Estados financieros detallados de EverQuote, Inc. (EVER): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
EverQuote, Inc. registró ingresos de $692.5M en el último ejercicio fiscal, con un CAGR de 5 años del 14.8%.
Márgenes de los últimos 12 meses: margen bruto 97.6%, margen operativo 11.0%, margen neto 15.2%. El flujo de caja libre creció a un CAGR del 67.5% en 5 años.
Al precio actual de $23.34, EVER cotiza a un P/E de 7.07 y un ROE del 50.29%. La capitalización bursátil es de $822M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $122.8M | $126.2M | $163.3M | $248.8M | $346.9M | $418.5M | $404.1M | $287.9M | $500.2M | $692.5M |
| Coste de Ventas | $5.9M | $7.7M | $11.7M | $15.9M | $21.4M | $23.9M | $24.0M | $22.5M | $20.9M | $19.4M |
| Beneficio Bruto | $116.9M | $118.5M | $151.7M | $232.9M | $325.6M | $394.6M | $380.1M | $265.5M | $479.3M | $673.1M |
| I+D | $6.6M | $9.2M | $14.2M | $20.2M | $29.7M | $35.7M | $31.7M | $27.6M | $29.6M | $31.5M |
| Generales y Administrativos | $110.7M | $114.0M | $151.4M | $219.5M | $305.3M | $379.7M | $377.4M | $266.4M | $418.0M | $575.1M |
| Gastos Operativos | $117.3M | $123.2M | $165.6M | $241.0M | $337.2M | $416.5M | $404.9M | $317.4M | $447.5M | $606.6M |
| Beneficio Operativo | -$409000 | -$4.7M | -$13.9M | -$8.0M | -$11.7M | -$21.9M | -$24.8M | -$52.0M | $31.8M | $66.6M |
| EBITDA | $1.0M | -$3.3M | -$12.6M | -$4.6M | -$6.1M | -$15.8M | -$23.1M | -$22.4M | $39.7M | $65.6M |
| Gastos por Intereses | $506000 | $382000 | $199000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Beneficio Antes de Impuestos | -$915000 | -$5.1M | -$13.8M | -$7.1M | -$11.2M | -$21.9M | -$24.4M | -$50.7M | $34.0M | $61.8M |
| Impuestos | $18000 | 0 | 0 | 0 | 0 | -$2.5M | 0 | $577000 | $1.8M | -$37.5M |
| Beneficio Neto | -$933000 | -$5.1M | -$13.8M | -$7.1M | -$11.2M | -$19.4M | -$24.4M | -$51.3M | $32.2M | $99.3M |
| BPA | $-0.04 | $-0.24 | $-0.81 | $-0.28 | $-0.41 | $-0.67 | $-0.77 | $-1.54 | $0.92 | $2.75 |
| BPA Diluido | $-0.04 | $-0.24 | $-0.81 | $-0.28 | $-0.41 | $-0.67 | $-0.77 | $-1.54 | $0.88 | $2.63 |
| Acciones en Circulación (Diluidas) | $21.4M | $21.4M | $16.9M | $25.8M | $27.3M | $29.1M | $31.6M | $33.4M | $36.6M | $37.8M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $173.9M | $195.3M | $190.9M | $195.1M |
| Beneficio Bruto | $169.2M | $190.9M | $186.6M | $190.7M |
| Beneficio Operativo | $17.5M | $18.6M | $23.4M | $23.5M |
| EBITDA | $19.3M | $20.4M | $25.1M | $25.5M |
| Beneficio Neto | $18.9M | $57.8M | $18.7M | $19.2M |
| BPA | $0.52 | $1.60 | $0.52 | $0.54 |
| BPA Diluido | $0.50 | $1.53 | $0.51 | $0.53 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $12.4M | $2.4M | $41.6M | $46.1M | $42.9M | $34.9M | $30.8M | $38.0M | $102.1M | $95.4M |
| Inversiones a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cuentas por Cobrar | $12.2M | $14.7M | $17.5M | $32.2M | $49.9M | $44.9M | $43.1M | $25.5M | $64.4M | -$11.9M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $25.2M | $17.6M | $60.5M | $85.3M | $97.4M | $84.7M | $81.0M | $69.2M | $171.8M | $256.3M |
