EVER Stock Risk & Deep Value Analysis
EverQuote Inc
Communication Services • Internet Content & Information
DVR Score
out of 10
What You Need to Know About EVER Stock
We analyzed EverQuote Inc using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran EVER through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Our risk assessment: Moderate. Here's what we found.
EVER Risk Analysis & Red Flags
What Could Go Wrong
The auto insurance advertising market recovery could stall or reverse more severely than anticipated, leading to prolonged revenue deceleration below management's Q1 guidance. This would make it difficult for EverQuote to regain growth momentum, potentially suppressing its valuation multiple and delaying or preventing its 10x growth potential.
Risk Matrix
Overall
Moderate
Financial
Low
Market
Medium
Competitive
Medium
Execution
Medium
Regulatory
Low
Red Flags
- ⚠
Q1 2026 revenue guidance ($175-185M) is below prior analyst consensus ($194M).
- ⚠
Significant insider selling ($1.24M-$1.34M) over the last 90 days, including a CTO sale at $25.05.
- ⚠
Analyst price target reductions by major firms (JPMorgan, Needham) post-Q4 earnings despite the beat.
Upcoming Risk Events
- 📅
Q1 2026 earnings miss or weak Q2 guidance
- 📅
Further tightening of insurance carrier ad budgets
- 📅
Increased competitive pressure from new entrants or large tech firms
When to Reconsider
- 🚪
Exit if quarterly revenue growth turns negative or falls significantly below current guidance without clear mitigating factors.
- 🚪
Sell if the company announces a capital raise that causes significant dilution without clear, high-ROI use of funds.
- 🚪
Exit if key insider selling accelerates further or if the CEO/CFO begin significant sales.
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What Does EverQuote Inc (EVER) Do?
Market Cap
$589.00M
Sector
Communication Services
Industry
Internet Content & Information
Employees
324
EverQuote, Inc. operates an online marketplace for insurance shopping in the United States. The company offers automotive, and home and renters insurance, as well as campaign management tools. The company serves insurance carriers and agents, and indirect distributors. The company was formerly known as AdHarmonics, Inc., and changed its name to EverQuote, Inc. in November 2014. EverQuote, Inc. was incorporated in 2008 and is based in Cambridge, Massachusetts.
Visit EverQuote Inc WebsiteInvestment Thesis
EverQuote is a financially robust, AI-driven leader positioned to capture significant share in the digital transformation of the insurance sector. Despite recent near-term guidance challenges and insider selling, its strong balance sheet, profitability, and low valuation offer compelling risk-reward for investors willing to look past short-term volatility for a potential 10x return as the auto insurance market normalizes and the company executes on its long-term strategic vision.
Is EVER Stock Undervalued?
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EVER Price Targets & Strategy
12-Month Target
$25.00
Bull Case
$35.00
Bear Case
$12.00
Valuation Basis
10x forward P/E applied to estimated $2.50 FY26 EPS = $25.00
Entry Strategy
Dollar-cost average between $15.00-$16.50, building a position on any dips towards recent support levels around $14.50.
Exit Strategy
Take initial profits at $25-$28, with a stop-loss order placed if the stock consistently trades below $13.50.
Portfolio Allocation
7-10% for aggressive risk tolerance, 3-5% for moderate.
Price Targets & Strategy
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Is EVER Financially Healthy?
Valuation
P/E Ratio
6.25
Forward P/E
13.89
EV/EBITDA
10.67
PEG Ratio
1.89
Price/Book
3.62
Price/Sales
0.97
Profitability
Gross Margin
96.57%
Operating Margin
8.79%
Net Margin
14.30%
Return on Equity
57.65%
Revenue Growth
32.30%
EPS
$2.75
Balance Sheet
Current Ratio
3.50
Quick Ratio
3.40
Cash & Equivalents
$171.00M
Cash Flow
Operating Cash Flow
$92.35M
Free Cash Flow
$87.27M
EBITDA
$56.20M
Other
Beta (Volatility)
0.54
Does EVER Have a Competitive Moat?
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🛡️ Narrow
Moat Trend
Expanding
Moat Sources
3 Identified
EverQuote's robust data and AI-driven platform creates a virtuous cycle (network effect) by attracting more consumers, which in turn attracts more carriers, making it increasingly difficult for new entrants to compete. The proprietary data acts as an intangible asset, strengthening this moat over time, though it is vulnerable to shifts in carrier spending.
Moat Erosion Risks
- •Prolonged or severe tightening of insurance carrier advertising budgets.
- •Emergence of superior AI-powered platforms from larger tech companies or direct-to-consumer insurance models.
- •Data privacy regulations impacting data collection and usage.
EVER Competitive Moat Analysis
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EVER Market Intelligence
Sentiment & Insider Activity
Social Sentiment
Neutral to Cautiously Bullish; mixed reactions to Q4 beat vs. Q1 guidance.
Institutional Sentiment
Mixed; recent analyst upgrades countered by significant price target reductions from key investment banks.
Insider Activity (Form 4)
CAO Jon Ayotte sold 1,730 shares at $15.56 on Feb 24-25, 2026, and was granted RSUs. CTO David Brainard sold 5,709 shares at $25.05 in Jan 2026. Total insider sales over last 3 months amounted to $1.24M-$1.34M.
Options Flow
Normal options activity; no unusual or significant put/call ratio shifts flagged.
Earnings Intelligence
Next Earnings
Estimated late April/early May 2026 (Q1 2026)
Surprise Probability
Medium
Historical Earnings Pattern
Q4 earnings beat drove initial upgrades, but subsequent Q1 guidance miss led to analyst target cuts and stock price decline. Market reacts strongly to forward guidance.
Key Metrics to Watch
Competitive Position
Top Competitor
Not explicitly named in research; likely other online insurance lead generators or marketplaces
Market Share Trend
Stable; implied strong position in auto insurance, but no specific data on recent shifts.
Valuation vs Peers
Trading at a significant discount based on its trailing P/E of 5.90, assuming sustained profitability and growth potential.
Competitive Advantages
- •Proprietary AI-driven platform and data ecosystem
- •Strong network effects with consumers and insurance carriers
- •Established position in the large auto insurance lead generation market
Market Intelligence
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What Could Drive EVER Stock Higher?
Near-Term (0-6 months)
- •Q1 2026 Earnings report (estimated late April/early May 2026)
- •Potential re-acceleration of auto insurance carrier ad spending
Medium-Term (6-18 months)
- •Expansion into new insurance verticals or product lines
- •Strategic partnerships to broaden marketplace reach
- •Increased adoption of AI tools by insurance carriers
Long-Term (18+ months)
- •Sustained market leadership in digital insurance comparison
- •Strong network effects driving exponential user and carrier growth
- •Disruption of traditional insurance distribution models
Catalysts & Growth Drivers
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What's the Bull Case for EVER?
- ✓
Re-acceleration of quarter-over-quarter revenue growth and improving forward guidance.
- ✓
Expansion of gross and operating margins.
- ✓
Positive shift in insider buying trends or reduced insider selling.
Bull Case Analysis
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Competing with EVER
See how EverQuote Inc compares to related companies
| Company | Market Cap | DVR Score | P/E | Revenue | Profit Margin | Rev Growth | |
|---|---|---|---|---|---|---|---|
EverQuote Inc EVER | $589.0M | 7.7 | 6.3 | $692.5M | 14.3% | 32.3% | |
Comcast Corp CMCSA | $106.0B | 0.4 | 5.3 | $124.0B | 16.2% | -0.0% | Compare → |
Walt Disney Co DIS | $171.2B | 2.7 | 14.0 | $91.4B | 6.3% | 10.0% | Compare → |
Alphabet Inc GOOGL | $4.7T | 1.0 | 29.1 | $402.8B | 37.9% | 17.4% | Compare → |
Meta Platforms Inc META | — | 5.1 | 15.7 | — | 30.1% | 22.2% | Compare → |
Netflix Inc NFLX | $388.5B | 0.7 | 29.1 | $46.9B | 28.5% | 16.7% | Compare → |
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FAQ
What is the DVR Score for EverQuote Inc (EVER)?
As of March 25, 2026, EverQuote Inc has a DVR Score of 7.7 out of 10, placing it in the "Solid Pick" category. This score is generated by our AI-powered deep value analysis framework that evaluates growth potential, financial health, competitive moat, and risk factors.
What is the market capitalization of EverQuote Inc?
EverQuote Inc's market capitalization is approximately $589.0M. The company operates in the Communication Services sector within the Internet Content & Information industry.
What ticker symbol does EverQuote Inc use?
EVER is the ticker symbol for EverQuote Inc. The company trades on the NGM.
What is the risk level for EVER stock?
Our analysis rates EverQuote Inc's overall risk as Moderate. This assessment considers execution risk, market risk, financial risk, competitive risk, and regulatory risk. For a full breakdown, see the risk analysis section above.
What is the P/E ratio of EVER?
EverQuote Inc currently has a price-to-earnings (P/E) ratio of 6.3. This is below the market average, which could indicate the stock is undervalued or facing headwinds.
Is EverQuote Inc's revenue growing?
EverQuote Inc has reported revenue growth of 32.3%. The company is showing strong top-line momentum.
Is EVER stock profitable?
EverQuote Inc has a profit margin of 14.3%. The company is profitable but margins are modest.
How often is the EVER DVR analysis updated?
Our AI-powered analysis of EverQuote Inc is refreshed regularly to incorporate the latest financial data, market conditions, and news. The most recent update was on March 25, 2026.
Important Disclaimer – Not Financial Advice
Deep Value Reports is an independent research platform for educational and informational purposes only. We are not financial advisors, investment advisors, or licensed professionals. The analysis, scores, and information provided on this page for EVER (EverQuote Inc) should not be construed as personalized investment advice, a recommendation to buy or sell any security, or an offer to provide investment advisory services.
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Always conduct your own research, consider your financial situation, and consult with a qualified financial advisor before making any investment decisions.