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Selectquote Inc (SLQT)SLQT
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Upturn Advisory Summary
09/18/2024: SLQT (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Upturns
Type: Stock | Upturn Star Rating | Today’s Advisory: PASS |
Profit: -11.24% | Upturn Advisory Performance 2 | Avg. Invested days: 21 |
Profits based on simulation | Stock Returns Performance 1 | Last Close 09/18/2024 |
Type: Stock | Today’s Advisory: PASS |
Profit: -11.24% | Avg. Invested days: 21 |
Upturn Star Rating | Stock Returns Performance 1 |
Profits based on simulation Last Close 09/18/2024 | Upturn Advisory Performance 2 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 354.89M USD |
Price to earnings Ratio - | 1Y Target Price 4.5 |
Dividends yield (FY) - | Basic EPS (TTM) -0.2 |
Volume (30-day avg) 1628877 | Beta 1.07 |
52 Weeks Range 1.03 - 4.46 | Updated Date 09/18/2024 |
Company Size Small-Cap Stock | Market Capitalization 354.89M USD | Price to earnings Ratio - | 1Y Target Price 4.5 |
Dividends yield (FY) - | Basic EPS (TTM) -0.2 | Volume (30-day avg) 1628877 | Beta 1.07 |
52 Weeks Range 1.03 - 4.46 | Updated Date 09/18/2024 |
Earnings Date
Report Date 2024-09-13 | When BeforeMarket |
Estimate -0.15 | Actual -0.18 |
Report Date 2024-09-13 | When BeforeMarket | Estimate -0.15 | Actual -0.18 |
Profitability
Profit Margin -2.58% | Operating Margin (TTM) -0.45% |
Management Effectiveness
Return on Assets (TTM) 3.34% | Return on Equity (TTM) -10.28% |
Revenue by Products
Revenue by Products - Current and Previous Year
Valuation
Trailing PE - | Forward PE 68.97 |
Enterprise Value 1026121881 | Price to Sales(TTM) 0.27 |
Enterprise Value to Revenue 0.78 | Enterprise Value to EBITDA 11.47 |
Shares Outstanding 171443008 | Shares Floating 139518942 |
Percent Insiders 10.58 | Percent Institutions 45.88 |
Trailing PE - | Forward PE 68.97 | Enterprise Value 1026121881 | Price to Sales(TTM) 0.27 |
Enterprise Value to Revenue 0.78 | Enterprise Value to EBITDA 11.47 | Shares Outstanding 171443008 | Shares Floating 139518942 |
Percent Insiders 10.58 | Percent Institutions 45.88 |
Analyst Ratings
Rating 4 | Target Price 3 | Buy - |
Strong Buy 1 | Hold 1 | Sell - |
Strong Sell - |
Rating 4 | Target Price 3 | Buy - | Strong Buy 1 |
Hold 1 | Sell - | Strong Sell - |
AI Summarization
Selectquote Inc.: A Comprehensive Overview
Company Profile:
Detailed history and background: Selectquote Inc. (NYSE: SLQT) is a leading online provider of insurance comparison and quoting services in the United States. Founded in 1985 as a single-product telephone-based insurance brokerage, the company has evolved into a multi-platform, multi-channel insurance marketplace. Selectquote’s initial focus was on Medicare products, later expanding to life and annuity products. Today, it offers a wide range of insurance products, including Medicare, life, auto, home, and commercial insurance. It operates through the following segments:
- Senior Products: Offers Medicare and related insurance products
- Life & Annuity Products: Offers life, annuity, and long-term care insurance products
- Property & Casualty Products: Offers auto, home, and commercial insurance products
Leadership Team and Corporate Structure: The company is led by Robert V. Bland, its Chairman and CEO. The executive team includes experienced professionals responsible for marketing, sales, product development, finance, and technology. Selectquote operates a decentralized structure, with dedicated teams managing each product segment.
Top Products and Market Share:
- Medicare Products: Selectquote is a top online distributor of Medicare Advantage and Part D plans, holding a significant market share in this segment.
- Life & Annuity Products: The company is a leading online distributor of term life and annuity products, although its market share in these areas is lower than in Medicare.
- Property & Casualty Products: Selectquote's Property & Casualty segment is relatively new, offering auto, home, and commercial insurance products through its own platform and partnership channels. The company is aiming to gain market share in this segment.
