Annual Income Statements for SelectQuote
This table shows SelectQuote's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for SelectQuote
This table shows SelectQuote's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
| Metric |
|
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
Q2 2026 |
Q3 2026 |
| Net Income / (Loss) Attributable to Common Shareholders |
|
-31 |
19 |
8.55 |
-31 |
-45 |
53 |
20 |
-3.89 |
-48 |
51 |
21 |
| Consolidated Net Income / (Loss) |
|
-31 |
19 |
8.55 |
-31 |
-45 |
53 |
26 |
13 |
-30 |
69 |
40 |
| Net Income / (Loss) Continuing Operations |
|
-31 |
19 |
8.55 |
-31 |
-45 |
53 |
26 |
13 |
-30 |
69 |
40 |
| Total Pre-Tax Income |
|
-44 |
31 |
8.72 |
-25 |
-35 |
40 |
35 |
9.37 |
-38 |
83 |
44 |
| Total Revenue |
|
211 |
381 |
352 |
284 |
269 |
457 |
388 |
333 |
317 |
525 |
412 |
| Net Interest Income / (Expense) |
|
-21 |
-24 |
-24 |
-23 |
-23 |
-24 |
-20 |
-12 |
-12 |
-12 |
-11 |
| Total Interest Income |
|
0.00 |
0.00 |
0.00 |
- |
0.00 |
0.00 |
0.00 |
- |
0.00 |
0.00 |
0.00 |
| Total Interest Expense |
|
21 |
24 |
24 |
23 |
23 |
24 |
20 |
12 |
12 |
12 |
11 |
| Long-Term Debt Interest Expense |
|
21 |
24 |
24 |
23 |
23 |
24 |
20 |
12 |
12 |
12 |
11 |
| Total Non-Interest Income |
|
233 |
405 |
376 |
307 |
292 |
481 |
408 |
345 |
329 |
537 |
422 |
| Net Realized & Unrealized Capital Gains on Investments |
|
- |
405 |
- |
- |
- |
- |
0.00 |
- |
- |
537 |
-8.66 |
| Other Non-Interest Income |
|
233 |
- |
376 |
- |
292 |
481 |
408 |
- |
329 |
- |
431 |
| Total Non-Interest Expense |
|
255 |
350 |
343 |
309 |
304 |
418 |
353 |
331 |
355 |
442 |
368 |
| Net Occupancy & Equipment Expense |
|
7.64 |
8.05 |
93 |
9.23 |
75 |
111 |
89 |
9.60 |
79 |
9.60 |
9.78 |
| Marketing Expense |
|
62 |
117 |
109 |
70 |
64 |
98 |
93 |
65 |
62 |
105 |
92 |
| Other Operating Expenses |
|
185 |
225 |
141 |
229 |
166 |
201 |
204 |
283 |
229 |
347 |
293 |
| Other Special Charges |
|
- |
- |
0.00 |
- |
0.00 |
7.64 |
-33 |
- |
-15 |
-19 |
-27 |
| Nonoperating Income / (Expense), net |
|
-0.04 |
0.00 |
-0.01 |
- |
-0.01 |
-0.02 |
-0.04 |
7.58 |
-0.15 |
-0.04 |
-0.03 |
| Income Tax Expense |
|
-13 |
11 |
0.17 |
6.20 |
9.53 |
-14 |
8.58 |
-3.49 |
-7.20 |
14 |
3.93 |
| Preferred Stock Dividends Declared |
|
- |
- |
0.00 |
- |
0.00 |
0.00 |
5.79 |
- |
17 |
18 |
19 |
| Basic Earnings per Share |
|
($0.19) |
$0.12 |
$0.05 |
($0.18) |
($0.26) |
$0.31 |
$0.11 |
($0.02) |
($0.26) |
$0.27 |
$0.11 |
| Weighted Average Basic Shares Outstanding |
|
167.45M |
168.35M |
169.07M |
168.52M |
170.43M |
171.80M |
178.16M |
176.15M |
185.82M |
187.57M |
189.46M |
| Diluted Earnings per Share |
|
($0.19) |
$0.11 |
$0.05 |
($0.17) |
($0.26) |
$0.30 |
$0.03 |
($0.06) |
($0.26) |
$0.26 |
$0.11 |
| Weighted Average Diluted Shares Outstanding |
|
167.45M |
169.74M |
170.96M |
168.52M |
170.43M |
175.10M |
186.64M |
181.90M |
185.82M |
190.83M |
190.48M |
| Weighted Average Basic & Diluted Shares Outstanding |
|
167.73M |
168.99M |
169.16M |
171.44M |
171.50M |
172.14M |
172.72M |
172.82M |
175.97M |
176.29M |
176.35M |
Annual Cash Flow Statements for SelectQuote
This table details how cash moves in and out of SelectQuote's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
| Metric |
|
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| Net Change in Cash & Equivalents |
|
0.62 |
-0.39 |
368 |
-82 |
-145 |
-58 |
-40 |
-5.62 |
| Net Cash From Operating Activities |
|
-4.85 |
0.11 |
-62 |
-115 |
-338 |
-19 |
15 |
-12 |
| Net Cash From Continuing Operating Activities |
|
-4.85 |
0.11 |
-62 |
-115 |
-338 |
-19 |
15 |
-12 |
| Net Income / (Loss) Continuing Operations |
|
35 |
73 |
79 |
125 |
-298 |
-59 |
-34 |
48 |
| Consolidated Net Income / (Loss) |
|
35 |
73 |
79 |
125 |
-298 |
-59 |
-34 |
48 |
| Provision For Loan Losses |
|
- |
- |
- |
- |
- |
0.00 |
0.00 |
4.20 |
| Depreciation Expense |
|
3.47 |
4.70 |
7.99 |
16 |
25 |
28 |
25 |
20 |
| Amortization Expense |
|
0.07 |
0.12 |
2.27 |
3.34 |
5.46 |
8.68 |
6.14 |
5.25 |
| Non-Cash Adjustments to Reconcile Net Income |
|
7.35 |
22 |
35 |
47 |
-32 |
35 |
38 |
-17 |
| Changes in Operating Assets and Liabilities, net |
|
-51 |
-100 |
-186 |
-307 |
-39 |
-33 |
-20 |
-72 |
| Net Cash From Investing Activities |
|
-6.02 |
-8.64 |
-51 |
-64 |
-43 |
-9.13 |
-15 |
-11 |
| Net Cash From Continuing Investing Activities |
|
-6.02 |
-8.64 |
-51 |
-64 |
-43 |
-9.13 |
-15 |
-11 |
| Purchase of Property, Leasehold Improvements and Equipment |
|
-6.02 |
-3.92 |
-16 |
-23 |
-25 |
-9.13 |
-12 |
-11 |
| Purchase of Investment Securities |
|
0.00 |
-4.72 |
-36 |
-41 |
-18 |
0.00 |
-3.43 |
0.00 |
| Sale of Property, Leasehold Improvements and Equipment |
