EverQuote, Inc. (EVER) Q3 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 03 2025
0mins
Should l Buy EVER?
Source: SeekingAlpha
Total Revenue $173.9 million, a 20% year-over-year increase. The growth was primarily driven by stronger enterprise carrier spend, which was up over 27% from the comparable period last year.
Revenue from Auto Insurance Vertical $157.6 million, a 21% year-over-year increase. This growth reflects increased spending in the auto insurance sector.
Revenue from Home and Renters Insurance Vertical $16.3 million, a 15% year-over-year increase. This growth reflects increased spending in the home and renters insurance sector.
Variable Marketing Dollars (VMD) $50.1 million, a 14% year-over-year increase. This reflects the company's ability to scale marketing efforts effectively.
Variable Marketing Margin (VMM) 28.8% for the quarter, reflecting efficient marketing operations.
Net Income $18.9 million, up from $11.6 million in the prior year period, reflecting improved profitability.
Adjusted EBITDA $25.1 million, a 33% year-over-year increase. This growth significantly outpaced revenue growth and reflects enhanced operating performance.
Adjusted EBITDA Margin 14.4%, reflecting improved profitability and operational efficiency.
Cash Operating Expenses $25.1 million, effectively flat year-over-year, despite planned investments in AI and technology capabilities.
Operating Cash Flow $19.8 million, reflecting strong cash generation despite temporary timing differences in working capital.
Share Repurchase 900,000 shares of Class A common stock for $21 million, reducing shares outstanding by 2% and reflecting confidence in long-term growth and free cash flow generation.
Cash and Cash Equivalents $146 million, with no debt, reflecting a strong balance sheet.
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Analyst Views on EVER
Wall Street analysts forecast EVER stock price to rise
5 Analyst Rating
3 Buy
2 Hold
0 Sell
Moderate Buy
Current: 14.490
Low
32.00
Averages
35.00
High
40.00
Current: 14.490
Low
32.00
Averages
35.00
High
40.00
About EVER
EverQuote, Inc. operates an online marketplace for consumers shopping for auto and home and renters insurance quotes. The Company operates a marketplace connecting insurance providers to a large volume of high-intent, pre-validated consumer referrals that match the insurers' specific underwriting and profitability requirements. Its marketplace enables consumers to choose to visit an insurance provider's Website to purchase a policy or engage with a carrier or agent by phone or submit their data to insurance providers to receive quotes. Its technology platform combines internally developed, third-party and open-source software. Its Websites and supporting services, as well as its development and test environments, are hosted across industry-standard cloud providers, such as Amazon Web Services and Google Cloud Platform. The Company's insurance provider customers include insurance carriers and third-party insurance agents.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Strategic Focus Shift: This financing marks a strategic repositioning for Evergold, concentrating on its 100%-owned Golden Lion gold-silver project, aiming to leverage the project's potential for long-term growth.
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- Live Streaming and Replay: The conference will feature live audio webcasts and archived replays available on EverQuote's investor relations website, ensuring that investors unable to attend in person can still access key information, thereby enhancing communication between the company and its investors.
- Strategic Vision: EverQuote's vision is to be the leading growth partner for property and casualty insurance providers, continuously optimizing its marketplace platform to improve the connection efficiency between insurers and consumers, which will drive long-term business growth.
See More
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- Project Repositioning: This financing will enable Evergold to focus on its 100%-owned Golden Lion project located in the Toodoggone district of British Columbia, which has substantial mineral potential and is expected to attract increased investor interest.
- Technical Team Advantage: Ore Group will provide Evergold with expertise in capital markets strategy and investor relations, leveraging its experience in successfully advancing multiple exploration companies to enhance Evergold's market position.
- Future Development Plans: Evergold intends to conduct systematic drilling at the Golden Lion project to identify higher-grade mineralization and evaluate the potential of the recently acquired “Copper King” claims, further expanding its resource base.
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- Investor Sentiment: With the market nearing highs, investor sentiment is optimistic, potentially driving more capital into the technology and pharmaceutical sectors, further enhancing valuations in these areas.
- Technical Analysis Signals: The formation of new buy points may attract the attention of technical analysts, prompting increased trading activity that could influence short-term stock price fluctuations.
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