EVERQUOTE INC - CLASS A (EVER) Stock Fundamental Analysis
NASDAQ:EVER - Nasdaq - US30041R1086 - Common Stock - Currency: USD
Overall EVER gets a fundamental rating of 6 out of 10. We evaluated EVER against 70 industry peers in the Interactive Media & Services industry. EVER has an excellent financial health rating, but there are some minor concerns on its profitability. EVER is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EVER was profitable.
In the past year EVER had a positive cash flow from operations.
EVER had negative earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: EVER reported negative operating cash flow in multiple years.
1.2 Ratios
EVER has a better Return On Assets (15.28%) than 91.43% of its industry peers.
Looking at the Return On Equity, with a value of 23.76%, EVER belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
EVER has a better Return On Invested Capital (18.19%) than 92.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.28% | ||
| ROE | 23.76% | ||
| ROIC | 18.19% |
ROA(3y)-15.52%
ROA(5y)-13.75%
ROE(3y)-20.77%
ROE(5y)-20.18%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
EVER's Profit Margin of 6.43% is fine compared to the rest of the industry. EVER outperforms 77.14% of its industry peers.
Looking at the Operating Margin, with a value of 6.35%, EVER is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
EVER has a better Gross Margin (95.82%) than 98.57% of its industry peers.
EVER's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.35% | ||
| PM (TTM) | 6.43% | ||
| GM | 95.82% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.54%
GM growth 5Y0.47%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), EVER is creating value.
EVER has more shares outstanding than it did 1 year ago.
The number of shares outstanding for EVER has been increased compared to 5 years ago.
There is no outstanding debt for EVER. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
An Altman-Z score of 8.74 indicates that EVER is not in any danger for bankruptcy at the moment.
EVER has a better Altman-Z score (8.74) than 90.00% of its industry peers.
EVER has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 8.74 |
ROIC/WACC2.03
WACC8.98%
2.3 Liquidity
A Current Ratio of 2.36 indicates that EVER has no problem at all paying its short term obligations.
EVER has a Current ratio (2.36) which is comparable to the rest of the industry.
EVER has a Quick Ratio of 2.36. This indicates that EVER is financially healthy and has no problem in meeting its short term obligations.
With a Quick ratio value of 2.36, EVER perfoms like the industry average, outperforming 58.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.36 | ||
| Quick Ratio | 2.36 |
3. Growth
3.1 Past
EVER shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 160.56%, which is quite impressive.
Looking at the last year, EVER shows a very strong growth in Revenue. The Revenue has grown by 73.73%.
EVER shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.99% yearly.
EPS 1Y (TTM)160.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%273.68%
Revenue 1Y (TTM)73.73%
Revenue growth 3Y6.12%
Revenue growth 5Y14.99%
Sales Q2Q%164.71%
3.2 Future
The Earnings Per Share is expected to grow by 22.63% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 11.92% on average over the next years. This is quite good.
EPS Next Y29.28%
EPS Next 2Y27.66%
EPS Next 3Y22.63%
EPS Next 5YN/A
Revenue Next Year28.53%
Revenue Next 2Y19.92%
Revenue Next 3Y16.7%
Revenue Next 5Y11.92%
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
EVER is valuated quite expensively with a Price/Earnings ratio of 26.52.
Based on the Price/Earnings ratio, EVER is valued a bit cheaper than the industry average as 61.43% of the companies are valued more expensively.
EVER's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.29.
A Price/Forward Earnings ratio of 20.52 indicates a rather expensive valuation of EVER.
The rest of the industry has a similar Price/Forward Earnings ratio as EVER.
When comparing the Price/Forward Earnings ratio of EVER to the average of the S&P500 Index (21.08), we can say EVER is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.52 | ||
| Fwd PE | 20.52 |
4.2 Price Multiples
EVER's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EVER is cheaper than 67.14% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, EVER is valued a bit cheaper than the industry average as 74.29% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.05 | ||
| EV/EBITDA | 19.04 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EVER's earnings are expected to grow with 22.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.91
PEG (5Y)N/A
EPS Next 2Y27.66%
EPS Next 3Y22.63%
5. Dividend
5.1 Amount
EVER does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
22.81
+0.92 (+4.2%)
Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryInteractive Media & Services
Earnings (Last)
Earnings (Next)
Inst Owners82.59%
Inst Owner Change0%
Ins Owners3.98%
Ins Owner Change1.84%
Market Cap814.77M
Analysts80
Price Target33.89 (48.58%)
Short Float %5.45%
Short Ratio2.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)52.38%
Min EPS beat(2)39.2%
Max EPS beat(2)65.55%
EPS beat(4)4
Avg EPS beat(4)169.48%
Min EPS beat(4)39.2%
Max EPS beat(4)407.2%
EPS beat(8)7
Avg EPS beat(8)97.65%
EPS beat(12)11
Avg EPS beat(12)78.08%
EPS beat(16)14
Avg EPS beat(16)60.26%
Revenue beat(2)2
Avg Revenue beat(2)4.49%
Min Revenue beat(2)0.96%
Max Revenue beat(2)8.02%
Revenue beat(4)4
Avg Revenue beat(4)7.96%
Min Revenue beat(4)0.96%
Max Revenue beat(4)11.7%
Revenue beat(8)7
Avg Revenue beat(8)5.17%
Revenue beat(12)10
Avg Revenue beat(12)4.82%
Revenue beat(16)13
Avg Revenue beat(16)3.68%
PT rev (1m)0%
PT rev (3m)8%
EPS NQ rev (1m)9.52%
EPS NQ rev (3m)183.25%
EPS NY rev (1m)33.63%
EPS NY rev (3m)36.25%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)19.25%
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)8.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.52 | ||
| Fwd PE | 20.52 | ||
| P/S | 1.63 | ||
| P/FCF | 13.05 | ||
| P/OCF | 12.24 | ||
| P/B | 6.02 | ||
| P/tB | 7.37 | ||
| EV/EBITDA | 19.04 |
EPS(TTM)0.86
EY3.77%
EPS(NY)1.11
Fwd EY4.87%
FCF(TTM)1.75
FCFY7.66%
OCF(TTM)1.86
OCFY8.17%
SpS14
BVpS3.79
TBVpS3.1
PEG (NY)0.91
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.28% | ||
| ROE | 23.76% | ||
| ROCE | 23.03% | ||
| ROIC | 18.19% | ||
| ROICexc | 70.13% | ||
| ROICexgc | 227.78% | ||
| OM | 6.35% | ||
| PM (TTM) | 6.43% | ||
| GM | 95.82% | ||
| FCFM | 12.49% |
ROA(3y)-15.52%
ROA(5y)-13.75%
ROE(3y)-20.77%
ROE(5y)-20.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.54%
GM growth 5Y0.47%
F-Score7
Asset Turnover2.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 72.53% | ||
| Cap/Sales | 0.82% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 177.88% | ||
| Profit Quality | 194.14% | ||
| Current Ratio | 2.36 | ||
| Quick Ratio | 2.36 | ||
| Altman-Z | 8.74 |
F-Score7
WACC8.98%
ROIC/WACC2.03
Cap/Depr(3y)69.28%
Cap/Depr(5y)75.66%
Cap/Sales(3y)1.07%
Cap/Sales(5y)1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)160.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%273.68%
EPS Next Y29.28%
EPS Next 2Y27.66%
EPS Next 3Y22.63%
EPS Next 5YN/A
Revenue 1Y (TTM)73.73%
Revenue growth 3Y6.12%
Revenue growth 5Y14.99%
Sales Q2Q%164.71%
Revenue Next Year28.53%
Revenue Next 2Y19.92%
Revenue Next 3Y16.7%
Revenue Next 5Y11.92%
EBIT growth 1Y211.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year186.1%
EBIT Next 3Y57.3%
EBIT Next 5Y33.04%
FCF growth 1Y1036.59%
FCF growth 3Y143.42%
FCF growth 5Y112.84%
OCF growth 1Y2453.82%
OCF growth 3Y109.98%
OCF growth 5Y72.09%