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EverQuote

Nasdaq:EVER
Snowflake Description

Flawless balance sheet with high growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
EVER
Nasdaq
$647M
Market Cap
  1. Home
  2. US
  3. Media
Company description

EverQuote, Inc. operates an online marketplace for insurance shopping in the United States. The last earnings update was 22 days ago. More info.


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  • EverQuote has significant price volatility in the past 3 months.
EVER Share Price and Events
7 Day Returns
-4.5%
NasdaqGM:EVER
-1.1%
US Interactive Media and Services
-2%
US Market
1 Year Returns
190.7%
NasdaqGM:EVER
-14.1%
US Interactive Media and Services
-15.1%
US Market
EVER Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
EverQuote (EVER) -4.5% -36.4% -29.8% 190.7% - -
US Interactive Media and Services -1.1% -17.8% -22.8% -14.1% 16.9% 65.5%
US Market -2% -19.7% -23.2% -15.1% 3.7% 14.4%
1 Year Return vs Industry and Market
  • EVER outperformed the Interactive Media and Services industry which returned -14.1% over the past year.
  • EVER outperformed the Market in United States of America which returned -15.1% over the past year.
Price Volatility
Industry
5yr Volatility vs Market
Related Companies

Value

 Is EverQuote undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of EverQuote to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for EverQuote.

NasdaqGM:EVER Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 8 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 7.3%
Perpetual Growth Rate 10-Year US Government Bond Rate 1.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGM:EVER
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 1.7%
Equity Risk Premium S&P Global 5.4%
Interactive Media and Services Unlevered Beta Simply Wall St/ S&P Global 1.03
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 1.029 (1 + (1- 21%) (0%))
1.019
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.02
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.74% + (1.019 * 5.44%)
7.29%

Discounted Cash Flow Calculation for NasdaqGM:EVER using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for EverQuote is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

Note: Free cash flow to equity valuations ignore the company's cash or debt.

NasdaqGM:EVER DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 7.29%)
2020 10.40 Analyst x2 9.69
2021 20.85 Analyst x2 18.11
2022 29.94 Est @ 43.62% 24.25
2023 39.24 Est @ 31.05% 29.62
2024 47.98 Est @ 22.26% 33.76
2025 55.71 Est @ 16.1% 36.53
2026 62.28 Est @ 11.79% 38.07
2027 67.74 Est @ 8.78% 38.60
2028 72.26 Est @ 6.67% 38.37
2029 76.01 Est @ 5.19% 37.62
Present value of next 10 years cash flows $304.00
NasdaqGM:EVER DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2029 × (1 + g) ÷ (Discount Rate – g)
= $76.01 × (1 + 1.74%) ÷ (7.29% – 1.74%)
$1,394.47
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $1,394.47 ÷ (1 + 7.29%)10
$690.23
NasdaqGM:EVER Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $304.00 + $690.23
$994.23
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $994.23 / 26.77
$37.13
NasdaqGM:EVER Discount to Share Price
Calculation Result
Value per share (USD) From above. $37.13
Current discount Discount to share price of $24.16
= -1 x ($24.16 - $37.13) / $37.13
34.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price EverQuote is available for.
Intrinsic value
35%
Share price is $24.16 vs Future cash flow value of $37.13
Current Discount Checks
For EverQuote to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • EverQuote's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • EverQuote's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for EverQuote's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are EverQuote's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:EVER PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $-0.28
NasdaqGM:EVER Share Price ** NasdaqGM (2020-04-03) in USD $24.16
United States of America Interactive Media and Services Industry PE Ratio Median Figure of 30 Publicly-Listed Interactive Media and Services Companies 23.23x
United States of America Market PE Ratio Median Figure of 2,947 Publicly-Listed Companies 12.4x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of EverQuote.

