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EverQuote Reports Record Q4 and Full-Year 2025 Results
Insurer expects 'stable and healthy' P&C market in 2026 as it accelerates AI adoption
Published on Feb. 27, 2026
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EverQuote (NASDAQ:EVER) reported strong Q4 and full-year 2025 results, with revenue growth of 38% and Adjusted EBITDA growth of 62% for the year. The company expects a 'stable and healthy' property and casualty (P&C) insurance market in 2026, supported by elevated consumer shopping levels and carrier focus shifting toward growth. EverQuote plans to 'accelerate our evolution towards an AI-first future' in 2026, including further adoption of AI tools across its marketplace, operations, and product suite.
Why it matters
EverQuote's performance highlights the growing importance of digital insurance marketplaces and the company's ability to leverage data and technology to connect consumers with insurers. The shift in carrier focus toward growth rather than just rate adequacy and underwriting margin recovery suggests potential opportunities for EverQuote to expand its business in the coming year.
The details
EverQuote reported full-year 2025 revenue of $692.5 million and full-year Adjusted EBITDA of $94.6 million, representing a 13.7% Adjusted EBITDA margin. The company's Q4 GAAP net income increased to $57.8 million, though this included a one-time non-cash tax benefit of $38.4 million. Excluding the tax benefit, Q4 net income was $19.3 million, up 57% year-over-year. EverQuote's variable marketing dollars (VMD) increased 24% for the full year to $191.9 million, representing a 27.7% variable marketing margin (VMM).
- EverQuote reported its Q4 and full-year 2025 results on February 27, 2026.
- The company expects a 'stable and healthy' P&C insurance market in 2026.
The players
EverQuote
An online insurance marketplace that connects consumers with insurance providers across the United States. Founded in 2011 and headquartered in Cambridge, Massachusetts.
Jayme Mendal
CEO of EverQuote.
Joseph Sanborn
CFO of EverQuote.
What they’re saying
“2025 was a 'phenomenal year,' pointing to revenue growth of 38% and Adjusted EBITDA growth of 62% as evidence of scaling with increasing operating leverage.”
— Jayme Mendal, CEO (transcriptdaily.com)
“EverQuote plans to 'accelerate our evolution towards an AI-first future' in 2026, including further adoption of AI tools in engineering and operations.”
— Jayme Mendal, CEO (transcriptdaily.com)
What’s next
EverQuote expects to begin receiving more traffic from large language model platforms in 2026 through a combination of content strategies, technical integrations or apps within platforms, and participation as those platforms test paid advertising.
The takeaway
EverQuote's strong financial performance and focus on AI-powered innovation position the company well to capitalize on the evolving insurance marketplace, where digital platforms and data-driven insights are becoming increasingly important for connecting consumers with insurers.
