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EverQuote, Inc. (EVER) 10-Year Financial Performance & Capital Metrics

EVER • • Industrial / General
Communication ServicesInternet ServicesSpecialized Digital ServicesInsurance & Financial Services
AboutEverQuote, Inc. operates an online marketplace for insurance shopping in the United States. The company's online marketplace offers consumers shopping for auto, home and renters, life, and health insurance. It serves carriers and agents, as well as 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.Show more
  • Revenue $500M +73.7%
  • EBITDA $37M +181.7%
  • Net Income $32M +162.7%
  • EPS (Diluted) 0.88 +157.1%
  • Gross Margin 95.82% +3.9%
  • EBITDA Margin 7.48% +147.1%
  • Operating Margin 6.35% +135.2%
  • Net Margin 6.43% +136.1%
  • ROE 29.75% +154.6%
  • ROIC 58.09% +195.5%
  • Debt/Equity 0.03 +0.4%
  • Interest Coverage -
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 7/9
  • ✓High quality earnings: Operating CF exceeds net income
  • ✓Strong 5Y sales CAGR of 15.0%
  • ✓Efficient asset utilization: 2.4x turnover

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y14.99%
3Y6.12%
TTM57.83%

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM298.53%

EPS CAGR

10Y-
5Y-
3Y-
TTM320.59%

ROCE

10Y Avg-23.75%
5Y Avg-18.18%
3Y Avg-16.34%
Latest29.02%

Peer Comparison

Insurance & Financial Services
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Size & Scale
Valuation
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Profitability
Quality & Returns
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TTM Growth
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Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
MAXMediaAlpha, Inc.535.32M11.5837.35122.78%-0.1%8.52%
EVEREverQuote, Inc.813.32M25.1428.5773.72%8.36%30.79%7.68%0.03
ATHMAutohome Inc.2.75B23.241.75-2.01%23.62%6.31%44.8%0.00
JFINJiayin Group Inc.184.85M7.010.356.11%26.17%39.74%100%0.02
CCGCheche Group Inc.53.99M0.83-1.175.2%-1%-9.35%0.10
MNYMoneyHero Limited Class A Ordinary Shares37.5M1.25-1.39-1.44%-22.13%-35.56%0.02