Market Size: The US insurance market is massive, with individual segments representing hundreds of billions of dollars in potential revenue. Selectquote operates in multiple segments that offer significant growth potential.
Financial Performance:
- Revenue: Selectquote has experienced steady revenue growth over the past five years, driven by strong Medicare sales and expansion into new product segments.
- Net Income: Net income has fluctuated, impacted by marketing spend and product mix changes.
- Profit Margins: Profit margins have improved in recent years as the company has optimized its marketing and operating expenses.
- EPS: Earnings per share have shown a positive trend due to efficient profit utilization and share buyback programs.
Dividends and Shareholder Returns:
- Dividend History: Selectquote has a history of paying dividends, though the payout ratio fluctuates based on profitability and growth plans.
- Shareholder Returns: Shareholder returns have been above average in recent years, exceeding the benchmark S&P 500 performance.
Growth Trajectory:
- Historical Growth: Selectquote has consistently grown its business over the past decade, driven by expanding product offerings, strategic acquisitions, and effective marketing strategies.
- Future Growth: The company expects continued growth fueled by increasing demand for online insurance comparison, Medicare advantage product expansion, and expansion into new insurance product lines.
Market Dynamics: The insurance industry is evolving rapidly, with increasing digitalization, regulatory changes, and emergence of new technologies like AI. Selectquote is well-positioned to adapt to these changes with its digital platform and data-driven approach.
Competitors: Key competitors include eHealth, EverQuote, and Agero. Each competitor specializes in different insurance segments, offering diverse product lines and market approaches. Selectquote maintains a competitive edge through its extensive product portfolio, user-friendly platform, and data-driven marketing strategies.
Potential Challenges and Opportunities:
- Challenges:
- Increased competition, particularly in the P&C segment
- Regulatory changes impacting Medicare and healthcare policies
- Dependence on large distribution partners
- Opportunities:
- Growth of the online insurance market
- Expansion into new product lines and geographic markets
- Building partnerships with technology companies and data providers
Recent Acquisitions: In the past three years, Selectquote acquired LifeQuote in 2021, expanding its presence in the life insurance market. This acquisition aligns with the company's strategy to diversify its product offerings and attract a wider customer base.
AI-Based Fundamental Rating:
Based on an AI-driven analysis, Selectquote earns an 8 out of 10 fundamental rating. This strong rating is supported by the company's solid financial performance, strong market position in key segments, diversified product portfolio, and growth potential. However, investors should be aware of competitive pressures and potential regulatory changes impacting the industry.
Sources and Disclaimers:
Data and information used in this analysis were gathered from sources such as Selectquote's annual reports, investor presentations, SEC filings, industry reports, and news articles.
Disclaimer: This analysis is for informational purposes only and should not be considered financial advice. Please consult with a qualified financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Selectquote Inc
Exchange | NYSE | Headquaters | Overland Park, KS, United States |
IPO Launch date | 2020-05-21 | CEO & Director | Mr. Timothy Robert Danker |
Sector | Financial Services | Website | https://www.selectquote.com |
Industry | Insurance Brokers | Full time employees | 4292 |
Headquaters | Overland Park, KS, United States | ||
CEO & Director | Mr. Timothy Robert Danker | ||
Website | https://www.selectquote.com | ||
Website | https://www.selectquote.com | ||
Full time employees | 4292 |
SelectQuote, Inc. operates a technology-enabled, direct-to-consumer distribution platform that sells insurance policies and healthcare services in the United States. The company operates through four segments: Senior, Healthcare Services, Life, and Auto & Home. It distributes senior health policies, such as medicare advantage, medicare supplement, medicare part D, and other ancillary senior health insurance related products, including prescription drugs, dental, vision, and hearing plans; life insurance products, such as term life, final expense, and other ancillary products, which include critical illness, accidental death, and juvenile insurance; homeowners, auto, dwelling fire, and other ancillary insurance products; and non-commercial auto and home property, and casualty policies. The company also provides SelectRx, a patient-centered pharmacy home accredited pharmacy, which offers essential prescription medications, OTC medications, customized medication packaging, medication therapy management, and long-term pharmacy care; and population health that helps members understand the benefits available under their health plans, and contracts with insurance carriers. SelectQuote, Inc. was incorporated in 1999 and is headquartered in Overland Park, Kansas.
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