|
0.00 |
0.00 |
0.00 |
- |
0.00 |
0.00 |
0.25 |
0.00 |
| Net Cash From Financing Activities |
|
11 |
8.14 |
481 |
97 |
235 |
-29 |
-41 |
17 |
| Net Cash From Continuing Financing Activities |
|
11 |
8.14 |
481 |
97 |
235 |
-29 |
-41 |
17 |
| Issuance of Debt |
|
91 |
152 |
521 |
229 |
292 |
0.00 |
0.00 |
266 |
| Issuance of Preferred Equity |
|
0.00 |
0.00 |
135 |
- |
- |
0.00 |
0.00 |
338 |
| Repayment of Debt |
|
-78 |
-146 |
-238 |
-85 |
-54 |
-28 |
-41 |
-574 |
| Other Financing Activities, Net |
|
0.57 |
4.30 |
-1.50 |
-46 |
-2.47 |
-1.24 |
-0.29 |
-12 |
| Cash Interest Paid |
|
0.79 |
1.47 |
23 |
26 |
38 |
59 |
67 |
61 |
| Cash Income Taxes Paid |
|
0.04 |
0.04 |
0.06 |
-0.21 |
-0.17 |
-0.31 |
-0.59 |
-3.16 |
Quarterly Cash Flow Statements for SelectQuote
This table details how cash moves in and out of SelectQuote's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
| Metric |
|
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
Q2 2026 |
Q3 2026 |
| Net Change in Cash & Equivalents |
|
-35 |
-38 |
27 |
4.88 |
-32 |
3.19 |
73 |
-49 |
-21 |
7.64 |
13 |
| Net Cash From Operating Activities |
|
-24 |
-26 |
44 |
20 |
-17 |
-29 |
71 |
-37 |
-22 |
0.05 |
57 |
| Net Cash From Continuing Operating Activities |
|
-24 |
-26 |
44 |
20 |
-17 |
-29 |
71 |
-37 |
-22 |
0.05 |
57 |
| Net Income / (Loss) Continuing Operations |
|
-31 |
19 |
8.55 |
-31 |
-45 |
53 |
26 |
13 |
-30 |
69 |
40 |
| Consolidated Net Income / (Loss) |
|
-31 |
19 |
8.55 |
-31 |
-45 |
53 |
26 |
13 |
-30 |
69 |
40 |
| Depreciation Expense |
|
5.99 |
5.90 |
6.70 |
6.41 |
5.60 |
5.06 |
4.93 |
4.88 |
4.30 |
4.32 |
4.39 |
| Amortization Expense |
|
1.61 |
1.74 |
1.51 |
1.28 |
1.06 |
1.32 |
1.50 |
1.37 |
1.18 |
1.26 |
0.90 |
| Non-Cash Adjustments to Reconcile Net Income |
|
-5.46 |
22 |
8.56 |
13 |
20 |
4.17 |
-15 |
-26 |
-19 |
-0.42 |
-11 |
| Changes in Operating Assets and Liabilities, net |
|
5.24 |
-77 |
19 |
31 |
1.64 |
-97 |
53 |
-31 |
22 |
-74 |
22 |
| Net Cash From Investing Activities |
|
-2.15 |
-3.55 |
-3.23 |
-5.92 |
-2.57 |
-2.27 |
-3.36 |
-3.11 |
-3.98 |
-3.65 |
-3.95 |
| Net Cash From Continuing Investing Activities |
|
-2.15 |
-3.55 |
-3.23 |
-5.92 |
-2.57 |
-2.27 |
-3.36 |
-3.11 |
-3.98 |
-3.65 |
-3.95 |
| Purchase of Property, Leasehold Improvements and Equipment |
|
-0.62 |
-1.45 |
-1.05 |
-8.55 |
-0.44 |
-0.30 |
-0.95 |
-9.62 |
-1.06 |
-1.09 |
-0.95 |
| Purchase of Investment Securities |
|
-1.78 |
-2.10 |
-2.18 |
2.63 |
-2.13 |
-1.97 |
-2.41 |
6.51 |
-2.93 |
-2.56 |
-3.01 |
| Net Cash From Financing Activities |
|
-8.85 |
-8.52 |
-14 |
-9.19 |
-13 |
34 |
4.83 |
-8.56 |
4.24 |
11 |
-40 |
| Net Cash From Continuing Financing Activities |
|
-8.85 |
-8.52 |
-14 |
-9.19 |
-13 |
34 |
4.83 |
-8.56 |
4.24 |
11 |
-40 |
| Issuance of Debt |
|
- |
- |
- |
- |
0.00 |
- |
82 |
- |
80 |
177 |
328 |
| Repayment of Debt |
|
-8.51 |
-8.51 |
-14 |
-9.27 |
-9.19 |
-150 |
-407 |
-8.54 |
-73 |
-166 |
-368 |
| Other Financing Activities, Net |
|
-0.35 |
-0.01 |
-0.01 |
0.07 |
-3.88 |
-0.05 |
-8.06 |
-0.03 |
-2.46 |
-0.05 |
-0.03 |
| Cash Interest Paid |
|
18 |
15 |
17 |
17 |
17 |
18 |
16 |
9.89 |
10 |
10 |
7.13 |
Annual Balance Sheets for SelectQuote
This table presents SelectQuote's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
| Metric |
|
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| Total Assets |
|
407 |
1,074 |
1,424 |
1,290 |
1,219 |
1,194 |
1,249 |
| Cash and Due from Banks |
|
0.57 |
321 |
286 |
141 |
83 |
43 |
36 |
| Loans and Leases, Net of Allowance |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Goodwill |
|
5.36 |
47 |
68 |
29 |
29 |
29 |
29 |
| Intangible Assets |
|
0.22 |
20 |
41 |
31 |
10 |
10 |
1.97 |
| Other Assets |
|
386 |
639 |
1,029 |
1,089 |
1,097 |
1,112 |
1,182 |
| Total Liabilities & Shareholders' Equity |
|
407 |
1,074 |
1,424 |
1,290 |
1,219 |
1,194 |
1,249 |
| Total Liabilities |
|
144 |
528 |
757 |
899 |
872 |
877 |
674 |
| Short-Term Debt |
|
12 |
23 |
39 |
37 |
67 |
87 |
133 |
| Accrued Interest Payable |
|
6.02 |
15 |
21 |
26 |
17 |
17 |
14 |
| Other Short-Term Payables |
|
16 |
58 |
46 |
50 |
54 |
71 |
67 |
| Long-Term Debt |
|
11 |
312 |
459 |
698 |
665 |
637 |
317 |
| Other Long-Term Liabilities |
|
99 |
120 |
189 |
87 |
70 |
65 |
144 |
| Commitments & Contingencies |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Redeemable Noncontrolling Interest |
|
0.80 |
- |
- |
- |
- |
0.00 |
224 |
| Total Equity & Noncontrolling Interests |
|
262 |
546 |
667 |
391 |
347 |
317 |
351 |
| Total Preferred & Common Equity |
|
262 |
546 |
667 |
391 |
347 |
317 |
351 |
| Total Common Equity |
|
262 |
546 |
667 |
