EverQuote (EVER) AI Stock Analysis

• Market Cap: $965.06M
• Dividend Yield: N/A
• Average Volume (3M): 393.93K
• Price to Earnings (P/E): 19.2
• 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: 367,073
• 30 Day Avg. Volume: 393,930
• 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: 0.75
• Enterprise Value/Revenue: 1.12
• Enterprise Value/Gross Profit: 1.15
• Enterprise Value/Ebitda: 11.00
• 1Y Price Target: $35.00
• Price Target Upside: 27.13% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): 1.47
• Revenue Forecast (FY): $674.12M

• Rating: 77 Outperform
• Price Target: $30.00 ▲(8.97% 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

Revenue Growth

The consistent revenue growth of 20% YoY indicates strong market demand and effective business strategies, enhancing long-term financial stability.

AI Integration

Integration of AI technology enhances operational efficiency and customer value, positioning EverQuote as a leader in insurance tech innovation.

Strong Financial Health

A low debt-to-equity ratio indicates robust financial health, providing EverQuote with flexibility to invest in growth opportunities without excessive leverage.

Negative Factors

Volatility in Revenue Growth

Past fluctuations in revenue growth can signal instability, potentially affecting long-term planning and investor confidence.

Pressure on VMM

Pressure on VMM could reduce profitability margins, impacting short-term financial performance and requiring careful management to sustain growth.

Temporary Cash Flow Impact

Working capital timing issues affecting cash flow can strain liquidity, necessitating improved cash management strategies to ensure operational stability.

EverQuote Business Overview & Revenue Model

Company Description

EverQuote (EVER) is a leading online marketplace for insurance, primarily focused on connecting consumers with insurance providers. The company operates in the insurance technology sector, offering a platform that facilitates the comparison of various insurance products, including auto, home, and health insurance. EverQuote’s core services include generating leads for insurance agents and carriers by providing consumer-driven insights and enabling users to obtain personalized insurance quotes from multiple insurers.

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 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: 27.53
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 27.53 is above the 20-day moving average (MA) of 26.91, above the 50-day MA of 24.15, and above the 200-day MA of 24.20, indicating a neutral trend. The MACD of 0.76 indicates Positive momentum. The RSI at 54.43 is Neutral, neither overbought nor oversold. The STOCH value of 28.01 is Neutral, 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
EVER	77 Outperform	$965.06M	19.24	36.81%	―	57.83%	293.63%
TBLA	72 Outperform	$1.12B	55.43	2.63%	―	10.96%	―
SSTK	64 Neutral	$663.88M	11.18	10.76%	7.22%	13.06%	66.19%
ANGI	62 Neutral	$551.90M	17.35	3.42%	―	-13.14%	17.25%
MAX	61 Neutral	$828.33M	-599.07	―	―	64.86%	-112.92%
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
NXDR	58 Neutral	$819.51M	-12.95	-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.