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EverQuote
EverQuote (EVER) investor relations material
EverQuote Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Feb, 2026
Executive summary
Achieved record financial performance in 2025, with revenue up 38% year-over-year to $692.5–$693 million and Adjusted EBITDA up 62% to $94.6–$95 million, driven by marketplace scaling, new products, and AI integration.
Operating leverage improved, with revenue more than doubling since 2023 while operating expenses remained flat.
Ended 2025 with $171–$171.4 million in cash and no debt, entering 2026 with a strong balance sheet and healthy P&C insurance market.
Management reiterated its commitment to achieving $1 billion in revenue within two to three years.
Positioned for continued growth as carriers focus on profitable policy growth and digital adoption accelerates.
Financial highlights
Full year 2025 revenue grew 38% to $692.5–$693 million; Q4 revenue rose 32% year-over-year to $195.3 million.
Adjusted EBITDA for 2025 increased 62% to $94.6–$95 million; Q4 Adjusted EBITDA up 32% to $25.1 million.
GAAP net income for 2025 was $99.3 million, including a one-time $38.4 million non-cash tax benefit; excluding this, net income was $60.9 million, up 89% year-over-year.
Operating cash flow was $95–$95.4 million for the year; ended 2025 with $171–$171.4 million in cash and no debt.
Q4 variable marketing dollars were $49.3 million, up 12% year-over-year.
Outlook and guidance
Q1 2026 revenue expected between $175 million and $185 million; Adjusted EBITDA guidance of $23.5–$26.5 million.
Management targets $1 billion in revenue within two to three years, implying 13%–21% annual growth.
EBITDA margins expected to improve by 100–150 basis points annually on the path to $1 billion revenue.
Focused on scaling provider budgets, expanding into adjacent verticals, and leveraging automation for efficiency.
Carriers are taking a disciplined approach to Q1 2026 marketing spend after record Q4 investment.
Detail AI's role in new product value creation
What is 2025 net income excluding tax benefit?
What's the strategy for the share repurchase program?
How will EverQuote leverage AI agent capabilities?
What drives the Q1 carrier spending shift?
Key drivers for $1B revenue target
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Next EverQuote earnings date
47th Annual Raymond James Institutional Investor Conference4 Mar, 2026
EverQuote
Next EverQuote earnings date
47th Annual Raymond James Institutional Investor Conference4 Mar, 2026
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Frequently asked questions
EverQuote, Inc. operates an online marketplace, which connects consumers shopping for insurance coverages with insurance providers. It provides a suite of proprietary tools that enables insurers to quote consumer requests for car, home, and life insurance. The company serves individuals in the United States. EverQuote, Inc. was founded in 2008 and is headquartered in Cambridge, Massachusetts.
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