Profit & Loss

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Sales/Revenue+122.78M126.24M163.35M248.81M346.94M418.51M404.13M287.92M500.19M
Revenue Growth %-0.03%0.29%0.52%0.39%0.21%-0.03%-0.29%0.74%
Cost of Goods Sold+5.89M7.75M11.68M15.9M21.37M23.95M23.98M22.45M20.92M
COGS % of Revenue0.05%0.06%0.07%0.06%0.06%0.06%0.06%0.08%0.04%
Gross Profit+116.89M118.5M151.67M232.91M325.56M394.57M380.15M265.47M479.27M
Gross Margin %0.95%0.94%0.93%0.94%0.94%0.94%0.94%0.92%0.96%
Gross Profit Growth %-0.01%0.28%0.54%0.4%0.21%-0.04%-0.3%0.81%
Operating Expenses+117.3M123.19M165.58M240.96M337.24M416.49M404.94M317.44M447.52M
OpEx % of Revenue0.96%0.98%1.01%0.97%0.97%1%1%1.1%0.89%
Selling, General & Admin110.71M113.99M151.41M219.52M305.32M379.69M377.36M266.43M417.96M
SG&A % of Revenue0.9%0.9%0.93%0.88%0.88%0.91%0.93%0.93%0.84%
Research & Development6.58M9.19M14.17M20.21M29.66M35.73M31.71M27.59M29.55M
R&D % of Revenue0.05%0.07%0.09%0.08%0.09%0.09%0.08%0.1%0.06%
Other Operating Expenses0001.23M2.26M1.06M-4.13M23.42M0
Operating Income+-409K-4.69M-13.91M-8.05M-11.68M-21.92M-24.79M-51.98M31.75M
Operating Margin %-0%-0.04%-0.09%-0.03%-0.03%-0.05%-0.06%-0.18%0.06%
Operating Income Growth %--10.46%-1.97%0.42%-0.45%-0.88%-0.13%-1.1%1.61%
EBITDA+1.03M-3.33M-12.57M-5.86M-8.33M-16.85M-18.94M-45.78M37.42M
EBITDA Margin %0.01%-0.03%-0.08%-0.02%-0.02%-0.04%-0.05%-0.16%0.07%
EBITDA Growth %--4.24%-2.78%0.53%-0.42%-1.02%-0.12%-1.42%1.82%
D&A (Non-Cash Add-back)1.44M1.36M1.34M2.19M3.35M5.07M5.85M6.2M5.67M
EBIT-409K-4.69M-13.91M-6.82M-9.42M-20.86M-28.92M-28.56M31.75M
Net Interest Income+-506K-382K121K669K189K37K349K1.25M2.08M
Interest Income00320K669K189K37K349K1.25M2.08M
Interest Expense506K382K199K000000
Other Income/Expense-506K-382K121K932K480K-20K372K1.26M2.26M
Pretax Income+-915K-5.07M-13.79M-7.12M-11.2M-21.94M-24.42M-50.71M34.01M
Pretax Margin %-0.01%-0.04%-0.08%-0.03%-0.03%-0.05%-0.06%-0.18%0.07%
Income Tax+18K0000-2.51M0577K1.84M
Effective Tax Rate %1.02%1%1%1%1%0.89%1%1.01%0.95%
Net Income+-933K-5.07M-13.79M-7.12M-11.2M-19.43M-24.42M-51.29M32.17M
Net Margin %-0.01%-0.04%-0.08%-0.03%-0.03%-0.05%-0.06%-0.18%0.06%
Net Income Growth %--4.44%-1.72%0.48%-0.57%-0.73%-0.26%-1.1%1.63%
Net Income (Continuing)-933K-5.07M-13.79M-7.12M-11.2M-19.43M-24.42M-51.29M32.17M
Discontinued Operations000000000
Minority Interest000000000
EPS (Diluted)+-0.04-0.24-0.81-0.28-0.41-0.67-0.77-1.540.88
EPS Growth %--4.52%-2.38%0.65%-0.46%-0.63%-0.15%-1%1.57%
EPS (Basic)-0.04-0.24-0.81-0.28-0.41-0.67-0.77-1.540.92
Diluted Shares Outstanding21.44M21.44M16.92M25.76M27.33M29.09M31.61M33.35M36.65M
Basic Shares Outstanding21.44M21.44M16.92M25.76M27.33M29.09M31.61M33.35M35.01M
Dividend Payout Ratio---------

