Selectquote Inc Financials
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Selectquote Inc has an operating margin of 4.5%, meaning the company retains $4 of operating profit per $100 of revenue. This below-average margin results in a low score of 22/100, suggesting thin profitability after operating expenses. This is down from 4.9% the prior year.
Selectquote Inc's revenue surged 15.5% year-over-year to $1.5B, reflecting rapid business expansion. This strong growth earns a score of 73/100.
Selectquote Inc carries a low D/E ratio of 0.90, meaning only $0.90 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 78/100, indicating a strong balance sheet with room for future borrowing.
Selectquote Inc's current ratio of 1.60 indicates adequate short-term liquidity, earning a score of 44/100. The company can meet its near-term obligations, though with limited headroom.
While Selectquote Inc generated -$11.7M in operating cash flow, capex of $2.2M consumed most of it, leaving -$13.9M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Selectquote Inc's ROE of 13.6% shows moderate profitability relative to equity, earning a score of 54/100.
Selectquote Inc scores 1.42, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Selectquote Inc passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Selectquote Inc generates $-0.25 in operating cash flow (-$11.7M OCF vs $47.6M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Selectquote Inc earns $0.9 in operating income for every $1 of interest expense ($68.5M vs $79.4M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
This page shows Selectquote Inc (SLQT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Selectquote Inc generated $1.5B in revenue in fiscal year 2025. This represents an increase of 15.5% from the prior year.
Selectquote Inc's EBITDA was $89.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 0.7% from the prior year.
Selectquote Inc generated -$13.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 216.9% from the prior year.
Selectquote Inc reported $47.6M in net income in fiscal year 2025. This represents an increase of 239.4% from the prior year.
Selectquote Inc earned $0.01 per diluted share (EPS) in fiscal year 2025. This represents an increase of 105.0% from the prior year.
Selectquote Inc held $32.4M in cash against $316.6M in long-term debt as of fiscal year 2025.
Selectquote Inc had 173M shares outstanding in fiscal year 2025. This represents an increase of 2.0% from the prior year.
Selectquote Inc's gross margin was 58.7% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 10.7 percentage points from the prior year.
Selectquote Inc's operating margin was 4.5% in fiscal year 2025, reflecting core business profitability. This is down 0.4 percentage points from the prior year.
Selectquote Inc's net profit margin was 3.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.7 percentage points from the prior year.
Selectquote Inc's ROE was 13.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
Selectquote Inc invested $2.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 35.2% from the prior year.
SLQT Income Statement
| Metric | Q2'25 | Q1'25 | Q3'25 | Q2'24 | Q1'24 | Q3'24 | Q2'23 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $537.1M+63.3% | $328.8M-19.4% | $408.2M-15.2% | $481.1M+64.6% | $292.3M-22.4% | $376.4M-7.2% | $405.4M+74.2% | $232.7M |
| Cost of Revenue | $205.2M+6.4% | $192.8M+18.8% | $162.3M+3.9% | $156.2M+20.6% | $129.5M+22.0% | $106.2M+12.7% | $94.2M+12.1% | $84.0M |
| Gross Profit | $331.9M+144.0% | $136.0M-44.7% | $245.9M-24.3% | $324.9M+99.6% | $162.7M-39.8% | $270.2M-13.2% | $311.3M+109.3% | $148.7M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $38.9M+8.7% | $35.8M-14.1% | $41.7M-7.4% | $45.0M+24.6% | $36.1M+3.4% | $35.0M+4.7% | $33.4M+16.6% | $28.7M |
