(EVER) EverQuote - Overview
Sector: Communication Services | Industry: Internet Content & Information | Exchange: NASDAQ (USA) | Market Cap: 668m USD | Total Return: -16.8% in 12m
Avg Turnover: 13.4M
Qual. Beats: 0
Rev. Trend: 90.4%
Qual. Beats: 3
Warnings
Choppy Below Avwap Earnings
Tailwinds
Confidence
EverQuote, Inc. (EVER) operates a digital insurance marketplace in the United States, connecting consumers with carriers and agents for automotive, home, and renters insurance. The company utilizes data-driven campaign management tools to facilitate lead generation for insurance providers and indirect distributors. Originally founded as AdHarmonics, Inc. in 2008, the Cambridge-based firm transitioned to its current branding in 2014.
The business model relies on a referral-based framework where the company earns revenue by connecting high-intent shoppers to insurance providers, reducing customer acquisition costs for carriers. This sector focuses on the ongoing shift of insurance advertising budgets from traditional offline media to performance-based digital channels. Detailed performance metrics and historical valuation trends are available on ValueRay for further analysis.
- Auto insurance carrier marketing spend recovery drives core revenue growth
- Shift toward high-intent digital lead generation boosts marketplace efficiency
- Regulatory changes in state-level insurance pricing impact carrier advertising budgets
- Expansion into home and renters insurance diversifies revenue beyond automotive
- Variable marketing margin fluctuations determine overall corporate profitability and valuation
| Net Income: 110.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.31 > 0.02 and ΔFCF/TA -1.78 > 1.0 |
| NWC/Revenue: 24.45% < 20% (prev 19.79%; Δ 4.66% < -1%) |
| CFO/TA 0.31 > 3% & CFO 101.7m > Net Income 110.0m |
| Net Debt (-27.3m) to EBITDA (77.5m): -0.35 < 3 |
| Current Ratio: 3.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (36.9m) vs 12m ago -1.92% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 257.8% > 50% (prev 248.0%; Δ 9.75% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM) |
| A: 0.54 (Total Current Assets 257.1m - Total Current Liabilities 81.9m) / Total Assets 324.0m |
| B: -0.20 (Retained Earnings -63.2m / Total Assets 324.0m) |
| C: 0.27 (EBIT TTM 74.1m / Avg Total Assets 278.1m) |
| D: -0.76 (Book Value of Equity -63.1m / Total Liabilities 83.1m) |
| Altman-Z'' = 3.91 = AA |
As of May 30, 2026, the stock is trading at USD 19.24 with a total of 680,512 shares traded.
Over the past week, the price has changed by +3.27%,
over one month by +22.08%,
over three months by +21.77% and
over the past year by -16.78%.
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 | 25.8 | 34.3% |
P/E Trailing = 6.4437
P/E Forward = 8.3195
P/S = 0.9318
P/B = 2.7727
Revenue TTM = 716.7m USD
EBIT TTM = 74.1m USD
EBITDA TTM = 77.5m USD
Long Term Debt = 972k USD (estimated: total debt 2.25m - short term 1.28m)
Short Term Debt = 1.28m USD (from shortTermDebt, last quarter)
Debt = 2.25m USD (from shortLongTermDebtTotal, last quarter) (leases 2.25m already included)
Net Debt = -27.3m USD (calculated: Debt 2.25m - CCE 29.6m)
Enterprise Value = 640.5m USD (667.8m + Debt 2.25m - CCE 29.6m)
Interest Coverage Ratio = unknown (Ebit TTM 74.1m / Interest Expense TTM 0.0)
EV/FCF = 6.48x (Enterprise Value 640.5m / FCF TTM 98.8m)
FCF Yield = 15.43% (FCF TTM 98.8m / Enterprise Value 640.5m)
FCF Margin = 13.79% (FCF TTM 98.8m / Revenue TTM 716.7m)
Net Margin = 15.35% (Net Income TTM 110.0m / Revenue TTM 716.7m)
Gross Margin = unknown ((Revenue TTM 716.7m - Cost of Revenue TTM 18.3m) / Revenue TTM)
Tobins Q-Ratio = 1.98 (Enterprise Value 640.5m / Total Assets 324.0m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 2.25m)
Taxrate = 23.36% (5.69m / 24.4m)
NOPAT = 56.8m (EBIT 74.1m * (1 - 23.36%))
Current Ratio = 3.14 (Total Current Assets 257.1m / Total Current Liabilities 81.9m)
Debt / Equity = 0.01 (Debt 2.25m / totalStockholderEquity, last quarter 240.9m)
Debt / EBITDA = -0.35 (Net Debt -27.3m / EBITDA 77.5m)
Debt / FCF = -0.28 (Net Debt -27.3m / FCF TTM 98.8m)
Total Stockholder Equity = 206.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 39.56% (Net Income 110.0m / Total Assets 324.0m)
RoE = 40.86% (Net Income TTM 110.0m / Total Stockholder Equity 269.2m)
RoCE = 27.42% (EBIT 74.1m / Capital Employed (Equity 269.2m + L.T.Debt 972k))
RoIC = 26.56% (NOPAT 56.8m / Invested Capital 213.8m)
WACC = 8.35% (E(667.8m)/V(670.1m) * Re(8.38%) + D(2.25m)/V(670.1m) * Rd(0.0%) * (1-Tc(0.23)))
Discount Rate = 8.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 60.0 | Cagr: 3.82%
[DCF] Terminal Value 77.96% ; FCFF base≈89.3m ; Y1≈102.3m ; Y5≈150.6m
[DCF] Fair Price = 72.19 (EV 2.27b - Net Debt -27.3m = Equity 2.29b / Shares 31.8m; r=8.35% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.05 | # QB: 0
Revenue Correlation: 90.37 | Revenue CAGR: 43.82% | SUE: 1.55 | # QB: 3
EPS current Quarter (2026-06-30): EPS=0.67 | Chg30d=+12.93% | Revisions=+33% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.69 | Chg30d=-1.43% | Revisions=-33% | Analysts=3
EPS current Year (2026-12-31): EPS=2.69 | Chg30d=+3.19% | Revisions=+0% | GrowthEPS=-22.9% | GrowthRev=+15.2%
EPS next Year (2027-12-31): EPS=3.19 | Chg30d=+3.69% | Revisions=+33% | GrowthEPS=+18.3% | GrowthRev=+10.6%
[Analyst] Revisions Ratio: +33%