391 |
347 |
317 |
351 |
| Common Stock |
|
139 |
550 |
546 |
556 |
569 |
582 |
573 |
| Retained Earnings |
|
200 |
-2.79 |
120 |
-177 |
-236 |
-270 |
-222 |
Quarterly Balance Sheets for SelectQuote
This table presents SelectQuote's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
| Metric |
|
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q1 2026 |
Q2 2026 |
Q3 2026 |
| Total Assets |
|
1,298 |
1,288 |
1,170 |
1,236 |
1,245 |
1,147 |
1,279 |
1,296 |
1,207 |
1,352 |
1,335 |
| Cash and Due from Banks |
|
36 |
92 |
48 |
11 |
38 |
10 |
12 |
85 |
14 |
22 |
35 |
| Loans and Leases, Net of Allowance |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Goodwill |
|
29 |
29 |
29 |
29 |
29 |
29 |
29 |
29 |
29 |
29 |
29 |
| Intangible Assets |
|
28 |
27 |
9.44 |
8.68 |
7.93 |
9.16 |
8.13 |
7.10 |
1.69 |
1.40 |
1.12 |
| Other Assets |
|
1,204 |
1,140 |
1,083 |
1,187 |
1,170 |
1,098 |
1,229 |
1,175 |
1,161 |
1,299 |
1,269 |
| Total Liabilities & Shareholders' Equity |
|
1,298 |
1,288 |
1,170 |
1,236 |
1,245 |
1,147 |
1,279 |
1,296 |
1,207 |
1,352 |
1,335 |
| Total Liabilities |
|
916 |
897 |
853 |
899 |
898 |
877 |
953 |
738 |
660 |
733 |
671 |
| Short-Term Debt |
|
55 |
63 |
71 |
105 |
104 |
99 |
120 |
112 |
108 |
105 |
130 |
| Accrued Interest Payable |
|
22 |
23 |
18 |
17 |
21 |
15 |
13 |
17 |
50 |
57 |
24 |
| Other Short-Term Payables |
|
87 |
60 |
48 |
62 |
65 |
52 |
62 |
65 |
58 |
72 |
77 |
| Long-Term Debt |
|
670 |
667 |
661 |
651 |
648 |
637 |
684 |
362 |
325 |
386 |
353 |
| Other Long-Term Liabilities |
|
82 |
83 |
55 |
65 |
60 |
74 |
74 |
182 |
120 |
112 |
87 |
| Commitments & Contingencies |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Redeemable Noncontrolling Interest |
|
- |
- |
- |
- |
- |
- |
- |
208 |
242 |
260 |
279 |
| Total Equity & Noncontrolling Interests |
|
382 |
391 |
317 |
337 |
347 |
269 |
326 |
350 |
305 |
360 |
385 |
| Total Preferred & Common Equity |
|
382 |
391 |
317 |
337 |
347 |
269 |
326 |
350 |
305 |
360 |
385 |
| Total Common Equity |
|
382 |
391 |
317 |
337 |
347 |
269 |
326 |
350 |
305 |
360 |
385 |
| Common Stock |
|
563 |
566 |
572 |
576 |
579 |
582 |
587 |
585 |
558 |
543 |
528 |
| Retained Earnings |
|
-197 |
-188 |
-267 |
-247 |
-239 |
-314 |
-261 |
-235 |
-253 |
-183 |
-143 |
Annual Metrics And Ratios for SelectQuote
This table displays calculated financial ratios and metrics derived from SelectQuote's official financial filings.
| Metric |
|
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
| DEI Shares Outstanding |
|
0.00 |
0.00 |
0.00 |
163,389,853.00 |
- |
- |
- |
172,721,268.00 |
| DEI Adjusted Shares Outstanding |
|
0.00 |
0.00 |
0.00 |
163,389,853.00 |
- |
- |
- |
172,721,268.00 |
| DEI Earnings Per Adjusted Shares Outstanding |
|
0.00 |
0.00 |
0.00 |
0.76 |
- |
- |
- |
0.28 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Revenue Growth |
|
0.00% |
44.27% |
49.96% |
78.19% |
-19.71% |
28.01% |
33.18% |
17.83% |
| EBITDA Growth |
|
0.00% |
120.70% |
14.89% |
56.76% |
-300.69% |
90.97% |
106.59% |
3,375.74% |
| EBIT Growth |
|
0.00% |
127.88% |
9.91% |
53.49% |
-344.11% |
82.28% |
57.98% |
267.71% |
| NOPAT Growth |
|
0.00% |
107.97% |
9.51% |
58.67% |
-316.25% |
82.28% |
57.98% |
334.99% |
| Net Income Growth |
|
0.00% |
107.97% |
9.51% |
57.09% |
-338.27% |
80.32% |
41.71% |
239.43% |
| EPS Growth |
|
0.00% |
139.13% |
-132.73% |
516.67% |
-341.33% |
80.66% |
42.86% |
105.00% |
| Operating Cash Flow Growth |
|
0.00% |
102.33% |
-54,769.03% |
-86.87% |
-193.06% |
94.27% |
178.63% |
-176.57% |
| Free Cash Flow Firm Growth |
|
0.00% |
0.00% |
-141.52% |
69.14% |
-47.22% |
100.08% |
9,173.92% |
290.84% |
| Invested Capital Growth |
|
0.00% |
0.00% |
208.00% |
32.38% |
-3.32% |
-4.30% |
-3.41% |
-1.61% |
| Revenue Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
5.25% |
-6.17% |
8.59% |
7.32% |
3.51% |
| EBITDA Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-10.07% |
-56.75% |
69.71% |
107.41% |
51.11% |
| EBIT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-12.23% |
-51.47% |
51.58% |
52.88% |
120.60% |
| NOPAT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-12.61% |
-50.51% |
51.65% |
52.95% |
738.63% |
| Net Income Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-13.48% |
-53.44% |
49.26% |
33.02% |
1,187.69% |
| EPS Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-26.47% |
-53.39% |
50.00% |
37.50% |
110.00% |
| Operating Cash Flow Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-43.07% |
0.16% |
70.99% |
234.82% |
-125.47% |
| Free Cash Flow Firm Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
1.71% |
-97.45% |
181.97% |
-11.06% |
