📊 EVER Key Takeaways
Is EVER a Good Investment? Thesis Analysis
EverQuote demonstrates exceptional financial health with strong revenue growth of 38.5% YoY, exceptional profitability (14.3% net margin, 41.7% ROE), and robust free cash flow generation ($90.3M FCF, 13% FCF margin). The company maintains fortress-like balance sheet strength with minimal leverage (0.03x debt/equity), substantial cash reserves ($171.4M), and excellent liquidity (2.94x current ratio), positioning it well for continued investment and potential strategic opportunities.
Why Buy EVER? Key Strengths
- Strong revenue growth at 38.5% YoY demonstrates robust market demand and business expansion
- Exceptional profitability metrics with 14.3% net margin and 41.7% ROE indicating highly efficient capital deployment
- Outstanding free cash flow generation ($90.3M, 13% FCF margin) provides substantial capital flexibility
- Fortress balance sheet with minimal debt (0.03x D/E), $171.4M cash reserves, and exceptional liquidity (2.94x)
- Significant insider trading activity (20 Form 4 filings in 90 days) suggests executive confidence
- Exceptional interest coverage (293.1x) and operational efficiency (8.4% operating margin)
EVER Investment Risks to Consider
- Net income flat YoY despite 38.5% revenue growth suggests margin pressure or operational headwinds requiring investigation
- Missing gross margin data limits visibility into core business unit economics and pricing power
- High insider activity concentration could indicate concentrated selling or liquidity management needs
- Revenue growth deceleration risk if market saturation or competitive pressures emerge in core business segments
Key Metrics to Watch
- Operating margin trend - monitor for further compression despite revenue growth
- Gross margin disclosure and trend analysis
- Free cash flow conversion rate and sustainability of 13% FCF margin
- Customer acquisition cost trends and lifetime value dynamics
- Insider transaction patterns and timing relative to earnings releases
EVER Financial Metrics
💡 AI Analyst Insight
Strong liquidity with a 2.94x current ratio provides a solid financial cushion.
EVER Profitability Ratios
EVER vs Technology Sector
How EverQuote, Inc. compares to Technology sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is EVER Overvalued or Undervalued?
Based on fundamental analysis, EverQuote, Inc. appears fundamentally strong relative to the Technology sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
EVER Balance Sheet & Liquidity
EVER 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: EverQuote, Inc.'s revenue has grown significantly by 65% over the 5-year period, indicating strong business expansion. The most recent EPS of $-1.54 indicates the company is currently unprofitable.
EVER Growth Metrics (YoY)
EVER Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $144.5M | $1.9M | $0.31 |
| Q2 2025 | $117.1M | $1.9M | $0.17 |
| Q1 2025 | $91.1M | $1.9M | $0.05 |
| Q3 2024 | $55.0M | $1.9M | $0.31 |
| Q2 2024 | $68.0M | $1.9M | $0.17 |
| Q1 2024 | $91.1M | $1.9M | $0.05 |
| Q3 2023 | $55.0M | -$2.5M | $-0.20 |
| Q2 2023 | $68.0M | -$2.5M | $-0.12 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
EVER Capital Allocation
EVER SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for EverQuote, Inc. (CIK: 0001640428)
📋 Recent SEC Filings
❓ Frequently Asked Questions about EVER
What is the AI rating for EVER?
EverQuote, Inc. (EVER) has an AI rating of STRONG BUY with 87% confidence, based on fundamental analysis of SEC EDGAR filings.
What are EVER's key strengths?
Claude: Strong revenue growth at 38.5% YoY demonstrates robust market demand and business expansion. Exceptional profitability metrics with 14.3% net margin and 41.7% ROE indicating highly efficient capital deployment.
What are the risks of investing in EVER?
Claude: Net income flat YoY despite 38.5% revenue growth suggests margin pressure or operational headwinds requiring investigation. Missing gross margin data limits visibility into core business unit economics and pricing power.
What is EVER's revenue and growth?
EverQuote, Inc. reported revenue of $692.5M.
Does EVER pay dividends?
EverQuote, Inc. does not currently pay dividends.
Where can I find EVER SEC filings?
Official SEC filings for EverQuote, Inc. (CIK: 0001640428) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is EVER's EPS?
EverQuote, Inc. has a diluted EPS of $2.63.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is EVER a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, EverQuote, Inc. has a STRONG BUY rating with 87% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is EVER stock overvalued or undervalued?
Valuation metrics for EVER: ROE of 41.7% (sector avg: 22%), net margin of 14.3% (sector avg: 18%). Higher ROE suggests strong returns relative to peers.
Should I buy EVER stock in 2026?
Our dual AI analysis gives EverQuote, Inc. a combined STRONG BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is EVER's free cash flow?
EverQuote, Inc.'s operating cash flow is $95.4M, with capital expenditures of $5.1M. FCF margin is 13.0%.
How does EVER compare to other Technology stocks?
Vs Technology sector averages: Net margin 14.3% (avg: 18%), ROE 41.7% (avg: 22%), current ratio 2.94 (avg: 2.5).