SelectQuote Inc. Common Stock (SLQT)

FairStock Score: 76/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

SelectQuote is a technology-enabled distributor of Medicare, life, and healthcare products. Fiscal 2026 revenue was $1.6B, up from $1.5B in fiscal 2025 and $1.3B in fiscal 2024, and net income was $62.2M, following $47.6M in fiscal 2025 and a $34.1M loss in fiscal 2024. That is a genuine turnaround, and the Lynch category TURNAROUND captures it. But I struggle to see a durable moat: the policy often belongs to the insurer, not SelectQuote, and results are lumpy. In fiscal Q1 2026, the quarter ended 2025-09-30, net income was -$30.5M, while fiscal Q2 2026, the quarter ended 2025-12-31, net income was $69.3M, and fiscal Q3 2026, the quarter ended 2026-03-31, net income was $40.2M. Fiscal 2026 diluted EPS was -$0.06 despite positive net income, which makes the reported profit less clean. Financial health is the crux. At the 2026-10-13 close of $0.35, FairStock calculates market cap of $61.3M, P/B of 0.17, EV/EBITDA of 3.19, and a 25.7% FCF yield on $15.7M trailing free cash flow. Those are deep-value numbers. Yet FairStock's Altman Z-score of 0.29 and Piotroski F-score of 2/9 point to fragility, with D/E at 0.61. ROE of 10.15% and ROCE of 3.64% do not offer much cushion. The 52-week range of $0.34-$2.22 and beta of 1.69 show how violently sentiment has swung. So the shares look statistically cheap, but cheapness alone is not safety. I need to see consistent quarterly profits, durable free cash flow, and a stronger balance sheet before treating this as a high-quality bargain.

In plain English: SelectQuote sells insurance and healthcare services directly to consumers. The business looks mixed: it made a full-year profit in fiscal 2026, but quarterly results have swung between losses and gains, and its finances show strain. At $0.35, the price looks very low compared with its sales, accounting value and cash generation, so the market seems to expect trouble.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer