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EverQuote (EVER) investor relations material
EverQuote Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Nov, 2025
Executive summary
Achieved record Q3 2025 revenue of $173.9 million, up 20% year-over-year, with net income rising to $18.9 million and Adjusted EBITDA up 33% to $25.1 million, driven by strong carrier engagement and AI-powered product innovation.
Transitioned to a multi-product, AI-powered growth solutions partner for P&C insurance, with over 35% of local agent customers using more than one product.
Executed $21 million in share repurchases, ending Q3 with $145.8–$146 million in cash and no debt.
Set a target to reach $1 billion in annual revenue within two to three years, focusing on organic growth and operational efficiency.
Significant progress in AI and machine learning integration, driving operational efficiency and new product innovation.
Financial highlights
Q3 2025 revenue grew 20% year-over-year to $173.9 million, with auto insurance revenue up 21% to $157.6 million and home/renters up 15% to $16.3 million.
Net income reached $18.9 million, up from $11.6 million in the prior year period; Adjusted EBITDA was $25.1 million, margin at 14.4%.
Variable marketing dollars (VMD) hit $50.1 million, up 14% year-over-year; variable marketing margin (VMM) was 28.8%.
Operating cash flow for Q3 was $19.8 million; cash and cash equivalents at quarter-end were $145.8–$146 million.
No outstanding borrowings under the $60 million revolving credit facility as of September 30, 2025.
Outlook and guidance
Q4 2025 revenue expected between $174 million and $180 million, representing 20% year-over-year growth at midpoint.
Q4 VMD guidance is $46–$48 million (7% year-over-year growth at midpoint); Adjusted EBITDA expected at $21–$23 million (16% year-over-year growth at midpoint).
Full-year 2025 guidance implies approximately 35% revenue growth and over 55% Adjusted EBITDA growth.
Long-term targets include 20% average annual revenue growth and 20% Adjusted EBITDA margin.
Management expects continued revenue growth in 2025, driven by increased carrier spend in automotive and home/renters verticals.
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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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