EverQuote (EVER) AI Stock Analysis

• Market Cap: $816.20M
• Dividend Yield: N/A
• Average Volume (3M): 365.71K
• Price to Earnings (P/E): 15.9
• Beta (1Y): 1.05
• 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: 473,869
• 30 Day Avg. Volume: 365,711
• 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: 0.84
• Enterprise Value/Revenue: 1.06
• Enterprise Value/Gross Profit: 1.10
• Enterprise Value/Ebitda: 10.48
• 1Y Price Target: $35.00
• Price Target Upside: 54.05% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $26.00 ▲(14.44% Upside)

EverQuote's strong financial performance and positive earnings call sentiment are the most significant factors driving the score. Technical indicators support a bullish outlook, while valuation remains reasonable. The company's strategic investments and record-breaking results further enhance its growth potential.

Positive Factors

Gross Profit Margin

A 96.57% gross margin reflects strong unit economics for EverQuote's lead‑generation platform, with minimal direct costs per transaction. That high inherent margin provides durable earnings leverage as revenue scales and supports reinvestment in AI and traffic channels over the next several quarters.

Low Financial Leverage

Extremely low leverage gives EverQuote financial flexibility to fund growth initiatives, absorb marketing variability, and pursue buybacks without raising external debt. This conservative capital structure materially reduces financing risk and supports stable operations over a 2–6 month horizon.

Record Growth & AI Adoption

Record top‑ and bottom‑line performance alongside AI investments indicates strong product‑market fit and improving monetization. Durable demand and better ad efficiency from AI can sustain higher margins and scalable growth as the company optimizes traffic channels over the medium term.

Negative Factors

Revenue & Cashflow Volatility

Past volatility in revenue and cash flow complicates planning and increases execution risk. For a performance marketing marketplace, inconsistent lead volume or conversion rates can materially affect quarterly earnings and cash generation, making near‑term operational forecasting and capital allocation less reliable.

Margin Pressure from Scaling

Management expects margin compression as it scales new traffic channels, raising Variable Marketing Dollars and compressing Variable Marketing Margin. Building new channels typically requires sustained spend before breakeven, which can depress adjusted EBITDA and unit economics across multiple quarters.

Free Cash Flow & Working Capital

A modest decline in free cash flow growth and historical FCF fluctuations reduce the predictability of cash available for reinvestment or buybacks. Working capital timing and conversion variability can constrain strategic flexibility and pressure cash‑driven initiatives in the coming months.

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 marketing model. The company earns money by selling leads to insurance providers, who pay for each qualified lead generated through the EverQuote platform. This model allows insurers to access a targeted audience of potential customers actively seeking insurance quotes. Additionally, EverQuote has established partnerships with various insurance companies, enabling it to expand its service offerings and enhance its lead generation capabilities. The company may also explore other revenue streams through potential expansion into related financial services or by leveraging data analytics to provide additional insights to partners.

EverQuote Financial Statement Overview

Summary

EverQuote shows solid financial performance with strong profitability and cash flow metrics. The company has improved its financial health significantly, but historical volatility in revenue and cash flow growth poses 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: Negative
• Last Price: 22.72
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EVER, the sentiment is Negative. The current price of 22.72 is below the 20-day moving average (MA) of 24.74, below the 50-day MA of 25.81, and below the 200-day MA of 24.15, indicating a bearish trend. The MACD of -0.83 indicates Positive momentum. The RSI at 29.88 is Positive, neither overbought nor oversold. The STOCH value of 9.95 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EVER.

EverQuote Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EVER	77 Outperform	$816.20M	15.86	36.81%	―	57.83%	293.63%
SSTK	76 Outperform	$705.08M	11.84	10.76%	7.14%	13.06%	66.19%
TBLA	72 Outperform	$1.15B	55.02	2.63%	―	10.96%	―
ANGI	62 Neutral	$560.09M	17.61	3.42%	―	-13.14%	17.25%
MAX	61 Neutral	$666.71M	-473.61	―	―	64.86%	-112.92%
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
NXDR	58 Neutral	$768.53M	-12.08	-14.07%	―	6.65%	50.32%

EverQuote Corporate Events

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.