EverQuote Inc Class A (EVER) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of EverQuote Inc Class A stock $62.75, price $28.82, upside +117.7%, quality 75 out of 100. Rating: strongly undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $5.54 – $30.60 · fair‑value band $34.17 – $109.56 · the $28.82 price screens below the $62.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.
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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.
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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.
Stock analysis
EverQuote Inc Class A (EVER) currently trades at $28.82, while our model-based Fair Value estimate is $62.75, implying the stock looks roughly 54% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $113.92 per share, and 20 of the 24 models we run sit above the $28.82 price.
Bear case: the Economic Profit group reads lowest at $29.09, and 4 of the 24 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $34.17 (bear) to $109.56 (bull), the price of $28.82 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 75/100 (high quality), in the Communication Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
EverQuote Inc Class A reported revenue of $693M in FY2025 versus $419M in FY2021, a compound +13.4%/yr. Reported net income was $99.3M in FY2025.
Key figures
Market cap $1.1B Small · P/E ratio 9.5 · P/S ratio 1.40 · EPS (TTM) $3.06 · Net margin 15.2% · Return on equity 53.6% · Return on assets (EBIT) −8.5% (5-year average) · Operating margin 12.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 77 out of 100 (medium confidence).
What moves the price
The share trades about 6% below its 52-week high and 102% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Communication Services peers we cover trades at 13% fair-value upside, at 118%, EVER screens cheaper than that median.
Fair Value models
Bear$34.17Fair Value $62.75Bull$109.56
Price $28.82 · Upside +117.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.62 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 7 officers or directors sold shares worth $2.9M and none bought.
SaleJayme MendalCEO and President, Director7× since Nov 20, 2025: 120,382 shares, avg. $22.55$2.7MNov 2, 202610b5-1 plan
SaleJon AyotteChief Accounting Officer16× since Nov 18, 2025: 17,829 shares, avg. $22.94$408,986Oct 16, 202610b5-1 plan
SaleJohn L. ShieldsDirector3× since Jan 12, 2026: 6,492 shares, avg. $25.02$162,421Oct 9, 202610b5-1 plan
SaleGeorge R NebleDirector4× since Jan 12, 2026: 5,390 shares, avg. $22.56$121,623Oct 9, 202610b5-1 plan
SaleDavid BrainardChief Technology Officer7× since Nov 28, 2025: 29,056 shares, avg. $22.19$644,642Oct 8, 202610b5-1 plan
SaleJoseph SanbornCFO and Chief Admin Officer9× since Nov 18, 2025: 43,506 shares, avg. $21.88$951,835Oct 2, 202610b5-1 plan
SaleMira WilczekDirector9,500 shares at $25.07$238,165Sep 1, 2026
Plus 23 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.89/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+38.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.8%
Start year 2020 (pandemic). Over 10 years: +21.7% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.7%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−3.4% (2020) → 9.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+0.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+10.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −2.2% a year for the price and +7.8% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: Strong reported profitability and cash conversion stand out as the main strength, while minimal signals on human capital, innovation and governance form the key weakness.
Main risk: Rolling out AI tools and its own platform risks exposing the marketplace to faster policy churn and direct agent competition, hitting revenue stability with carriers.
EverQuote posted strong Q3 results driven by 70 percent growth in home and renters insurance revenue. It is rolling out AI-native tools and its own shopping platform while releasing analysis on how personal AI agents may reshape P&C distribution. Will these moves let the marketplace expand its role with carriers or expose it to faster policy churn and direct agent competition?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Internet Content & Information · 123 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score75 · Top 25%
Fair Value upside+117.7% · Top 25%
Profitability
Return on equity (12 months)53.6% · Top 25%
Return on assets30.4% · Top 25%
Net margin (12 months)15.2% · Above median
Operating margin (12 months)12.0% · Above median
Growth and dividend
Revenue growth (quarter YoY)24.6% · Top 25%
Balance sheet
Debt / equity0.02× · Below median
Valuation Multiplesvs Internet Content & Information median · lower = cheaper
P/E (12 months)9.5× · Cheapest 25%
P/B4.42× · Priciest 25%
P/S (12 months)1.40× · Cheaper than median
Price / free cash flow (fiscal year)11.7× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "EverQuote Inc Class A Fair Value". https://www.fairvalue-calculator.com/stock/EVER
Frequently asked questions
Is EverQuote Inc Class A (EVER) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $62.75 versus a price of $28.82, about +118% upside (undervalued).
What is the fair value of EVER?
Our model-based fair value for EverQuote Inc Class A is $62.75 (as of Nov 7, 2026), built from audited fundamentals. The current price: $28.82.
What is the quality score of EVER?
EverQuote Inc Class A has a Quality Score of 75/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for EverQuote Inc Class A (EVER)?
Our model-based price target is the fair value of $62.75 (as of Nov 7, 2026) from 24 valuation models. Cautious scenario $34.17, optimistic scenario $109.56. It is a calculation from audited fundamentals, not an analyst target.
What is the EverQuote Inc Class A stock forecast for 2026?
Our models put fair value at $62.75, about +118% upside versus a price of $28.82 (undervalued). Cautious scenario $34.17, optimistic scenario $109.56. The calculation is refreshed regularly with new filings.
