EVER · Everquote, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $692.52M | $500.19M | $287.92M | $404.13M | $418.51M | $346.94M |
| Cost of Revenue | $19.38M | $20.92M | $22.45M | $23.98M | $23.95M | $21.37M |
| Gross Profit | $673.15M | $479.27M | $265.47M | $380.15M | $394.57M | $325.56M |
| R&D | $31.50M | $29.55M | $27.59M | $31.71M | $35.73M | $29.66M |
| SG&A | $34.07M | $30.26M | $26.30M | $28.10M | $24.70M | $20.44M |
| Total Operating Expenses | $634.18M | $468.44M | $339.90M | $428.92M | $440.44M | $358.62M |
| D&A | $3.81M | $5.67M | $6.20M | $5.85M | $5.07M | $3.35M |
| Operating Income | $58.34M | $31.75M | ($51.98M) | ($24.79M) | ($21.92M) | ($11.68M) |
| Interest Expense | - | - | - | - | - | - |
| Income Tax | ($37.49M) | $1.84M | $577.0K | - | ($2.51M) | $0 |
| Net Income | $99.31M | $32.17M | ($51.29M) | ($24.42M) | ($19.43M) | ($11.20M) |
| EPS - Basic | $2.75 | $0.92 | ($1.54) | ($0.77) | ($0.41) | - |
| EPS - Diluted | $2.63 | $0.88 | ($1.54) | ($0.77) | ($0.41) | - |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $171.38M | $102.12M | $37.96M | $30.84M | $34.85M | $42.87M |
| Accounts Receivable | $75.15M | $61.35M | $21.18M | $29.60M | $35.66M | $46.08M |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | $76.85M | $59.98M | $17.20M | $30.68M | $29.60M | $32.96M |
| Current Assets | $256.29M | $171.78M | $69.24M | $80.97M | $84.69M | $97.40M |
| Total Assets | $326.91M | $210.53M | $110.92M | $156.52M | $143.61M | $129.05M |
| Current Liabilities | $87.22M | $72.65M | $29.95M | $45.41M | $47.41M | $46.85M |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $88.87M | $75.16M | $30.02M | $49.03M | $58.48M | $58.07M |
| Stockholders' Equity | $238.04M | $135.37M | $80.91M | $107.49M | $85.13M | $70.98M |
| Retained Earnings | ($81.87M) | ($181.18M) | ($213.35M) | ($162.06M) | ($137.65M) | ($118.21M) |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $95.38M | $66.57M | ($2.83M) | ($15.79M) | $7.19M | $10.67M |
| Investing Cash Flow | ($5.06M) | ($4.11M) | $9.35M | ($4.29M) | ($18.82M) | ($18.75M) |
| Financing Cash Flow | ($21.06M) | $1.71M | $577.0K | $15.84M | $3.62M | $4.91M |
| CapEx | $5.06M | $4.11M | $3.84M | $4.29M | $2.86M | $3.82M |
| Free Cash Flow | $90.32M | $62.45M | ($6.67M) | ($20.08M) | $4.33M | $6.85M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 97.2% | 95.8% | 92.2% | 94.1% | 94.3% | 93.8% |
| Operating margin | 8.4% | 6.3% | -18.1% | -6.1% | -5.2% | -3.4% |
| EBITDA margin | 9.0% | 7.5% | -15.9% | -4.7% | -4.0% | -2.4% |
| Net margin | 14.3% | 6.4% | -17.8% | -6.0% | -4.6% | -3.2% |
| Free cash flow margin | 13.0% | 12.5% | -2.3% | -5.0% | 1.0% | 2.0% |
| FCF / Net income | 0.91 | 1.94 | 0.13 | 0.82 | -0.22 | -0.61 |
| R&D / Revenue | 4.5% | 5.9% | 9.6% | 7.8% | 8.5% | 8.5% |
| SG&A / Revenue | 4.9% | 6.1% | 9.1% | 7.0% | 5.9% | 5.9% |
| Effective tax rate | -60.6% | 5.4% | - | - | - | - |
| Return on assets | 30.4% | 15.3% | -46.2% | -15.6% | -13.5% | -8.7% |
| Return on equity | 41.7% | 23.8% | -63.4% | -22.7% | -22.8% | -15.8% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | 2.94 | 2.36 | 2.31 | 1.78 | 1.79 | 2.08 |
| Quick ratio | 2.94 | 2.36 | 2.31 | 1.78 | 1.79 | 2.08 |
| Cash ratio | 1.96 | 1.41 | 1.27 | 0.68 | 0.74 | 0.92 |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - |
| Equity multiplier | 1.37 | 1.56 | 1.37 | 1.46 | 1.69 | 1.82 |
| Liabilities / Assets | 0.27 | 0.36 | 0.27 | 0.31 | 0.41 | 0.45 |
| Efficiency | ||||||
| Asset turnover | 2.12 | 2.38 | 2.60 | 2.58 | 2.91 | 2.69 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | 40d | 45d | 27d | 27d | 31d | 48d |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | 1448d | 1046d | 280d | 467d | 451d | 563d |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.3x | 22.7x | - | - | - | - |
| P / B | 4.3x | 0.0x | 0.0x | 0.0x | 0.0x | - |
| P / S | 1.5x | 0.0x | 0.0x | 0.0x | 0.0x | - |
| EV / EBITDA | 13.6x | -2.7x | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 38.5% | 73.7% | -28.8% | -3.4% | 20.6% | 39.4% |
| Revenue CAGR (3y) | 19.7% | 6.1% | -6.0% | 17.5% | 49.1% | - |
| Revenue CAGR (5y) | 14.8% | 15.0% | 17.9% | - | - | - |
| Gross profit growth (YoY) | 40.5% | 80.5% | -30.2% | -3.7% | 21.2% | 39.8% |
| Operating income growth (YoY) | 83.7% | - | -109.7% | -13.1% | -87.7% | -45.1% |
| Net income growth (YoY) | 208.7% | - | -110.1% | -25.6% | -73.5% | -57.4% |
| EPS growth (YoY) | 198.9% | - | -100.0% | -87.8% | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - |
| FCF growth (YoY) | 44.6% | - | 66.8% | - | -36.8% | 376.1% |
| FCF CAGR (5y) | 67.5% | 112.6% | - | - | - | - |
| Book value growth (YoY) | 75.8% | 67.3% | -24.7% | 26.3% | 19.9% | 37.1% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$692.52M totalAutomotive$629.83M · 90.9%
Home And Renters$62.65M · 9.0%
Other$40.0K · 0.0%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
3.95
Safe
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- ✓Current ratio improved
- ✗No share dilution
- ✓Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Services-Computer Programming, Data Processing, Etc.
Comparing EverQuote against the 5 most active filers in the same SIC group.