NasdaqGM:EVER PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:EVER Share Price ÷ EPS (both in USD)

= 24.16 ÷ -0.28

-87.44x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • EverQuote is loss making, we can't compare its value to the US Interactive Media and Services industry average.
  • EverQuote is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does EverQuote's expected growth come at a high price?
Raw Data
NasdaqGM:EVER PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -87.44x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts
66.6%per year
United States of America Interactive Media and Services Industry PEG Ratio Median Figure of 25 Publicly-Listed Interactive Media and Services Companies 1.46x
United States of America Market PEG Ratio Median Figure of 2,010 Publicly-Listed Companies 0.89x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for EverQuote, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on EverQuote's assets?
Raw Data
NasdaqGM:EVER PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $1.96
NasdaqGM:EVER Share Price * NasdaqGM (2020-04-03) in USD $24.16
United States of America Interactive Media and Services Industry PB Ratio Median Figure of 60 Publicly-Listed Interactive Media and Services Companies 1.76x
United States of America Market PB Ratio Median Figure of 5,144 Publicly-Listed Companies 1.2x
NasdaqGM:EVER PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:EVER Share Price ÷ Book Value per Share (both in USD)

= 24.16 ÷ 1.96

12.34x

* Primary Listing of EverQuote.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • EverQuote is overvalued based on assets compared to the US Interactive Media and Services industry average.
X
Value checks
We assess EverQuote's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Interactive Media and Services industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Interactive Media and Services industry average (and greater than 0)? (1 check)
  5. EverQuote has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is EverQuote expected to perform in the next 1 to 3 years based on estimates from 8 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
66.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is EverQuote expected to grow at an attractive rate?
  • EverQuote's earnings growth is expected to exceed the low risk savings rate of 1.7%.
Growth vs Market Checks
  • EverQuote's earnings growth is expected to exceed the United States of America market average.
  • EverQuote's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:EVER Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:EVER Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts 66.6%
NasdaqGM:EVER Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 8 Analysts 14%
United States of America Interactive Media and Services Industry Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Interactive Media and Services Industry Revenue Growth Rate Market Cap Weighted Average 13.1%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.4%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:EVER Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:EVER Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2024-12-31 494 9 1
2023-12-31 453 4 1
2022-12-31 421 4 2
2021-12-31 389 27 0 8
2020-12-31 319 14 -6 8
2020-04-04
NasdaqGM:EVER Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 249 4 -7
2019-09-30 215 5 -13
2019-06-30 189 -5 -17
2019-03-31 175 -5 -43
2018-12-31 163 -2 -51
2018-09-30 156 -3 -47
2018-06-30 146 0 -44
2018-03-31 135 -2 -18
2017-12-31 126 -2 -19

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • EverQuote's earnings are expected to grow significantly at over 20% yearly.
  • EverQuote's revenue is expected to grow by 14% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:EVER Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below

All data from EverQuote Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:EVER Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2024-12-31 0.27 0.27 0.27 1.00
2023-12-31 0.13 0.13 0.13 1.00
2022-12-31 0.15 0.32 -0.02 2.00
2021-12-31 -0.01 0.10 -0.23 8.00
2020-12-31 -0.20 -0.07 -0.34 8.00
2020-04-04
NasdaqGM:EVER Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 -0.28
2019-09-30 -0.51
2019-06-30 -0.68
2019-03-31 -2.05
2018-12-31 -3.03
2018-09-30 -3.65
2018-06-30 -4.96
2018-03-31 -2.10
2017-12-31 -2.18

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • EverQuote is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
X
Future performance checks
We assess EverQuote's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
EverQuote has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has EverQuote performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare EverQuote's growth in the last year to its industry (Interactive Media and Services).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • EverQuote does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.
  • Unable to compare EverQuote's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare EverQuote's 1-year growth to the US Interactive Media and Services industry average as it is not currently profitable.
Earnings and Revenue History
EverQuote's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from EverQuote Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:EVER Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 248.81 -7.12 219.52 20.21
2019-09-30 214.79 -13.11 195.56 18.94
2019-06-30 189.43 -17.09 176.46 17.47
2019-03-31 174.85 -43.25 163.12 16.24
2018-12-31 163.35 -51.21 151.41 14.17
2018-09-30 155.95 -46.78 140.01 12.44
2018-06-30 146.30 -43.58 130.34 10.76
2018-03-31 135.22 -18.10 121.29 9.68
2017-12-31 126.24 -19.16 113.99 9.19
2016-12-31 122.78 -1.59 110.71 6.59

