Demonstrações financeiras detalhadas de EverQuote, Inc. (EVER): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
EverQuote, Inc. registou receitas de $692.5M no último exercício, com um CAGR de 5 anos de 14.8%.
Margens dos últimos 12 meses: margem bruta 97.6%, margem operacional 11.0%, margem líquida 15.2%. O fluxo de caixa livre cresceu a CAGR de 67.5% em 5 anos.
Ao preço atual de $23.34, EVER negocia a um P/L de 7.07 e um ROE de 50.29%. A capitalização de mercado é de $822M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $122.8M | $126.2M | $163.3M | $248.8M | $346.9M | $418.5M | $404.1M | $287.9M | $500.2M | $692.5M |
| Custo da Receita | $5.9M | $7.7M | $11.7M | $15.9M | $21.4M | $23.9M | $24.0M | $22.5M | $20.9M | $19.4M |
| Lucro Bruto | $116.9M | $118.5M | $151.7M | $232.9M | $325.6M | $394.6M | $380.1M | $265.5M | $479.3M | $673.1M |
| P&D | $6.6M | $9.2M | $14.2M | $20.2M | $29.7M | $35.7M | $31.7M | $27.6M | $29.6M | $31.5M |
| Despesas Gerais e Administrativas | $110.7M | $114.0M | $151.4M | $219.5M | $305.3M | $379.7M | $377.4M | $266.4M | $418.0M | $575.1M |
| Despesas Operacionais | $117.3M | $123.2M | $165.6M | $241.0M | $337.2M | $416.5M | $404.9M | $317.4M | $447.5M | $606.6M |
| Lucro Operacional | -$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 |
| Despesas com Juros | $506000 | $382000 | $199000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Lucro Antes de Impostos | -$915000 | -$5.1M | -$13.8M | -$7.1M | -$11.2M | -$21.9M | -$24.4M | -$50.7M | $34.0M | $61.8M |
| Imposto | $18000 | 0 | 0 | 0 | 0 | -$2.5M | 0 | $577000 | $1.8M | -$37.5M |
| Lucro Líquido | -$933000 | -$5.1M | -$13.8M | -$7.1M | -$11.2M | -$19.4M | -$24.4M | -$51.3M | $32.2M | $99.3M |
| LPA | $-0.04 | $-0.24 | $-0.81 | $-0.28 | $-0.41 | $-0.67 | $-0.77 | $-1.54 | $0.92 | $2.75 |
| LPA Diluído | $-0.04 | $-0.24 | $-0.81 | $-0.28 | $-0.41 | $-0.67 | $-0.77 | $-1.54 | $0.88 | $2.63 |
| Ações em Circulação (Diluídas) | $21.4M | $21.4M | $16.9M | $25.8M | $27.3M | $29.1M | $31.6M | $33.4M | $36.6M | $37.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $173.9M | $195.3M | $190.9M | $195.1M |
| Lucro Bruto | $169.2M | $190.9M | $186.6M | $190.7M |
| Lucro Operacional | $17.5M | $18.6M | $23.4M | $23.5M |
| EBITDA | $19.3M | $20.4M | $25.1M | $25.5M |
| Lucro Líquido | $18.9M | $57.8M | $18.7M | $19.2M |
| LPA | $0.52 | $1.60 | $0.52 | $0.54 |
| LPA Diluído | $0.50 | $1.53 | $0.51 | $0.53 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $12.4M | $2.4M | $41.6M | $46.1M | $42.9M | $34.9M | $30.8M | $38.0M | $102.1M | $95.4M |
| Investimentos de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Contas a Receber | $12.2M | $14.7M | $17.5M | $32.2M | $49.9M | $44.9M | $43.1M | $25.5M | $64.4M | -$11.9M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $25.2M | $17.6M | $60.5M | $85.3M | $97.4M | $84.7M | $81.0M | $69.2M | $171.8M | $256.3M |
