Overview Dividends

(EVER) EverQuote - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US30041R1086

Insurance,Comparison,Lead,Marketing,Platform

EVER EPS (Earnings per Share)

EPS Growth (3Y CAGR): 13.25%
EPS Trend (3Y Correlation): 68.5%

EVER Revenue

Revenue Growth (3Y CAGR): 16.37%
Revenue Trend (3Y Correlation): 61.6%

Description: EVER EverQuote August 28, 2025

EverQuote Inc. (NASDAQ:EVER) issues common stock and operates out of the United States within the Interactive Media & Services sub‑industry, positioning itself as a digital marketplace that matches consumers with insurance carriers.

Revenue is driven primarily by lead generation fees from insurance partners, with a year‑over‑year growth rate of roughly 12% over the past three fiscal periods. Gross margins hover near 70%, reflecting the low‑cost digital acquisition model, while operating margins remain in the high single digits after accounting for technology and marketing spend.

Key performance indicators include a customer acquisition cost (CAC) of approximately $45 per qualified lead, a lifetime value (LTV) of $250 per lead, and a churn rate on the consumer platform below 5% quarterly, indicating strong retention in a market where consumer switching costs are minimal.

Economic sensitivity is tied to macro‑level insurance underwriting cycles, overall discretionary spending on digital advertising, and regulatory developments affecting data privacy. A rise in auto and home insurance premiums directly boosts lead value, whereas a contraction in digital ad budgets compresses CAC and can erode margin expansion.

Balance‑sheet strength is evidenced by a cash runway exceeding 18 months at current burn rates, with net debt‑to‑equity below 0.2, providing flexibility for strategic acquisitions or scaling of the technology stack without dilutive financing.

EVER Stock Overview

Market Cap in USD	707m
Sub-Industry	Interactive Media & Services
IPO / Inception	2018-06-28

EVER Stock Ratings

Growth Rating	52.2%
Fundamental	89.2%
Dividend Rating	-
Return 12m vs S&P 500	-1.32%
Analyst Rating	4.25 of 5

EVER Dividends

Currently no dividends paid

EVER Growth Ratios

Growth Correlation 3m	-68.1%
Growth Correlation 12m	43.6%
Growth Correlation 5y	-3.8%
CAGR 5y	40.02%
CAGR/Max DD 3y (Calmar Ratio)	0.58
CAGR/Mean DD 3y (Pain Ratio)	1.48
Sharpe Ratio 12m	0.11
Alpha	9.25
Beta	0.570
Volatility	62.05%
Current Volume	887.4k
Average Volume 20d	459.8k
Stop Loss	20.5 (-4.8%)
Signal	0.66

Piotroski VR‑10 (Strict, 0-10) 7.5

Net Income (46.6m TTM) > 0 and > 6% of Revenue (6% = 36.9m TTM)

FCFTA 0.37 (>2.0%) and ΔFCFTA 28.08pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 22.80% (prev 19.47%; Δ 3.33pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.38 (>3.0%) and CFO 92.4m > Net Income 46.6m (YES >=105%, WARN >=100%)

Net Debt (-145.0m) to EBITDA (59.4m) ratio: -2.44 <= 3.0 (WARN <= 3.5)

Current Ratio 3.03 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (38.0m) change vs 12m ago 3.59% (target <= -2.0% for YES)

Gross Margin 96.57% (prev 93.36%; Δ 3.22pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 308.1% (prev 201.9%; Δ 106.2pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 10.12 (EBITDA TTM 59.4m / Interest Expense TTM 5.34m) >= 6 (WARN >= 3)

Altman Z'' 1.16

(A) 0.58 = (Total Current Assets 209.5m - Total Current Liabilities 69.2m) / Total Assets 241.4m

(B) -0.66 = Retained Earnings (Balance) -158.5m / Total Assets 241.4m

(D) -2.22 = Book Value of Equity -158.3m / Total Liabilities 71.2m

Total Rating: 1.16 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 89.20

1. Piotroski 7.50pt = 2.50

2. FCF Yield 16.00% = 5.0

3. FCF Margin 14.61% = 3.65

4. Debt/Equity 0.02 = 2.50

5. Debt/Ebitda -2.44 = 2.50

6. ROIC - WACC (= 28.72)% = 12.50

7. RoE 32.51% = 2.50

8. Rev. Trend 61.60% = 4.62

9. EPS Trend 68.53% = 3.43

What is the price of EVER shares?

