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SelectQuote (STU:6SJA) Piotroski F-Score : 4 (As of Mar. 15, 2025)


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What is SelectQuote Piotroski F-Score?

The zones of discrimination were as such:

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

SelectQuote has an F-score of 4 indicating the company's financial situation is typical for a stable company.

The historical rank and industry rank for SelectQuote's Piotroski F-Score or its related term are showing as below:

STU:6SJA' s Piotroski F-Score Range Over the Past 10 Years
Min: 1   Med: 3   Max: 5
Current: 4

During the past 7 years, the highest Piotroski F-Score of SelectQuote was 5. The lowest was 1. And the median was 3.


SelectQuote Piotroski F-Score Historical Data

The historical data trend for SelectQuote's Piotroski F-Score can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

SelectQuote Piotroski F-Score Chart

SelectQuote Annual Data
Trend Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24
Piotroski F-Score
Get a 7-Day Free Trial N/A 3.00 1.00 4.00 4.00

SelectQuote Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Piotroski F-Score Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.00 3.00 4.00 4.00 4.00

Competitive Comparison of SelectQuote's Piotroski F-Score

For the Insurance Brokers subindustry, SelectQuote's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


SelectQuote's Piotroski F-Score Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, SelectQuote's Piotroski F-Score distribution charts can be found below:

* The bar in red indicates where SelectQuote's Piotroski F-Score falls into.


How is the Piotroski F-Score calculated?

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

This Year (Dec24) TTM:Last Year (Dec23) TTM:
Net Income was 7.867 + -28.815 + -40.136 + 50.84 = €-10 Mil.
Cash Flow from Operations was 40.922 + 18.575 + -14.966 + -27.403 = €17 Mil.
Revenue was 346.288 + 285.397 + 263.329 + 459.421 = €1,354 Mil.
Gross Profit was 171.04 + 113.354 + 87.402 + 213.662 = €585 Mil.
Average Total Assets from the begining of this year (Dec23)
to the end of this year (Dec24) was
(1133.338 + 1145.528 + 1109.141 + 1033.331 + 1221.604) / 5 = €1128.5884 Mil.
Total Assets at the begining of this year (Dec23) was €1,133 Mil.
Long-Term Debt & Capital Lease Obligation was €676 Mil.
Total Current Assets was €356 Mil.
Total Current Liabilities was €186 Mil.
Net Income was 8.653 + -44.154 + -29.095 + 17.782 = €-47 Mil.

Revenue was 279.638 + 204.701 + 218.068 + 371.787 = €1,074 Mil.
Gross Profit was 147.488 + 78.336 + 71.41 + 196.086 = €493 Mil.
Average Total Assets from the begining of last year (Dec22)
to the end of last year (Dec23) was
(1225.23 + 1202.951 + 1125.369 + 1096.425 + 1133.338) / 5 = €1156.6626 Mil.
Total Assets at the begining of last year (Dec22) was €1,225 Mil.
Long-Term Debt & Capital Lease Obligation was €620 Mil.
Total Current Assets was €356 Mil.
Total Current Liabilities was €169 Mil.

*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.

Profitability

Question 1. Return on Assets (ROA)

Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

SelectQuote's current Net Income (TTM) was -10. ==> Negative ==> Score 0.

Question 2. Cash Flow Return on Assets (CFROA)

Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

SelectQuote's current Cash Flow from Operations (TTM) was 17. ==> Positive ==> Score 1.

Question 3. Change in Return on Assets

Compare this year's return on assets (1) to last year's return on assets.

Score 1 if it's higher, 0 if it's lower.

ROA (This Year)=Net Income/Total Assets (Dec23)
=-10.244/1133.338
=-0.00903879

ROA (Last Year)=Net Income/Total Assets (Dec22)
=-46.814/1225.23
=-0.03820834

SelectQuote's return on assets of this year was -0.00903879. SelectQuote's return on assets of last year was -0.03820834. ==> This year is higher. ==> Score 1.

Question 4. Quality of Earnings (Accrual)

Compare Cash flow return on assets (2) to return on assets (1)

Score 1 if CFROA > ROA, 0 if CFROA <= ROA.

