(EVER) EverQuote - Overview
Stock: Automotive Insurance, Home Insurance, Renters Insurance, Campaign Tools
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 77.7% |
| Relative Tail Risk | -14.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.14 |
| Alpha | -35.79 |
| Character TTM | |
|---|---|
| Beta | 1.183 |
| Beta Downside | 1.518 |
| Drawdowns 3y | |
|---|---|
| Max DD | 68.34% |
| CAGR/Max DD | 0.08 |
Description: EVER EverQuote January 21, 2026
EverQuote, Inc. (NASDAQ: EVER) runs a U.S.-focused online marketplace that matches consumers seeking auto, home, and renters insurance with carriers, agents, and indirect distributors. The platform also provides campaign-management tools that let insurers target and acquire leads at scale.
Key operational metrics (FY 2023) show the company generated roughly **$145 million in revenue**, with a **gross profit margin near 70 %**, but it posted a **net loss of about $44 million**, reflecting ongoing investment in customer acquisition and technology. EverQuote reports processing **over 15 million insurance quotes annually**, indicating strong traffic generation despite a relatively high churn rate typical for lead-generation businesses.
From a macro perspective, the **auto-insurance market in the United States is expanding at ~3 % YoY**, driven by vehicle fleet growth and regulatory pressure for higher coverage standards. At the same time, **interest-rate-sensitive consumer spending** can compress discretionary budgets for ancillary products like renters insurance, creating a mixed outlook for EverQuote’s addressable market.
Within the broader **Interactive Media & Services** sub-industry, EverQuote competes with other insurtech platforms (e.g., The Zebra, Gabi) that are capitalizing on the shift toward digital distribution; the sector’s **average customer acquisition cost (CAC) has been trending downward** as data-driven targeting improves, a dynamic that could benefit EverQuote if it can sustain its lead-quality advantage.
**If you’re evaluating EverQuote’s valuation, a deeper dive into its adjusted EBITDA trends and CAC efficiency on ValueRay could surface hidden upside or risk.**
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 53.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.34 > 0.02 and ΔFCF/TA 10.58 > 1.0 |
| NWC/Revenue: 22.41% < 20% (prev 19.57%; Δ 2.84% < -1%) |
| CFO/TA 0.35 > 3% & CFO 88.5m > Net Income 53.9m |
| Net Debt (-142.9m) to EBITDA (65.4m): -2.18 < 3 |
| Current Ratio: 2.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.7m) vs 12m ago 1.39% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 295.3% > 50% (prev 226.2%; Δ 69.08% > 0%) |
| Interest Coverage Ratio: 10.24 > 6 (EBITDA TTM 65.4m / Interest Expense TTM 5.95m) |
Altman Z'' 1.99
| A: 0.56 (Total Current Assets 224.0m - Total Current Liabilities 79.5m) / Total Assets 256.1m |
| B: -0.55 (Retained Earnings -139.6m / Total Assets 256.1m) |
| C: 0.28 (EBIT TTM 60.9m / Avg Total Assets 218.3m) |
| D: -1.72 (Book Value of Equity -139.5m / Total Liabilities 81.1m) |
| Altman-Z'' Score: 1.99 = BBB |
Beneish M -3.19
| DSRI: 0.84 (Receivables 68.2m/51.6m, Revenue 644.7m/408.4m) |
| GMI: 0.98 (GM 96.84% / 94.98%) |
| AQI: 0.51 (AQ_t 0.09 / AQ_t-1 0.17) |
| SGI: 1.58 (Revenue 644.7m / 408.4m) |
| TATA: -0.14 (NI 53.9m - CFO 88.5m) / TA 256.1m) |
| Beneish M-Score: -3.19 (Cap -4..+1) = AA |
What is the price of EVER shares?
Over the past week, the price has changed by -20.31%, over one month by -27.55%, over three months by -27.03% and over the past year by -17.66%.
Is EVER a buy, sell or hold?
- StrongBuy: 4
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the EVER price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 34.2 | 89.1% |
| Analysts Target Price | 34.2 | 89.1% |
| ValueRay Target Price | 18.2 | 0.6% |
EVER Fundamental Data Overview February 03, 2026
P/E Forward = 11.5875
P/S = 1.2857
P/B = 4.6658
Revenue TTM = 644.7m USD
EBIT TTM = 60.9m USD
EBITDA TTM = 65.4m USD
Long Term Debt = 2.87m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 1.24m USD (from shortTermDebt, last quarter)
Debt = 2.87m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -142.9m USD (from netDebt column, last quarter)
Enterprise Value = 685.9m USD (828.8m + Debt 2.87m - CCE 145.8m)
Interest Coverage Ratio = 10.24 (Ebit TTM 60.9m / Interest Expense TTM 5.95m)
EV/FCF = 7.96x (Enterprise Value 685.9m / FCF TTM 86.2m)
FCF Yield = 12.57% (FCF TTM 86.2m / Enterprise Value 685.9m)
FCF Margin = 13.37% (FCF TTM 86.2m / Revenue TTM 644.7m)
Net Margin = 8.36% (Net Income TTM 53.9m / Revenue TTM 644.7m)
Gross Margin = unknown ((Revenue TTM 644.7m - Cost of Revenue TTM 20.4m) / Revenue TTM)
Tobins Q-Ratio = 2.68 (Enterprise Value 685.9m / Total Assets 256.1m)
Interest Expense / Debt = 14.45% (Interest Expense 414.0k / Debt 2.87m)
Taxrate = 5.41% (1.84m / 34.0m)
NOPAT = 57.6m (EBIT 60.9m * (1 - 5.41%))
Current Ratio = 2.82 (Total Current Assets 224.0m / Total Current Liabilities 79.5m)
Debt / Equity = 0.02 (Debt 2.87m / totalStockholderEquity, last quarter 174.9m)
Debt / EBITDA = -2.18 (Net Debt -142.9m / EBITDA 65.4m)
Debt / FCF = -1.66 (Net Debt -142.9m / FCF TTM 86.2m)
Total Stockholder Equity = 157.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 24.67% (Net Income 53.9m / Total Assets 256.1m)
RoE = 34.19% (Net Income TTM 53.9m / Total Stockholder Equity 157.5m)
RoCE = 38.00% (EBIT 60.9m / Capital Employed (Equity 157.5m + L.T.Debt 2.87m))
RoIC = 36.60% (NOPAT 57.6m / Invested Capital 157.5m)
WACC = 10.28% (E(828.8m)/V(831.7m) * Re(10.27%) + D(2.87m)/V(831.7m) * Rd(14.45%) * (1-Tc(0.05)))
Discount Rate = 10.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 5.42%
[DCF Debug] Terminal Value 60.69% ; FCFF base≈68.4m ; Y1≈44.9m ; Y5≈20.5m
Fair Price DCF = 13.33 (EV 288.4m - Net Debt -142.9m = Equity 431.3m / Shares 32.4m; r=10.28% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 67.03 | EPS CAGR: 6.59% | SUE: -2.02 | # QB: 0
Revenue Correlation: 47.72 | Revenue CAGR: 15.28% | SUE: 1.36 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.66 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=2.50 | Chg30d=+0.017 | Revisions Net=+2 | Growth EPS=+6.7% | Growth Revenue=+14.6%