| Inmovilizado Material | $2.4M | $2.1M | $4.5M | $5.2M | $15.8M | $13.1M | $12.2M | $7.3M | $9.6M | $10.2M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | $9.8M | $21.5M | $21.5M | $21.5M | $21.5M | $21.5M |
| Activos Intangibles | 0 | 0 | 0 | 0 | $3.4M | $10.2M | $8.0M | $5.2M | $3.3M | 0 |
| Activos Totales | $28.2M | $20.5M | $65.7M | $91.2M | $129.1M | $143.6M | $156.5M | $110.9M | $210.5M | $326.9M |
| Cuentas por Pagar | $10.4M | $11.9M | $16.8M | $23.7M | $33.0M | $29.6M | $30.7M | $17.2M | $60.0M | $16.9M |
| Deuda a Corto | $1.5M | $361000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $14.1M | $15.0M | $21.4M | $38.4M | $46.8M | $47.4M | $45.4M | $29.9M | $72.6M | $87.2M |
| Deuda a Largo | $2.6M | $4.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Totales | $53.9M | $71.1M | $22.6M | $39.5M | $58.1M | $58.5M | $49.0M | $30.0M | $75.2M | $88.9M |
| Reservas | -$31.2M | -$51.3M | -$99.9M | -$107.0M | -$118.2M | -$137.6M | -$162.1M | -$213.3M | -$181.2M | -$81.9M |
| Patrimonio Neto | -$25.7M | -$50.5M | $43.2M | $51.8M | $71.0M | $85.1M | $107.5M | $80.9M | $135.4M | $238.0M |
| Deuda Total | $4.1M | $4.6M | 0 | 0 | $10.7M | $8.2M | $6.4M | $2.2M | $3.6M | $2.6M |
| Deuda Neta | -$8.3M | $2.2M | -$41.6M | -$46.1M | -$32.2M | -$26.6M | -$24.4M | -$35.8M | -$98.5M | -$92.8M |
| Capital Circulante | $11.1M | $2.6M | $39.2M | $46.9M | $50.6M | $37.3M | $35.6M | $39.3M | $99.1M | $169.1M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $145.8M | $95.4M | $29.6M | $192.3M |
| Activos Totales | $256.1M | $326.9M | $324.0M | $341.0M |
| Pasivos Totales | $81.1M | $88.9M | $83.1M | $84.2M |
| Patrimonio Neto | $174.9M | $238.0M | $240.9M | $256.8M |
| Deuda Total | $2.9M | $2.6M | $2.3M | $1.9M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | -$933000 | -$5.1M | -$13.8M | -$7.1M | -$11.2M | -$19.4M | -$24.4M | -$51.3M | $32.2M | $99.3M |
| Amortizaciones | $1.4M | $1.4M | $1.3M | $2.2M | $3.4M | $5.1M | $5.8M | $6.2M | $5.7M | $3.8M |
| Compensación en Acciones | $2.0M | $1.9M | $7.1M | $12.7M | $24.2M | $30.0M | $29.0M | $24.1M | $20.6M | $24.3M |
| Cambio en Capital Circulante | $2.9M | -$369000 | $3.1M | -$4.0M | -$7.5M | -$6.1M | -$22.8M | -$1.7M | $8.1M | -$1.6M |
| Flujo de Caja Operativo | $5.5M | -$1.7M | -$1.9M | $4.4M | $10.7M | $7.2M | -$15.8M | -$2.8M | $66.6M | $95.4M |
| Inversiones (CapEx) | -$1.1M | -$1.2M | -$3.7M | -$3.0M | -$3.8M | -$2.9M | -$4.3M | -$3.8M | -$4.1M | -$5.1M |
| Adquisiciones | 0 | 0 | 0 | 0 | -$14.9M | -$16.0M | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$19.4M | -$9.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$21.0M |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | $4.4M | -$2.9M | -$5.6M | $1.4M | $6.8M | $4.3M | -$20.1M | -$6.7M | $62.5M | $90.3M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $19.8M | $27.0M | $29.6M | $24.9M |
| Inversiones (CapEx) | -$1.3M | -$1.2M | -$1.5M | -$1.6M |
| Flujo de Caja Libre | $18.5M | $25.9M | $28.1M | $23.4M |
| Dividendos Pagados | 0 | 0 | 0 | 0 |