| Imobilizado | $2.4M | $2.1M | $4.5M | $5.2M | $15.8M | $13.1M | $12.2M | $7.3M | $9.6M | $10.2M |
| Ágio | 0 | 0 | 0 | 0 | $9.8M | $21.5M | $21.5M | $21.5M | $21.5M | $21.5M |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | $3.4M | $10.2M | $8.0M | $5.2M | $3.3M | 0 |
| Ativos Totais | $28.2M | $20.5M | $65.7M | $91.2M | $129.1M | $143.6M | $156.5M | $110.9M | $210.5M | $326.9M |
| Contas a Pagar | $10.4M | $11.9M | $16.8M | $23.7M | $33.0M | $29.6M | $30.7M | $17.2M | $60.0M | $16.9M |
| Dívida de Curto Prazo | $1.5M | $361000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $14.1M | $15.0M | $21.4M | $38.4M | $46.8M | $47.4M | $45.4M | $29.9M | $72.6M | $87.2M |
| Dívida de Longo Prazo | $2.6M | $4.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Totais | $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 |
| Patrimônio Líquido | -$25.7M | -$50.5M | $43.2M | $51.8M | $71.0M | $85.1M | $107.5M | $80.9M | $135.4M | $238.0M |
| Dívida Total | $4.1M | $4.6M | 0 | 0 | $10.7M | $8.2M | $6.4M | $2.2M | $3.6M | $2.6M |
| Dívida Líquida | -$8.3M | $2.2M | -$41.6M | -$46.1M | -$32.2M | -$26.6M | -$24.4M | -$35.8M | -$98.5M | -$92.8M |
| Capital de Giro | $11.1M | $2.6M | $39.2M | $46.9M | $50.6M | $37.3M | $35.6M | $39.3M | $99.1M | $169.1M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $145.8M | $95.4M | $29.6M | $192.3M |
| Ativos Totais | $256.1M | $326.9M | $324.0M | $341.0M |
| Passivos Totais | $81.1M | $88.9M | $83.1M | $84.2M |
| Patrimônio Líquido | $174.9M | $238.0M | $240.9M | $256.8M |
| Dívida Total | $2.9M | $2.6M | $2.3M | $1.9M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | -$933000 | -$5.1M | -$13.8M | -$7.1M | -$11.2M | -$19.4M | -$24.4M | -$51.3M | $32.2M | $99.3M |
| Depreciação e Amortização | $1.4M | $1.4M | $1.3M | $2.2M | $3.4M | $5.1M | $5.8M | $6.2M | $5.7M | $3.8M |
| Compensação em Ações | $2.0M | $1.9M | $7.1M | $12.7M | $24.2M | $30.0M | $29.0M | $24.1M | $20.6M | $24.3M |
| Variação Capital de Giro | $2.9M | -$369000 | $3.1M | -$4.0M | -$7.5M | -$6.1M | -$22.8M | -$1.7M | $8.1M | -$1.6M |
| Fluxo de Caixa Operacional | $5.5M | -$1.7M | -$1.9M | $4.4M | $10.7M | $7.2M | -$15.8M | -$2.8M | $66.6M | $95.4M |
| CapEx | -$1.1M | -$1.2M | -$3.7M | -$3.0M | -$3.8M | -$2.9M | -$4.3M | -$3.8M | -$4.1M | -$5.1M |
| Aquisições | 0 | 0 | 0 | 0 | -$14.9M | -$16.0M | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$19.4M | -$9.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$21.0M |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fluxo de Caixa Livre | $4.4M | -$2.9M | -$5.6M | $1.4M | $6.8M | $4.3M | -$20.1M | -$6.7M | $62.5M | $90.3M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $19.8M | $27.0M | $29.6M | $24.9M |
| CapEx | -$1.3M | -$1.2M | -$1.5M | -$1.6M |
| Fluxo de Caixa Livre | $18.5M | $25.9M | $28.1M | $23.4M |
| Dividendos Pagos | 0 | 0 | 0 | 0 |
