# EDGAR Filing Document

**Accession Number:** 0001640428
**File Stem:** 0001193125-26-063953
**Filing Date:** 2026-2
**Character Count:** 46196
**Document Hash:** dac5c971f7dd9d68bb07055d03e95ce1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-063953.hdr.sgml**: 20260223

**ACCESSION NUMBER**: 0001193125-26-063953

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 30

**CONFORMED PERIOD OF REPORT**: 20260223

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260223

**DATE AS OF CHANGE**: 20260223

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EverQuote, Inc.
- **CENTRAL INDEX KEY:** 0001640428
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-COMPUTER PROGRAMMING, DATA PROCESSING, ETC. [7370]
- **ORGANIZATION NAME:** 06 Technology
- **EIN:** 263101161
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-38549
- **FILM NUMBER:** 26665095

**BUSINESS ADDRESS:**
- **STREET 1:** 141 PORTLAND STREET
- **CITY:** CAMBRIDGE
- **STATE:** MA
- **ZIP:** 02139
- **BUSINESS PHONE:** 617-245-0615

**MAIL ADDRESS:**
- **STREET 1:** 141 PORTLAND STREET
- **CITY:** CAMBRIDGE
- **STATE:** MA
- **ZIP:** 02139

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** February 23, 2026<br>

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EverQuote, Inc.

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| Delaware | 001-38549 | 26-3101161 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 141 Portland Street |  |  |
| Cambridge**,** Massachusetts |  | 02139 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

---

**Registrant's Telephone Number, Including Area Code:** (855) 522-3444<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Class A Common Stock, $0.001 par value per share | EVER | The Nasdaq Global Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 2.02 Results of Operations and Financial Condition.
On February 23, 2026, EverQuote, Inc. (the "Company") issued a press release reporting financial results for the fiscal quarter and year ended December 31, 2025. The full text of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

The information contained in Item 2.02 in this Current Report on Form 8-K (including Exhibit 99.1) shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the "Securities Act"), or the Exchange Act, except as expressly set forth by specific reference in such a filing.

## Item 7.01 Regulation FD Disclosure.
On February 23, 2026, the Company posted an investor presentation to its website (www.everquote.com). A copy of the investor presentation is furnished as Exhibit 99.2 to this Current Report on Form 8-K.

The information contained in Item 7.01 in this Current Report on Form 8-K (including Exhibit 99.2) shall not be deemed to be "filed" for purposes of Section 18 of the Exchange Act or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

## Item 9.01 Financial Statements and Exhibits.
(d) Exhibits

**EXHIBIT INDEX**

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| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 99.1 | [<u>Press release dated February 23, 2026</u>](ever-ex99_1.htm) |
| 99.2 | [<u>Investor Presentation dated February 23, 2026</u>](ever-ex99_2.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | EVERQUOTE, INC. |
| Date: | February 23, 2026 | By:  | /s/ Jon Ayotte |
|  |  |  | Jon Ayotte<br>Chief Accounting Officer |

---

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## Exhibit 99.1

Exhibit 99.1

**EverQuote Announces Fourth Quarter and Full Year 2025 Financial Results**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Fourth Quarter Revenue Grows 32% Year-Over-Year to $195.3 million

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Fourth Quarter GAAP Net Income Increases to $57.8 million and Adjusted EBITDA Grows 32% Year-Over-Year

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Full Year Revenue Grows 38% Year-Over-Year to $692.5 million

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Full Year GAAP Net Income Increases to $99.3 million and Adjusted EBITDA Grows 62% Year-Over-Year

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Generates Full Year 2025 Operating Cash Flow of $95.4 million

CAMBRIDGE, Mass., Feb. 23, 2026 (GLOBE NEWSWIRE) -- EverQuote, Inc. (Nasdaq: EVER), a leading online insurance marketplace, today announced financial results for the fourth quarter and full year ended December 31, 2025.

"2025 was a record year for EverQuote defined by significant success scaling our marketplace, further integrating AI into our operations, and accelerating our evolution to a growth solutions partner to our customers," said Jayme Mendal, CEO of EverQuote. "We are delivering better performing referrals, bigger traffic scale, and a broader suite of products and services. Looking ahead to 2026, EverQuote is evolving toward an AI-first future and scaling products that combine our unique data with newfound capabilities to derive value."

"We delivered record financial performance in 2025, growing full-year revenue and Adjusted EBITDA at 38% and 62%, respectively through continued strong execution," said Joseph Sanborn, CFO of EverQuote. "Our team has been effectively managing costs and driving increasing efficiencies through automation in our core operations, while also further investing in strategic areas to drive growth such as AI capabilities, new products and data science. We believe EverQuote continues to be well positioned to benefit as insurance carriers focus on profitable policy growth in 2026."