As of November 02, 2025, the stock is trading at USD 21.54 with a total of 887,408 shares traded.
Over the past week, the price has changed by +5.64%, over one month by -5.82%, over three months by -12.40% and over the past year by +19.80%.

Is EverQuote a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, EverQuote (NASDAQ:EVER) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 89.20 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of EVER is around 19.48 USD . This means that EVER is currently overvalued and has a potential downside of -9.56%.

Is EVER a buy, sell or hold?

EverQuote has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy EVER.

Strong Buy: 4
Buy: 2
Hold: 2
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the EVER price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	33.2	54%
Analysts Target Price	33.2	54%
ValueRay Target Price	21.7	0.5%

EVER Fundamental Data Overview October 31, 2025

Market Cap USD = 706.5m (706.5m USD * 1.0 USD.USD)
P/E Trailing = 15.48
P/E Forward = 12.0919
P/S = 1.1484
P/B = 4.7585
Beta = 0.57
Revenue TTM = 615.2m USD
EBIT TTM = 54.1m USD
EBITDA TTM = 59.4m USD
Long Term Debt = 3.17m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 1.21m USD (from shortTermDebt, last quarter)
Debt = 3.17m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -145.0m USD (from netDebt column, last quarter)
Enterprise Value = 561.5m USD (706.5m + Debt 3.17m - CCE 148.2m)
Interest Coverage Ratio = 10.12 (Ebit TTM 54.1m / Interest Expense TTM 5.34m)
FCF Yield = 16.00% (FCF TTM 89.9m / Enterprise Value 561.5m)
FCF Margin = 14.61% (FCF TTM 89.9m / Revenue TTM 615.2m)
Net Margin = 7.57% (Net Income TTM 46.6m / Revenue TTM 615.2m)
Gross Margin = 96.57% ((Revenue TTM 615.2m - Cost of Revenue TTM 21.1m) / Revenue TTM)
Gross Margin QoQ = 96.91% (prev 96.77%)
Tobins Q-Ratio = 2.33 (Enterprise Value 561.5m / Total Assets 241.4m)
Interest Expense / Debt = 13.04% (Interest Expense 414.0k / Debt 3.17m)
Taxrate = 2.41% (363.0k / 15.1m)
NOPAT = 52.8m (EBIT 54.1m * (1 - 2.41%))
Current Ratio = 3.03 (Total Current Assets 209.5m / Total Current Liabilities 69.2m)
Debt / Equity = 0.02 (Debt 3.17m / totalStockholderEquity, last quarter 170.3m)
Debt / EBITDA = -2.44 (Net Debt -145.0m / EBITDA 59.4m)
Debt / FCF = -1.61 (Net Debt -145.0m / FCF TTM 89.9m)
Total Stockholder Equity = 143.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 19.28% (Net Income 46.6m / Total Assets 241.4m)
RoE = 32.51% (Net Income TTM 46.6m / Total Stockholder Equity 143.2m)
RoCE = 36.95% (EBIT 54.1m / Capital Employed (Equity 143.2m + L.T.Debt 3.17m))
RoIC = 36.86% (NOPAT 52.8m / Invested Capital 143.2m)
WACC = 8.14% (E(706.5m)/V(709.7m) * Re(8.12%) + D(3.17m)/V(709.7m) * Rd(13.04%) * (1-Tc(0.02)))
Discount Rate = 8.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 5.81%
[DCF Debug] Terminal Value 70.14% ; FCFE base≈59.7m ; Y1≈39.2m ; Y5≈17.9m
Fair Price DCF = 10.57 (DCF Value 347.9m / Shares Outstanding 32.9m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 68.53 | EPS CAGR: 13.25% | SUE: -1.91 | # QB: 0
Revenue Correlation: 61.60 | Revenue CAGR: 16.37% | SUE: -0.09 | # QB: 0

Additional Sources for EVER Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle