Operates an online marketplace for insurance shopping. Connects consumers with insurance carriers and agents. Now — the numbers.
This is an established company with proven profits.
Average growth of 13% a year over the last 4 years. Red columns mark years that ended in a loss.
If every debt were paid off today, $92.8M would still be left in the vault — a solid cushion for hard times.
The market pays 8.5× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 87% of them.
Analysts' average target sits 17% above today's price.
The stock trades 19% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 13% a year on average.
There is $95.4M in the vault; even if every debt were paid off, $92.8M would remain.
It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.
Over the last 12 months, executives reported 91 sells against just 18 buys. Not an alarm bell by itself, but a number worth watching.
The share set aside for the future is small; the pace of new ideas may slow.
No clear buy-side message is coming from the executive floor.
On our five-subject report card, EVER sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: EVER is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
Not covered, because the filings we hold do not carry it: the revenue breakdown.