)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
EverQuote
EverQuote (EVER) investor relations material
EverQuote 28th Annual Needham Growth Conference Virtual summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.28th Annual Needham Growth Conference Virtual summary13 Jan, 2026
Industry environment and market trends
2025 marked a shift to offensive growth after years of industry downturn and regulatory uncertainty, with a healthy underwriting environment and broad-based carrier participation continuing into 2026.
Combined ratios for carriers ended 2025 in the mid-to-high 80s, indicating strong profitability and rate adequacy, supporting a competitive growth phase.
California remains an outlier due to regulatory challenges, but rate adequacy and carrier participation are improving, with more significant recovery expected in late 2026 or 2027.
The industry is experiencing a secular shift toward digital channels, with digital advertising still underpenetrated compared to other sectors.
Most carriers have returned to the market, including a top-three carrier resuming activity in 2026, broadening the growth opportunity.
Strategic focus and competitive differentiation
Refocused on P&C insurance in 2023, leveraging data and technology to drive differentiated growth for carriers and agents.
Investments in AI-driven Smart Campaigns and bidding technology have improved efficiency and performance, deepening relationships with carriers and agents.
Multi-product strategy for agents has increased integration into client workflows, moving beyond single-product offerings.
Customer feedback and direct engagement have shaped product development and strategy, emphasizing tailored solutions.
The company’s exclusive focus on P&C is seen as a strength, given the market’s size and early stage of digital adoption.
Growth outlook and financial targets
80% of top 25 carriers are not yet at peak spend, indicating substantial room for growth as digital adoption broadens.
Targeting $1 billion in revenue within two to three years, implying mid-teens to low-20s annual growth rates.
Home insurance currently represents 10% of revenue but is expected to grow faster than auto, with new leadership and product focus.
Expansion opportunities include deeper penetration with independent agents and new verticals such as small business and specialty insurance.
Secular trends, carrier rate increases, and the return of major carriers provide multiple growth levers.
What specific tech drives EverQuote's competitive edge?
What is the growth potential from non-auto P&C lines?
How does AI drive margin expansion and capital strategy?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next EverQuote earnings date
Q4 202524 Feb, 2026
EverQuote
Next EverQuote earnings date
Q4 202524 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage