EverQuote Tops Q4 Estimates on Solid Automotive, Home Insurance Growth

EverQuote, Inc. price-consensus-eps-surprise-chart | EverQuote, Inc. Quote

EVER’s Q4 Results in Detail

Revenues in the Automotive insurance vertical grew 32.3% year over year to $179.9 million, surpassing the Zacks Consensus Estimate of $164.1 million. Our estimate was $164 million.

Revenues in the Home and Renters insurance vertical increased 36.5% year over year to $15.4 million, exceeding the Zacks Consensus Estimate of $13 million. Our estimate was $13.1 million.

Revenues in the Other insurance vertical declined 96.9% year over year to $0.01 million.

Total costs and operating expenses rose 30.5% year over year to $176.7 million, mainly due to higher sales and marketing, research and development costs and general and administrative expenses. Our estimate was $155.5 million.

EverQuote’s variable marketing dollars increased 12.1% year over year to $49.3 million, which beat the Zacks Consensus Estimate of $47.3 million.

Adjusted EBITDA rose 32.5% year over year to $25.1 million, which outpaced our estimate of $23 million. The adjusted EBITDA margin expanded to 12.8% for the quarter.

EVER’s Full-Year 2025 Update

EverQuote Inc. reported full-year net income per share of $2.63, surging 198.9% year over year.

Total revenues increased to $692.5 million, representing a 38.5% year-over-year growth.

Full-year adjusted EBITDA rose 62.5% year over year to $94.6 million.

EVER’s Financial Update

EverQuote exited 2025 with cash and cash equivalents of $171.4 million, up 67.8% from 2024-end. Total assets were $326.9 million, up 55.3% from 2024-end. Total stockholders' equity increased 75.8% to $238 million.

Cash from operations was $95.4 million in 2025, which increased 43.3% year over year.

EVER introduced a $50 million share repurchase program last July. To date, it has bought back nearly $30 million worth of shares, including approximately $9 million worth repurchased since the beginning of 2026.

EVER’s Q1 2026 Guidance

EverQuote expects revenues to be in the range of $175-$185 million. Variable marketing dollars are projected to be between $49.0 million and $52.0 million. Adjusted EBITDA is anticipated to be in the range of $23.5-$26.5 million.

Zacks Rank

EVER currently sports a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.

Performance of Other Insurers

Arch Capital Group Ltd. ACGL reported fourth-quarter 2025 operating income of $2.98 per share, which beat the Zacks Consensus Estimate by 19.7%. The bottom line increased 31.9% year over year. ACGL’s quarterly results benefited from higher premiums in its insurance segment and improved net investment income.

Arch Capital’s net premiums earned rose 2.7% year over year to $4.3 billion on higher premiums earned in its insurance segment. The figure marginally missed the Zacks Consensus Estimate.

MGIC Investment Corporation MTG reported fourth-quarter 2025 operating net income per share of 75 cents, which beat the Zacks Consensus Estimate by 2.7%. The bottom line improved 4.2% year over year.

MGIC Investment's total operating revenues declined 0.9% year over year to $298.7 million, attributable to lower net premiums earned and other revenues. The top line missed the Zacks Consensus Estimate by 2.9% despite stable investment income.

AXIS Capital Holdings Limited AXS reported fourth-quarter 2025 operating income of $3.25 per share, which outpaced the Zacks Consensus Estimate by 9.4% and rose 9.4% year over year.

AXIS Capital’s total operating revenues of $1.7 billion beat the Zacks Consensus Estimate by 5.2%. The top line rose nearly 9% year over year on higher premiums earned. Net premiums written surged 13% to $1.4 billion, with an increase of 14% in Insurance and growth of 5% in Reinsurance.