EverQuote (EVER) AI Stock Analysis

• Market Cap: $898.54M
• Dividend Yield: N/A
• Average Volume (3M): 522.77K
• Price to Earnings (P/E): 17.3
• Beta (1Y): 1.20
• Revenue Growth: 57.83%
• EPS Growth: 293.63%
• Country: US
• Employees: 324
• Sector: Communication Services
• Sector Strength: 97
• Industry: Internet Content & Information
• EPS (TTM): 0.50
• Shares Outstanding: 32,351,643
• 10 Day Avg. Volume: 704,038
• 30 Day Avg. Volume: 522,772
• PEG Ratio: -0.14
• Price to Book (P/B): 5.17
• Price to Sales (P/S): 1.40
• P/FCF Ratio: 11.21
• Enterprise Value/Market Cap: 0.80
• Enterprise Value/Revenue: 1.12
• Enterprise Value/Gross Profit: 1.15
• Enterprise Value/Ebitda: 11.00
• 1Y Price Target: $33.20
• Price Target Upside: 30.55% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): 1.32
• Revenue Forecast (FY): $648.59M

• Rating: 73 Outperform
• Price Target: $27.00 ▲(6.17% Upside)

EverQuote's strong financial performance and positive earnings call are the primary drivers of its stock score. The company's strategic investments and record-breaking growth metrics are significant strengths. However, technical indicators suggest caution due to mixed momentum signals and potential short-term pressures on cash flow.

Positive Factors

Revenue Growth

Strong growth in core verticals like auto insurance indicates robust demand and effective market penetration, supporting long-term revenue expansion.

AI and Technology Investments

Investments in AI-driven products enhance operational efficiency and customer value, positioning EverQuote for sustained competitive advantage.

Financial Stability

A low debt-to-equity ratio ensures financial flexibility and reduces risk, allowing for strategic investments and resilience against market fluctuations.

Negative Factors

Volatility in Revenue Growth

Historical revenue volatility suggests potential instability, which could impact investor confidence and future growth predictability.

Pressure on Margins

Margin pressure from strategic investments may reduce profitability in the short term, affecting cash flow and financial performance.

Cash Flow Concerns

Issues with cash conversion can strain liquidity and limit the company's ability to fund operations and growth initiatives effectively.

EverQuote Business Overview & Revenue Model

Company Description

EverQuote, Inc. operates an online marketplace for insurance shopping in the United States. The company's online marketplace offers consumers shopping for auto, home and renters, life, and health insurance. It serves carriers and agents, as well as indirect distributors. The company was formerly known as AdHarmonics, Inc., and changed its name to EverQuote, Inc. in November 2014. EverQuote, Inc. was incorporated in 2008 and is based in Cambridge, Massachusetts.

How the Company Makes Money

EverQuote generates revenue primarily through a performance-based model, where it earns money by providing leads to insurance carriers and agents. The company collects consumer information through its online platform, which is then sold to insurers as potential customer leads. Additionally, EverQuote may earn revenue through partnerships with insurance companies, where it receives a fee for each lead that results in a sale or policy issuance. The company's focus on optimizing lead generation and enhancing its technology infrastructure also plays a critical role in driving its earnings, as it seeks to improve conversion rates and customer satisfaction.

EverQuote Financial Statement Overview

Summary

EverQuote shows strong financial performance with a high gross profit margin and improved net profit margin. The low debt-to-equity ratio and strong return on equity indicate financial stability. However, historical volatility in revenue and cash flow growth presents potential risks.

Income Statement

EverQuote has demonstrated strong revenue growth with a 4.78% increase in TTM, supported by a high gross profit margin of 96.57%. The net profit margin improved to 7.57%, indicating enhanced profitability. However, past volatility in revenue growth and negative margins in previous years highlight potential risks.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.0186, reflecting strong financial stability. Return on equity has improved significantly to 32.51%, showcasing effective use of equity. However, the equity ratio is not explicitly provided, which limits a full assessment of asset financing.

