Stock fact sheet · data as of
SelectQuote, Inc. (SLQT): fair value, margin of safety and Wheel Score
Ticker symbol SLQT · Financial Services · Insurance - Brokers · United States · Value
Is SLQT undervalued?
SLQT has a margin of safety of 94%: the stock closed at 0.4914 on 5 Nov 2026 against a GLS average fair value of 8.45. 7 of the 7 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 7 models disagree widely: EPV gives 3.11 while GLS Growth gives 17.12. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, SLQT is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 96, growth score 65, out of 100).
Nine valuation models for SLQT
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 3.25 | +561% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 16.00 | +3155% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 6.99 | +1323% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 17.12 | +3384% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 6.78 | +1280% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 5.88 | +1097% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 3.11 | +532% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -2.90 | -690% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 3.13 | +537% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health SLQT scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 5.1 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 5.9%, ROE 9.6%, ROA 4.1% - with debt at 0.61 times equity and a free-cash-flow yield of 31.5%.
SelectQuote, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Pharmacy 59%, Service 41% (quarter Q4 FY2026).
Institutional ownership scores 4/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 5.9% |
|---|---|---|---|
| GLS Moat | 5.1 / 10 | ROE | 9.6% |
| Debt / equity | 0.61 | ROA | 4.1% |
| Free-cash-flow yield | 31.5% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 31: Weak
SLQT scores 31 out of 100 on the Wheel Score, in the Weak band (under 50): it fails filter 1, options that actually trade - options too quiet (1,011 open interest, 72 a day); and filter 7, a premium worth selling - implied volatility 170% (over 80%); and filter 8, big enough - market cap $88M (under $1.0B); and filter 9, not a penny stock - price 0.49 (under $5), and the parts are thin too - value strong, premium weak, moat fair, health good, red flags weak, option trading weak, stability weak. The score is not a judgement on the company; it says the price, quality and premium do not line up for selling puts on it today.
Implied volatility is 170%, above the 80% ceiling of the Wheel Trade Filter on premium. The premium looks generous, but moves of that size can blow through any strike. Chain open interest is thin - 1,011 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 5.5M shares a day on a market cap of $88M, with a beta of 1.69 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that weak.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (1,011 open interest, 72 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | implied volatility 170% (over 80%) |
| 8 | Big enough | Fails | market cap $88M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 0.49 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 94% below fair value | |
| Premium | Weak | implied volatility 170% | |
| Moat | Fair | moat 5.1/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Weak | Red Flags score 62/100 | |
| Option trading | Weak | 72 contracts a day, 1,011 open interest | |
| Stability | Weak | beta 1.69, $88M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for SLQT in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Brokers
The 12 companies below are the closest to SelectQuote, Inc. by market cap within the Insurance - Brokers industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| QDMI QDM International Inc. | 10.30 | 38.45 | +73% | 33No options | $89M |
| AIFU AIFU Inc. | 9.25 | 5.91 | -56% | 16Weak | $55M |
| XHG XChange TEC.INC | 3.32 | - | - | 13No options | $171M |
| WDH Waterdrop Inc. | 1.01 | 45.70 | +98% | 33No options | $365M |
| TWFG TWFG, Inc. Common Stock | 29.58 | 44.50 | +34% | 33No options | $381M |
| EHTH eHealth, Inc. | 0.6347 | 12.35 | +95% | 25Weak | $20M |
| MAAL The Marketing Alliance, Inc. | 1.58 | 5.14 | +69% | 35No options | $11M |
| GSHD Goosehead Insurance, Inc | 56.35 | 64.68 | +13% | 37Weak | $2.0B |
| LIFE Ethos Technologies Inc. | 37.13 | 20.58 | -80% | 30Weak | $2.4B |
| BWIN The Baldwin Insurance Group, Inc. | 32.14 | 27.30 | -18% | 11Weak | $2.6B |
| NP Neptune Insurance Holdings Inc. | 28.55 | 13.69 | -109% | 36Weak | $2.7B |
| ZBAO Zhibao Technology Inc. Class A Ordinary Shares | 0.2400 | - | - | 12No options | $2M |
⚖ Compare SLQT with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SLQT
Is SLQT undervalued right now?
By the GLS models, yes: at 0.4914 the stock is 94% below the average fair value of 8.45 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of SLQT and what does it mean?
SLQT scores 31 out of 100 (Weak) - it fails Wheel Trade Filters 1, 7, 8, 9. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for SLQT?
8.45 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does SelectQuote, Inc. report earnings next?
No upcoming earnings date is recorded for SLQT in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does SLQT have listed options, and how liquid are they?
Yes. The nightly snapshot found 6 listed contracts with 1,011 open interest across all expiries and implied volatility of 170% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.