EverQuote, Inc. (EVER) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

EverQuote, Inc. (EVER) Media & Communications Profile

EverQuote, Inc. is a leading online marketplace for insurance shopping in the U.S., connecting consumers with a network of insurance providers. The company's platform allows users to compare quotes across multiple insurance types, streamlining the insurance selection process and offering value to both consumers and insurance carriers.

What Is the Investment Thesis for EVER?

EverQuote, Inc. presents a notable research candidate within the online insurance marketplace. With a P/E ratio of 5.7 and a profit margin of 15.3%, the company demonstrates strong profitability. The company's high gross margin of 97.5% indicates efficient operations. Growth catalysts include expanding into new insurance verticals and increasing user engagement through enhanced platform features. Potential risks include increasing competition from established players and fluctuations in advertising costs. Investors should monitor key metrics such as revenue growth, customer acquisition costs, and conversion rates to assess the company's long-term potential.

Based on FMP financials and quantitative analysis

EVER Key Highlights

• Market Cap of $974M reflects investor valuation of EverQuote's growth potential in the online insurance marketplace.
• P/E ratio of 5.7 suggests the company is undervalued compared to its earnings.
• Profit Margin of 15.3% indicates efficient operations and profitability in the competitive insurance market.
• Gross Margin of 97.5% demonstrates the company's ability to maintain high profitability on its core services.
• Beta of 0.61 suggests lower volatility compared to the overall market, potentially offering a more stable investment.

Who Are EVER's Competitors?

EVER is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are EVER's Key Strengths?

• Established online marketplace for insurance shopping.
• Strong brand recognition.
• Proprietary technology platform.
• Large network of insurance carriers and agents.

What Are EVER's Weaknesses?

• Dependence on advertising revenue.
• Competition from established players.
• Fluctuations in insurance pricing.
• Potential for regulatory changes.

What Could Drive EVER Stock Higher?

• Expansion into new insurance verticals, such as pet insurance and travel insurance.
• Increasing user engagement through personalized recommendations and enhanced platform features.
• Strategic partnerships with insurance carriers to offer exclusive deals and discounts.
• Development and launch of a user-friendly mobile app.

What Are the Key Risks for EVER?

• Increasing competition from established players and new entrants.
• Fluctuations in advertising costs.
• Changes in consumer behavior and preferences.
• Economic downturn impacting insurance spending.
• Cybersecurity risks and data breaches.

What Are the Growth Opportunities for EVER?

• Expansion into New Insurance Verticals: EverQuote can expand its marketplace to include additional insurance products such as pet insurance, travel insurance, and small business insurance. The market for these niche insurance products is growing, presenting a significant opportunity for EverQuote to diversify its revenue streams and attract new customers. The timeline for this expansion is estimated at 1-2 years, with a potential market size of $5 billion.
• Enhancing User Engagement through Personalized Recommendations: By leveraging data analytics and machine learning, EverQuote can provide personalized insurance recommendations to users based on their individual needs and preferences. This can increase user engagement, improve conversion rates, and drive revenue growth. The timeline for implementing personalized recommendations is estimated at 6-12 months, with a potential impact of a 10-15% increase in conversion rates.
• Strategic Partnerships with Insurance Carriers: EverQuote can forge strategic partnerships with insurance carriers to offer exclusive deals and discounts to its users. This can attract more customers to the platform and strengthen EverQuote's relationships with its carrier partners. The timeline for establishing strategic partnerships is estimated at 12-18 months, with a potential impact of a 5-10% increase in customer acquisition.
• Mobile App Development: Developing a user-friendly mobile app can significantly enhance user accessibility and convenience. A mobile app would allow users to easily compare insurance quotes, manage their policies, and access customer support on the go. The timeline for developing and launching a mobile app is estimated at 9-15 months, with a potential impact of a 20-25% increase in mobile traffic and conversions.
• Geographic Expansion: EverQuote can expand its operations to new geographic markets, both domestically and internationally. This can significantly increase its addressable market and drive revenue growth. The timeline for geographic expansion is estimated at 2-3 years, with a potential market size of $10 billion in new markets.

What Opportunities Does EVER Have?

• Expansion into new insurance verticals.
• Geographic expansion.
• Strategic partnerships with insurance carriers.
• Development of new technology solutions.

What Threats Does EVER Face?

• Increasing competition.
• Changes in consumer behavior.
• Economic downturn.
• Cybersecurity risks.

What Are EVER's Competitive Advantages?

• Network effect: The more consumers and insurance providers use the platform, the more valuable it becomes.
• Data advantage: Accumulates valuable data on consumer preferences and insurance pricing.
• Brand recognition: Established brand in the online insurance marketplace.

What Does EVER Do?

EverQuote, Inc., founded in 2008 and based in Cambridge, Massachusetts, operates an online marketplace for insurance shopping in the United States. Originally named AdHarmonics, Inc., the company rebranded to EverQuote, Inc. in November 2014 to better reflect its focus on providing insurance quotes. The company's platform allows consumers to compare quotes for various insurance products, including auto, home and renters, life, and health insurance. EverQuote serves both insurance carriers and agents, as well as indirect distributors, providing them with access to a broad pool of potential customers. By leveraging technology and data analytics, EverQuote aims to simplify the insurance shopping process for consumers while providing valuable leads and marketing solutions for insurance providers. The company's marketplace model has positioned it as a key player in the evolving landscape of online insurance distribution.

What Products and Services Does EVER Offer?

• Operates an online marketplace for insurance shopping.
• Connects consumers with insurance carriers and agents.
• Provides a platform for comparing quotes for auto, home, renters, life, and health insurance.
• Serves carriers and agents, as well as indirect distributors.
• Simplifies the insurance shopping process for consumers.
• Offers valuable leads and marketing solutions for insurance providers.

How Does EVER Make Money?

• Generates revenue by charging insurance carriers and agents for leads.
• Operates on a cost-per-lead (CPL) basis.
• Provides a platform for insurance providers to reach a broad pool of potential customers.

What Industry Does EVER Operate In?

EverQuote operates in the rapidly evolving online insurance marketplace. The industry is characterized by increasing consumer adoption of online channels for insurance shopping and a growing demand for price transparency and convenience. Competition is intense, with established insurance carriers, aggregators, and technology companies vying for market share. EverQuote's focus on providing a comprehensive marketplace and leveraging data analytics positions it to capitalize on these trends and compete effectively in this dynamic environment.

Who Are EVER's Key Customers?

• Consumers shopping for insurance.
• Insurance carriers.
• Insurance agents.
• Indirect distributors.

How EverQuote, Inc. Is Valued

EverQuote, Inc. carries a market capitalization of $974M, placing it in the small-cap category. Relative to its peer group, EVER's quantitative score of 97/100 is above the peer average of 72/100.

ROE 53%Key Financial Metrics

Return on equity for EverQuote, Inc. stands at 53.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 34.0%, showing how much profit it generates from its asset base. EVER trades at a trailing price-to-earnings ratio of 5.67, below the Communication Services sector average of ~18x. Its free cash flow yield is 11.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 3.14 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 12.9%, the inverse of the P/E and a quick read on earnings relative to price.

F-Score 5/9Financial Health

EverQuote, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 10.06 places it in the safe zone, indicating low near-term bankruptcy risk.

FY2026 estForward Outlook

Wall Street analysts project EverQuote, Inc. revenue of about $797.9M for fiscal 2026, with EPS near $2.10. The estimate reflects 6 contributing analysts.

EVER Financials

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EVER MoonshotScore

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Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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