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EverQuote Inc. (Class A) (EVER) — RQD Stock Rating Cockpit

$24.27 +3.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $24.47

EverQuote Inc. (Class A) (EVER) earns a Roarable Rating of A- (Buy) with 81/100 RQD Confidence. High-quality cash engine (96.0% gross margin, 69% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE A- • BUY Cap $828.5M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on EVER Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EVER stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, EverQuote Inc. (Class A) (NASDAQ: EVER) is rated A- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 81/100 at a spot price of $24.27 (+3.23% 1D, market cap $828.5M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 18/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 19/20. Active quantitative signal LIQUIDITY_TAILWIND (BEARISH, conviction undefined/100) notes: undefined.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EVER compare to CEVA and YALA in the Technology sector?
▼

Within the Technology sector (Computer Software: Programming Data Processing), EVER carries a Roarable A- (81/100 RQD), trailing P/E of 8.1x, gross margin of 96.0%, and ROIC of 69.1%. By comparison, CEVA (CEVA Inc.) holds a E grade (26/100 RQD, P/E N/A, ROIC -3.0%, cap $831.1M) and YALA (Yalla Group Limited each representing one Class A Ordinary Share) posts a C grade (62/100 RQD, P/E 5.8x, ROIC 34.1%, cap $833.5M). Among the 5-stock peer group, YALA leads on earnings multiple (5.8x) while EVER leads on capital efficiency (69.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EVER?
▼

Per EVER's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001640428), EverQuote Inc. (Class A) generated $692.5M in revenue (+38.5% YoY), $99.3M in net income, and $95.4M in free cash flow against $326.9M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (96.0% gross margin)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $24.47 (+0.82%)🧬 Cannibal Buyback (-3.20% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 13.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 81/100 (A-) historically ranked in the Top 8% of excess returns over the next 90 days (+8.4% avg 90D alpha vs SPY • 71.6% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • A-
025507510081
3-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw A- · Rk B+
Cash (16)Whales (14)SEC (18)Macro (14)CEO (19)
Each axis scored 0–20
12M PRICE TARGET CONE+10.3% Base Target
$32 Bull$27 Base$20 Bear
📬 FREE EVER RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EVER)Realized 20D OHLCV Swing Band: ±10.1%
Deterministic 5-Pillar Attribution (81/100 Composite)
🔍 WHY EVER SCORES 81/100 (A-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+19/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-3.20% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+18/20 pts (22% of score)

Altman Z-Score 8.40 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Macro Regime Fit14/20 pts (-6 pt drag)

Macro rate sensitivity & RSI-14 (58.8) create a -6 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
73
Grade B$20.61+10.2% Next Q
Q2 (-2Q)
76
Grade B+$22.72-5.5% Next Q
Q3 (-1Q)
78
Grade A-$21.47+13% Next Q
Current
81
Grade A-$24.27+8.4% Hist 90D α
Trajectory: B (73) → A- (81)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EVER Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 81/100 (A-) score, EVER faces multiple-compression risk if 8.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-3.20% YoY Shares) — any gross margin slip below 94.7% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.23) or 200D SMA ($20.40) invalidates the momentum regime and cuts Target Base ($26.78) toward Bear Floor ($19.90).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EVER• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “EVER Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 81%NO 19%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
58.830 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
8.40>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE70% OF RANGE
L: $14$24.27H: $29
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (96.0% gross margin and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: A-RQD 33 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 32 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

3-of-3 Quant Analysts Bullish on EVER

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (80)

69.1% ROIC with 96.0% gross margin and 11.87% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (90)

Altman-Z 8.40 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (78)

33/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like EVER
  • ✓Strong cash generator (96.0% gross margin)—profits are backed by real money, not accounting tricks.
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (EVER Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
EVER // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +66.12%▲ RESISTANCE BREAKOUT
2026-11-03O $22.80H $24.27L $22.80C $24.27VOL 949.0K
RES: $23.90SUP: $13.55SMA50: $22.23SMA200: $20.40
$29.27$25.24$21.20$17.16$13.13RES $23.90SUP $13.55$24.272026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EVER Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EVER Butterfly Map → + Track EVER →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-5.2%/yr Implied 5Y Growth

vs. +38.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EVER today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EVER. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for EVER today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EVER)