Balance Sheet

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Total Current Assets+25.2M17.65M60.55M85.33M97.4M84.69M80.97M69.24M171.78M
Cash & Short-Term Investments12.4M2.36M41.63M46.05M42.87M34.85M30.84M37.96M102.12M
Cash Only12.4M2.36M41.63M46.05M42.87M34.85M30.84M37.96M102.12M
Short-Term Investments000000000
Accounts Receivable12.22M14.69M17.46M32.21M49.92M44.94M43.13M25.53M64.35M
Days Sales Outstanding36.3242.4839.0147.2652.5239.238.9632.3646.96
Inventory000000000
Days Inventory Outstanding---------
Other Current Assets001.46M0007M5.75M5.31M
Total Non-Current Assets+3.05M2.87M5.2M5.89M31.65M58.91M75.55M41.68M38.75M
Property, Plant & Equipment2.36M2.13M4.48M5.2M15.79M13.09M12.23M7.34M9.59M
Fixed Asset Turnover51.98x59.30x36.45x47.88x21.97x31.98x33.05x39.25x52.18x
Goodwill00009.79M21.5M21.5M21.5M21.5M
Intangible Assets00003.37M10.23M7.96M5.19M3.25M
Long-Term Investments000000000
Other Non-Current Assets687K740K715K691K2.69M14.1M33.86M7.66M4.41M
Total Assets+28.25M20.52M65.75M91.22M129.05M143.61M156.52M110.92M210.53M
Asset Turnover4.35x6.15x2.48x2.73x2.69x2.91x2.58x2.60x2.38x
Asset Growth %--0.27%2.2%0.39%0.41%0.11%0.09%-0.29%0.9%
Total Current Liabilities+14.05M15.02M21.36M38.39M46.85M47.41M45.41M29.95M72.65M
Accounts Payable10.42M11.89M16.83M23.66M32.96M29.6M30.68M17.2M59.98M
Days Payables Outstanding646.06560.53525.9543.1562.95451.11466.98279.611.05K
Short-Term Debt1.47M361K0000000
Deferred Revenue (Current)815K986K1000K1000K1000K1000K1000K1000K1000K
Other Current Liabilities1.09M1.34M1.73M4.36M6.83M7.35M5.95M6.5M6.85M
Current Ratio1.79x1.18x2.83x2.22x2.08x1.79x1.78x2.31x2.36x
Quick Ratio1.79x1.18x2.83x2.22x2.08x1.79x1.78x2.31x2.36x
Cash Conversion Cycle---------
Total Non-Current Liabilities+39.85M56.05M1.2M1.06M11.22M11.08M3.63M70K2.51M
Long-Term Debt2.63M4.25M0000000
Capital Lease Obligations00008.09M5.53M3.5M70K2.51M
Deferred Tax Liabilities000000000
Other Non-Current Liabilities37.23M51.8M1.2M1.06M3.13M5.54M125K00
Total Liabilities53.91M71.06M22.56M39.45M58.07M58.48M49.03M30.02M75.16M
Total Debt+4.09M4.61M0010.69M8.23M6.44M2.16M3.63M
Net Debt-8.31M2.25M-41.63M-46.05M-32.18M-26.62M-24.4M-35.8M-98.49M
Debt / Equity----0.15x0.10x0.06x0.03x0.03x
Debt / EBITDA3.98x-------0.10x
Net Debt / EBITDA-8.08x--------2.63x
Interest Coverage-0.81x-12.27x-69.91x------
Total Equity+-25.66M-50.54M43.18M51.77M70.98M85.13M107.49M80.91M135.37M
Equity Growth %--0.97%1.85%0.2%0.37%0.2%0.26%-0.25%0.67%
Book Value per Share-1.20-2.362.552.012.602.933.402.433.69
Total Shareholders' Equity-25.66M-50.54M43.18M51.77M70.98M85.13M107.49M80.91M135.37M
Common Stock9K9K26K27K28K30K32K35K36K
Retained Earnings-31.17M-51.32M-99.89M-107.01M-118.21M-137.65M-162.06M-213.35M-181.18M
Treasury Stock-5.49M-766K0000000
Accumulated OCI-3.94M-5.28M-6.27M0-7K10K-6K29K0
Minority Interest000000000