| Invested Capital Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-0.54% |
-8.29% |
-3.88% |
-5.21% |
-0.70% |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
| EBITDA Margin |
|
19.36% |
29.61% |
22.69% |
19.96% |
-49.89% |
-3.52% |
0.17% |
5.14% |
| EBIT Margin |
|
17.84% |
28.17% |
20.65% |
17.79% |
-54.08% |
-7.48% |
-2.36% |
3.36% |
| Profit (Net Income) Margin |
|
14.99% |
21.61% |
15.78% |
13.91% |
-41.29% |
-6.35% |
-2.78% |
3.29% |
| Tax Burden Percent |
|
84.06% |
76.71% |
76.44% |
79.02% |
76.32% |
84.67% |
117.41% |
98.08% |
| Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
99.01% |
100.05% |
100.18% |
100.22% |
99.74% |
| Effective Tax Rate |
|
15.94% |
23.29% |
23.56% |
20.98% |
0.00% |
0.00% |
0.00% |
1.92% |
| Return on Invested Capital (ROIC) |
|
0.00% |
50.78% |
13.63% |
12.33% |
-23.80% |
-4.38% |
-1.92% |
4.62% |
| ROIC Less NNEP Spread (ROIC-NNEP) |
|
0.00% |
50.78% |
13.63% |
12.03% |
-27.81% |
-5.78% |
-3.81% |
4.60% |
| Return on Net Nonoperating Assets (RNNOA) |
|
0.00% |
4.36% |
6.02% |
8.26% |
-32.44% |
-11.48% |
-8.37% |
6.05% |
| Return on Equity (ROE) |
|
0.00% |
55.14% |
19.65% |
20.59% |
-56.23% |
-15.86% |
-10.28% |
10.66% |
| Cash Return on Invested Capital (CROIC) |
|
0.00% |
-149.22% |
-88.33% |
-15.54% |
-20.42% |
0.02% |
1.56% |
6.24% |
| Operating Return on Assets (OROA) |
|
0.00% |
23.25% |
14.05% |
12.78% |
-28.71% |
-5.50% |
-2.40% |
3.98% |
| Return on Assets (ROA) |
|
0.00% |
17.84% |
10.74% |
10.00% |
-21.92% |
-4.67% |
-2.83% |
3.89% |
| Return on Common Equity (ROCE) |
|
0.00% |
54.97% |
19.63% |
20.59% |
-56.23% |
-15.86% |
-10.28% |
7.98% |
| Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
27.65% |
14.57% |
18.72% |
-76.07% |
-16.87% |
-10.77% |
13.55% |
| Net Operating Profit after Tax (NOPAT) |
|
35 |
73 |
79 |
126 |
-273 |
-48 |
-20 |
48 |
| NOPAT Margin |
|
14.99% |
21.61% |
15.78% |
14.05% |
-37.85% |
-5.24% |
-1.65% |
3.30% |
| Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.30% |
4.02% |
1.39% |
1.90% |
0.02% |
| SG&A Expenses to Revenue |
|
39.54% |
35.32% |
39.02% |
45.01% |
70.62% |
35.49% |
31.95% |
24.75% |
| Operating Expenses to Revenue |
|
82.16% |
71.83% |
79.35% |
82.21% |
154.08% |
107.48% |
102.36% |
96.64% |
| Earnings before Interest and Taxes (EBIT) |
|
42 |
95 |
104 |
160 |
-390 |
-69 |
-29 |
49 |
| Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
45 |
99 |
114 |
179 |
-359 |
-32 |
2.14 |
74 |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Price to Book Value (P/BV) |
|
0.00 |
2.17 |
1.32 |
4.72 |
1.04 |
0.94 |
1.47 |
1.17 |
| Price to Tangible Book Value (P/TBV) |
|
0.00 |
2.22 |
1.51 |
5.64 |
1.23 |
1.06 |
1.68 |
1.29 |
| Price to Revenue (P/Rev) |
|
2.45 |
1.70 |
1.43 |
3.51 |
0.57 |
0.35 |
0.38 |
0.28 |
| Price to Earnings (P/E) |
|
16.33 |
7.85 |
9.08 |
25.20 |
0.00 |
0.00 |
0.00 |
16.42 |
| Dividend Yield |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Earnings Yield |
|
6.12% |
12.73% |
11.01% |
3.97% |
0.00% |
0.00% |
0.00% |
6.09% |
| Enterprise Value to Invested Capital (EV/IC) |
|
0.00 |
2.07 |
0.78 |
2.88 |
0.89 |
0.90 |
1.10 |
1.02 |
| Enterprise Value to Revenue (EV/Rev) |
|
0.00 |
1.77 |
1.37 |
3.74 |
1.39 |
1.06 |
0.94 |
0.72 |
| Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
5.96 |
6.02 |
18.76 |
0.00 |
0.00 |
537.08 |
14.11 |
| Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
6.27 |
6.61 |
21.05 |
0.00 |
0.00 |
0.00 |
21.56 |
| Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
8.17 |
8.65 |
26.63 |
0.00 |
0.00 |
0.00 |
21.99 |
| Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
5,246.13 |
0.00 |
0.00 |
0.00 |
0.00 |
75.40 |
0.00 |
| Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
5,469.84 |
69.63 |
16.27 |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Debt to Equity |
|
0.00 |
0.09 |
0.61 |
0.75 |
1.88 |
2.11 |
2.29 |
0.78 |
| Long-Term Debt to Equity |
|
0.00 |
0.04 |
0.57 |
0.69 |
1.79 |
1.92 |
2.01 |
0.55 |
| Financial Leverage |
|
0.00 |
0.09 |
0.44 |
0.69 |
1.17 |
1.99 |
2.19 |
1.32 |
| Leverage Ratio |
|
0.00 |
1.55 |
1.83 |
2.06 |
2.56 |
3.40 |
3.64 |
2.74 |
| Compound Leverage Factor |
|
0.00 |
1.55 |
1.83 |
2.04 |
2.57 |
3.41 |
3.64 |
2.73 |
| Debt to Total Capital |
|
0.00% |
7.90% |
38.02% |
42.77% |
65.29% |
67.82% |
69.58% |
43.83% |
| Short-Term Debt to Total Capital |
|
0.00% |
4.04% |
2.60% |
3.38% |
3.30% |
6.18% |
8.37% |
12.94% |
| Long-Term Debt to Total Capital |
|
0.00% |
3.86% |
35.42% |
39.39% |
61.99% |
61.64% |
61.21% |
30.90% |
| Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Noncontrolling Interests to Total Capital |
|
0.00% |
0.28% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
