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EverQuote
(NASDAQ:EVER)
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Rating:80Outperform
Price Target:
$27.00
▲(7.83% Upside)
Action:Reiterated
Date:08/05/26
EVER scores well on fundamentals and valuation: strong profitability/cash flow improvement, minimal leverage, and a low P/E (~8.3) provide the biggest support. Earnings-call commentary reinforces momentum and capital return, though guidance signals a near-term growth deceleration and higher investment spend. Technicals are a modest drag due to weaker short-term trend below the 20-day average, despite a constructive longer-term setup.
Positive Factors
Sustained Profitability
EverQuote’s recent shift to consistent profitability with very high gross margins indicates a durable business model where incremental revenue largely contributes to operating leverage. Sustained mid-teens net margins and positive EBIT support cash generation, reinvestment capacity, and resilience through market cycles over coming quarters.
Negative Factors
Near-Term Growth Moderation
Management’s guidance implying a material deceleration from recent quarterly growth suggests harder comparables or market saturation in core channels. If sustained, slower top-line growth compresses operating leverage and extends the timeframe to reach the $1B revenue target, affecting strategic planning for the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
EverQuote’s recent shift to consistent profitability with very high gross margins indicates a durable business model where incremental revenue largely contributes to operating leverage. Sustained mid-teens net margins and positive EBIT support cash generation, reinvestment capacity, and resilience through market cycles over coming quarters.
Read all positive factors
EverQuote Key Performance Indicators (KPIs)
Any
Revenue by Segment
Breaks down where EverQuote makes money—such as lead sales to insurers, subscription or platform services, and any advertising or agency revenue—revealing which businesses drive growth and profit. A rising share of higher‑margin or recurring segments points to better earnings quality and sustainability, while concentration in low‑margin lead sales increases sensitivity to pricing pressure and demand cycles.
Breaks down where EverQuote makes money—such as lead sales to insurers, subscription or platform services, and any advertising or agency revenue—revealing which businesses drive growth and profit. A rising share of higher‑margin or recurring segments points to better earnings quality and sustainability, while concentration in low‑margin lead sales increases sensitivity to pricing pressure and demand cycles.
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The Fly
The FlyEverQuote (EVER) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$860.55M
Dividend YieldN/A
Average Volume (3M)686.94K
Price to Earnings (P/E)7.4
Beta (1Y)1.19
Revenue Growth22.75%
EPS Growth144.55%
CountryUS
Employees356
SectorCommunication Services
Sector Strength97
IndustryInternet Content & Information
Share Statistics
EPS (TTM)3.18
Shares Outstanding31,682,104
10 Day Avg. Volume674,181
30 Day Avg. Volume686,938
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)4.10
Price to Sales (P/S)1.41
P/FCF Ratio10.80
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$29.60Price Target Upside18.21% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)2.01
Revenue Forecast (FY)$801.42M
EverQuote Business Overview & Revenue Model
Company Description
EverQuote, Inc. operates an online digital platform designed for insurance shoppers across the United States. Through its marketplace, individuals can compare and acquire policies for various needs, including automotive, home, renters, life, and h...
How the Company Makes Money
EverQuote primarily makes money by selling insurance-shopping leads and referrals generated through its online marketplace and marketing channels. When a consumer submits information indicating intent to shop for insurance (e.g., auto insurance), ...
EverQuote Earnings Call Summary
Earnings Call Date:Aug 03, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 09, 2026
Earnings Call Sentiment Positive
The call communicated strong operational momentum and robust financial results (notably double-digit revenue and high-teens to mid-30s percent EBITDA expansion), meaningful AI-driven product adoption and internal efficiency gains, and a healthy balance sheet with active capital return. Headwinds are limited to planned H2 operating expense investments for AI/product development, a lack of near-term revenue contribution from those new initiatives, and guidance that implies moderate deceleration in growth rates in the next quarter. Overall, positives substantially outweighed the manageable near-term investments and guidance moderation.Positive Updates
Record Revenue and EBITDA Growth
Total revenue grew 25% year-over-year to $195.1 million in Q2 2026; adjusted EBITDA rose 37% YoY to a record $30.1 million, representing a 15.4% adjusted EBITDA margin. GAAP net income increased to $19.2 million from $14.7 million (≈+30.6%). Operating cash flow was $24.3 million.
Negative Updates
Guidance Shows Near-Term Growth Moderation
Despite strong Q2 results, Q3 guidance implies deceleration vs. Q2: revenue growth at the midpoint of guidance is ~17% YoY (vs Q2's 25%), VMD growth guidance midpoint ~15% YoY (vs Q2's 25%), and adjusted EBITDA guidance midpoint ~18% YoY (vs Q2's 37%).
Read all updates
Q2-2026 Updates
Positive
Negative
Record Revenue and EBITDA Growth
Total revenue grew 25% year-over-year to $195.1 million in Q2 2026; adjusted EBITDA rose 37% YoY to a record $30.1 million, representing a 15.4% adjusted EBITDA margin. GAAP net income increased to $19.2 million from $14.7 million (≈+30.6%). Operating cash flow was $24.3 million.
