SLQT — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

Model	Intrinsic Value	vs Price ($0.86)
DCF	$1.14	+32.4%
Graham Number	—	—
Reverse DCF	—	implied g: 10.2%
DDM	—	—
EV/EBITDA	$2.34	+170.9%

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: $23.99M

Near-term growth (yrs 1–5)(%)Rev: 11.6% / EPS: -12.6%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 11.59%

Computed WACC: 11.59%

Cost of equity (Re)11.18%(Rf 4.30% + β 1.25 × ERP 5.50%)

Cost of debt (Rd)14.86%(interest expense ÷ avg debt (SEC))

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)25.86%

Debt weight (D/V)74.14%

Results

Intrinsic Value / share$0.07

Current Price$0.86

Upside / Downside-92.0%

Net Debt (used)$417.74M

Sensitivity: WACC (rows) × Near-term g (cols)

WACC \ Near-term	3.6%	7.6%	11.6%	15.6%	19.6%
7.0%	$1.30	$2.01	$2.83	$3.77	$4.85
8.0%	$0.61	$1.18	$1.83	$2.58	$3.44
9.0%	$0.13	$0.60	$1.14	$1.76	$2.47
10.0%	$-0.22	$0.18	$0.64	$1.16	$1.76
11.0%	$-0.48	$-0.14	$0.25	$0.71	$1.22

2 — Graham Number

Assumptions

MultiplierGraham used 22.5 (15× P/E × 1.5× P/B)

EPS (trailing)($)Yahoo: $-0.03

Book Value / share($)Yahoo: $2.04

Results

Graham Number requires positive EPS and positive Book Value per share. EPS is zero or negative.

Graham Number—

Current Price$0.86

Margin of Safety—

Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 11.59%

Terminal growth rate(%)

Computed WACC: 11.59%

Cost of equity (Re)11.18%(Rf 4.30% + β 1.25 × ERP 5.50%)

Cost of debt (Rd)14.86%(interest expense ÷ avg debt (SEC))

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)25.86%

Debt weight (D/V)74.14%

Results

Current Price$0.86

Implied Near-term FCF Growth16.8%

Historical Revenue Growth11.6%

Historical Earnings Growth-12.6%

Base FCF (TTM)$23.99M

Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Annual dividend D0($/share)Yahoo: —

Dividend growth rate (g)(%)

Required return (r)(%)

Results

This company does not pay a dividend. DDM is not applicable — the intrinsic value shown uses D0 = $0 unless you enter a hypothetical dividend above.

DDM Intrinsic Value / share—

Current Price$0.86

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: $58.33M

Target EV/EBITDA multipleCurrent: 14.2×

Net Debt($B)Default: $417.74M

Results

Implied Equity Value / share$2.34

Current Price$0.86

Upside / Downside+170.9%

Implied EV$829.80M

Sensitivity: EV/EBITDA multiple (rows) × Net Debt (cols)

Mult \ Net Debt	-$1.58B	-$582.26M	$417.74M	$1.42B	$2.42B
10.2x	$12.36	$6.69	$1.01	$-4.66	$-10.33
12.2x	$13.02	$7.35	$1.68	$-4.00	$-9.67
14.2x	$13.68	$8.01	$2.34	$-3.34	$-9.01
16.2x	$14.34	$8.67	$3.00	$-2.67	$-8.35
18.2x	$15.01	$9.33	$3.66	$-2.01	$-7.68

← Overview Financial Statements ← Companies