21.90% |
| Common Equity to Total Capital |
|
0.00% |
91.82% |
61.98% |
57.23% |
34.71% |
32.18% |
30.42% |
34.27% |
| Debt to EBITDA |
|
0.00 |
0.23 |
2.93 |
2.78 |
-2.05 |
-22.52 |
338.77 |
6.04 |
| Net Debt to EBITDA |
|
0.00 |
0.22 |
-0.30 |
1.18 |
-1.65 |
-19.96 |
318.81 |
5.56 |
| Long-Term Debt to EBITDA |
|
0.00 |
0.11 |
2.73 |
2.56 |
-1.94 |
-20.47 |
298.03 |
4.26 |
| Debt to NOPAT |
|
0.00 |
0.31 |
4.21 |
3.95 |
-2.70 |
-15.13 |
-35.69 |
9.41 |
| Net Debt to NOPAT |
|
0.00 |
0.30 |
-0.43 |
1.68 |
-2.18 |
-13.41 |
-33.59 |
8.67 |
| Long-Term Debt to NOPAT |
|
0.00 |
0.15 |
3.92 |
3.64 |
-2.56 |
-13.76 |
-31.40 |
6.64 |
| Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.30% |
0.10% |
0.00% |
0.00% |
0.00% |
0.00% |
25.15% |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Free Cash Flow to Firm (FCFF) |
|
0.00 |
-213 |
-515 |
-159 |
-234 |
0.18 |
16 |
64 |
| Operating Cash Flow to CapEx |
|
-80.50% |
2.88% |
-397.30% |
-502.18% |
-1,364.28% |
-212.35% |
133.50% |
-103.11% |
| Free Cash Flow to Firm to Interest Expense |
|
0.00 |
-128.47 |
-20.94 |
-5.42 |
-5.37 |
0.00 |
0.18 |
0.81 |
| Operating Cash Flow to Interest Expense |
|
-5.22 |
0.07 |
-2.51 |
-3.94 |
-7.76 |
-0.24 |
0.16 |
-0.15 |
| Operating Cash Flow Less CapEx to Interest Expense |
|
-11.70 |
-2.29 |
-3.14 |
-4.72 |
-8.33 |
-0.35 |
0.04 |
-0.29 |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Asset Turnover |
|
0.00 |
0.83 |
0.68 |
0.72 |
0.53 |
0.74 |
1.02 |
1.18 |
| Fixed Asset Turnover |
|
0.00 |
24.41 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Invested Capital |
|
0.00 |
286 |
880 |
1,165 |
1,127 |
1,078 |
1,041 |
1,025 |
| Invested Capital Turnover |
|
0.00 |
2.35 |
0.86 |
0.88 |
0.63 |
0.84 |
1.16 |
1.40 |
| Increase / (Decrease) in Invested Capital |
|
0.00 |
286 |
595 |
285 |
-39 |
-48 |
-37 |
-17 |
| Enterprise Value (EV) |
|
0.00 |
593 |
688 |
3,359 |
1,002 |
973 |
1,149 |
1,049 |
| Market Capitalization |
|
570 |
570 |
722 |
3,147 |
408 |
325 |
467 |
411 |
| Book Value per Share |
|
$0.00 |
$3.07 |
$5.60 |
$4.08 |
$2.38 |
$2.08 |
$1.87 |
$2.03 |
| Tangible Book Value per Share |
|
$0.00 |
$3.01 |
$4.92 |
$3.42 |
$2.01 |
$1.85 |
$1.64 |
$1.85 |
| Total Capital |
|
0.00 |
286 |
880 |
1,165 |
1,127 |
1,078 |
1,041 |
1,025 |
| Total Debt |
|
0.00 |
23 |
335 |
498 |
736 |
731 |
725 |
449 |
| Total Long-Term Debt |
|
0.00 |
11 |
312 |
459 |
698 |
665 |
637 |
317 |
| Net Debt |
|
0.00 |
22 |
-34 |
212 |
595 |
648 |
682 |
413 |
| Capital Expenditures (CapEx) |
|
6.02 |
3.92 |
16 |
23 |
25 |
9.13 |
11 |
11 |
| Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
1.25 |
25 |
10 |
14 |
0.13 |
| Net Nonoperating Obligations (NNO) |
|
0.00 |
23 |
335 |
498 |
736 |
731 |
725 |
449 |
| Total Depreciation and Amortization (D&A) |
|
3.54 |
4.83 |
10 |
19 |
30 |
37 |
31 |
26 |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$0.27 |
$0.70 |
($0.16) |
$0.00 |
($1.81) |
($0.35) |
($0.20) |
$0.14 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
81.31M |
85.38M |
97.50M |
0.00 |
164.04M |
166.14M |
168.52M |
176.15M |
| Adjusted Diluted Earnings per Share |
|
$0.23 |
$0.55 |
($0.16) |
$0.00 |
($1.81) |
($0.35) |
($0.20) |
$0.01 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
96.42M |
132.49M |
97.50M |
0.00 |
164.04M |
166.14M |
168.52M |
181.90M |
| Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
0.00 |
0.00 |
162.57M |
0.00 |
164.45M |
167.69M |
171.44M |
172.82M |
| Normalized Net Operating Profit after Tax (NOPAT) |
|
35 |
73 |
79 |
126 |
-242 |
-48 |
-20 |
-11 |
| Normalized NOPAT Margin |
|
14.99% |
21.61% |
15.78% |
14.05% |
-33.52% |
-5.24% |
-1.65% |
-0.74% |
| Pre Tax Income Margin |
|
17.84% |
28.17% |
20.65% |
17.61% |
-54.11% |
-7.50% |
-2.37% |
3.35% |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
| EBIT to Interest Expense |
|
44.69 |
57.00 |
4.23 |
5.44 |
-8.94 |
-0.86 |
-0.31 |
0.61 |
| NOPAT to Interest Expense |
|
37.57 |
43.72 |
3.23 |
4.30 |
-6.26 |
-0.60 |
-0.22 |
0.60 |
| EBIT Less CapEx to Interest Expense |
|
38.21 |
54.63 |
3.60 |
4.66 |
-9.51 |
-0.97 |
-0.43 |
0.47 |
| NOPAT Less CapEx to Interest Expense |
|
31.09 |
41.36 |
2.60 |
3.52 |
-6.82 |
-0.71 |
-0.34 |
0.46 |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
| Dividend Payout Ratio |
|
5.39% |
2.70% |
345.98% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Augmented Payout Ratio |
|
6.66% |
2.74% |
345.98% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Quarterly Metrics And Ratios for SelectQuote
This table displays calculated financial ratios and metrics derived from SelectQuote's official financial filings.
