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SelectQuote cash flow, quarter by quarter

Latest: Q1 FY27 · from the cash-flow statements filed with the SEC

Free cash flow−$17.8M in Q1 FY27 · $32.5M over twelve months

Operating cash flow−$17.2M
Capital spending−$658K
Free cash flow−$17.8M

Analysis

In Q1 FY27, SelectQuote generated −$17.2M of operating cash flow and spent $658K on capital projects, leaving free cash flow of −$17.8M. That is $4.8M more than in Q1 FY26 (−$22.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $36.3M; the largest uses were net borrowing (+) / repaid (−) ($308M), other investing ($11.9M), capital spending ($3.9M); besides operations, cash came from other financing ($288M); the cash balance fell by $1.4M.

Operating cash flow was −$17.2M against net income of −$20.3M. The largest differences: receivables +$38.4M, payables −$10.9M, deferred taxes −$9.4M.

Free cash flow

SelectQuote: free cash flow by quarterSelectQuote: free cash flow by quarter−$29.0MQ2 FY25$70.2MQ3 FY25−$38.0MQ4 FY25−$22.7MQ1 FY26−$1.0MQ2 FY26$55.8MQ3 FY26−$4.5MQ4 FY26−$17.8MQ1 FY27
Operating cash flow less capital spending.
SelectQuote: operating cash flow against capital spendingSelectQuote: operating cash flow against capital spendingOperating cash flowCapital spending−$28.7M$299KQ2 FY25$71.1M$949KQ3 FY25−$37.5M$501KQ4 FY25−$21.6M$1.1MQ1 FY26$52K$1.1MQ2 FY26$56.8M$947KQ3 FY26−$3.3M$1.2MQ4 FY26−$17.2M$658KQ1 FY27
Latest (Q1 FY27): Operating cash flow −$17.2M, Capital spending $658K.

Capital allocation, year by year

SelectQuote: where the cash came from (up) and went (down), by fiscal yearSelectQuote: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsFY22: Operating cash flow −$338MFY22: Net borrowing $430MFY22: Shares issued $3.2MFY22: Capital spending −$24.8MFY22: Acquisitions −$6.9M$433MFY22FY23: Operating cash flow −$19.4MFY23: Net borrowing −$18.0MFY23: Shares issued $1.2MFY23: Capital spending −$1.4M$1.2MFY23FY24: Operating cash flow $15.2MFY24: Net borrowing −$39.0MFY24: Shares issued $81KFY24: Asset sales $253KFY24: Capital spending −$3.4MFY24: Acquisitions −$3.4M$15.6MFY24FY25: Operating cash flow −$11.7MFY25: Net borrowing −$389MFY25: Shares issued $338MFY25: Capital spending −$2.2M$338MFY25FY26: Operating cash flow $31.9MFY26: Net borrowing −$1.3MFY26: Capital spending −$4.3M$31.9MFY26
Over these 5 years operating cash flow totalled −$322M; the largest uses were net borrowing ($447M) and operating cash flow ($369M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$9.7M
Debt$386M
Net debt$376M
Due within a year$25.8M
Cash runway2 months

SelectQuote is burning cash: its operations consume cash, a free cash flow of −$71.4M a year at the current rate against $9.7M of cash and investments: a runway of about 2 months; $25.8M of debt also comes due within a year, which would need refinancing or new money before any new financing.

SelectQuote: debt maturities by year (FY26)SelectQuote: debt maturities by year (FY26)$25.8MYear 1$28.6MYear 2$48.1MYear 3$16.2MYear 4$268MYear 5
Principal due in each year as disclosed in the annual report, against $9.7M of cash and investments now.

Where the cash came from and went

SelectQuote: sources (+) and uses (−) of cash, Q1 FY27SelectQuote: sources (+) and uses (−) of cash, Q1 FY27Operating cash flow−$17.2MNet borrowing (+) / repaid (−)$14.7MCash drawn (+) / kept (−)$7.4MOther investing−$3.0MTaxes on employees’ shares−$1.1MCapital spending−$658KOther financing−$147K
SelectQuote: sources (+) and uses (−) of cash, TTM to Q1 FY27SelectQuote: sources (+) and uses (−) of cash, TTM to Q1 FY27Net borrowing (+) / repaid (−)−$308MOther financing$288MOperating cash flow$36.3MOther investing−$11.9MCapital spending−$3.9MCash drawn (+) / kept (−)$1.4MTaxes on employees’ shares−$1.2M

From profit to cash

SelectQuote: net income to operating cash flow, Q1 FY27SelectQuote: net income to operating cash flow, Q1 FY27Net income−$20.3MDepreciation & amortization$4.5MStock-based pay$2.7MDeferred taxes−$9.4MGains on disposals$100KReceivables$38.4MPayables−$10.9MAccrued liabilities$2.6MPrepaid and other assets$2.7MOperating cash flow−$17.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q1 FY27−$17.2M−$658K$14.7M—$7.4M−$17.8M
Q4 FY26−$3.3M−$1.2M−$6.5M—$14.6M−$4.5M
Q3 FY26$56.8M−$947K−$342M—−$12.9M$55.8M
Q2 FY26$52K−$1.1M$11.4M—−$7.6M−$1.0M
Q1 FY26−$21.6M−$1.1M$6.9M—$21.4M−$22.7M
Q4 FY25−$37.5M−$501K−$8.4M−$14K$49.2M−$38.0M
Q3 FY25$71.1M−$949K−$319M$74K−$72.6M$70.2M
Q2 FY25−$28.7M−$299K−$56.7M—−$3.2M−$29.0M

SelectQuote: income statement and cash flow

SelectQuote, Q1 FY27: revenue $280M (-15% year over year), operating margin -10.2%. The chart follows the revenue to costs, profit and cash.

SelectQuote: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.