Cash Flow

Operating cash flow to net income ratio is strong at 1.33, indicating efficient cash generation relative to earnings. Despite a slight decline in free cash flow growth, the free cash flow to net income ratio remains robust at 0.97, suggesting healthy cash flow management. Historical fluctuations in cash flow growth present some concerns.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	644.66M	500.19M	287.92M	404.13M	418.51M	346.94M
Gross Profit	624.30M	479.27M	265.47M	380.15M	394.57M	325.56M
EBITDA	65.45M	37.42M	-22.36M	-23.07M	-15.79M	-6.07M
Net Income	53.86M	32.17M	-51.29M	-24.42M	-19.43M	-11.20M
Balance Sheet
Total Assets	256.05M	210.53M	110.92M	156.52M	143.61M	129.05M
Cash, Cash Equivalents and Short-Term Investments	145.77M	102.12M	37.96M	30.84M	34.85M	42.87M
Total Debt	2.87M	3.63M	2.16M	6.44M	8.23M	10.69M
Total Liabilities	81.12M	75.16M	30.02M	49.03M	58.48M	58.07M
Stockholders Equity	174.93M	135.37M	80.91M	107.49M	85.13M	70.98M
Cash Flow
Free Cash Flow	86.20M	62.45M	-6.67M	-20.08M	4.33M	6.85M
Operating Cash Flow	88.50M	66.57M	-2.83M	-15.79M	7.19M	10.67M
Investing Cash Flow	-4.90M	-4.11M	9.35M	-4.29M	-18.82M	-18.75M
Financing Cash Flow	-20.67M	1.71M	577.00K	15.84M	3.62M	4.91M

EverQuote Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 25.43
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EVER, the sentiment is Positive. The current price of 25.43 is above the 20-day moving average (MA) of 21.18, above the 50-day MA of 22.51, and above the 200-day MA of 23.63, indicating a bullish trend. The MACD of 0.64 indicates Negative momentum. The RSI at 71.94 is Negative, neither overbought nor oversold. The STOCH value of 87.12 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EVER.

EverQuote Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SSTK	74 Outperform	$769.79M	12.03	10.76%	5.87%	13.06%	66.19%
EVER	73 Outperform	$898.54M	17.32	36.81%	―	57.83%	293.63%
TBLA	71 Outperform	$1.10B	51.86	2.63%	―	10.96%	―
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
MAX	59 Neutral	$879.82M	―	―	―	64.86%	-112.92%
ANGI	58 Neutral	$511.33M	15.40	3.42%	―	-13.14%	17.25%
NXDR	51 Neutral	$654.97M	―	-14.07%	―	6.65%	50.32%

EverQuote Corporate Events

EverQuote’s Record Q3 2025 Earnings Call Highlights

The recent earnings call for EverQuote painted a largely positive picture, highlighting record-breaking performance metrics and strategic investments in AI and new traffic channels. Despite these achievements, there were some concerns about short-term pressures on Variable Marketing Margin (VMM) and cash flow due to these investments.

EverQuote Reports Strong Q3 2025 Financial Growth

EverQuote, Inc. is a leading online insurance marketplace that connects consumers with insurance providers, focusing primarily on the property and casualty insurance sector. The company is known for its innovative use of AI and technology to enhance its marketplace offerings.

EverQuote Reports Strong Q3 2025 Financial Results

On November 3, 2025, EverQuote announced its financial results for the third quarter of 2025, highlighting a 20% year-over-year revenue growth to $173.9 million and a 63% increase in net income to $18.9 million. The company achieved record financial performance by integrating AI into its operations, which contributed to a 33% rise in adjusted EBITDA. EverQuote also executed a $21 million share buyback program, reinforcing its confidence in sustainable growth and maintaining a strong balance sheet.

The most recent analyst rating on (EVER) stock is a Hold with a $21.50 price target. To see the full list of analyst forecasts on EverQuote stock, see the EVER Stock Forecast page.

EverQuote’s Earnings Call: Strong Growth Amid Challenges

The recent earnings call from EverQuote highlighted a robust financial performance, marked by significant revenue growth and record financial metrics. The company showcased strategic advancements in AI, though it also faced challenges such as carrier budget adjustments and competitive pressures. Despite these hurdles, the overall sentiment was positive, with achievements outweighing the challenges.

EverQuote Reports Strong Q2 2025 Financial Results

EverQuote, Inc. is a prominent online insurance marketplace that connects consumers with insurance providers, focusing on property and casualty insurance. The company leverages its proprietary data and technology platform to enhance the insurance shopping experience.