| Compensação em Ações | $6.7M | $5.6M | $5.1M | $5.7M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +2.8% | +29.4% | +52.3% | +39.4% | +20.6% | -3.4% | -28.8% | +73.7% | +38.5% |
| Crescimento Lucro Líquido (anual) | | -443.5% | -172.0% | +48.4% | -57.4% | -73.5% | -25.6% | -110.1% | +162.7% | +208.7% |
| Crescimento LPA (anual) | | -451.7% | -237.5% | +65.4% | -46.4% | -63.4% | -14.9% | -100.0% | +159.7% | +198.9% |
| Variação de Ações (anual) | | +0.0% | -21.1% | +52.2% | +6.1% | +6.4% | +8.7% | +5.5% | +9.9% | +3.0% |
| Crescimento FCF (anual) | | -164.9% | -94.8% | +125.8% | +376.1% | -36.8% | -564.1% | +66.8% | +1036.6% | +44.6% |
| Margem Bruta | 95.2% | 93.9% | 92.9% | 93.6% | 93.8% | 94.3% | 94.1% | 92.2% | 95.8% | 97.2% |
| Margem Operacional | -0.3% | -3.7% | -8.5% | -3.2% | -3.4% | -5.2% | -6.1% | -18.1% | 6.3% | 9.6% |
| Margem EBITDA | 0.8% | -2.6% | -7.7% | -1.9% | -1.8% | -3.8% | -5.7% | -7.8% | 7.9% | 9.5% |
| Margem Líquida | -0.8% | -4.0% | -8.4% | -2.9% | -3.2% | -4.6% | -6.0% | -17.8% | 6.4% | 14.3% |
| Margem FCF | 3.6% | -2.3% | -3.4% | 0.6% | 2.0% | 1.0% | -5.0% | -2.3% | 12.5% | 13.0% |
| Taxa Efetiva de Imposto | -2.0% | -0.0% | -0.0% | -0.0% | -0.0% | 11.4% | -0.0% | -1.1% | 5.4% | -60.6% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.21 | $-0.13 | $-0.33 | $0.06 | $0.25 | $0.15 | $-0.64 | $-0.20 | $1.70 | $2.39 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Ações em Circulação (Básicas) | $21.4M | $21.4M | $16.9M | $25.8M | $27.3M | $29.1M | $31.6M | $33.4M | $35.0M | $36.1M |
O que olhar em empresas de Communication Services
- Crescimento de receita 3a (≥15%/ano) — Valida tração sustentada, não um ano pontual.
- Margem bruta (Depende do sub-setor) — SaaS ≥70%, Internet ≥55%, Semis ≥45%, Hardware ≥35%.
- FCF / Receita (≥20%) — Caixa real gerada. Muitas tech maquilham lucros não-GAAP.
- ROIC (≥15%) — Eficiência do capital reinvestido — a primeira métrica de Buffett.
- SBC / Receita (<10% saudável) — Stock-based compensation. Diluição silenciosa: >20% destrói valor.
- Dívida Líquida / EBITDA (≤2x (1,5x SaaS)) — Resistência em recessões e subidas de juros.
Rentabilidade
| Retorno sobre patrimônio | 50.29% |
| Retorno sobre capital investido | 32.08% |
| Retorno sobre ativos | 33.57% |
| Margem bruta | 97.65% |
| Margem operacional | 11.00% |
| Margem líquida | 15.16% |
Saúde financeira
| Dívida / Patrimônio | 0.01 |
| Liquidez corrente | 3.33 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 9.65 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | -414.25 | -75.08 | -5.16 | -122.68 | -91.10 | -23.37 | -19.14 | -7.95 | 21.73 | 9.82 |
| P/VP | -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 |
| Margem Bruta | 95.2% | 93.9% | 92.9% | 93.6% | 93.8% | 94.3% | 94.1% | 92.2% | 95.8% | 97.2% |
| Margem Operacional | -0.3% | -3.7% | -8.5% | -3.2% | -3.4% | -5.2% | -6.1% | -18.1% | 6.3% | 9.6% |
| Margem Líquida | -0.8% | -4.0% | -8.4% | -2.9% | -3.2% | -4.6% | -6.0% | -17.8% | 6.4% | 14.3% |