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if EverQuote has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if EverQuote has efficiently used its assets last year compared to the US Interactive Media and Services industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if EverQuote improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess EverQuote's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Interactive Media and Services industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
EverQuote has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is EverQuote's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up EverQuote's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • EverQuote is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • EverQuote's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of EverQuote's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • EverQuote has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from EverQuote Company Filings, last reported 3 months ago.

NasdaqGM:EVER Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 51.77 0.00 46.05
2019-09-30 48.31 0.00 41.95
2019-06-30 43.70 0.00 37.12
2019-03-31 41.79 0.00 37.72
2018-12-31 43.18 0.00 41.63
2018-09-30 46.86 0.00 38.71
2018-06-30 -0.80 6.98 2.38
2018-03-31 0.20 5.77 2.58
2017-12-31 0.39 4.61 2.36
2016-12-31 11.28 4.09 12.40
  • EverQuote has no debt.
  • EverQuote currently has no debt however we can't compare to 5 years ago as we have no data for that period.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Whilst loss making EverQuote has sufficient cash runway for more than 3 years if it maintains the current positive free cash flow level.
  • Whilst loss making EverQuote has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 33.5% per year.
X
Financial health checks
We assess EverQuote's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. EverQuote has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is EverQuote's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from EverQuote dividends. Estimated to be 0% next year.
If you bought $2,000 of EverQuote shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate EverQuote's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate EverQuote's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:EVER Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below
Global Interactive Media and Services Industry Average Dividend Yield Market Cap Weighted Average of 43 Stocks 0.5%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1938 Stocks 3.1%
United States of America Minimum Threshold Dividend Yield 10th Percentile 1.1%
United States of America Bottom 25% Dividend Yield 25th Percentile 2.1%
United States of America Top 25% Dividend Yield 75th Percentile 5.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:EVER Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2024-12-31
2023-12-31
2022-12-31
2021-12-31 0.00 1.00
2020-12-31 0.00 1.00
2020-04-04

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as EverQuote has not reported any payouts.
  • Unable to verify if EverQuote's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of EverQuote's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as EverQuote has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of EverQuote's dividends in 3 years as they are not expected to pay a notable one for United States of America.
X
Income/ dividend checks
We assess EverQuote's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can EverQuote afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. EverQuote has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of EverQuote's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Seth Birnbaum
COMPENSATION $11,770,745
AGE 45
TENURE AS CEO 9.6 years
CEO Bio

Mr. Seth N. Birnbaum is a Co-Founder, Chief Executive Officer and President at EverQuote, Inc. since September 2010. Mr. Birnbaum Co-founded Verdasys Inc. in 2002 and served as its Chief Executive Officer until October 18, 2010. He Co-Founded NeoGenesis Pharmaceuticals, Inc. and also served as its Vice President of Systems Engineering since March 2001. He Co-Founded Digital Guardian, Inc. and also served as its Chief Executive Officer until October 18, 2010. He has a broad range of engineering skills, information technology expertise and start-up experience. Prior to his work at NeoGenesis, he served as Project Engineer of Diversified Technologies Inc., a leading provider of high power modulators, DC power supplies and control systems, where he was responsible for manufacturing operations of all high-energy and material handling systems. He also served as a Project Consultant to Scripps Institute from August 1996 to May 1997, where he was responsible for the design of laboratory automation systems for life science and chemical research. From March 1997 to February 2001, he served as a Director of Engineering and ALIS Operations, Director of Engineering and ALIS Project and Laboratory Engineer. He founded and served as Vice President of Engineering of Trakus, Inc. from 1996 to 1997. He serves as a Director at EverQuote, Inc. since September 2010. He served as Director of Verdasys Inc. until October 18, 2010. He served as a Member of the Board of Trakus, Inc. from 1996 to 1997. He holds of a number of patents in chemistry and drug discovery technologies and computing systems. He served as an Executive Director of Digital Guardian, Inc. until October 18, 2010. Mr. Birnbaum received his BS in Engineering from MIT.

CEO Compensation
  • Seth's compensation has increased whilst company is loss making.
  • Seth's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the EverQuote management team in years:

5.2
Average Tenure
44
Average Age
  • The average tenure for the EverQuote management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Dave Blundin

TITLE
Co-Founder & Chairman
AGE
52

Seth Birnbaum

TITLE
Co-Founder
COMPENSATION
$12M
AGE
45
TENURE
9.6 yrs

Tomas Revesz

TITLE
Co-Founder & CTO
COMPENSATION
$12M
AGE
44

David Mason

TITLE
General Counsel & Secretary
COMPENSATION
$2M
AGE
43
TENURE
6.2 yrs

John Wagner

TITLE
CFO & Treasurer
AGE
45
TENURE
6 yrs

Jayme Mendal

TITLE
Chief Operating Officer
COMPENSATION
$1M
AGE
33
TENURE
1.2 yrs

Gene Suzuki

TITLE
Chief Information Officer
AGE
43
TENURE
4.4 yrs

Jiyan Wei

TITLE
Chief Compliance Officer
TENURE
12.2 yrs

Joseph Sanborn

TITLE
Senior Vice President of Corporate Development & Strategy
TENURE
0.5 yrs

Elyse Neumeier

TITLE
Chief People Officer
TENURE
0.6 yrs
Board of Directors Tenure

Average tenure and age of the EverQuote board of directors in years:

3.2
Average Tenure
53
Average Age
  • The tenure for the EverQuote board of directors is about average.
Board of Directors

Dave Blundin

TITLE
Co-Founder & Chairman
AGE
52
TENURE
11.7 yrs

Seth Birnbaum

TITLE
Co-Founder
COMPENSATION
$12M
AGE
45
TENURE
9.6 yrs

George Neble

TITLE
Independent Director
COMPENSATION
$150K
AGE
62
TENURE
1.9 yrs

Sanju Bansal

TITLE
Independent Director
COMPENSATION
$145K
AGE
53
TENURE
5.9 yrs

John Lunny

TITLE
Independent Director
COMPENSATION
$140K
AGE
53
TENURE
5.8 yrs

Mira Wilczek

TITLE
Director
COMPENSATION
$786K
AGE
37
TENURE
3.2 yrs

John Shields

TITLE
Independent Director
COMPENSATION
$145K
AGE
66
TENURE
1.9 yrs

Paul Deninger

TITLE
Independent Director
AGE
60
TENURE
1 yrs

Satayan Mahajan

TITLE
Member of Advisory Board
TENURE
0.9 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by EverQuote individual insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
12. Mar 20 Sell Cogo Labs, Inc. Company 10. Mar 20 10. Mar 20 -6,061 $35.13 $-212,923
09. Mar 20 Sell Cogo Labs, Inc. Company 05. Mar 20 09. Mar 20 -8,115 $38.10 $-297,898
28. Feb 20 Buy Steven Brooks Individual 27. Feb 20 27. Feb 20 640 $38.32 $24,525
03. Jan 20 Sell Eugene Suzuki Individual 31. Dec 19 31. Dec 19 -157 $33.40 $-5,244
19. Nov 19 Sell Zachary Abrams Individual 14. Nov 19 14. Nov 19 -21,216 $28.59 $-606,565
20. Nov 19 Sell Link Equity Partners, LLC Company 19. Nov 19 20. Nov 19 -566,000 $30.34 $-17,031,386
19. Nov 19 Sell Stratim Capital, LLC Company 14. Nov 19 14. Nov 19 -203,466 $28.59 $-5,817,093
14. Nov 19 Sell Stratim Capital, LLC Company 11. Nov 19 13. Nov 19 -310,318 $30.26 $-9,213,223
12. Nov 19 Buy Steven Brooks Individual 07. Nov 19 07. Nov 19 1,600 $29.35 $46,960
08. Nov 19 Sell John Wagner Individual 07. Nov 19 08. Nov 19 -4,924 $30.05 $-145,566
08. Nov 19 Sell David Mason Individual 08. Nov 19 08. Nov 19 -13,900 $29.17 $-405,463
26. Aug 19 Sell John Shields Individual 21. Aug 19 21. Aug 19 -5,000 $25.05 $-125,250
12. Aug 19 Sell John Shields Individual 08. Aug 19 08. Aug 19 -56,472 $19.40 $-1,095,557
12. Aug 19 Sell David Mason Individual 08. Aug 19 08. Aug 19 -4,000 $19.27 $-77,080
X
Management checks
We assess EverQuote's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. EverQuote has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