| Compensación en Acciones | $6.7M | $5.6M | $5.1M | $5.7M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +2.8% | +29.4% | +52.3% | +39.4% | +20.6% | -3.4% | -28.8% | +73.7% | +38.5% |
| Crecimiento Beneficio Neto (anual) | | -443.5% | -172.0% | +48.4% | -57.4% | -73.5% | -25.6% | -110.1% | +162.7% | +208.7% |
| Crecimiento BPA (anual) | | -451.7% | -237.5% | +65.4% | -46.4% | -63.4% | -14.9% | -100.0% | +159.7% | +198.9% |
| Cambio en Acciones (anual) | | +0.0% | -21.1% | +52.2% | +6.1% | +6.4% | +8.7% | +5.5% | +9.9% | +3.0% |
| Crecimiento FCF (anual) | | -164.9% | -94.8% | +125.8% | +376.1% | -36.8% | -564.1% | +66.8% | +1036.6% | +44.6% |
| Margen Bruto | 95.2% | 93.9% | 92.9% | 93.6% | 93.8% | 94.3% | 94.1% | 92.2% | 95.8% | 97.2% |
| Margen Operativo | -0.3% | -3.7% | -8.5% | -3.2% | -3.4% | -5.2% | -6.1% | -18.1% | 6.3% | 9.6% |
| Margen EBITDA | 0.8% | -2.6% | -7.7% | -1.9% | -1.8% | -3.8% | -5.7% | -7.8% | 7.9% | 9.5% |
| Margen Neto | -0.8% | -4.0% | -8.4% | -2.9% | -3.2% | -4.6% | -6.0% | -17.8% | 6.4% | 14.3% |
| Margen FCF | 3.6% | -2.3% | -3.4% | 0.6% | 2.0% | 1.0% | -5.0% | -2.3% | 12.5% | 13.0% |
| Tasa Impositiva Efectiva | -2.0% | -0.0% | -0.0% | -0.0% | -0.0% | 11.4% | -0.0% | -1.1% | 5.4% | -60.6% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.21 | $-0.13 | $-0.33 | $0.06 | $0.25 | $0.15 | $-0.64 | $-0.20 | $1.70 | $2.39 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $21.4M | $21.4M | $16.9M | $25.8M | $27.3M | $29.1M | $31.6M | $33.4M | $35.0M | $36.1M |
Qué mirar en empresas de Communication Services
- Crecimiento de ingresos 3a (≥15%/año) — Valida tracción sostenida, no un año puntual.
- Margen bruto (Depende del sub-sector) — SaaS ≥70%, Internet ≥55%, Semis ≥45%, Hardware ≥35%.
- FCF / Ingresos (≥20%) — Caja real generada. Muchas tech maquillan beneficios non-GAAP.
- ROIC (≥15%) — Eficiencia del capital reinvertido — la primera métrica de Buffett.
- SBC / Ingresos (<10% saludable) — Stock-based compensation. Dilución silenciosa: >20% destruye valor.
- Deuda Neta / EBITDA (≤2x (1,5x SaaS)) — Resistencia en recesiones y subidas de tipos.
Rentabilidad
| Rentabilidad sobre capital | 50.29% |
| Rentabilidad sobre capital invertido | 32.08% |
| Rentabilidad sobre activos | 33.57% |
| Margen bruto | 97.65% |
| Margen operativo | 11.00% |
| Margen neto | 15.16% |
Salud financiera
| Deuda / Patrimonio | 0.01 |
| Ratio corriente | 3.33 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 9.65 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | -414.25 | -75.08 | -5.16 | -122.68 | -91.10 | -23.37 | -19.14 | -7.95 | 21.73 | 9.82 |
| P/VC | -15.06 | -7.64 | 1.64 | 17.09 | 14.38 | 5.35 | 4.34 | 5.05 | 5.17 | 4.10 |
| P/V | 3.15 | 3.06 | 0.43 | 3.56 | 2.94 | 1.09 | 1.15 | 1.42 | 1.40 | 1.41 |
| Margen Bruto | 95.2% | 93.9% | 92.9% | 93.6% | 93.8% | 94.3% | 94.1% | 92.2% | 95.8% | 97.2% |
| Margen Operativo | -0.3% | -3.7% | -8.5% | -3.2% | -3.4% | -5.2% | -6.1% | -18.1% | 6.3% | 9.6% |
| Margen Neto | -0.8% | -4.0% | -8.4% | -2.9% | -3.2% | -4.6% | -6.0% | -17.8% | 6.4% | 14.3% |