EverQuote Inc Class A (EVER)
🔔 Watch stock
EverQuote is quiet on Reddit: 3 mentions in 24 hours (as of July 15, 2026) — yet the online marketplace for auto insurance referrals lights up 9 filters of our in-house stock scanner: a P/E around 8, a Piotroski score of 8 of 9, no debt. We read the annual reports (10-K) for 2024 and 2025 and the quarterly report (10-Q) as of March 31, 2026: revenue jumped 38.5 percent to $692.5 million in 2025, a $51.3 million loss (2023) became $99.3 million in net income — but a single carrier stood for 40 percent of revenue in the first quarter of 2026, and per the filings these customers may cut their spend to zero at any time, without notice. Not investment advice — just the arithmetic of what a discount is worth when one customer writes 40 percent of the checks.
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This stock currently matches 8 of our scanner strategies — each hit links to the scanner.
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Quality & Screener
AI Rating
Uses AIEverQuote betreibt einen Online-Marktplatz für Versicherungs-Kundenkontakte und setzt KI/Machine Learning laut 10-K/10-Q durchgängig operativ ein — die proprietären Datenbestände und ML-Algorithmen steuern Werbeeinkauf, Verbraucher-Akquise und das Matching mit Versicherern; im 10-Q vermarktet sich die Firma als „AI-powered growth solutions partner“ mit „AI traffic engine“. Umsatzquelle bleiben jedoch die verkauften Kundenkontakte (Referrals), keine KI-Produkte oder -Dienste als solche; die Risk Factors behandeln KI als Einsatz- und Wettbewerbsrisiko, nicht als konkrete Bedrohung des Geschäftsmodells.
View the full file — quotes, sources, reviewed filings
„Our proprietary data assets and machine learning algorithms efficiently attract consumers, match them with relevant insurance providers and drive our overall business model. We utilize our data assets and machine learning capabilities throughout our business, from advertising and consumer acquisition to the innovation of new consumer and provider experiences, as well as to guide our strategic direction."
Unsere proprietären Datenbestände und Machine-Learning-Algorithmen ziehen effizient Verbraucher an, ordnen sie passenden Versicherungsanbietern zu und treiben unser gesamtes Geschäftsmodell an. Wir nutzen unsere Datenbestände und Machine-Learning-Fähigkeiten im gesamten Unternehmen — von der Werbung und Verbraucher-Akquise über die Entwicklung neuer Verbraucher- und Anbieter-Erlebnisse bis hin zur Ausrichtung unserer strategischen Richtung.
„We are a leading AI-powered growth solutions partner for regulated property and casualty insurance entities, enabling the largest insurance carriers and thousands of agents to maximize customer acquisition across digital channels. Fueled by our proprietary data assets and our AI traffic engine, EverQuote is transforming the way providers attract and engage consumers to grow market share."
Wir sind ein führender KI-gestützter Wachstumslösungs-Partner für regulierte Schaden- und Unfallversicherer und ermöglichen es den größten Versicherungskonzernen und Tausenden von Agenturen, ihre Kundengewinnung über digitale Kanäle zu maximieren. Angetrieben von unseren proprietären Datenbeständen und unserer KI-Traffic-Engine verändert EverQuote die Art und Weise, wie Anbieter Verbraucher gewinnen und ansprechen, um Marktanteile auszubauen.
„We currently use AI and machine learning in our business, and may incorporate additional AI and machine learning solutions into our platform, product offerings, services and features, and these applications may become important in our operations over time. Our competitors or other third parties may incorporate AI into their products more quickly or more successfully than we do, which could impair our ability to compete effectively and adversely affect our results of operations."
Wir setzen derzeit KI und Machine Learning in unserem Geschäft ein und könnten zusätzliche KI- und Machine-Learning-Lösungen in unsere Plattform, Produktangebote, Dienste und Funktionen integrieren; diese Anwendungen könnten im Laufe der Zeit für unseren Betrieb wichtig werden. Unsere Wettbewerber oder andere Dritte könnten KI schneller oder erfolgreicher in ihre Produkte integrieren als wir, was unsere Wettbewerbsfähigkeit beeinträchtigen und unsere Ertragslage negativ beeinflussen könnte.
