| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 91 | 7.3x | 17.3x | Top tier | |
Growth | 90 | 22.7% | 7.1% | Top tier | |
Quality | 93 | 51.2% | 4.5% | Top tier | |
Safety | 93 | — | 2.6x | Top tier | |
Capital Return | 62 | 0.00% | 0.06% | Around median | |
Momentum | 69 | -13.0% | -1.6% | Top tier | |
Sentiment | 32 | 3 | 3 | Bottom tier |
The floor: what the company is worth if growth stopped today
0% of today's price is what a buyer pays for growth that has not happened yet.
10-year US Treasury yield 4.96% as of 2026-10-22. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
EverQuote operates a digital platform that connects people seeking auto and home insurance with insurers and local agents, generating revenue by referring prospective customers to these providers. Its business economics depend on attracting traffic that can be converted into insurance inquiries, then generating referral revenue that exceeds the associated marketing costs. Smart Campaigns allows customers to manage referral bids more dynamically, using additional data to improve customer acquisition efficiency.
In quarter 2 of fiscal year 2026 (ended 2026-06-30), revenue reached 195.1 million dollars, up 24.6% from the same quarter of the previous year, while net income reached 19.2 million dollars and diluted earnings per share were 0.53 dollars. Gross margin rose to 97.8% from 96.9% in quarter 2 of fiscal year 2025, while operating margin reached 12.0% versus 9.0%. The difference between the two margins highlights the importance of marketing costs and operating expenses when assessing the referral platform's profitability.
Auto insurance revenue reached 172.1 million dollars in quarter 2 of fiscal year 2026, up 23% from the same quarter of the previous year, compared with 23 million dollars for home insurance, up 35%, illustrating the business's continued reliance on auto insurance despite faster home insurance expansion. Adjusted earnings before interest, taxes, depreciation, and amortization reached 30.1 million dollars, with a margin of 15.4% in the same quarter. According to EL7 data, quarterly operating cash flow reached 24.3 million dollars, with cash and short-term investments of 192.3 million dollars and total debt of 1.9 million dollars at the end of the period.
Q2 FY2026
Last 12 months to 2026-06-30
When: 2026-11-02
Testing the revenue guidance floor of 198 million dollars for quarter 3 of fiscal year 2026
Testing the adjusted earnings before interest, taxes, depreciation, and amortization guidance floor of 28 million dollars for quarter 3 of fiscal year 2026
The indicative value under the discounted cash flow model is 39 dollars, within a range of 32 dollars to 50 dollars and at a discount rate of 8.6%; it measures the present value of expected cash flows and relies on analysts' earnings estimates, with low confidence. The no-growth value is 30 dollars at a discount rate of 8.6%, measuring what remains when current after-tax operating profit is held constant forever, while the indicative median analyst price target is 28 dollars according to the 2026-10-23 snapshot, which includes one analyst and has low confidence, reflecting growth expectations. The industry-multiple value is 25 dollars, within a range of 16 dollars to 44 dollars, valuing next year's earnings at a median multiple of 11.0 across 35 companies. The industry-multiple value, analyst target, and no-growth value are close to one another, while the cash flow model is higher, placing greater weight on the expected cash flow trajectory; analyst targets are inherently optimistic and the cash flow model inherently conservative in the general comparison, despite the different ordering of values here. EL7's valuation pillar, which measures relative valuation within the industry, scored 85 out of 100 using data as of 2026-06-30.
Figures in the text are as of 2026-10-24; the live price is shown at the top of the page.
EverQuote connects people seeking insurance with insurers and local agents, generating revenue by referring prospective customers to them. In quarter 2 of fiscal year 2026 (ended 2026-06-30), the auto insurance business generated 172.1 million dollars compared with 23 million dollars for home insurance. The home insurance business grew 35% from the same quarter of the previous year, exceeding auto insurance growth of 23%, but remains smaller.
7 of the 10 largest insurer customers used Smart Campaigns in quarter 2 of fiscal year 2026 (ended 2026-06-30). Revenue flowing through the product increased by more than 100% from the same quarter of the previous year, and it was also made available to the first group of local agents during the same quarter. As for other new artificial intelligence offerings, management explained on the 2026-08-03 call that it does not expect material revenue from them during fiscal year 2026.
Automated analysis for informational purposes only — not investment advice.
Testing the variable marketing dollars guidance floor of 56 million dollars for quarter 3 of fiscal year 2026
Operating cash flow according to EL7 data for the last 12 months through 2026-06-30 reached 100.7 million dollars, compared with net income of 114.5 million dollars for the same period. This represents cash conversion of 88%, meaning operating cash flow was below accounting profit. Free cash flow calculated by EL7 (operating cash flow minus capital expenditures) for the last 12 months through 2026-06-30 reached 92.5 million dollars.
EverQuote completed its share repurchase program capped at 50.0 million dollars by the end of June 2026, according to the news published on 2026-10-21. The diluted share count declined to 36.2 million shares in quarter 2 of fiscal year 2026 (ended 2026-06-30), compared with 38.0 million shares in quarter 2 of fiscal year 2025. Management said on the 2026-08-03 call that it expects to revisit authorization for a new program during fiscal year 2026, but this does not constitute approval of a new program.
The confirmed earnings announcement date is 2026-11-02. Guidance for quarter 3 of fiscal year 2026 targets revenue between 198 million dollars and 208 million dollars, and adjusted earnings before interest, taxes, depreciation, and amortization between 28 million dollars and 31 million dollars. It also targets variable marketing dollars between 56 million dollars and 59 million dollars, allowing an assessment of whether referral expansion is accompanied by marketing returns that support profitability.