Cash Flow

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+5.49M-1.67M-1.9M4.41M10.67M7.19M-15.79M-2.83M66.57M
Operating CF Margin %0.04%-0.01%-0.01%0.02%0.03%0.02%-0.04%-0.01%0.13%
Operating CF Growth %--1.3%-0.13%3.33%1.42%-0.33%-3.2%0.82%24.54%
Net Income-933K-5.07M-13.79M-7.12M-11.2M-19.43M-24.42M-51.29M32.17M
Depreciation & Amortization1.44M1.36M1.34M2.19M3.35M5.07M5.85M6.2M5.67M
Stock-Based Compensation1.96M1.86M7.12M12.72M24.18M30.02M28.99M24.1M20.61M
Deferred Taxes00000-2.51M000
Other Non-Cash Items98K548K351K576K1.88M179K-3.45M19.85M-13K
Working Capital Changes2.93M-369K3.08M-3.95M-7.54M-6.14M-22.76M-1.68M8.12M
Change in Receivables-471K-2.48M-2.93M-15.23M-19.8M-6.36M5.36M12.39M-35.3M
Change in Inventory-279K386K461K000000
Change in Payables3.6M1.55M4.93M6.84M9.3M-3.97M1.12M-13.41M42.66M
Cash from Investing+-1.08M-1.19M-3.67M-2.98M-18.75M-18.82M-4.29M9.35M-4.11M
Capital Expenditures-1.08M-1.19M-3.67M-2.98M-3.82M-2.86M-4.29M-3.84M-4.11M
CapEx % of Revenue0.01%0.01%0.02%0.01%0.01%0.01%0.01%0.01%0.01%
Acquisitions---------
Investments---------
Other Investing00-3.67M000013.19M0
Cash from Financing+6.81M-7.18M44.84M2.98M4.91M3.62M15.84M577K1.71M
Debt Issued (Net)---------
Equity Issued (Net)---------
Dividends Paid000000000
Share Repurchases---------
Other Financing36.08M1.55M-2.85M2.98M4.91M3.62M842K577K1.71M
Net Change in Cash---------
Free Cash Flow+4.4M-2.86M-5.57M1.44M6.85M4.33M-20.08M-6.67M62.45M
FCF Margin %0.04%-0.02%-0.03%0.01%0.02%0.01%-0.05%-0.02%0.12%
FCF Growth %--1.65%-0.95%1.26%3.76%-0.37%-5.64%0.67%10.37%
FCF per Share0.21-0.13-0.330.060.250.15-0.64-0.201.70
FCF Conversion (FCF/Net Income)-5.88x0.33x0.14x-0.62x-0.95x-0.37x0.65x0.06x2.07x
Interest Paid000000000
Taxes Paid000000175K589K2.34M

Key Ratios

Metric201620172018201920202021202220232024
Return on Equity (ROE)---31.94%-14.99%-18.25%-24.9%-25.35%-54.45%29.75%
Return on Invested Capital (ROIC)----166.16%-39.37%-33.8%-26.26%-60.81%58.09%
Gross Margin95.2%93.86%92.85%93.61%93.84%94.28%94.07%92.2%95.82%
Net Margin-0.76%-4.02%-8.44%-2.86%-3.23%-4.64%-6.04%-17.81%6.43%
Debt / Equity----0.15x0.10x0.06x0.03x0.03x
Interest Coverage-0.81x-12.27x-69.91x------
FCF Conversion-5.88x0.33x0.14x-0.62x-0.95x-0.37x0.65x0.06x2.07x
Revenue Growth-2.82%29.39%52.32%39.44%20.63%-3.44%-28.75%73.72%

Revenue by Segment

2016201920202021202220232024
Automotive-212.3M283.24M330.93M324.42M227.5M446.1M
Automotive Growth--33.41%16.84%-1.97%-29.87%96.08%
Other-36.51M63.7M87.59M79.71M19.53M2.08M
Other Growth--74.47%37.50%-8.99%-75.50%-89.34%
Consolidated Entities897.41M------
Consolidated Entities Growth-------
Consumer Banking533.6M------
Consumer Banking Growth-------
Commercial Banking380.99M------
Commercial Banking Growth-------
Segment Reconciling Items-------
Segment Reconciling Items Growth-------
Corporate-17.17M------
Corporate Growth-------

Frequently Asked Questions

Valuation & Price

EverQuote, Inc. (EVER) has a price-to-earnings (P/E) ratio of 28.6x. This suggests investors expect higher future growth.

Growth & Financials

EverQuote, Inc. (EVER) reported $644.7M in revenue for fiscal year 2024. This represents a 425% increase from $122.8M in 2016.

EverQuote, Inc. (EVER) grew revenue by 73.7% over the past year. This is strong growth.

Yes, EverQuote, Inc. (EVER) is profitable, generating $53.9M in net income for fiscal year 2024 (6.4% net margin).

Dividend & Returns

EverQuote, Inc. (EVER) has a return on equity (ROE) of 29.7%. This is excellent, indicating efficient use of shareholder capital.

EverQuote, Inc. (EVER) generated $86.2M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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