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SelectQuote, Inc. (together with its subsidiaries, SelectQuote , the Company , we , us ) is a leading technology-enabled, direct-to-consumer ( DTC ) distribution and engagement platform for selling insurance policies and healthcare services. In recent years, we have increasingly focused on expanding our healthcare services platform as a natural extension of our core Senior distribution insuranc…
Operating margin is thin at 4.50%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue grew 15.2%, still solid. Free cash flow declined 217% despite revenue growth, conversion is weakening.
Free cash flow declined 217% versus the prior year, cash generation momentum has weakened. Negative free cash flow of -$14M. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
$1.64B
▲ +15.2% YoY
Net Income (TTM)
$92M
▲ +239.4% YoY
Op. Margin
3.54%
▼ -0.4pp YoY
ROIC
6.63%
▲ +1.9pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-$6M
▼ -216.9% YoY
Op. Cash Flow (TTM)
-$2M
▼ -176.6% YoY
Net Debt
$375M
Cash & Equiv.
$30M
5Y CAGR: +23.4%
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