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EverQuote (EVER) investor relations material
EverQuote Global Technology, Internet, Media & Telecommunications Conference 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Global Technology, Internet, Media & Telecommunications Conference 2025 summary19 Nov, 2025
Financial performance and growth outlook
Achieved record results in Q3 across revenue, VMD, EBITDA, and net income, with 20% year-on-year growth guidance for the second half of the year.
Set an intermediary target on the path to $1 billion in revenue, emphasizing strong execution and market recovery.
Majority of top 25 carriers have not yet returned to historical peak spend, indicating further growth potential.
Margins remain in the high 20s for VMM, with EBITDA margins targeted to grow from 13.5% to 20% long-term.
Investments in new channels may cause modest margin pressure in Q4, but long-term growth and profitability remain the focus.
Market dynamics and carrier trends
Carrier underwriting is broadly healthy, with most carriers reactivating in 2024 and 2025 after a pullback during 2022-2023.
One major national carrier is expected to return by early next year, following a significant marketing rebuild.
Underwriting stability and premium increases have created a favorable environment for growth.
Shopping levels among consumers remain high due to insurance cost increases, supporting demand.
Industry stabilization after a hard market cycle is expected to set up a healthy marketplace for 2026.
Technology, product innovation, and channel strategy
Smart Campaigns, an AI-driven carrier bidding product, delivers over 20% improvement in return on ad spend and is now adopted by most carriers.
Plans to roll out Smart Campaigns to agents in Q1 next year, aiming to improve agent return on ad spend and increase marketing budget allocation.
Subscription-based products for agents are in early stages but show strong interest and potential for recurring revenue and stickier relationships.
Expanding into new and revived marketing channels, including social (Meta, TikTok), AI search, and more targetable TV/streaming.
Early positive results from Meta channel tests; Reddit and AI search are being integrated into a broader content and advertising strategy.
How does AI search affect insurance rate transparency?
What mechanisms drive EverQuote's outperformance?
Describe agent subscription and vertical expansion
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Q4 202524 Feb, 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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