SelectQuote, Inc. (SLQT) vs XChange TEC.INC. Sponsored ADR (XHG)

SelectQuote, Inc. and XChange TEC.INC. Sponsored ADR are both Insurance Brokers companies. XChange TEC.INC. Sponsored ADR is the larger, with a market value of $150.5M against $69.9M — 2.2× the size. XChange TEC.INC. Sponsored ADR trades at the lower P/E: 0.0× against 4.6×. SelectQuote, Inc. grew revenue faster over the last twelve months: 0.42% against −38.9%. XChange TEC.INC. Sponsored ADR has the higher net margin (37.7% vs −0.27%) and the lower return on invested capital (0.00% vs 5.36%). Across the 16 metrics below, SelectQuote, Inc. leads on 8 and XChange TEC.INC. Sponsored ADR on 8.

Valuation

Metric SLQT XHG Insurance Brokers median
P/E 4.64 0.00 22.14
P/S 0.05 n/m 2.91
P/B 0.24 n/m 3.02
Price to free cash flow 3.64 n/m 22.32
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 21.54% 233,517.68% 3.41%
Free cash flow yield 27.48% (925,403.74%) 3.09%

Profitability

Metric SLQT XHG Insurance Brokers median
Gross margin 36.42% 0.00% 49.54%
Operating margin 5.48% 0.00% 15.76%
Net margin (0.27%) 37.67% 8.19%
Free cash flow margin 1.31% 0.00% 3.58%
Return on equity (1.35%) 0.00% 2.99%
Return on assets (0.34%) 0.00% 2.33%
Return on invested capital 5.36% 0.00% 5.64%

Growth

Metric SLQT XHG Insurance Brokers median
Revenue growth (TTM) 0.42% (38.89%) 9.77%
EPS growth (last fiscal year) (700.00%) 98.46% (8.67%)
Revenue growth, 5-year CAGR 11.72% (21.54%) 9.30%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric SLQT XHG Insurance Brokers median
Debt to equity 0.61 (0.04) 0.49
Current ratio 7.48 0.04 1.54
Net debt to EBITDA 3.65 (0.03) 1.20

Dividend

Metric SLQT XHG Insurance Brokers median
Dividend yield — — 1.01%
Payout ratio — — 0.33

Size

Metric SLQT XHG Insurance Brokers median
Market cap 69.93m 150.52m 2.41b

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