**Fourth Quarter 2025 Highlights:**

(Unless otherwise noted, all comparisons are relative to the fourth quarter of 2024).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Total revenue grew 32% to $195.3 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Automotive insurance vertical revenue of $179.9 million, an increase of 32%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Home and renters insurance vertical revenue of $15.4 million, an increase of 37%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Variable Marketing Dollars grew to $49.3 million, compared to $44.0 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•GAAP net income increased to $57.8 million, which includes a net deferred tax benefit of $38.4 million consisting primarily of a one-time release of the valuation allowance against our deferred tax assets, compared to a GAAP net income of $12.3 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Adjusted EBITDA increased 32% to $25.1 million, compared to $18.9 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Operating cash flow increased to $27.0 million, compared to $20.1 million.

**Full Year 2025 Highlights:**

(Unless otherwise noted, all comparisons are relative to full year 2024 results).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Total revenue grew 38% to $692.5 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Automotive insurance vertical revenue of $629.8 million, an increase of 41%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Home and renters insurance vertical revenue of $62.7 million, an increase of 20%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Variable Marketing Dollars grew to $191.9 million, compared to $155.2 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•GAAP net income increased to $99.3 million, which includes a net deferred tax benefit of $38.4 million consisting primarily of a one-time release of the valuation allowance against our deferred tax assets, compared to a GAAP net income of $32.2 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Adjusted EBITDA increased 62% to $94.6 million, compared to $58.2 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Operating cash flow increased to $95.4 million, compared to $66.6 million.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Ended the year with $171.4 million in cash and cash equivalents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Implemented a $50.0 million inaugural share repurchase program.

**First Quarter 2026 Outlook:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Revenue of $175.0 - $185.0 million

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Variable Marketing Dollars of $49.0 - $52.0 million

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;•Adjusted EBITDA of $23.5 - $26.5 million

With respect to the Company's expectations under "First Quarter 2026 Outlook" above, the Company has not reconciled the non-GAAP measure Adjusted EBITDA to the GAAP measure net income (loss) in this press release because the Company does not provide guidance for stock-based compensation expense, depreciation and amortization expense, legal settlement expense, interest income, and income taxes on a consistent basis as the Company is unable to quantify these amounts without unreasonable efforts, which would be required to include a reconciliation of Adjusted EBITDA to GAAP net income (loss). In addition, the Company believes such a reconciliation would imply a degree of precision that could be confusing or misleading to investors.

**Conference Call and Webcast Information**

EverQuote will host a conference call and live webcast to discuss its fourth quarter and full year 2025 financial results at 4:30 p.m. Eastern Time today, February 23, 2026. To access the conference call, dial Toll Free: +1 (800) 715-9871 for the US, or +1 (646) 307-1963 for international callers, and provide conference ID 8699350. The live webcast and replay will be available on the Investors section of the Company's website at https://investors.everquote.com.

**Safe Harbor Statement**

This press release contains forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact contained in this press release, including statements regarding our future results of operations and financial position, business strategy and plans, and objectives of management for future operations, are forward-looking statements. These statements involve known and unknown risks, uncertainties, and other important factors that may cause our actual results, performance or achievements to be materially different from any future results, performance, or achievements expressed or implied by the forward-looking statements. In some cases, you can identify forward-looking statements by terms such as "may," "should," "expects," "might," "plans," "anticipates," "could," "intends," "target," "projects," "contemplates," "believes," "estimates," "predicts," "potential," "seek," "would" or "continue," or the negative of these terms or other similar expressions. The forward-looking statements in this press release are only predictions. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our business, financial condition, liquidity and results of operations. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee that the future results, levels of activity, performance or events and circumstances reflected in the forward-looking statements will be achieved or occur. These forward-looking statements speak only as of the date of this press release and are subject to a number of risks, uncertainties and assumptions described in our annual report on Form 10-K, our quarterly reports on Form 10-Q and our current reports on Form 8-K as filed with the Securities and Exchange Commission ("SEC") from time to time. Additional information will also be set forth in the Company's annual report on Form 10-K for the year ended December 31, 2025, which will be filed with the SEC. Because forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified, you should not rely on these forward-looking statements as predictions of future events. The events and circumstances reflected in our forward-looking statements may not be achieved or occur and actual results could differ materially from those projected in the forward-looking statements. While we may elect to update these forward-looking statements at some point in the future, whether as a

