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Upturn AI Summary - About
EverQuote Inc Class A(EVER)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EVER
10/26/2026: EVER (1-star) is currently NOT-A-BUY. Pass it for now.
EverQuote Inc Class A is an online marketplace connecting consumers with insurance providers through a technology-driven, performance-based platform. The company has a leading position in the digital insurance lead generation sector, benefiting from deep integration with major carrier marketing budgets. Its primary growth opportunity lies in diversifying beyond auto insurance into life and home segments while leveraging enhanced AI for better consumer matching. However, the stock faces risks from cyclicality in the insurance industry, potential changes in privacy regulations, and concentration among its top carrier clients. It is generally suited for investors comfortable with high volatility and concentrated exposure to digital performance marketing trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company operates in the high-growth digital insurance acquisition space. |
| Momentum investor | Mixed fit | Momentum is conditional on positive trends in insurance carrier marketing budgets. |
| Value investor | Weak fit | Valuation is often tied to high-growth expectations rather than legacy value metrics. |
| Dividend investor | Weak fit | The company does not pay a dividend. |
| Low-risk investor | Weak fit | The business model is subject to significant market and regulatory volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price reacts sharply to insurance industry cycles and digital advertising cost changes. |
| Valuation risk | Medium / high | Growth expectations are heavily priced in, making the stock sensitive to earnings surprises. |
| Competition risk (Digital Aggregation) | High | Increased competition from large advertising platforms and direct carrier efforts poses a margin threat. |
| Business quality | Medium | While the platform is scalable, reliance on external traffic and a few major carriers creates dependency. |
| Dividend income | Low / none | There is no income component to the investment. |
| Execution risk | Medium | Successful expansion into new, complex insurance verticals requires consistent operational excellence. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit 61.24% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/26/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 801.35M USD | Price to earnings Ratio 7.41 | 1Y Target Price 29.5 |
Price to earnings Ratio 7.41 | 1Y Target Price 29.5 | ||
Volume (30-day avg) 816.6K shares | Beta 0.67 | 52 Weeks Range 13.88 - 28.73 | Updated Date 10/25/2026 |
52 Weeks Range 13.88 - 28.73 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.07 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Marketplace | Revenue from auto, home, and life insurance lead generation and referrals. | The company earns fees when consumers engage with insurance quotes through their platform. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-02 | When After Market | Estimate 0.48 | Actual - |
Profitability
Profit Margin 15.16% | Operating Margin (TTM) 12.04% |
Management Effectiveness
Return on Assets (TTM) 17.83% | Return on Equity (TTM) 53.61% |
Valuation
Trailing PE 7.41 | Forward PE 12.09 | Enterprise Value 665.21M | Price to Sales(TTM) 1.06 |
Enterprise Value 665.21M | Price to Sales(TTM) 1.06 | ||
Enterprise Value to Revenue 1.08 | Enterprise Value to EBITDA 11.2 | Shares Outstanding 31.68M | Shares Floating 27.35M |
Shares Outstanding 31.68M | Shares Floating 27.35M | ||
Percent Insiders 13.01 | Percent Institutions 100.85 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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