| Operating Income | $75.3M+284.8% | -$40.7M-284.7% | $22.1M-68.9% | $70.9M+692.3% | -$12.0M-136.2% | $33.1M-40.2% | $55.3M+346.7% | -$22.4M |
| Interest Expense | $11.6M-1.7% | $11.8M-42.1% | $20.4M-14.0% | $23.7M+3.0% | $23.0M-5.3% | $24.3M-0.3% | $24.4M+14.1% | $21.4M |
| Income Tax | $13.7M+289.6% | -$7.2M-184.0% | $8.6M+162.7% | -$13.7M-243.6% | $9.5M+5536.7% | $169K-98.5% | $11.5M+189.7% | -$12.8M |
| Net Income | $69.3M+327.5% | -$30.5M-217.1% | $26.0M-51.1% | $53.2M+219.5% | -$44.5M-620.9% | $8.6M-55.9% | $19.4M+162.5% | -$31.1M |
| EPS (Diluted) | $0.26+200.0% | $-0.26-966.7% | $0.03-90.0% | $0.30+215.4% | $-0.26-620.0% | $0.05-54.5% | $0.11+157.9% | $-0.19 |
SLQT Balance Sheet
| Metric | Q2'25 | Q1'25 | Q3'25 | Q2'24 | Q1'24 | Q3'24 | Q2'23 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.4B+12.0% | $1.2B-6.9% | $1.3B+1.3% | $1.3B+11.5% | $1.1B-7.9% | $1.2B+0.7% | $1.2B+5.6% | $1.2B |
| Current Assets | $424.8M+28.0% | $332.0M-7.8% | $360.2M-3.3% | $372.4M+21.3% | $306.9M-20.1% | $384.2M-0.9% | $387.8M+13.7% | $341.1M |
| Cash & Equivalents | $18.3M+70.5% | $10.7M-86.6% | $80.1M+995.1% | $7.3M-30.0% | $10.4M-72.4% | $37.8M+248.5% | $10.8M-77.6% | $48.5M |
| Inventory | N/A | N/A | N/A | $8.8M | N/A | N/A | $5.6M | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $29.4M0.0% | $29.4M0.0% | $29.4M0.0% | $29.4M0.0% | $29.4M+1.0% | $29.1M0.0% | $29.1M0.0% | $29.1M |
| Total Liabilities | $732.6M-18.8% | $901.9M+22.2% | $738.0M-22.6% | $953.2M+8.6% | $877.4M-2.3% | $898.3M-0.1% | $899.4M+5.4% | $853.4M |
| Current Liabilities | $234.8M+8.8% | $215.7M+11.4% | $193.7M-0.4% | $194.4M+16.6% | $166.7M-12.2% | $190.0M+3.3% | $184.0M+34.5% | $136.7M |
| Long-Term Debt | $385.7M+18.7% | $324.8M-10.4% | $362.5M-47.0% | $684.3M+7.4% | $637.2M-1.7% | $648.3M-0.4% | $650.8M-1.6% | $661.2M |
| Total Equity | $359.7M+17.9% | $305.1M-12.9% | $350.2M+7.4% | $326.0M+21.0% | $269.4M-22.3% | $346.8M+3.1% | $336.5M+6.2% | $316.7M |
| Retained Earnings | -$183.4M+27.4% | -$252.6M-7.5% | -$235.1M+10.0% | -$261.1M+16.9% | -$314.3M-31.6% | -$238.8M+3.5% | -$247.3M+7.3% | -$266.7M |
SLQT Cash Flow Statement
| Metric | Q2'25 | Q1'25 | Q3'25 | Q2'24 | Q1'24 | Q3'24 | Q2'23 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $52K+100.2% | -$21.6M-130.4% | $71.1M+347.9% | -$28.7M-72.8% | -$16.6M-137.3% | $44.5M+274.0% | -$25.6M-8.0% | -$23.7M |
| Capital Expenditures | $1.1M+2.8% | $1.1M+11.5% | $949K+217.4% | $299K-32.4% | $442K-58.0% | $1.1M-27.2% | $1.4M+134.7% | $616K |
| Free Cash Flow | -$1.0M+95.4% | -$22.7M-132.3% | $70.2M+342.0% | -$29.0M-70.0% | -$17.1M-139.3% | $43.4M+260.8% | -$27.0M-11.2% | -$24.3M |
| Investing Cash Flow | -$3.6M+8.5% | -$4.0M-18.7% | -$3.4M-47.8% | -$2.3M+11.7% | -$2.6M+20.4% | -$3.2M+8.8% | -$3.5M-65.4% | -$2.1M |
| Financing Cash Flow | $11.2M+165.0% | $4.2M-12.1% | $4.8M-85.9% | $34.2M+361.5% | -$13.1M+8.6% | -$14.3M-67.6% | -$8.5M+3.7% | -$8.9M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
SLQT Financial Ratios
| Metric | Q2'25 | Q1'25 | Q3'25 | Q2'24 | Q1'24 | Q3'24 | Q2'23 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.8%+20.4pp | 41.4%-18.9pp | 60.2%-7.3pp | 67.5%+11.9pp | 55.7%-16.1pp | 71.8%-5.0pp | 76.8%+12.9pp | 63.9% |
| Operating Margin | 14.0%+26.4pp | -12.4%-17.8pp | 5.4%-9.3pp | 14.8%+18.9pp | -4.1%-12.9pp | 8.8%-4.9pp | 13.6%+23.3pp | -9.6% |
| Net Margin | 12.9%+22.2pp | -9.3%-15.6pp | 6.4%-4.7pp | 11.1%+26.3pp | -15.2%-17.5pp | 2.3%-2.5pp | 4.8%+18.1pp | -13.3% |
| Return on Equity | 19.3% | N/A | 7.4%-8.9pp | 16.3% | N/A | 2.5%-3.3pp | 5.8% | N/A |
| Return on Assets | 5.1%+7.6pp | -2.5%-4.5pp | 2.0%-2.1pp | 4.2%+8.0pp | -3.9%-4.6pp | 0.7%-0.9pp | 1.6%+4.2pp | -2.6% |
| Current Ratio | 1.81+0.3 | 1.54-0.3 | 1.86-0.1 | 1.92+0.1 | 1.84-0.2 | 2.02-0.1 | 2.11-0.4 | 2.49 |
| Debt-to-Equity | 1.070.0 | 1.06+0.0 | 1.04-1.1 | 2.10-0.3 | 2.36+0.5 | 1.87-0.1 | 1.93-0.2 | 2.09 |