This Insider Has Just Sold Shares In EverQuote, Inc. (NASDAQ:EVER)

Check out our latest analysis for EverQuote EverQuote Insider Transactions Over The Last Year In the last twelve months, the biggest single sale by an insider was when the Director, John Shields, sold US$1.1m worth of shares at a price of US$19.40 per share. … We generally consider it a negative if insiders have been selling, especially if they did so below the current price, because it implies that they considered a lower price to be reasonable. … It's not too encouraging to see that insiders have sold at below the current price.

Simply Wall St -

EverQuote (NASDAQ:EVER) Shareholders Have Enjoyed A 27% Share Price Gain

While the share price performed well, gaining 27% over twelve months, you could argue the revenue growth warranted it. … But before deciding this growth stock is underappreciated, you might want to check out profitability trends (and cash flow) NasdaqGM:EVER Income Statement, August 7th 2019 We consider it positive that insiders have made significant purchases in the last year. … EverQuote is not the only stock that insiders are buying.

Simply Wall St -

EverQuote, Inc. (NASDAQ:EVER) Insiders Increased Their Holdings

So we'll take a look at whether insiders have been buying or selling shares in EverQuote, Inc. … While EverQuote insiders bought shares last year, they didn't sell. … I like to look at how many shares insiders own in a company, to help inform my view of how aligned they are with insiders.

Simply Wall St -

Are Insiders Buying EverQuote, Inc. (NASDAQ:EVER) Stock?

However, most countries require that the company discloses such transactions to the market. … For example, a Columbia University study found that 'insiders are more likely to engage in open market purchases of their own company’s stock when the firm is about to reveal new agreements with customers and suppliers'. … Over the last year, we can see that the biggest insider purchase was by Zachary Abrams for US$241k worth of shares, at about US$18.02 per share.

Simply Wall St -

What You Must Know About EverQuote Inc's (NASDAQ:EVER) Financial Strength

The direct benefit for EverQuote Inc (NASDAQ:EVER), which sports a zero-debt capital structure, to include debt in its capital structure is the reduced cost of capital. … However, the trade-off is EVER will have to adhere to stricter debt covenants and have less financial flexibility. … Is financial flexibility worth the lower cost of capital.

Simply Wall St -

Company Info

Description

EverQuote, Inc. operates an online marketplace for insurance shopping in the United States. Its online marketplace offers consumers shopping for auto, home and renters, life, health, and commercial insurance. The company serves carriers, agents, and indirect distributors and aggregators. 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 headquartered in Cambridge, Massachusetts.

Details
Name: EverQuote, Inc.
EVER
Exchange: NasdaqGM
Founded: 2008
$646,870,929
26,774,459
Website: http://www.everquote.com
Address: EverQuote, Inc.
210 Broadway,
Cambridge,
Massachusetts, 02139,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM EVER Class A Common Stock Nasdaq Global Market US USD 28. Jun 2018
Number of employees
Current staff
Staff numbers
250
EverQuote employees.
Industry
Interactive Media and Services
Media
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/04 03:22
End of day share price update: 2020/04/03 00:00
Last estimates confirmation: 2020/04/01
Last earnings filing: 2020/03/13
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.