EVERQUOTE INC - CLASS A (EVER) Stock Fundamental Analysis
NASDAQ:EVER - Nasdaq - US30041R1086 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to EVER. EVER was compared to 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.
EVER had a positive operating cash flow in the past year.
In the past 5 years EVER reported 4 times negative net income.
In multiple years EVER reported negative operating cash flow during the last 5 years.
1.2 Ratios
EVER has a Return On Assets of 19.28%. This is amongst the best in the industry. EVER outperforms 91.43% of its industry peers.
The Return On Equity of EVER (27.34%) is better than 92.86% of its industry peers.
EVER's Return On Invested Capital of 24.81% is amongst the best of the industry. EVER outperforms 91.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.28% | ||
| ROE | 27.34% | ||
| ROIC | 24.81% |
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 7.57% is fine compared to the rest of the industry. EVER outperforms 74.29% of its industry peers.
Looking at the Operating Margin, with a value of 8.79%, EVER is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
The Gross Margin of EVER (96.57%) is better 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 | 8.79% | ||
| PM (TTM) | 7.57% | ||
| GM | 96.57% |
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so EVER is creating value.
EVER has more shares outstanding than it did 1 year ago.
EVER has more shares outstanding than it did 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 10.16 indicates that EVER is not in any danger for bankruptcy at the moment.
EVER's Altman-Z score of 10.16 is amongst the best of the industry. EVER outperforms 88.57% of its industry peers.
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 10.16 |
ROIC/WACC2.61
WACC9.49%
2.3 Liquidity
EVER has a Current Ratio of 3.03. This indicates that EVER is financially healthy and has no problem in meeting its short term obligations.
EVER's Current ratio of 3.03 is fine compared to the rest of the industry. EVER outperforms 70.00% of its industry peers.
A Quick Ratio of 3.03 indicates that EVER has no problem at all paying its short term obligations.
The Quick ratio of EVER (3.03) is better than 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.03 | ||
| Quick Ratio | 3.03 |
3. Growth
3.1 Past
EVER shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 247.62%, which is quite impressive.
The Revenue has grown by 92.92% in the past year. This is a very strong growth!
Measured over the past years, EVER shows a quite strong growth in Revenue. The Revenue has been growing by 14.99% on average per year.
EPS 1Y (TTM)247.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%129.41%
Revenue 1Y (TTM)92.92%
Revenue growth 3Y6.12%
Revenue growth 5Y14.99%
Sales Q2Q%33.71%
3.2 Future
Based on estimates for the next years, EVER will show a very strong growth in Earnings Per Share. The EPS will grow by 27.48% on average per year.
EVER is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.01% yearly.
EPS Next Y41.65%
EPS Next 2Y32.17%
EPS Next 3Y27.48%
EPS Next 5YN/A
Revenue Next Year33.13%
Revenue Next 2Y21.61%
Revenue Next 3Y18.12%
Revenue Next 5Y13.01%
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.65 indicates a rather expensive valuation of EVER.
Based on the Price/Earnings ratio, EVER is valued a bit cheaper than the industry average as 68.57% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of EVER to the average of the S&P500 Index (26.85), we can say EVER is valued slightly cheaper.
The Price/Forward Earnings ratio is 15.39, which indicates a correct valuation of EVER.
72.86% of the companies in the same industry are more expensive than EVER, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of EVER to the average of the S&P500 Index (34.98), we can say EVER is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.65 | ||
| Fwd PE | 15.39 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EVER indicates a somewhat cheap valuation: EVER is cheaper than 75.71% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EVER indicates a rather cheap valuation: EVER is cheaper than 85.71% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.6 | ||
| EV/EBITDA | 11.66 |
4.3 Compensation for Growth
EVER's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as EVER's earnings are expected to grow with 27.48% in the coming years.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y32.17%
EPS Next 3Y27.48%
5. Dividend
5.1 Amount
No dividends for EVER!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
23.12
-0.14 (-0.6%)
Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryInteractive Media & Services
Earnings (Last)
Earnings (Next)
Inst Owners83.46%
Inst Owner Change3.13%
Ins Owners3.09%
Ins Owner Change-9.78%
Market Cap836.02M
Analysts80
Price Target35.7 (54.41%)
Short Float %4.31%
Short Ratio2.62
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)1
Avg EPS beat(2)-14.71%
Min EPS beat(2)-37.34%
Max EPS beat(2)7.92%
EPS beat(4)3
Avg EPS beat(4)18.83%
Min EPS beat(4)-37.34%
Max EPS beat(4)65.55%
EPS beat(8)6
Avg EPS beat(8)85.28%
EPS beat(12)10
Avg EPS beat(12)67.48%
EPS beat(16)13
Avg EPS beat(16)56.34%
Revenue beat(2)1
Avg Revenue beat(2)0.57%
Min Revenue beat(2)-2.31%
Max Revenue beat(2)3.45%
Revenue beat(4)3
Avg Revenue beat(4)2.53%
Min Revenue beat(4)-2.31%
Max Revenue beat(4)8.02%
Revenue beat(8)7
Avg Revenue beat(8)5.71%
Revenue beat(12)9
Avg Revenue beat(12)3.93%
Revenue beat(16)12
Avg Revenue beat(16)3.68%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)5.98%
EPS NQ rev (3m)13.07%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.76%
Revenue NQ rev (1m)0.7%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.65 | ||
| Fwd PE | 15.39 | ||
| P/S | 1.36 | ||
| P/FCF | 9.6 | ||
| P/OCF | 9.07 | ||
| P/B | 4.91 | ||
| P/tB | 5.62 | ||
| EV/EBITDA | 11.66 |
EPS(TTM)1.24
EY5.36%
EPS(NY)1.5
Fwd EY6.5%
FCF(TTM)2.41
FCFY10.42%
OCF(TTM)2.55
OCFY11.02%
SpS17.01
BVpS4.71
TBVpS4.11
PEG (NY)0.45
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.28% | ||
| ROE | 27.34% | ||
| ROCE | 31.41% | ||
| ROIC | 24.81% | ||
| ROICexc | 177.76% | ||
| ROICexgc | 1683.65% | ||
| OM | 8.79% | ||
| PM (TTM) | 7.57% | ||
| GM | 96.57% | ||
| FCFM | 14.15% |
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-Score8
Asset Turnover2.55
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 95.8% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 155.16% | ||
| Profit Quality | 187.07% | ||
| Current Ratio | 3.03 | ||
| Quick Ratio | 3.03 | ||
| Altman-Z | 10.16 |
F-Score8
WACC9.49%
ROIC/WACC2.61
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)247.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%129.41%
EPS Next Y41.65%
EPS Next 2Y32.17%
EPS Next 3Y27.48%
EPS Next 5YN/A
Revenue 1Y (TTM)92.92%
Revenue growth 3Y6.12%
Revenue growth 5Y14.99%
Sales Q2Q%33.71%
Revenue Next Year33.13%
Revenue Next 2Y21.61%
Revenue Next 3Y18.12%
Revenue Next 5Y13.01%
EBIT growth 1Y749.89%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year221.75%
EBIT Next 3Y62.5%
EBIT Next 5Y36.85%
FCF growth 1Y919.2%
FCF growth 3Y143.42%
FCF growth 5Y112.84%
OCF growth 1Y1560.68%
OCF growth 3Y109.98%
OCF growth 5Y72.09%