| FCF Margin | -0.2%+6.7pp | -6.9%-24.1pp | 17.2%+23.2pp | -6.0%-0.2pp | -5.8%-17.4pp | 11.5%+18.2pp | -6.7%+3.8pp | -10.4% |
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Frequently Asked Questions
What is Selectquote Inc's annual revenue?
Selectquote Inc (SLQT) reported $1.5B in total revenue for fiscal year 2025. This represents a 15.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Selectquote Inc's revenue growing?
Selectquote Inc (SLQT) revenue grew by 15.5% year-over-year, from $1.3B to $1.5B in fiscal year 2025.
Is Selectquote Inc profitable?
Yes, Selectquote Inc (SLQT) reported a net income of $47.6M in fiscal year 2025, with a net profit margin of 3.1%.
What is Selectquote Inc's earnings per share (EPS)?
Selectquote Inc (SLQT) reported diluted earnings per share of $0.01 for fiscal year 2025. This represents a 105.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Selectquote Inc's EBITDA?
Selectquote Inc (SLQT) had EBITDA of $89.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Selectquote Inc have?
As of fiscal year 2025, Selectquote Inc (SLQT) had $32.4M in cash and equivalents against $316.6M in long-term debt.
What is Selectquote Inc's gross margin?
Selectquote Inc (SLQT) had a gross margin of 58.7% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Selectquote Inc's operating margin?
Selectquote Inc (SLQT) had an operating margin of 4.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Selectquote Inc's net profit margin?
Selectquote Inc (SLQT) had a net profit margin of 3.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Selectquote Inc's return on equity (ROE)?
Selectquote Inc (SLQT) has a return on equity of 13.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Selectquote Inc's free cash flow?
Selectquote Inc (SLQT) generated -$13.9M in free cash flow during fiscal year 2025. This represents a -216.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Selectquote Inc's operating cash flow?
Selectquote Inc (SLQT) generated -$11.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Selectquote Inc's total assets?
Selectquote Inc (SLQT) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Selectquote Inc's capital expenditures?
Selectquote Inc (SLQT) invested $2.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How many shares does Selectquote Inc have outstanding?
Selectquote Inc (SLQT) had 173M shares outstanding as of fiscal year 2025.
What is Selectquote Inc's current ratio?
Selectquote Inc (SLQT) had a current ratio of 1.60 as of fiscal year 2025, which is generally considered healthy.
What is Selectquote Inc's debt-to-equity ratio?
Selectquote Inc (SLQT) had a debt-to-equity ratio of 0.90 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Selectquote Inc's return on assets (ROA)?
Selectquote Inc (SLQT) had a return on assets of 3.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Selectquote Inc's cash runway?
Based on fiscal year 2025 data, Selectquote Inc (SLQT) had $32.4M in cash against an annual operating cash burn of $11.7M. This gives an estimated cash runway of approximately 33 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Selectquote Inc's Altman Z-Score?
Selectquote Inc (SLQT) has an Altman Z-Score of 1.42, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Selectquote Inc's Piotroski F-Score?
Selectquote Inc (SLQT) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Selectquote Inc's earnings high quality?
Selectquote Inc (SLQT) has an earnings quality ratio of -0.25x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Selectquote Inc cover its interest payments?
Selectquote Inc (SLQT) has an interest coverage ratio of 0.9x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Selectquote Inc?
Selectquote Inc (SLQT) scores 45 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.