Recent News
On August 4, 2025 EverQuote published second-quarter 2025 results, reporting $156.6M revenue (up 34% year-over-year), record operating cash flow, and an inaugural $50.0M share repurchase program. On August 5–6, 2025 management scheduled investor presentations at multiple conferences in August and September. On August 11, 2025 EverQuote executed a $21.0M repurchase of 900,000 shares from Link Ventures as part of the $50.0M program, with Lock-up provisions tied to the transaction.
Technical Analysis
ADX & Directional Indicators: ADX at 13.24 signals no strong trend; DI+ shows a peak-and-reversal pattern that registers bearish pressure while DI- also shows a peak-and-reversal that registers bullish pressure. Combined with a low ADX, the directional indicators imply range-bound trade rather than a sustained directional breakout.
MACD: MACD sits at 0.05 with a dip-and-reversal pattern and a MACD signal of -0.07; MACD currently trades above its signal line, which represents a bullish momentum shift that supports short-term upward movement within the existing consolidation.
MRO (Momentum/Regression Oscillator): MRO at 18.27 registers a positive reading, signaling price above WMDST’s target and therefore presenting downside pressure potential; the MRO’s recent peak-and-reversal reinforces the case for corrective forces if momentum stalls.
RSI: RSI reads 49.69 with a dip-and-reversal pattern; that level places momentum near equilibrium while the dip-and-reversal suggests momentum tipping from recent weakness toward stabilization.
Price vs. Moving Averages & Bollinger Bands: Last close $24.27 trades above the 20-day average $23.80 and the 200-day average $22.99, and slightly above the 50-day average $24.15. Price currently sits inside the lower Bollinger band envelope and shows a dip-and-reversal within the -2x standard-deviation band, consistent with a rebound attempt inside a defined trading band. Ichimoku components place the Chikou span within the cloud, indicating consolidation at present.
Fundamental Analysis
Revenue totaled $156.6M for the period. GAAP net income $14.7M, EBIT $14.5M, EBITDA $15.4M, and operating cash flow $25.3M demonstrate profitable operations and solid cash conversion. Free cash flow registered $23.8M with a free cash flow yield of 2.72%.
- Margins: Operating (EBIT) margin stands at 9.26%, up 72.37% year-over-year but down 2.96% quarter-over-quarter; operating margin remains below the industry peer mean of 23.21% and below the industry peer median of 22.02%, while sitting above the peer low of 6.26%.
- Profitability Ratios: Return on equity registers 8.63% and return on assets 6.21%, both above the industry peer mean for return on assets (1.26%) and close to or above several peer benchmarks provided.
- Capital Structure: Total debt remains minimal at $3.174M, producing a debt-to-assets ratio of 1.32% and a debt-to-EBITDA near 0.21x; current ratio at 3.03 and a cash balance $148.2M supply clear liquidity headroom.
- Valuation Multiples: Trailing P/E at 43.63, price-to-book 5.14, price-to-sales 5.59, and enterprise multiple 47.41. PEG stands at 11.78 while forward P/E reads 131.45 based on forward EPS $0.1825; WMDST values the stock as under-valued.
- Earnings & Estimates: Reported EPS $0.56 versus estimate $0.51, delivering an EPS surprise of 9.80% and an absolute beat of $0.05.
