GET DAILY SIGNALSEverQuote (EVER) Delivers +25% Revenue Growth in Q3 2026
Key Takeaways
- Revenue rose 25% year over year to $218.1 million, beating the roughly $203.2 million consensus estimate and clearing management's own guidance range of $198 million to $208 million.
- GAAP net income was $18.2 million, with diluted earnings per share of $0.49, essentially in line with analyst expectations.
- Adjusted EBITDA (earnings before interest, taxes, depreciation, and amortization) jumped 41% to $35.5 million, above guidance, at a 16.3% margin.
- The home and renters vertical surged 70% to $27.7 million, while auto insurance grew 21% to $190.4 million.
- Fourth-quarter guidance calls for revenue of $213 million to $223 million and adjusted EBITDA of $29 million to $32 million.
- The company ended the quarter with $229.1 million in cash, no debt, and a newly authorized $50 million share repurchase program.
- For more context on EverQuote's Major News, Today's Price Move, Price Targets, and Forecast, explore Tickeron's dedicated EverQuote pages.
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Earnings Context and Why It Matters
EverQuote (EVER) runs an online marketplace that connects consumers with property and casualty insurance providers, earning revenue through referrals to carriers and agents. Its third-quarter 2026 results matter because they show whether the company can keep up rapid growth while insurers maintain spending on customer acquisition during an extended soft market. EVER has now posted two straight quarters of 25% revenue growth, and management has set a target of $1 billion in annual revenue within the next one to two years. I am also watching how the firm deploys artificial intelligence and agentic commerce initiatives, which could shift its economics over time even if they weigh on near-term margins.
Reported Results
EVER posted third-quarter 2026 revenue of $218.1 million, up 25% from $173.9 million a year earlier and ahead of the $203.2 million consensus estimate. The figure also topped the company's guidance range of $198 million to $208 million. GAAP net income came in at $18.2 million, down from $18.9 million in the prior-year period, while diluted earnings per share were $0.49 versus $0.50 a year ago. The year-over-year drop in GAAP net income mainly reflected higher income tax expense and a one-time $4 million vendor-contract termination fee.
Adjusted EBITDA climbed 41% year over year to $35.5 million, beating management's $28 million to $31 million outlook. Variable marketing dollars rose 25% to $62.6 million, while variable marketing margin stood at 28.7%. Auto insurance revenue grew 21% to $190.4 million, and home and renters revenue increased 70% to $27.7 million. Operating cash flow reached $40.5 million, and the company finished the quarter with $229.1 million in cash and no debt. I also checked this using Tickeron’s AI Screener to see how the stock compares to others in the industry.
Market Reaction and Investor Sentiment
EVER shares rose in after-hours trading after the release, reflecting a solid beat-and-raise quarter. The stock had closed at $24.27 on November 2, 2026, up about 8% over the prior twelve months. Investor sentiment was supported by broad-based demand, with eight of the company's top ten carrier customers growing sequentially, along with management's view that insurer combined ratios remain low and the industry is still in the early stages of a prolonged soft market cycle. At the same time, the market factored in the company's planned near-term margin investment in agentic AI channels, which management indicated would reduce variable marketing margin sequentially in the fourth quarter.
Forward Outlook and Key Factors to Monitor
EVER guided fourth-quarter 2026 revenue to between $213 million and $223 million, pointing to roughly 12% year-over-year growth at the midpoint. It expects adjusted EBITDA of $29 million to $32 million, or about 22% growth at the midpoint, and variable marketing dollars of $57 million to $60 million. Management noted that variable marketing margin should decline sequentially as the company invests in new agentic and large-language-model channels.
A few catalysts stand out for the coming quarters. First, the October 2026 launch of Luva, a conversational insurance shopping platform built for AI-first consumers, marks EVER's move into agentic commerce, where AI assistants handle shopping rather than traditional web search. Adoption and monetization are still early and uncertain. Second, investors should track whether the home and renters vertical can maintain elevated growth as carriers focus on that area, while noting that management does not expect the 70% growth rate to continue indefinitely. Finally, the company's progress toward its $1 billion annual revenue goal, margin trends amid AI investment, and any changes in carrier demand during the soft market cycle will be important signals in future reports.
Exploring Tickeron’s AI Tools
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Contributor
Sergey Savastiouk, Ph.D. has a degree in Applied Mathematics from Moscow University and has extensive experience as an entrepreneur, investor, manager, and mathematician. His professional expertise is in applied mathematics, mathematical modeling, system and pattern analysis, and software and hardware system integration. He has served as the CEO of several hi-tech start-up companies and nonprofit organizations, which has given him proven capabilities in business strategy for high-tech start-up companies, market assessment, company formation, team building, product development, marketing, and sales. He has published numerous articles in journals and magazines on related fields. As a retail investor, he spent 15 years developing his proprietary trading and quantitative algorithms (now Tickeron’s A.I.), which brought him significant returns in trading the stock market. His current work and goal in founding Tickeron is to bring professional, sophisticated stock market analysis capabilities to retail investors via an easy-to-use interface.
EVER's RSI Oscillator ascends from oversold territory
The RSI Oscillator for EVER moved out of oversold territory on September 30, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 24 similar instances when the indicator left oversold territory. In 22 of the 24 cases the stock moved higher. This puts the odds of a move higher at 90%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 07, 2026. You may want to consider a long position or call options on EVER as a result. In 79 of 91 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 87%.
The Moving Average Convergence Divergence (MACD) for EVER just turned positive on October 07, 2026. Looking at past instances where EVER's MACD turned positive, the stock continued to rise in 37 of 46 cases over the following month. The odds of a continued upward trend are 80%.
EVER moved above its 50-day moving average on October 29, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for EVER crossed bullishly above the 50-day moving average on October 30, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 of 13 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 85%.
Following a +9.45% 3-day Advance, the price is estimated to grow further. Considering data from situations where EVER advanced for three days, in 260 of 322 cases, the price rose further within the following month. The odds of a continued upward trend are 81%.
The Aroon Indicator entered an Uptrend today. In 192 of 237 cases where EVER Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 81%.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 47 of 58 cases where EVER's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 81%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where EVER declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 78%.
EVER broke above its upper Bollinger Band on October 15, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 20 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 39 (best 1 - 100 worst), indicating steady price growth. EVER’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 53 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (3.331) is normal, around the industry mean (1.005). P/E Ratio (7.632) is within average values for comparable stocks, (-47.882). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (17.274). Dividend Yield (0.000) settles around the average of (0.990) among similar stocks. P/S Ratio (1.147) is also within normal values, averaging (71.888).
The Tickeron Profit vs. Risk Rating rating for this company is 74 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. EVER’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 94, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 91 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
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General Information
an online marketplace for insurance
Industry InternetSoftwareServices
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