What is the revenue of EverQuote Inc Class A (EVER)?
EverQuote Inc Class A reported trailing-twelve-month revenue of about $755M (latest available figure, as of Nov 7, 2026).
What growth is priced into EverQuote Inc Class A (EVER)?
For today's price to be fair in a discounted-cash-flow model, EverQuote Inc Class A would have to grow free cash flow by +0.2 % per year for five years (discount rate 10.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.8 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of EVER use?
Our models discount EverQuote Inc Class A at 10.7 %: a base by market capitalisation (small), damped by beta 0.80, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For EverQuote Inc Class A that is +0.2 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.7 %) and the same formula as our fair value.
How much growth has EverQuote Inc Class A (EVER) delivered so far?
Over the past 5 years revenue at EverQuote Inc Class A grew +14.8 % a year. The price currently implies free-cash-flow growth of +0.2 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of EverQuote Inc Class A (EVER) growing?
The median revenue growth in the sector is +3.8 % a year. That is the yardstick for the growth priced into EverQuote Inc Class A (+0.2 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of EverQuote Inc Class A (EVER)?
The free-cash-flow yield on the price is 8.58 %: that much free cash flow EverQuote Inc Class A produces per unit of market value. When it exceeds the discount rate of our models (10.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of EverQuote Inc Class A (EVER)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For EverQuote Inc Class A it is $62.75 per share (as of Nov 7, 2026), against a price of $28.82. It is the blended result of 24 valuation models in 7 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is EverQuote Inc Class A stock overvalued or undervalued in 2026?
As of Nov 7, 2026, EVER trades below its calculated fair value: price $28.82, fair value $62.75, a gap of about +118% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EVER?
No. The price is what the market pays today ($28.82); the fair value is what the company's own numbers justify ($62.75). For EverQuote Inc Class A the two are $33.93 per share apart. That gap is exactly why we show both numbers side by side.
How much is EverQuote Inc Class A worth?
The market values EverQuote Inc Class A at about $1.1B (market capitalisation, as of Nov 7, 2026). Per share that is $28.82; our models calculate a fair value of $62.75 per share.
What do the bullish and bearish scenarios say about EVER?
Our models span a range for EverQuote Inc Class A: cautious scenario $34.17, base $62.75, optimistic $109.56 per share (as of Nov 7, 2026, price $28.82). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EVER?
EverQuote Inc Class A trades at a price-to-earnings ratio of 9.5 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $62.75 is built from several models across several years. Other multiples: P/B 4.4, P/S 1.4, EV/EBITDA 11.5.
How solid is the balance sheet of EverQuote Inc Class A (EVER)?
Balance-sheet figures for EverQuote Inc Class A (as of Nov 7, 2026): return on equity 53.6%, debt of 0.02 per unit of equity. They feed the Quality Score of 75/100, which measures business quality independently of the share price.
How far is EVER from its 52-week high?
EverQuote Inc Class A trades at $28.82, about 6% below its 52-week high of $30.60 and 102% above the low of $14.27 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $62.75 is for.
Which stocks are comparable to EverQuote Inc Class A?
From the same area (Communication Services) we also value Alphabet Inc, Meta Platforms, Inc, Tencent Holdings, Spotify Technology S.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is EverQuote Inc Class A stock attractive at the current price?
The data as of Nov 7, 2026: price $28.82, calculated fair value $62.75 (+118%), Quality Score 75/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EVER calculated?
We run EverQuote Inc Class A through 24 models from 7 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $62.75 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. EverQuote Inc Class A currently trades 54% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of EverQuote Inc Class A (EVER)?
The closing price on Nov 6, 2026 was $28.82. Our model-based fair value is $62.75, about +118% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EverQuote Inc Class A right now?
The rarer combination: high quality (75/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case ($34.17). The market is more pessimistic than our downside scenario. The model range is unusually wide ($34.17 to $109.56). The outcome hinges heavily on assumptions, so read the point estimate with caution.
Key figures of EverQuote Inc Class A
How large is the market capitalisation of EverQuote Inc Class A (EVER)?
The market capitalisation of EverQuote Inc Class A is $1.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of EverQuote Inc Class A (EVER)?
The price-to-sales ratio of EverQuote Inc Class A is 1.40 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of EverQuote Inc Class A (EVER)?
Earnings per share at EverQuote Inc Class A are $3.06 (price ÷ EPS = P/E 9.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of EverQuote Inc Class A (EVER)?
The net margin of EverQuote Inc Class A is 15.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of EverQuote Inc Class A (EVER)?
The return on equity (ROE) of EverQuote Inc Class A is 53.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of EverQuote Inc Class A (EVER)?
On an EBIT basis the return on assets of EverQuote Inc Class A is −8.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of EverQuote Inc Class A (EVER)?
The operating margin of EverQuote Inc Class A is 12.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EverQuote Inc Class A (EVER)?
Revenue at EverQuote Inc Class A is growing +24.6% versus a year earlier (3y avg +19.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at EverQuote Inc Class A (EVER)?
Earnings per share at EverQuote Inc Class A are growing +35.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does EverQuote Inc Class A (EVER) hold?
EverQuote Inc Class A holds more cash than debt, $92.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Nov 7, 2026