Valuation Context: Strong cash generation, minimal leverage, and a $50.0M buyback program that began with a $21.0M executed purchase support the WMDST valuation of under-valued given current multiples and balance-sheet strength. That valuation sits alongside higher peer margins, indicating room for margin expansion relative to industry medians should revenue mix or operating leverage improve.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-06-30 |
| REPORT DATE: | 2025-08-04 |
| NEXT REPORT DATE: | 2025-11-03 |
| CASH FLOW | Begin Period Cash Flow | $ 125.0 M |
| Operating Cash Flow | $ 25.3 M | |
| Capital Expenditures | $ -1.46 M | |
| Change In Working Capital | $ -4.80 M | |
| Dividends Paid | — | |
| Cash Flow Delta | $ 23.2 M | |
| End Period Cash Flow | $ 148.2 M | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 156.6 M | |
| Forward Revenue | $ 17.7 M | |
| COSTS | ||
| Cost Of Revenue | $ 4.8 M | |
| Depreciation | $ 918.0 K | |
| Depreciation and Amortization | $ 918.0 K | |
| Research and Development | $ 7.8 M | |
| Total Operating Expenses | $ 142.1 M | |
| PROFITABILITY | ||
| Gross Profit | $ 151.8 M | |
| EBITDA | $ 15.4 M | |
| EBIT | $ 14.5 M | |
| Operating Income | $ 14.5 M | |
| Interest Income | $ 918.0 K | |
| Interest Expense | — | |
| Net Interest Income | $ 918.0 K | |
| Income Before Tax | $ 15.1 M | |
| Tax Provision | $ 363.0 K | |
| Tax Rate | 2.41 % | |
| Net Income | $ 14.7 M | |
| Net Income From Continuing Operations | $ 14.7 M | |
| EARNINGS | ||
| EPS Estimate | $ 0.51 | |
| EPS Actual | $ 0.56 | |
| EPS Difference | $ 0.05 | |
| EPS Surprise | 9.804 % | |
| Forward EPS | $ 0.18 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 241.4 M | |
| Intangible Assets | $ 21.5 M | |
| Net Tangible Assets | $ 148.8 M | |
| Total Current Assets | $ 209.5 M | |
| Cash and Short-Term Investments | $ 148.2 M | |
| Cash | $ 148.2 M | |
| Net Receivables | $ 55.0 M | |
| Inventory | — | |
| Long-Term Investments | $ 320.0 K | |
| LIABILITIES | ||
| Accounts Payable | $ 59.0 M | |
| Short-Term Debt | — | |
| Total Current Liabilities | $ 69.2 M | |
| Net Debt | — | |
| Total Debt | $ 3.2 M | |
| Total Liabilities | $ 71.2 M | |
| EQUITY | ||
| Total Equity | $ 170.3 M | |
| Retained Earnings | $ -158.49 M | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 4.66 | |
| Shares Outstanding | 36.513 M | |
| Revenue Per-Share | $ 4.29 | |
| VALUATION | Market Capitalization | $ 875.9 M |
| Enterprise Value | $ 730.9 M | |
| Enterprise Multiple | 47.407 | |
| Enterprise Multiple QoQ | 11.91 % | |
| Enterprise Multiple YoY | -50.97 % | |
| Enterprise Multiple IPRWA | high: 90.138 median: 74.741 mean: 72.869 EVER: 47.407 low: -7.424 |
|
| EV/R | 4.667 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 1.418 | |
| Asset To Liability | 3.393 | |
| Debt To Capital | 0.018 | |
| Debt To Assets | 0.013 | |
| Debt To Assets QoQ | -9.993 % | |
| Debt To Assets YoY | -16.135 % | |
| Debt To Assets IPRWA | high: 0.804 median: 0.337 mean: 0.295 low: 0.046 EVER: 0.013 |
|
| Debt To Equity | 0.019 | |
| Debt To Equity QoQ | -17.849 % | |
| Debt To Equity YoY | -24.073 % | |
| Debt To Equity IPRWA | high: 5.988 median: 1.371 mean: 1.342 EVER: 0.019 low: -4.467 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 5.144 | |
| Price To Book QoQ | -9.168 % | |
| Price To Book YoY | -34.027 % | |
| Price To Book IPRWA | high: 12.99 median: 6.587 mean: 6.157 EVER: 5.144 low: 0.141 |
|
| Price To Earnings (P/E) | 43.627 | |
| Price To Earnings QoQ | -60.878 % | |
| Price To Earnings YoY | -66.908 % | |
| Price To Earnings IPRWA | high: 227.166 mean: 126.94 median: 103.153 low: 81.326 EVER: 43.627 |
|
| PE/G Ratio | 11.778 | |
| Price To Sales (P/S) | 5.592 | |
| Price To Sales QoQ | 10.057 % | |
| Price To Sales YoY | -16.689 % | |
| Price To Sales IPRWA | high: 28.058 mean: 19.038 median: 18.88 EVER: 5.592 low: 1.133 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 131.452 | |
| Forward PE/G | 35.489 | |
| Forward P/S | 49.351 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | 1.464 | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.661 | |
| Asset Turnover Ratio QoQ | -12.134 % | |
