EVER Stock Analysis: EverQuote | NASDAQ
Internet Content & Information | NASDAQ, USA | Market Cap: 657m USD | 12M Return: -20.9% | US30041R1086 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 15.6M
Qual. Beats: 0
Rev. Trend: 95.3%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 8.2 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
EverQuote, Inc. operates an online insurance marketplace in the United States, connecting consumers shopping for automotive, home, and renters insurance with carriers, agents, and indirect distributors. The company also provides campaign management tools, supporting its customers digital advertising and lead acquisition efforts. Originally incorporated in 2008 as AdHarmonics, the company rebranded to EverQuote in November 2014 and is headquartered in Cambridge, Massachusetts.
As a digital marketplace operating within the InsurTech segment of the broader financial services industry, EverQuotes business model centers on aggregating consumer demand for insurance products and monetizing that demand through its carrier and agent customers. The company is classified under the Interactive Media & Services sub-industry, reflecting its platform-based approach to connecting buyers and sellers of insurance rather than underwriting risk itself.
- Auto insurance shopping volume recovery drives carrier lead demand
- Insurance carrier marketing budgets tighten amid rate cycle uncertainty
- Competition intensifies from direct-to-consumer insurers and lead aggregators
| Net Income: 114.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.28 > 0.02 and ΔFCF/TA -9.13 > 1.0 |
| NWC/Revenue: 25.73% < 20% (prev 22.80%; Δ 2.93% < -1%) |
| CFO/TA 0.30 > 3% & CFO 101.3m > Net Income 114.5m |
| Net Debt (-190.4m) to EBITDA (90.4m): -2.11 < 3 |
| Current Ratio: 3.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (36.5m) vs 12m ago -3.86% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 259.3% > 50% (prev 254.8%; Δ 4.48% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: 0.57 (Total Current Assets 277.7m - Total Current Liabilities 83.4m) / Total Assets 341.0m |
| B: -0.13 (Retained Earnings -44.0m / Total Assets 341.0m) |
| C: 0.30 (EBIT TTM 87.0m / Avg Total Assets 291.2m) |
| D: 3.05 (Book Value of Equity 256.8m / Total Liabilities 84.2m) |
| Altman-Z'' = 8.52 = AAA |
| DSRI: 1.13 (Receivables 76.0m/55.0m, Revenue 755.2m/615.2m) |
| GMI: 0.99 (GM 96.57% / 97.65%) |
| AQI: 1.70 (AQ_t 0.15 / AQ_t-1 0.09) |
| SGI: 1.23 (Revenue 755.2m / 615.2m) |
| TATA: 0.04 (NI 114.5m - CFO 101.3m) / TA 341.0m) |
| Beneish M = -2.35 (Cap -4..+1) = BBB |
As of September 29, 2026, the stock is trading at USD 18.59 with a total of 671,249 shares traded. Over the past week, the price has changed by -18.57%, over one month by -27.55%, over three months by -20.32% and over the past year by -20.93%.
Current recommended Stop Loss: 15.80 (which is 15% or 2.1 ATR below the current price).
EverQuote has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy EVER.
- StrongBuy: 4
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 29.5 | 58.7% |
P/E Trailing = 6.0717
P/E Forward = 7.2464
P/S = 0.8731
P/B = 2.4161
Revenue TTM = 755.2m USD
EBIT TTM = 87.0m USD
EBITDA TTM = 90.4m USD
Long Term Debt = 565k USD (estimated: total debt 1.94m - short term 1.38m)
Short Term Debt = 1.38m USD (from shortTermDebt, last quarter)
Debt = 1.94m USD (from shortLongTermDebtTotal, last quarter) (leases 1.94m already included)
Net Debt = -190.4m USD (calculated: Debt 1.94m - CCE 192.3m)
Enterprise Value = 466.5m USD (656.9m + Debt 1.94m - CCE 192.3m)
Interest Coverage Ratio = unknown (Ebit TTM 87.0m / Interest Expense TTM 0.0)
EV/FCF = 4.87x (Enterprise Value 466.5m / FCF TTM 95.8m)
FCF Yield = 20.53% (FCF TTM 95.8m / Enterprise Value 466.5m)
FCF Margin = 12.68% (FCF TTM 95.8m / Revenue TTM 755.2m)
Net Margin = 15.16% (Net Income TTM 114.5m / Revenue TTM 755.2m)
Gross Margin = unknown ((Revenue TTM 755.2m - Cost of Revenue TTM 17.8m) / Revenue TTM)
Tobins Q-Ratio = 1.37 (Enterprise Value 466.5m / Total Assets 341.0m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 1.94m)
Taxrate = 21.72% (5.32m / 24.5m)
NOPAT = 68.1m (EBIT 87.0m * (1 - 21.72%))
Current Ratio = 3.33 (Total Current Assets 277.7m / Total Current Liabilities 83.4m)
Debt / Equity = 0.01 (Debt 1.94m / totalStockholderEquity, last quarter 256.8m)
Debt / EBITDA = -2.11 (Net Debt -190.4m / EBITDA 90.4m)
Debt / FCF = -1.99 (Net Debt -190.4m / FCF TTM 95.8m)
Total Stockholder Equity = 227.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 39.31% (Net Income 114.5m / Total Assets 341.0m)
RoE = 50.29% (Net Income TTM 114.5m / Total Stockholder Equity 227.7m)
RoCE = 38.10% (EBIT 87.0m / Capital Employed (Equity 227.7m + L.T.Debt 565k))
RoIC = 30.77% (NOPAT 68.1m / Invested Capital 221.2m)
WACC = 7.32% (E(656.9m)/V(658.8m) * Re(7.34%) + D(1.94m)/V(658.8m) * Rd(0.0%) * (1-Tc(0.22)))
Discount Rate = 7.34% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 38.69 | Cagr: 1.16%
[DCF] Terminal Value 76.27% ; FCFF base≈93.4m ; Y1≈98.9m ; Y5≈116.5m
[DCF] Fair Price = 62.60 (EV 1.79b - Net Debt -190.4m = Equity 1.98b / Shares 31.7m; r=8.35% [WACC [floored]]; 5y FCF grow 6.59% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.25 | # QB: 0
Revenue Correlation: 95.29 | Revenue CAGR: 50.28% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.66 | Chg30d=-1.99% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=2.60 | Chg30d=+0.00% | Revisions=-40% | GrowthEPS=-25.6% | GrowthRev=+15.7%
EPS next Year (2027-12-31): EPS=3.08 | Chg30d=+0.06% | Revisions=-40% | GrowthEPS=+18.3% | GrowthRev=+10.2%
[Analyst] Revisions Ratio: -67% (up=0, down=6)