SelectQuote's current Net Income (TTM) was -10. SelectQuote's current Cash Flow from Operations (TTM) was 17. ==> 17 > -10 ==> CFROA > ROA ==> Score 1.

Funding

Question 5. Change in Gearing or Leverage

Compare this year's gearing (long-term debt divided by average total assets) to last year's gearing.

Score 0 if this year's gearing is higher, 1 otherwise.

Gearing (This Year: Dec24)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Dec23 to Dec24
=675.971/1128.5884
=0.59895264

Gearing (Last Year: Dec23)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Dec22 to Dec23
=619.908/1156.6626
=0.5359454

SelectQuote's gearing of this year was 0.59895264. SelectQuote's gearing of last year was 0.5359454. ==> Last year is lower than this year ==> Score 0.

Question 6. Change in Working Capital (Liquidity)

Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.

Score 1 if this year's current ratio is higher, 0 if it's lower

Current Ratio (This Year: Dec24)=Total Current Assets/Total Current Liabilities
=355.615/185.652
=1.91549243

Current Ratio (Last Year: Dec23)=Total Current Assets/Total Current Liabilities
=355.629/168.702
=2.10803073

SelectQuote's current ratio of this year was 1.91549243. SelectQuote's current ratio of last year was 2.10803073. ==> Last year's current ratio is higher ==> Score 0.

Question 7. Change in Shares in Issue

Compare the number of shares in issue this year, to the number in issue last year.

Score 0 if there is larger number of shares in issue this year, 1 otherwise.

SelectQuote's number of shares in issue this year was 175.101. SelectQuote's number of shares in issue last year was 169.737. ==> There is larger number of shares in issue this year. ==> Score 0.

Efficiency

Question 8. Change in Gross Margin

Compare this year's gross margin (Gross Profit divided by sales) to last year's.

Score 1 if this year's gross margin is higher, 0 if it's lower.

Gross Margin (This Year: TTM)=Gross Profit/Revenue
=585.458/1354.435
=0.43225256

Gross Margin (Last Year: TTM)=Gross Profit/Revenue
=493.32/1074.194
=0.45924665

SelectQuote's gross margin of this year was 0.43225256. SelectQuote's gross margin of last year was 0.45924665. ==> Last year's gross margin is higher ==> Score 0.

Question 9. Change in asset turnover

Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.

Score 1 if this year's asset turnover ratio is higher, 0 if it's lower

Asset Turnover (This Year)=Revenue/Total Assets at the Beginning of This Year (Dec23)
=1354.435/1133.338
=1.19508478

Asset Turnover (Last Year)=Revenue/Total Assets at the Beginning of Last Year (Dec22)
=1074.194/1225.23
=0.87672845

SelectQuote's asset turnover of this year was 1.19508478. SelectQuote's asset turnover of last year was 0.87672845. ==> This year's asset turnover is higher. ==> Score 1.

Evaluation

Piotroski F-Score= Que. 1+ Que. 2+ Que. 3+Que. 4+Que. 5+Que. 6+Que. 7+Que. 8+Que. 9
=0+1+1+1+0+0+0+0+1
=4

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

SelectQuote has an F-score of 4 indicating the company's financial situation is typical for a stable company.

SelectQuote  (STU:6SJA) Piotroski F-Score Explanation

The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.

He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.

In 2000, he wrote a research paper called "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers" (pdf).

He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.

What he found was something that exceeded his most optimistic expectations.

Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.

Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).

Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.


SelectQuote Piotroski F-Score Related Terms

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SelectQuote Business Description

Traded in Other Exchanges
Address
6800 West 115th Street, Suite 2511, Overland Park, KS, USA, 66211
SelectQuote Inc is a Direct-to-consumer (DTC) distribution platform which facilitates consumers to shop for health, life and auto & home insurance policies online. The company generates its revenues by selling insurance products on behalf of the insurance carrier partners in the form of commission. It functions through three lines namely, SelectQuote Senior, SelectQuote Life, and SelectQuote Auto & Home.

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