EverQuote Inc. Class A Common Stock (EVER)

FairStock Score: 95/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach EverQuote as an online insurance marketplace, not an insurer. The turnaround is visible in filed numbers: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $195.1M, net income was $19.2M, and diluted EPS was $0.53. In fiscal Q2 2025, the quarter ended 2025-06-30, revenue was $156.6M, net income was $14.7M, and diluted EPS was $0.39. For FY2025, ended 2025-12-31, revenue was $692.5M and net income was $99.3M, after FY2023, ended 2023-12-31, posted a net loss of $51.3M. That loss-to-profit swing is why FairStock's Lynch category is TURNAROUND—returned to profit after a loss within the last three years. Financial health looks sturdy. FairStock calculates D/E of 0.01, Altman Z-Score 6.61, Piotroski F-Score 6/9, ROE 53.61%, and ROCE 17.83%. Trailing free cash flow is $95.1M, a 12.8% FCF yield. At the $20.61 close on 2026-10-13, FairStock calculates P/E 6.71, P/B 2.83, EV/EBITDA 6.41, PEG 0.22, and a Graham Number of $22.44, leaving only an 8.16% margin of safety. So the price is not demanding, but it is not a deep asset bargain either. The moat is not obvious from the data: the company is small, with 356 employees, and depends on insurance carriers and agents for marketplace demand. If the recent profit growth continues, the low multiple and strong cash generation could prove conservative. If carrier spending slows or the turnaround fades, the stock has limited asset protection. I prefer durable advantages, but this is a reasonably priced recovery candidate.

In plain English: EverQuote runs an online marketplace where people compare and shop for car, home and renters insurance. The business has moved from losses to profits, and recent sales and profits are growing. Based on the numbers given, the stock looks inexpensive compared with its earnings and cash flow, though not a huge bargain compared with the value of its assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer