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SelectQuote Inc. (SLQT) — RQD Stock Rating Cockpit

$0.36 -0.47% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.36

SelectQuote Inc. (SLQT) carries a Roarable Rating of D- (Sell) with 42/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • SELL / AVOID Cap $64.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $0.36 (-0.27%)🧬 Dilution Drag (+1.64% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.0% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D-

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-8.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SLQT)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (42/100 Composite)

🔍 WHY SLQT SCORES 42/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (31% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (29% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 4.5% operating margin leave 15 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$0.36-11.1% Next Q

Q2 (-2Q)

Grade E$0.32-3.1% Next Q

Q3 (-1Q)

Grade E$0.31+16.1% Next Q

Current

Grade D-$0.36-7% Hist 90D α

Trajectory: E (34) → D- (42)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a SLQT Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While SLQT currently carries a cautious 42/100 (D-) rating due to Cash Engine Quality (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.44) and Max Pain ($0.38) forces dealer call-delta covering toward $2.28.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.64% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SLQT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SLQT Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”

YES 42%NO 58%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

4530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE3% OF RANGE

L: $0$0.36H: $2

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 5 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 19 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on SLQT

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (25)

7.4% ROIC with 42.0% gross margin and -21.35% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (40)

18/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like SLQT

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SLQT)

✓Walkthrough of SLQT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SLQT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -60.87%🛡️ HOLDING TREND SUPPORT

2026-10-30O $0.36H $0.37L $0.35C $0.36VOL 794.6K

RES: $0.56SUP: $0.26SMA50: $0.44SMA200: $0.78

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SLQT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SLQT Butterfly Map → + Track SLQT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-6.4%/yr Implied 5Y Growth

vs. +15.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SLQT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SLQT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SLQT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SLQT)

Financials Rank #966 of 1096 ⚔️ RDZN vs SLQT Full Matrix →

1. Head-to-Head Financials Peer Comparison (SLQT vs. RDZN, HIT, HUIZ, XHG)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, SelectQuote Inc. (SLQT) ranks #966 by composite RQD confidence (42/100, grade D-) and #1004 by equity capitalization ($64.9M). Within this direct 5-issuer industry benchmark cohort, HIT leads on earnings valuation at 31.2x trailing P/E, while HIT leads on capital efficiency and profitability with 7.5% ROIC and — gross margin. HUIZ currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with SLQT at 42/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SLQT ACTIVE SelectQuote Inc.	D-	42/100	—	—	7.4%	-0.47%	$64.9M	Benchmark Subject
RDZN Roadzen Inc.	E	22/100	—	—	-35.0%	-2.61%	$95.4M	/rdzn-vs-slqt →
HIT Health In Tech Inc. (Class A)	C	63/100	31.2x	—	7.5%	-5.89%	$39.9M	/hit-vs-slqt →
HUIZ Huize Holding Limited	C+	68/100	39.0x	—	3.1%	+6.19%	$22.5M	/huiz-vs-slqt →
XHG XChange TEC.INC	D-	40/100	—	—	—	+2.06%	$204.6M	/xhg-vs-slqt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0001794783

In its most recent audited fiscal period (FY2025, filed 2025-06-30), SelectQuote Inc. (SLQT) reported GAAP revenue of $1.53B (+15.5% vs. FY2024 revenue of $1.32B , and +52.2% cumulative change since FY2023) , GAAP net income of $47.6M, operating cash flow of -$11.7M, and free cash flow of -$13.9M (-216.9% YoY). On the balance sheet, SLQT closed FY2025 with $1.35B in total assets against $385.7M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-06-30	$1.53B	$47.6M	-$11.7M	-$13.9M	$1.35B	$385.7M
FY2024 (FY)	2024-06-30	$1.32B	-$34.1M	$15.2M	$11.9M	$1.28B	$684.3M
FY2023 (FY)	2023-06-30	$1.00B	-$58.5M	-$19.4M	-$19.4M	—	—

3. SLQT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SLQT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, SelectQuote Inc. (NYSE: SLQT) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $0.36 (-0.47% 1D, market cap $64.9M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 6/20. Across 1096 tracked Financials issuers, SLQT ranks #966 in composite RQD confidence.

How does SLQT compare to RDZN and HIT in the Financials sector?

Within the Financials sector (Specialty Insurers), SLQT carries a Roarable D- (42/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 7.4%. By comparison, RDZN (Roadzen Inc.) holds a E grade (22/100 RQD, P/E N/A, ROIC -35.0%, cap $95.4M) and HIT (Health In Tech Inc. (Class A)) posts a C grade (63/100 RQD, P/E 31.2x, ROIC 7.5%, cap $39.9M). Among the 5-stock peer group, HIT leads on earnings multiple (31.2x) while HIT leads on capital efficiency (7.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SLQT?

Per SLQT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001794783), SelectQuote Inc. generated $1.53B in revenue (+15.5% YoY), $47.6M in net income, and -$13.9M in free cash flow against $1.35B in total assets and $385.7M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SLQT trading relative to its 50-day, 200-day, and 52-week technical levels?

SLQT last traded at $0.36 (-0.47% on volume of 719,384 shares), positioning the stock -18.18% below its 50-day simple moving average ($0.44) and -53.85% below its 200-day simple moving average ($0.78). Across its 52-week range of $0.30 to $2.17, SLQT sits at the 3.2% percentile with a 14-day RSI of 45.0 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.40).

SLQT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell SLQT stock right now?

SelectQuote Inc. (SLQT) currently earns a Roarable Rating of D- (Sell — SELL) with 42/100 RQD Confidence. Stretched risk/reward at current multiples (7% return on capital) under elevated 10-year interest-rate pressure.

What is SLQT's 12-month price target and RQD AI Jury consensus?

SLQT's 12-month base price target is $0.33 (range $0.26 to $2.28), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: SLQT RQD Cockpit SLQT 12M Forecast SLQT Earnings & Move SLQT Dividends & DRIP SLQT Insiders & 13F SLQT Whale Options SLQT Profit Sankey SLQT News & Why