| Metric |
|
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
Q2 2026 |
Q3 2026 |
| DEI Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
172,144,283.00 |
172,721,268.00 |
172,816,730.00 |
175,971,744.00 |
176,289,664.00 |
| DEI Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
172,144,283.00 |
172,721,268.00 |
172,816,730.00 |
175,971,744.00 |
176,289,664.00 |
| DEI Earnings Per Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
0.15 |
0.07 |
-0.18 |
0.39 |
0.23 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Revenue Growth |
|
45.00% |
27.80% |
26.51% |
41.86% |
27.40% |
20.03% |
10.14% |
17.29% |
17.74% |
14.90% |
6.17% |
| EBITDA Growth |
|
24.05% |
-7.14% |
-22.49% |
64.46% |
21.72% |
39.13% |
142.37% |
146.94% |
-13.01% |
92.76% |
20.40% |
| EBIT Growth |
|
21.90% |
-3.47% |
-29.77% |
56.77% |
20.10% |
52.92% |
296.68% |
107.22% |
-7.17% |
109.70% |
27.48% |
| NOPAT Growth |
|
21.90% |
-14.06% |
-7.70% |
56.76% |
20.10% |
227.71% |
204.22% |
114.15% |
-7.17% |
30.15% |
54.43% |
| Net Income Growth |
|
26.91% |
-13.87% |
-7.70% |
35.16% |
-43.46% |
174.53% |
204.32% |
141.49% |
31.62% |
30.16% |
54.47% |
| EPS Growth |
|
26.92% |
-21.43% |
-16.67% |
41.38% |
-36.84% |
172.73% |
-40.00% |
64.71% |
0.00% |
-13.33% |
266.67% |
| Operating Cash Flow Growth |
|
49.82% |
9.98% |
-29.10% |
405.64% |
29.83% |
-12.23% |
59.89% |
-287.46% |
-30.18% |
100.18% |
-20.17% |
| Free Cash Flow Firm Growth |
|
-133.68% |
-79.03% |
-72.82% |
133.39% |
426.68% |
-22.72% |
194.05% |
-1.06% |
-100.19% |
459.36% |
-180.81% |
| Invested Capital Growth |
|
-2.33% |
-1.30% |
-2.05% |
-3.41% |
-4.10% |
3.43% |
-6.08% |
-1.61% |
-2.61% |
-1.70% |
11.17% |
| Revenue Q/Q Growth |
|
5.64% |
80.30% |
-7.60% |
-19.39% |
-5.13% |
69.87% |
-15.22% |
-14.15% |
-4.77% |
65.77% |
-21.66% |
| EBITDA Q/Q Growth |
|
24.74% |
206.38% |
-56.05% |
-201.01% |
-65.74% |
289.08% |
-10.64% |
-80.44% |
-498.78% |
376.51% |
-44.18% |
| EBIT Q/Q Growth |
|
23.58% |
170.48% |
-71.76% |
-384.27% |
-41.23% |
234.88% |
-12.48% |
-94.83% |
-2,195.98% |
321.21% |
-46.79% |
| NOPAT Q/Q Growth |
|
23.65% |
163.23% |
-55.90% |
-303.14% |
-41.08% |
359.33% |
-51.09% |
-90.57% |
-1,168.81% |
363.97% |
-41.97% |
| Net Income Q/Q Growth |
|
35.09% |
162.45% |
-55.90% |
-462.73% |
-43.62% |
219.51% |
-51.12% |
-50.55% |
-336.70% |
327.50% |
-41.99% |
| EPS Q/Q Growth |
|
34.48% |
157.89% |
-54.55% |
-440.00% |
-52.94% |
215.38% |
-90.00% |
-300.00% |
-333.33% |
200.00% |
-57.69% |
| Operating Cash Flow Q/Q Growth |
|
-261.83% |
-8.01% |
273.97% |
-55.05% |
-183.07% |
-72.75% |
347.86% |
-152.70% |
42.31% |
100.24% |
109,082.69% |
| Free Cash Flow Firm Q/Q Growth |
|
-167.98% |
697.25% |
-6.60% |
-38.46% |
-4.84% |
41.28% |
486.44% |
-79.29% |
-100.18% |
256,098.78% |
-184.73% |
| Invested Capital Q/Q Growth |
|
-2.73% |
4.18% |
0.56% |
-5.21% |
-3.43% |
12.35% |
-8.68% |
-0.70% |
-4.40% |
13.40% |
3.28% |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBITDA Margin |
|
-17.13% |
10.11% |
4.81% |
-6.03% |
-10.53% |
11.72% |
10.59% |
2.41% |
-10.11% |
16.86% |
12.01% |
| EBIT Margin |
|
-20.73% |
8.10% |
2.48% |
-8.73% |
-13.00% |
10.32% |
8.93% |
0.54% |
-11.84% |
15.79% |
10.73% |
| Profit (Net Income) Margin |
|
-14.69% |
5.09% |
2.43% |
-10.93% |
-16.55% |
11.64% |
6.71% |
3.87% |
-9.61% |
13.19% |
9.76% |
| Tax Burden Percent |
|
70.81% |
62.80% |
98.06% |
124.99% |
127.20% |
134.58% |
75.21% |
137.27% |
80.87% |
83.53% |
91.10% |
| Interest Burden Percent |
|
100.09% |
100.00% |
100.00% |
100.11% |
100.03% |
83.77% |
99.89% |
523.69% |
100.39% |
99.95% |
99.92% |
| Effective Tax Rate |
|
0.00% |
37.20% |
1.94% |
0.00% |
0.00% |
-34.58% |
24.79% |
-37.27% |
0.00% |
16.47% |
8.90% |
| Return on Invested Capital (ROIC) |
|
-13.51% |
4.95% |
2.50% |
-7.09% |
-11.40% |
17.04% |
8.82% |
1.03% |
-12.48% |
18.41% |
14.23% |
| ROIC Less NNEP Spread (ROIC-NNEP) |
|
-13.56% |
4.95% |
2.50% |
-8.97% |
-14.13% |
15.71% |
8.81% |
2.81% |
-13.20% |
18.40% |
14.23% |
| Return on Net Nonoperating Assets (RNNOA) |
|
-29.18% |
10.22% |
5.03% |
-19.67% |
-35.38% |
37.00% |
11.94% |
3.69% |
-18.89% |
25.20% |
11.16% |
| Return on Equity (ROE) |
|
-42.69% |
15.17% |
7.53% |
-26.76% |
-46.78% |
54.04% |
20.76% |
4.73% |
-31.37% |
43.61% |
25.39% |
| Cash Return on Invested Capital (CROIC) |
|
-1.40% |
-2.38% |
-1.81% |
1.56% |
2.81% |
-3.61% |
6.62% |
6.24% |
8.89% |
8.68% |
-2.12% |
| Operating Return on Assets (OROA) |
|
-16.93% |
6.85% |
2.24% |
-8.89% |
-14.44% |
11.19% |
9.83% |
0.64% |
-15.03% |
18.76% |
12.94% |
| Return on Assets (ROA) |
|
-12.00% |
4.30% |
2.19% |
-11.13% |
-18.37% |
12.61% |
7.39% |
4.58% |
-12.21% |
15.67% |
11.78% |
| Return on Common Equity (ROCE) |
|
-42.69% |
15.17% |
7.53% |
-26.76% |
-46.78% |
54.04% |
16.00% |
3.54% |
-22.08% |
31.62% |
15.28% |
| Return on Equity Simple (ROE_SIMPLE) |
|
-14.87% |
-14.93% |
-14.69% |
0.00% |
-17.67% |
-4.23% |
1.06% |
0.00% |
20.21% |
21.61% |
23.89% |
| Net Operating Profit after Tax (NOPAT) |
|
-31 |
19 |
8.55 |
-17 |
-25 |
64 |
26 |
2.46 |
-26 |
69 |
40 |
| NOPAT Margin |
|
-14.51% |
5.09% |
2.43% |
-6.12% |
-9.10% |
13.90% |
6.72% |
0.74% |
-8.28% |
13.19% |
9.77% |
| Net Nonoperating Expense Percent (NNEP) |
|
0.05% |
0.00% |
0.00% |
1.87% |
2.73% |
1.32% |
0.00% |
-1.77% |
0.72% |
0.01% |
0.01% |
| SG&A Expenses to Revenue |
|
33.10% |
32.84% |
33.48% |
27.98% |