Technology Rank #9 of 715 ⚔️ CEVA vs EVER Full Matrix →

1. Head-to-Head Technology Peer Comparison (EVER vs. CEVA, YALA, DSP, NXDR)

Industry: Computer Software: Programming Data Processing (72 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, EverQuote Inc. (Class A) (EVER) ranks #9 by composite RQD confidence (81/100, grade A-) and #367 by equity capitalization ($828.5M). Within this direct 5-issuer industry benchmark cohort, YALA leads on earnings valuation at 5.8x trailing P/E, while EVER leads on capital efficiency and profitability with 69.1% ROIC and 96.0% gross margin. EVER currently leads its immediate peer cohort in composite quantitative strength at 81/100 (A-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
EVER ACTIVE
EverQuote Inc. (Class A)
A- 81/100 8.1x 96.0% 69.1% +3.23% $828.5M Benchmark Subject
CEVA
CEVA Inc.
E 26/100 — 87.1% -3.0% -4.81% $831.1M /ceva-vs-ever →
YALA
Yalla Group Limited each representing one Class A Ordinary Share
C 62/100 5.8x 67.3% 34.1% +0.18% $833.5M /yala-vs-ever →
DSP
Viant Technology Inc. (Class A)
C+ 69/100 106.2x 45.8% 21.5% -0.86% $853.2M /dsp-vs-ever →
NXDR
Nextdoor Holdings Inc. (Class A)
D 47/100 — 84.1% -15.4% -0.45% $866.5M /nxdr-vs-ever →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001640428 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), EverQuote Inc. (Class A) (EVER) reported GAAP revenue of $692.5M (+38.5% vs. FY2024 revenue of $500.2M , and +140.5% cumulative change since FY2023) , GAAP net income of $99.3M, operating cash flow of $95.4M, and free cash flow of $95.4M (+43.3% YoY). On the balance sheet, EVER closed FY2025 with $326.9M in total assets against $0 in total debt (Altman Z-Score: 8.40, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $692.5M $99.3M $95.4M $95.4M $326.9M —
FY2024 (FY) 2024-12-31 $500.2M $32.2M $66.6M $66.6M $210.5M —
FY2023 (FY) 2023-12-31 $287.9M -$51.3M -$2.8M -$2.8M — —

3. EVER Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EVER stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, EverQuote Inc. (Class A) (NASDAQ: EVER) is rated A- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 81/100 at a spot price of $24.27 (+3.23% 1D, market cap $828.5M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 18/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 19/20. Active quantitative signal LIQUIDITY_TAILWIND (BEARISH, conviction undefined/100) notes: undefined.

How does EVER compare to CEVA and YALA in the Technology sector?

Within the Technology sector (Computer Software: Programming Data Processing), EVER carries a Roarable A- (81/100 RQD), trailing P/E of 8.1x, gross margin of 96.0%, and ROIC of 69.1%. By comparison, CEVA (CEVA Inc.) holds a E grade (26/100 RQD, P/E N/A, ROIC -3.0%, cap $831.1M) and YALA (Yalla Group Limited each representing one Class A Ordinary Share) posts a C grade (62/100 RQD, P/E 5.8x, ROIC 34.1%, cap $833.5M). Among the 5-stock peer group, YALA leads on earnings multiple (5.8x) while EVER leads on capital efficiency (69.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EVER?

Per EVER's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001640428), EverQuote Inc. (Class A) generated $692.5M in revenue (+38.5% YoY), $99.3M in net income, and $95.4M in free cash flow against $326.9M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (96.0% gross margin)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EVER trading relative to its 50-day, 200-day, and 52-week technical levels?

EVER last traded at $24.27 (+3.23% on volume of 649,553 shares), positioning the stock +9.18% above its 50-day simple moving average ($22.23) and +18.97% above its 200-day simple moving average ($20.40). Across its 52-week range of $13.88 to $28.73, EVER sits at the 70.0% percentile with a 14-day RSI of 58.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±10.1% ($21.82 to $26.72).

Direct Sub-Reports: EVER RQD Cockpit EVER 12M Forecast EVER Earnings & Move EVER Dividends & DRIP EVER Insiders & 13F EVER Whale Options EVER Profit Sankey EVER News & Why
ROARABLE RATING BRIEF • RQD 81/100 (A-) ✓ SEC XBRL & RQD VERIFIED

EVER — EverQuote Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

EverQuote Inc. (Class A) (EVER) earns a live Roarable RQD composite score of 81/100, corresponding to a A- letter grade (Roarable Buy) at a spot price of $24.27 (+3.23% 1D, market capitalization $828.5M).

  • Fundamental Cash Engine (16/20): Anchored by return on invested capital (ROIC) of 69.1%, gross margin of 96.0%, operating margin of 8.4%, and free cash flow yield of 11.87%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (19/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (18/20): Incorporates a 1.00x equity beta, Altman Z-Score of 8.40, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

EverQuote Inc. (Class A) is a NASDAQ-listed issuer in the Technology sector, Computer Software: Programming Data Processing industry..8B. Per the market data, gross margin is 96%.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), EverQuote Inc. (Class A) (EVER) reported $692.5M in annual revenue (up from $500.2M in FY2024, +38.5% YoY) and $99.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($287.9M revenue, -$51.3M net income) through FY2025, EVER scaled operating cash flow to $95.4M and free cash flow to $95.4M, backed by $326.9M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (A- • RQD 81/100): Strong cash generator (96.0% gross margin)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 16/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $13.88 – $28.73 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 8.1x trailing P/E and 10.8x EV/EBITDA against 8.4% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The sector and industry classifications are Technology and Computer Software: Programming Data Processing. The only sector-level signal is the liquidity channel: per the Butterfly graph, EVER's returns show a 2.03x sensitivity to net liquidity, so a tightening in the liquidity index would be expected to weigh on the stock more than the market. A second-order bottleneck to watch is the liquidity trend itself, since the -0.64% 4-week rate of change and the BEARISH direction are the only forward-looking macro inputs in the source data.

  • Key Question #1: Can EVER sustain or expand its 8.4% operating margin and 69.1% ROIC against Computer Software: Programming Data Processing peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $692.5M and free cash flow of $95.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is EVER's 6.8x forward P/E multiple to Technology capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

EVER Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for EverQuote Inc. (Class A) (EVER) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EVER Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EVER Bull vs. Bear Conversation Board — What's Your Call at $24.27?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EVER 🐻 33% BEARISH CONVICTION
1. Pick Your Side on EVER:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $27.51 (+17.0%)
📌 Pinned Debate

Revenue rose from $287.9M to $692.5M across FY 2023–FY 2025 while the RQD rating reports ROIC of 69.1% and an FCF yield of 11.87%.

The street is overcomplicating EverQuote Inc. (Class A) (EVER). Revenue rose from $287.9M to $692.5M across FY 2023–FY 2025 while the RQD rating reports ROIC of 69.1% and an FCF yield of 11.87%.. With an RQD score of 81/100 (A-) and Forensic Balance Sheet at 18/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $25.39.

ArenaChamp_24 🐂 BULL

@ShortSeller_Dan Fair point on 8.1x trailing P/E, but you're ignoring the forward operating leverage in Computer Software: Programming Data Processing. If gross margin (96.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $20.22 (-14.0%)
Spot @ $23.51

The Butterfly liquidity signal is BEARISH at severity 82 with a 2.03x Net Liquidity beta and a terminal score of 29/100.

The Butterfly liquidity signal is BEARISH at severity 82 with a 2.03x Net Liquidity beta and a terminal score of 29/100.. Look at the math on EVER: paying 8.1x trailing P/E for 69.1% ROIC and 8.4% operating margins leaves zero margin of safety if Computer Software: Programming Data Processing demand softens. I'd wait for a retest of $20.69 before getting long.

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