Filings Reviewed: 10-Q 2026-05-05 · 10-Q 2025-11-04 · 10-Q 2025-08-05 · 10-Q 2025-05-07 · 10-K 2026-02-24 · 10-K 2025-02-25
Rated on July 15, 2026 · How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.33 | – | 148 | 164.70 | 8.30 | 20 | 19 |
| 2025: Q1 | 0.21 | 296.10 | 167 | 83.00 | 4.80 | 23 | 22 |
| 2025: Q2 | 0.39 | 121.70 | 157 | 33.70 | 9.40 | 25 | 26 |
| 2025: Q3 | 0.50 | 61.00 | 174 | 20.30 | 10.80 | 20 | 19 |
| 2025: Q4 | 1.53 | 360.60 | 195 | 32.50 | 29.60 | 27 | 26 |
| 2026: Q1 | 0.51 | 138.30 | 191 | 14.50 | 9.80 | 30 | 28 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Assessment: Opportunities & Risks
From a $51.3 million loss (2023) to $99.3 million in net income (2025) and $94.6 million in adjusted EBITDA; Q1 2026 more than doubled to $18.7 million. The asset-light model (356 employees, minimal capital expenditures) converts profit into cash almost one-to-one (annual and quarterly reports, 10-K/10-Q).
One customer stood for 40 percent of revenue in Q1 2026, the two largest for 38 plus 11 percent in 2025; per the annual report the contracts provide for neither minimum spend nor notice period. That is the central risk of this stock — and the explanation of the valuation discount.
91 percent of revenue hangs on the auto vertical, whose ad budgets are cyclical: in 2023, revenue fell 28.8 percent and the loss doubled; the 2024/2025 recovery came per the filing "primarily from our three largest customers". The variable marketing margin fell from 34.8 (2023) to 27.7 percent (2025) before recovering to 29.3 percent in Q1 2026.
$178.5 million in cash, no bank debt, an untouched credit line, Piotroski 8 of 9, Altman Z around 10.8; a $50 million buyback program ($19.9 million deployed in Q1 2026). Footnote: $21.0 million of the program went into an August 2025 block purchase from the chairman's vehicle — disclosed, at a 1.8 percent discount (10-Q reports 2025/2026; score data as of July 8, 2026).
A P/E around 8, a PEG below 1, an enterprise value around six times 2025 net income — against a relative-strength rating of 35, a stage-3 downtrend, minus 23.1 percent year to date, 20 insider sales without a single purchase and a "controlled company" structure with roughly 57 percent of the votes in the founder camp (data as of July 8, 2026).
EverQuote is the rare combination of a rock-bottom valuation and a thoroughly healthy balance sheet: a P/E around 8, Piotroski 8 of 9, $178.5 million in cash without bank debt, plus an audited turnaround. But the discount has a name: a single insurance carrier paid 40 percent of revenue in Q1 2026, may cut its budget at any time without notice — and in 2023 the industry did exactly that, upon which revenue collapsed 28.8 percent. Whoever invests here buys an excellently run market hall in which one merchant rents 40 percent of the stalls. Not investment advice.
- EVER did not reach our research list through hype: the Reddit hype scanner counted just 3 mentions in 24 hours (ApeWisdom, as of July 15, 2026) — instead, 9 filters of our in-house stock scanner fired (data as of July 8, 2026); both snapshots rotate daily.
- Scanner metrics (P/E, P/CF, P/FCF, PEG, Piotroski, Altman Z, ROE) are computed from trailing twelve-month figures — they reflect the top of the advertising cycle and would tip only with a lag if the carriers' budgets turned.
- Price and valuation figures are dated to July 8, 2026 (about $21.70, market value roughly $763 million); analyses are evergreen, daily prices are not a buy argument.
About the Company
EverQuote, Inc. betreibt einen Online-Marktplatz für den Versicherungseinkauf in den USA.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 356 |
| Headquarters | Cambridge, MA |
| Website | everquote.com |
| IPO Date | 28. Jun 2018 |
| Next Earnings | 3. Aug 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David Bransford Blundin | Co-Founder & Chairman | 1967 |
| Jayme Mendal | President, CEO & Director | 1986 |
| Joseph Sanborn | CFO, Chief Administrative Officer, Treasurer & Secretary | 1970 |
| Jon Ayotte | Chief Accounting Officer | 1985 |
| David Brainard | Chief Technology Officer | 1973 |
| Eugene Suzuki | Chief Information Officer | 1975 |
| Tom Ellis | Executive Vice President of Growth Strategy | – |
| Hunter Ingram | Chief Commercial Officer | – |
| Jesse Wolf | Chief Product Officer | – |
| Eric Terada | Chief Growth Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.