27.05% |
23.56% |
46.97% |
22.49% |
44.47% |
21.81% |
24.84% |
| Operating Expenses to Revenue |
|
120.73% |
91.90% |
97.52% |
108.73% |
113.00% |
89.68% |
91.07% |
99.46% |
111.84% |
84.21% |
89.27% |
| Earnings before Interest and Taxes (EBIT) |
|
-44 |
31 |
8.72 |
-25 |
-35 |
47 |
35 |
1.79 |
-38 |
83 |
44 |
| Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
-36 |
39 |
17 |
-17 |
-28 |
54 |
41 |
8.03 |
-32 |
89 |
49 |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Price to Book Value (P/BV) |
|
0.62 |
0.68 |
0.97 |
1.47 |
1.38 |
1.96 |
1.64 |
1.17 |
1.11 |
0.69 |
0.29 |
| Price to Tangible Book Value (P/TBV) |
|
0.71 |
0.77 |
1.09 |
1.68 |
1.61 |
2.21 |
1.83 |
1.29 |
1.24 |
0.75 |
0.31 |
| Price to Revenue (P/Rev) |
|
0.20 |
0.21 |
0.30 |
0.38 |
0.29 |
0.47 |
0.41 |
0.28 |
0.23 |
0.16 |
0.07 |
| Price to Earnings (P/E) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
16.42 |
15.65 |
12.68 |
5.35 |
| Dividend Yield |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Earnings Yield |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
6.09% |
6.39% |
7.89% |
18.70% |
| Enterprise Value to Invested Capital (EV/IC) |
|
0.84 |
0.89 |
0.96 |
1.10 |
1.09 |
1.27 |
1.14 |
1.02 |
1.02 |
0.88 |
0.73 |
| Enterprise Value to Revenue (EV/Rev) |
|
0.89 |
0.91 |
0.92 |
0.94 |
0.85 |
1.05 |
0.84 |
0.72 |
0.67 |
0.63 |
0.53 |
| Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
0.00 |
0.00 |
537.08 |
109.74 |
57.02 |
28.20 |
14.11 |
14.13 |
8.62 |
6.89 |
| Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
81.34 |
21.56 |
21.65 |
10.91 |
8.46 |
| Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
315.27 |
21.99 |
16.10 |
12.53 |
9.10 |
| Enterprise Value to Operating Cash Flow (EV/OCF) |
|
213.42 |
140.13 |
0.00 |
75.40 |
49.24 |
74.59 |
25.58 |
0.00 |
0.00 |
80.97 |
0.00 |
| Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
69.63 |
38.05 |
0.00 |
16.61 |
16.27 |
11.32 |
10.05 |
0.00 |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Debt to Equity |
|
2.31 |
2.25 |
2.17 |
2.29 |
2.73 |
2.47 |
0.85 |
0.78 |
0.79 |
0.79 |
0.73 |
| Long-Term Debt to Equity |
|
2.09 |
1.93 |
1.87 |
2.01 |
2.36 |
2.10 |
0.65 |
0.55 |
0.59 |
0.62 |
0.53 |
| Financial Leverage |
|
2.15 |
2.06 |
2.01 |
2.19 |
2.50 |
2.35 |
1.36 |
1.32 |
1.43 |
1.37 |
0.78 |
| Leverage Ratio |
|
3.59 |
3.53 |
3.43 |
3.64 |
3.95 |
3.80 |
2.81 |
2.74 |
2.88 |
2.78 |
2.15 |
| Compound Leverage Factor |
|
3.60 |
3.53 |
3.43 |
3.64 |
3.95 |
3.18 |
2.81 |
14.34 |
2.89 |
2.78 |
2.15 |
| Debt to Total Capital |
|
69.80% |
69.20% |
68.43% |
69.58% |
73.21% |
71.15% |
45.94% |
43.83% |
44.16% |
44.21% |
42.16% |
| Short-Term Debt to Total Capital |
|
6.75% |
9.64% |
9.42% |
8.37% |
9.86% |
10.59% |
10.81% |
12.94% |
11.00% |
9.49% |
11.36% |
| Long-Term Debt to Total Capital |
|
63.05% |
59.56% |
59.01% |
61.21% |
63.35% |
60.56% |
35.13% |
30.90% |
33.16% |
34.72% |
30.80% |
| Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
20.12% |
21.90% |
24.69% |
23.41% |
24.30% |
| Common Equity to Total Capital |
|
30.20% |
30.80% |
31.57% |
30.42% |
26.79% |
28.85% |
33.94% |
34.27% |
31.14% |
32.38% |
33.54% |
| Debt to EBITDA |
|
-34.86 |
-31.56 |
-26.04 |
338.77 |
73.59 |
32.06 |
11.41 |
6.04 |
6.12 |
4.34 |
3.98 |
| Net Debt to EBITDA |
|
-32.55 |
-31.10 |
-24.73 |
318.81 |
72.55 |
31.58 |
9.37 |
5.56 |
5.92 |
4.14 |
3.69 |
| Long-Term Debt to EBITDA |
|
-31.49 |
-27.16 |
-22.45 |
298.03 |
63.68 |
27.29 |
8.72 |
4.26 |
4.60 |
3.40 |
2.90 |
| Debt to NOPAT |
|
-18.38 |
-18.64 |
-17.43 |
-35.69 |
-52.08 |
-297.79 |
127.54 |
9.41 |
6.98 |
6.30 |
5.25 |
| Net Debt to NOPAT |
|
-17.16 |
-18.37 |
-16.55 |
-33.59 |
-51.34 |
-293.31 |
104.72 |
8.67 |
6.74 |
6.01 |
4.87 |
| Long-Term Debt to NOPAT |
|
-16.60 |
-16.05 |
-15.03 |
-31.40 |
-45.07 |
-253.45 |
97.52 |
6.64 |
5.24 |
4.95 |
3.83 |
| Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
22.95% |
25.15% |
29.63% |
27.49% |
39.82% |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Free Cash Flow to Firm (FCFF) |
|
-5.66 |
34 |
32 |
19 |
18 |
26 |
93 |
19 |
-0.03 |
89 |
-75 |
| Operating Cash Flow to CapEx |
|
-6,520.94% |
-1,768.19% |
4,228.14% |
233.81% |
-3,757.92% |
-9,596.66% |
7,494.20% |
-389.46% |
-2,043.76% |
4.78% |
5,995.25% |
| Free Cash Flow to Firm to Interest Expense |
|
-0.26 |
1.38 |
1.30 |
0.83 |
0.80 |
1.10 |
4.55 |
1.57 |
0.00 |
7.63 |
-7.08 |
| Operating Cash Flow to Interest Expense |
|
-1.11 |
-1.05 |
1.83 |
0.85 |
-0.72 |
-1.21 |
3.49 |
-3.07 |
-1.83 |
0.00 |
5.36 |
| Operating Cash Flow Less CapEx to Interest Expense |
|
-1.12 |
-1.11 |
1.79 |
0.49 |
-0.74 |
-1.22 |
3.44 |
-3.85 |
-1.92 |
-0.09 |
5.27 |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Asset Turnover |
|
0.82 |
0.85 |
0.90 |
1.02 |
1.11 |
1.08 |
1.10 |
1.18 |
1.27 |
1.19 |
1.21 |
| Fixed Asset Turnover |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Invested Capital |
|
1,049 |
1,093 |
1,099 |
1,041 |
1,006 |
1,130 |
1,032 |
1,025 |
980 |
1,111 |
1,147 |
| Invested Capital Turnover |
|
0.93 |
0.97 |
1.03 |
1.16 |
1.25 |
1.23 |
1.31 |
1.40 |
1.51 |
1.40 |
1.46 |
| Increase / (Decrease) in Invested Capital |
|
-25 |
-14 |
-23 |
-37 |
-43 |
37 |
-67 |
-17 |
-26 |
-19 |
115 |
| Enterprise Value (EV) |
|
880 |
975 |
1,052 |
1,149 |
1,098 |
1,430 |
1,172 |
1,049 |
999 |
977 |
838 |
| Market Capitalization |
|
196 |
230 |
338 |
467 |
372 |
638 |
575 |
411 |
339 |
248 |