Read all positive updates
Company Guidance
For Q3 2026 EverQuote guided revenue of $198M–$208M (midpoint ~$203M, ~17% y/y at midpoint), variable marketing dollars (VMD) of $56M–$59M (midpoint ~$57.5M, ~15% y/y) and adjusted EBITDA of $28M–$31M (midpoint ~$29.5M, ~18% y/y); this guidance follows Q2 results of $195.1M revenue (+25% y/y), $30.1M adjusted EBITDA (+37% y/y; 15.4% margin), VMD $56.9M (+25% y/y) and VMM 29.2%, with Q2 auto revenue $172.1M (+23% y/y) and home revenue $23M (+35% y/y), GAAP net income $19.2M, operating cash flow $24.3M, cash operating expenses $26.8M, cash and equivalents $192M, no debt, and Q2 share repurchases of 578k shares (~$9M; $50M/2.5M shares repurchased to date); management reiterated a path to $1B in annual revenue in roughly 15–27 months, expects ~100 bps of EBITDA margin expansion this year, and said OpEx will step up ~ $1–1.25M in Q3 (and ~+$0.5M in Q4) to fund AI and product investments.EverQuote Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
80
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 755.20M | 692.52M | 500.19M | 287.92M | 404.13M | 418.51M |
| Gross Profit | 737.42M | 673.15M | 479.27M | 265.47M | 380.15M | 394.57M |
| EBITDA | 90.39M | 65.63M | 39.68M | -22.36M | -23.07M | -15.79M |
| Net Income | 114.48M | 99.31M | 32.17M | -51.29M | -24.42M | -19.43M |
Balance Sheet | ||||||
| Total Assets | 341.01M | 326.91M | 210.53M | 110.92M | 156.52M | 143.61M |
| Cash, Cash Equivalents and Short-Term Investments | 192.32M | 95.38M | 102.12M | 37.96M | 30.84M | 34.85M |
| Total Debt | 1.94M | 2.57M | 3.63M | 2.16M | 6.44M | 8.23M |
| Total Liabilities | 84.23M | 88.87M | 75.16M | 30.02M | 49.03M | 58.48M |
| Stockholders Equity | 256.78M | 238.04M | 135.37M | 80.91M | 107.49M | 85.13M |
Cash Flow | ||||||
| Free Cash Flow | 95.78M | 90.32M | 62.45M | -6.67M | -20.08M | 4.33M |
| Operating Cash Flow | 101.32M | 95.38M | 66.57M | -2.83M | -15.79M | 7.19M |
| Investing Cash Flow | -5.57M | -5.06M | -4.11M | 9.35M | -4.29M | -18.82M |
| Financing Cash Flow | -51.62M | -21.06M | 1.71M | 577.00K | 15.84M | 3.62M |
EverQuote Technical Analysis
Neutral
25.04
Price Trends
23.72
Negative
20.47
Positive
21.29
Positive
Market Momentum
0.04
Positive
44.11
Neutral
45.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EVER, the sentiment is Neutral. The current price of 25.04 is above the 20-day moving average (MA) of 25.04, above the 50-day MA of 23.72, and above the 200-day MA of 21.29, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 44.11 is Neutral, neither overbought nor oversold. The STOCH value of 45.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EVER.
EverQuote Risk Analysis
EverQuote disclosed 33 risk factors in its most recent earnings report. EverQuote reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
EverQuote Peers Comparison
UnderperformOutperform
Sector (60)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $860.55M | 7.44 | 50.29% | ― | 22.75% | 144.55% | |
69 Neutral | $1.09B | 9.42 | 12.80% | ― | 8.00% | 991.05% | |
68 Neutral | $806.85M | 7.25 | 8214.45% | ― | 13.84% | ― | |
66 Neutral | $998.07M | -32.06 | -7.27% | ― | 9.79% | 53.33% | |
60 Neutral | $48.67B | 4.58 | -11.27% | 4.14% | 2.83% | -41.78% | |
52 Neutral | $191.43M | -0.81 | -25.18% | ― | -8.83% | -554.39% | |
49 Neutral | $210.23M | -0.96 | -39.81% | 24.73% | -10.81% | -409.24% |
* Communication Services Sector Average
EVER
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EverQuote Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
EverQuote Reports Strong Q2 Results and Outlook
Positive
Aug 3, 2026
On August 3, 2026, EverQuote reported strong second-quarter results for the period ended June 30, 2026, posting a 25% year-over-year revenue increase to $195.1 million and GAAP net income of $19.2 million. The company’s automotive vertical g...
Executive/Board ChangesShareholder Meetings
EverQuote Shareholders Approve Governance Changes and Auditor
Neutral
Jun 5, 2026
At its recent annual meeting, EverQuote’s stockholders re-elected directors David Blundin, Sanju Bansal, Paul Deninger, Jayme Mendal, George Neble, John Shields and Mira Wilczek to the board, each to serve until the 2027 annual meeting or un...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.