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what it is
SelectQuote helps people compare and buy Medicare, life, and healthcare services plans over the phone and online.
how it gets paid
Last year Selectquote made $1.5B in revenue. Senior segment was the main engine at $0.88B, or 59% of sales.
why it's growing
Revenue grew 15.5% last year. The 61% revenue jump is the main number.
what just happened
SelectQuote posted $866M of revenue and $0.01 in EPS, while sales rose 61% vs. prior year.
At a glance
C++ balance sheet — some cracks in the foundation
15/100 earnings predictability — expect surprises
41.4x trailing p/e — you're paying up for this one
9.2% return on capital — nothing to write home about
$0.14 fy2025 eps est
xvary composite: 31/100 — weak
What they do
SelectQuote helps people compare and buy Medicare, life, and healthcare services plans over the phone and online.
This is not a cute app. It has 4,269 employees and has sold over 2.6 million life policies since 1985. You are not buying a widget; you are buying a call center, a trust layer, and a paper trail.
How they make money
$1.5B
annual revenue · their business grew +15.5% last year
Senior segment
$0.88B
Life segment
$0.41B
Selec-tRx
$0.13B
Population Health / SelectPatient Management
$0.08B
The products that matter
distributes medicare policies
Medicare Insurance
$1.2B · about 80% of revenue
This segment generated roughly $1.2B and carries the company. When one line produces four-fifths of sales, you do not need a complicated thesis. You need this one business to keep working.
core segment
sells life and burial coverage
Life & Final Expense
$300M · about 20% of revenue
This segment brought in about $300M and grew +8%. Useful, but not big enough to offset a Medicare problem. Same company. Very different importance.
secondary revenue
phone agents plus digital customer acquisition
Distribution model
$1.5B sales base · 2.84% return on total capital
Here's the catch: scale exists, but the returns still look thin. For every dollar tied up in the business, the company earned 2.84% versus a 7.07% industry median. Revenue came back. Efficiency still has work to do.
economics first
Key numbers
$1.5B
annual revenue
That is the size of the machine. On a $115M market cap, the stock is priced like a tiny stub.
$350M
long-term debt
Debt means borrowed money. You have to pay it back, and this stack equals 75% of capital.
7.1%
operating margin
Margin means profit left after running the business. Only 7.1 cents of every dollar survives.
2.2
beta
Beta means how wild the stock moves versus the market. A 2.2 beta means you get twice the drama.
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 5 — safer than 5% of stocks
- price stability 5 / 100
- long-term debt $350M (75% of capital)
C++ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for SLQT right now.
source: institutional data · return history unavailable
What just happened
missed estimates
SelectQuote posted $866M of revenue and $0.01 in EPS, while sales rose 61% vs. prior year.
Revenue was up 61% from a year ago. EPS was down 96%, so growth did not turn into profit.
$866M
revenue
$0.01
eps
61.0%
revenue growth
revenue growth
The 61% revenue jump is the main number. It says demand is still there even with thin profits.
source: company earnings report, 2026
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What could go wrong
SelectQuote does not need a dramatic collapse to hurt you. It just needs Medicare momentum to cool while debt stays high and returns stay mediocre.
med
Debt still towers over the equity
Long-term debt is $350M, or 75% of capital, against a market cap of about $115M. The new $415M facility helps with runway, but it does not change where common shareholders sit in the stack.
If operating momentum slips, the equity absorbs the hit first. Debt does not volunteer.
med
The story is mostly one segment
Medicare Insurance generates about $1.2B of revenue, or roughly 80% of the total. That concentration makes the thesis easy to explain and unforgiving to own.
If Medicare growth slows, the other roughly 20% of revenue is not large enough to carry the stock.
med
Profitability improved, predictability did not
Return on equity reached 19.3%, up 15.6 points from a year ago. Earnings predictability is still just 15 / 100. Better numbers showed up. Reliability has not shown up with them.
You can get trapped paying for a turnaround before the earnings stream earns your trust.
med
Returns on capital still trail the industry
Return on total capital is 2.84% versus a 7.07% industry median. In plain English: this business has not yet turned scale into strong economics.
If that gap stays wide after the refinancing, this stays a financing story pretending to be an operating recovery.
With $350M in long-term debt, a $115M market cap, and about 80% of revenue tied to Medicare, you do not need many things to go wrong at once.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
next report timing
The company reported on February 7, 2026. The next earnings release is estimated for May 7, 2026. For a 15 / 100 predictability stock, every update matters more than usual.
balance sheet
debt after the refinancing
The new $415M facility bought breathing room. Watch whether long-term debt starts moving down from $350M rather than just getting moved around.
profitability
capital efficiency versus the industry
Return on total capital is 2.84% versus a 7.07% industry median. That gap is one of the cleanest ways to tell whether improvement is real or just temporary relief.
segment mix
medicare staying dominant
About 80% of revenue comes from Medicare Insurance. If growth there cools, the other roughly 20% of the business is not large enough to carry the story.
Analyst rankings
earnings predictability
15 / 100
in human-speak, analysts do not expect a clean, steady earnings path here.
risk rank
5
This sits near the risky end of the market. You are not buying stability. You are buying a comeback attempt with sharp edges.
source: institutional data
Institutional activity
institutional ownership data for SLQT is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$1
current price
n/a
target midpoint · n/a from current
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