111 |
| Book Value per Share |
|
$1.89 |
$2.01 |
$2.05 |
$1.87 |
$1.57 |
$1.90 |
$2.03 |
$2.03 |
$1.77 |
$2.04 |
$2.18 |
| Tangible Book Value per Share |
|
$1.66 |
$1.78 |
$1.83 |
$1.64 |
$1.35 |
$1.68 |
$1.82 |
$1.85 |
$1.59 |
$1.87 |
$2.01 |
| Total Capital |
|
1,049 |
1,093 |
1,099 |
1,041 |
1,006 |
1,130 |
1,032 |
1,025 |
980 |
1,111 |
1,147 |
| Total Debt |
|
732 |
756 |
752 |
725 |
736 |
804 |
474 |
449 |
433 |
491 |
484 |
| Total Long-Term Debt |
|
661 |
651 |
648 |
637 |
637 |
684 |
362 |
317 |
325 |
386 |
353 |
| Net Debt |
|
684 |
745 |
714 |
682 |
726 |
792 |
389 |
413 |
418 |
469 |
448 |
| Capital Expenditures (CapEx) |
|
0.36 |
1.45 |
1.05 |
8.55 |
0.44 |
0.30 |
0.95 |
9.62 |
1.06 |
1.09 |
0.95 |
| Net Nonoperating Expense (NNE) |
|
0.38 |
0.00 |
0.00 |
14 |
20 |
10 |
0.03 |
-10 |
4.20 |
0.03 |
0.03 |
| Net Nonoperating Obligations (NNO) |
|
732 |
756 |
752 |
725 |
736 |
804 |
474 |
449 |
433 |
491 |
484 |
| Total Depreciation and Amortization (D&A) |
|
7.60 |
7.64 |
8.21 |
7.69 |
6.66 |
6.38 |
6.43 |
6.24 |
5.48 |
5.58 |
5.28 |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
($0.19) |
$0.12 |
$0.05 |
($0.18) |
($0.26) |
$0.31 |
$0.11 |
($0.02) |
($0.26) |
$0.27 |
$0.11 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
167.45M |
168.35M |
169.07M |
168.52M |
170.43M |
171.80M |
178.16M |
176.15M |
185.82M |
187.57M |
189.46M |
| Adjusted Diluted Earnings per Share |
|
($0.19) |
$0.11 |
$0.05 |
($0.17) |
($0.26) |
$0.30 |
$0.03 |
($0.06) |
($0.26) |
$0.26 |
$0.11 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
167.45M |
169.74M |
170.96M |
168.52M |
170.43M |
175.10M |
186.64M |
181.90M |
185.82M |
190.83M |
190.48M |
| Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
167.73M |
168.99M |
169.16M |
171.44M |
171.50M |
172.14M |
172.72M |
172.82M |
175.97M |
176.29M |
176.35M |
| Normalized Net Operating Profit after Tax (NOPAT) |
|
-31 |
19 |
8.56 |
-17 |
-25 |
33 |
1.24 |
1.25 |
-37 |
53 |
15 |
| Normalized NOPAT Margin |
|
-14.51% |
5.09% |
2.43% |
-6.12% |
-9.10% |
7.23% |
0.32% |
0.38% |
-11.60% |
10.13% |
3.69% |
| Pre Tax Income Margin |
|
-20.75% |
8.10% |
2.48% |
-8.74% |
-13.01% |
8.65% |
8.92% |
2.82% |
-11.88% |
15.79% |
10.72% |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBIT to Interest Expense |
|
-2.05 |
1.26 |
0.36 |
-1.06 |
-1.52 |
1.99 |
1.70 |
0.15 |
-3.18 |
7.15 |
4.17 |
| NOPAT to Interest Expense |
|
-1.43 |
0.79 |
0.35 |
-0.74 |
-1.06 |
2.68 |
1.28 |
0.20 |
-2.22 |
5.97 |
3.79 |
| EBIT Less CapEx to Interest Expense |
|
-2.06 |
1.21 |
0.32 |
-1.42 |
-1.54 |
1.98 |
1.65 |
-0.64 |
-3.27 |
7.05 |
4.08 |
| NOPAT Less CapEx to Interest Expense |
|
-1.45 |
0.74 |
0.31 |
-1.11 |
-1.08 |
2.67 |
1.23 |
-0.59 |
-2.31 |
5.88 |
3.71 |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Dividend Payout Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
| Augmented Payout Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Key Financial Trends
SelectQuote (NYSE: SLQT) has shown a dramatic swing in performance over the last four years, with recent quarters looking stronger on profitability and cash generation, but the business still carries a heavy debt load and highly volatile results.
- Q3 2026 revenue was $411.7 million, up from $332.9 million in Q4 2025 and $317.0 million in Q1 2026, suggesting a rebound in top-line momentum.
- Q3 2026 net income attributable to common shareholders was $21.4 million, improving from a $47.9 million loss in Q1 2026.
- Operating cash flow in Q3 2026 was $56.8 million, a solid improvement from near breakeven in Q2 2026 and a $21.6 million use of cash in Q1 2026.
- Cash on hand rose to $35.2 million in Q3 2026 from $14.5 million in Q1 2026, helped by the stronger cash generation.
- For the most recent quarter, operating cash flow covered cash interest paid of $7.1 million, which is a meaningful improvement versus prior quarters when interest burden was more strained.
- The company’s quarterly results have been volatile, with large swings driven by non-interest income and investment-related items, making earnings quality harder to forecast.
- Basic and diluted EPS in Q3 2026 were both $0.11, versus -$0.26 in Q1 2026, showing improvement but not yet a consistently stable earnings trend.
- Share count remains elevated at roughly 189 million basic shares in Q3 2026, so future earnings growth may still be diluted.
- Debt remains significant at Q3 2026, including $130.3 million short-term debt and $353.3 million long-term debt.
- Total liabilities were $671.2 million against common equity of only $384.7 million, leaving the balance sheet leveraged.
- Retained earnings were still negative at -$143.2 million in Q3 2026, reflecting the company’s long history of losses and uneven profitability.
- Over the full historical period shown, SelectQuote has repeatedly posted quarters with large losses and negative operating cash flow, especially in earlier periods like Q1 2025 and Q1 2024.
Bottom line: SelectQuote’s latest quarter shows a meaningful improvement in sales, profits, and cash flow, which is encouraging for investors. However, the company is still financially leveraged and its results have been extremely inconsistent over time. Retail investors should view the recent progress as a positive sign, but not yet as evidence of a fully durable turnaround.
07/25/26 09:46 AM ETAI Generated. May Contain Errors.