| Asset Turnover Ratio YoY | -17.172 % | |
| Asset Turnover Ratio IPRWA | EVER: 0.661 high: 0.271 mean: 0.083 median: 0.08 low: 0.042 |
|
| Receivables Turnover | 2.683 | |
| Receivables Turnover Ratio QoQ | -0.862 % | |
| Receivables Turnover Ratio YoY | -1.152 % | |
| Receivables Turnover Ratio IPRWA | high: 6.234 EVER: 2.683 mean: 0.936 median: 0.872 low: 0.696 |
|
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | 34.012 | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | — | |
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | 1.117 | |
| CapEx To Revenue | -0.009 | |
| CapEx To Depreciation | -1.591 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 170.3 M | |
| Net Invested Capital | $ 170.3 M | |
| Invested Capital | $ 170.3 M | |
| Net Tangible Assets | $ 148.8 M | |
| Net Working Capital | $ 140.3 M | |
| LIQUIDITY | ||
| Cash Ratio | 2.142 | |
| Current Ratio | 3.027 | |
| Current Ratio QoQ | 25.263 % | |
| Current Ratio YoY | 42.135 % | |
| Current Ratio IPRWA | EVER: 3.027 high: 2.747 mean: 1.35 median: 1.203 low: 1.028 |
|
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | 0.206 | |
| Cost Of Debt | 0.297 % | |
| Interest Coverage Ratio | 1450.0 | |
| Interest Coverage Ratio QoQ | -8.788 % | |
| Interest Coverage Ratio YoY | 130.451 % | |
| Interest Coverage Ratio IPRWA | EVER: 1450.0 high: 7.774 mean: 5.662 median: 4.316 low: 1.767 |
|
| Operating Cash Flow Ratio | 0.349 | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | 986.102 | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | — | |
| Dividend Payout Ratio | — | |
| Dividend Rate | — | |
| Dividend Yield | — | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 3.995 % | |
| Revenue Growth | -6.003 % | |
| Revenue Growth QoQ | -146.159 % | |
| Revenue Growth YoY | -120.965 % | |
| Revenue Growth IPRWA | high: 24.402 % EVER: -6.003 % mean: -6.49 % median: -9.819 % low: -27.136 % |
|
| Earnings Growth | 3.704 % | |
| Earnings Growth QoQ | -110.186 % | |
| Earnings Growth YoY | -98.457 % | |
| Earnings Growth IPRWA | high: 88.462 % EVER: 3.704 % median: -20.155 % mean: -27.575 % low: -166.667 % |
|
| MARGINS | ||
| Gross Margin | 96.909 % | |
| Gross Margin QoQ | 0.143 % | |
| Gross Margin YoY | 1.24 % | |
| Gross Margin IPRWA | EVER: 96.909 % high: 48.759 % mean: 43.255 % median: 43.201 % low: 30.121 % |
|
| EBIT Margin | 9.258 % | |
| EBIT Margin QoQ | -2.956 % | |
| EBIT Margin YoY | 72.37 % | |
| EBIT Margin IPRWA | high: 29.143 % mean: 23.208 % median: 22.022 % EVER: 9.258 % low: 6.259 % |
|
| Return On Sales (ROS) | 9.258 % | |
| Return On Sales QoQ | -2.956 % | |
| Return On Sales YoY | 72.37 % | |
| Return On Sales IPRWA | high: 26.982 % mean: 22.78 % median: 22.431 % EVER: 9.258 % low: -3.629 % |
|
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 23.8 M | |
| Free Cash Flow Yield | 2.721 % | |
| Free Cash Flow Yield QoQ | 3.895 % | |
| Free Cash Flow Yield YoY | 85.607 % | |
| Free Cash Flow Yield IPRWA | high: 4.211 % EVER: 2.721 % median: 0.933 % mean: 0.838 % low: -10.38 % |
|
| Free Cash Growth | 7.5 % | |
| Free Cash Growth QoQ | -52.833 % | |
| Free Cash Growth YoY | -60.923 % | |
| Free Cash Growth IPRWA | high: 771.429 % EVER: 7.5 % mean: -2.202 % median: -155.18 % low: -572.81 % |
|
| Free Cash To Net Income | 1.621 | |
| Cash Flow Margin | 15.431 % | |
| Cash Flow To Earnings | 1.644 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.04 | |
| Return On Assets (ROA) | 6.209 % | |
| Return On Assets QoQ | 71.994 % | |
| Return On Assets YoY | 42.245 % | |
| Return On Assets IPRWA | EVER: 6.209 % high: 2.096 % mean: 1.256 % median: 1.11 % low: 0.474 % |
|
| Return On Capital Employed (ROCE) | 8.419 % | |
| Return On Equity (ROE) | 0.086 | |
| Return On Equity QoQ | 61.564 % | |
| Return On Equity YoY | 35.99 % | |
| Return On Equity IPRWA | EVER: 0.086 high: 0.085 median: 0.074 mean: 0.052 low: -0.066 |
|
| DuPont ROE | 9.195 % | |
| Return On Invested Capital (ROIC) | 8.311 % | |
| Return On Invested Capital QoQ | -15.151 % | |
| Return On Invested Capital YoY | -182.092 % | |
| Return On Invested Capital IPRWA | EVER: 8.311 % high: 6.263 % median: 3.077 % mean: 2.769 % low: 1.363 % |
|