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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
09/28/2026: EVER (1-star) is currently NOT-A-BUY. Pass it for now.
EverQuote Inc Class A is a digital marketplace that connects consumers seeking insurance with various carriers, functioning as an intermediary in the insurance shopping process. Its core strength lies in a data-driven platform that matches high-intent shoppers with providers, helping to optimize lead conversion. The primary investment story centers on the shift toward digital-first insurance distribution and the opportunity to diversify into non-auto verticals. However, the company faces significant risks, including dependence on digital advertising costs, insurance industry cycles, and regulatory scrutiny regarding lead generation. The stock best suits growth investors willing to tolerate volatility, and interested parties should monitor carrier budget trends and competitive landscape shifts.
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 a large addressable market with significant room for digital transformation. |
| Momentum investor | Mixed fit | Performance is highly conditional on favorable insurance industry marketing trends and positive technical signals. |
| Value investor | Weak fit | The business model often carries high volatility and relies on top-line growth rather than deep value fundamentals. |
| Dividend investor | Weak fit | The company currently pays no dividends and prioritizes growth capital. |
| Low-risk investor | Weak fit | Significant exposure to advertising costs and insurance industry cycles creates substantial price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is highly sensitive to market sentiment and industry-specific demand fluctuations. |
| Valuation risk | Medium / high | Pricing is often linked to growth expectations that can fluctuate based on quarterly performance. |
| Competition risk (Digital marketing) | High | Intense competition for traffic from large digital platforms and other lead aggregators pressures margins. |
| Business quality | Medium | While the platform has network effects, dependence on carrier budgets makes revenue streams variable. |
| Dividend income | Low / none | The company does not provide income, making it unsuitable for dividend-focused portfolios. |
| Execution risk | Medium | Continued success relies on the effective deployment of AI and machine learning in a shifting regulatory landscape. |
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 66.97% | 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 09/28/2026 |
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 656.87M USD | Price to earnings Ratio 6.07 | 1Y Target Price 29.5 |
Price to earnings Ratio 6.07 | 1Y Target Price 29.5 | ||
Volume (30-day avg) 775.3K shares | Beta 0.67 | 52 Weeks Range 13.88 - 28.73 | Updated Date 09/27/2026 |
52 Weeks Range 13.88 - 28.73 | Updated Date 09/27/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.07 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Marketplace | Revenue generated from lead referral fees paid by insurance carriers and agents. | The company acts as a middleman, earning fees by connecting people looking for insurance with companies trying to sell it. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 6.07 | Forward PE 7.25 | Enterprise Value 430.02M | Price to Sales(TTM) 0.87 |
Enterprise Value 430.02M | Price to Sales(TTM) 0.87 | ||
Enterprise Value to Revenue 0.57 | Enterprise Value to EBITDA 4.97 | Shares Outstanding 31.68M | Shares Floating 27.28M |
Shares Outstanding 31.68M | Shares Floating 27.28M | ||
Percent Insiders 13.2 | Percent Institutions 99.77 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About EverQuote Inc Class A
Exchange NASDAQ | Headquarters Cambridge, MA, United States | ||
IPO Launch date 2018-06-28 | President, CEO & Director Mr. Jayme Mendal | ||
Sector Communication Services | Industry Internet Content & Information | Full time employees 356 | Website https://www.everquote.com |
Full time employees 356 | Website https://www.everquote.com | ||
EverQuote, Inc. operates an online marketplace for insurance shopping in the United States. The company provides 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.
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