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result of any new information, future events, or otherwise, we have no current intention of doing so except to the extent required by applicable law. Some of the key factors that could cause actual results to differ include: (1) our dependence on revenue from the property and casualty insurance industries, and specifically automotive insurance, and exposure to risks related to those industries; (2) our dependence on our relationships with insurance providers with no long-term minimum financial commitments; (3) our reliance on a small number of insurance providers for a significant portion of our revenue; (4) our dependence on third-party media sources for a significant portion of visitors to our websites and marketplace; (5) our ability to attract consumers searching for insurance to our websites and marketplace through Internet search engines, display advertising, social media, content-based online advertising and other online sources; (6) any limitations restricting our ability to market to users or collect and use data derived from user activities; (7) risks related to cybersecurity incidents or other network disruptions; (8) risks related to the use of artificial intelligence; (9) our ability to develop new and enhanced products and services to attract and retain consumers and insurance providers, and to successfully monetize them; (10) the impact of competition in our industry and innovation by our competitors; (11) our ability to hire and retain necessary qualified employees to expand our operations; (12) our ability to stay abreast of and comply with new or modified laws and regulations that currently apply or become applicable to our business, including with respect to the insurance industry, telemarketing restrictions and data privacy requirements; (13) our ability to protect our intellectual property rights and maintain and build our brand; (14) our future financial performance, including our expectations regarding our revenue, cost of revenue, variable marketing dollars, operating expenses, cash flows and ability to achieve, and maintain, future profitability; (15) our ability to properly collect, process, store, share, disclose and use consumer information and other data; (16) any impacts of economic or legislative developments, including inflation, increased tariffs and the One Big Beautiful Bill Act; and (17) the future trading prices of our Class A common stock, including any impacts resulting from our share repurchase program.

**About EverQuote**

For more information, visit everquote.com and follow on LinkedIn.

**Investor Relations Contact**

Brinlea Johnson

The Blueshirt Group

(415) 269-2645

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EVERQUOTE, INC.

STATEMENTS OF OPERATIONS

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Three Months Ended December 31,** | **Three Months Ended December 31,** | **Year Ended December 31,** | **Year Ended December 31,** |
|  | **2025** | **2024** | **2025** | **2024** |
|  | (in thousands except per share) | (in thousands except per share) | (in thousands except per share) | (in thousands except per share) |
| &nbsp;&nbsp;Revenue | $195320 | $147455 | $692521 | $500190 |
| &nbsp;&nbsp;Cost and operating expenses(1): |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cost of revenue | 4441 | 5420 | 19375 | 20922 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sales and marketing | 155161 | 114209 | 541008 | 387700 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Research and development | 8303 | 7640 | 31504 | 29553 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;General and administrative | 8784 | 8159 | 34066 | 30264 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Legal settlement |  |  | 8232 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total cost and operating expenses | 176689 | 135428 | 634185 | 468439 |
| &nbsp;&nbsp;Income from operations | 18631 | 12027 | 58336 | 31751 |
| &nbsp;&nbsp;Other income (expense): |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest income | 956 | 683 | 3574 | 2079 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other income (expense), net | (22) | 24 | (87) | 178 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total other income, net | 934 | 707 | 3487 | 2257 |
| &nbsp;&nbsp;Income before income taxes | 19565 | 12734 | 61823 | 34008 |
| &nbsp;&nbsp;Income tax benefit (expense) | 38190 | (428) | 37488 | (1839) |
| &nbsp;&nbsp;Net income | $57755 | $12306 | $99311 | $32169 |
| &nbsp;&nbsp;Net income per share: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic | $1.60 | $0.35 | $2.75 | $0.92 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted | $1.54 | $0.33 | $2.63 | $0.88 |
| &nbsp;&nbsp;Weighted average common shares <br>&nbsp;&nbsp;&nbsp;&nbsp;outstanding, basic and diluted |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic | 36135 | 35490 | 36141 | 35007 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted | 37602 | 37051 | 37753 | 36646 |
| (1) Amounts include stock-based compensation expense, as follows: | (1) Amounts include stock-based compensation expense, as follows: |  |  |  |
|  | **Three Months Ended December 31,** | **Three Months Ended December 31,** | **Year Ended December 31,** | **Year Ended December 31,** |
|  | **2025** | **2024** | **2025** | **2024** |
|  | (in thousands) | (in thousands) | (in thousands) | (in thousands) |
| Cost of revenue | $35 | $53 | $122 | $182 |
| Sales and marketing | 1279 | 1713 | 7139 | 6796 |
| Research and development | 1585 | 1422 | 6291 | 5502 |
| General and administrative | 2692 | 2122 | 10747 | 8134 |
|  | $5591 | $5310 | $24299 | $20614 |

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EVERQUOTE, INC.

BALANCE SHEET DATA

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| | | |
|:---|:---|:---|
|  | **December 31,** | **December 31,** |
|  | **2025** | **2024** |
|  | (in thousands) | (in thousands) |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | $171379 | $102116 |
| &nbsp;&nbsp;&nbsp;&nbsp;Working capital | 169067 | 99131 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total assets | 326913 | 210530 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | 88873 | 75162 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity | 238040 | 135368 |

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EVERQUOTE, INC.

STATEMENTS OF CASH FLOWS

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Three Months Ended December 31,** | **Three Months Ended December 31,** | **Year Ended December 31,** | **Year Ended December 31,** |
|  | **2025** | **2024** | **2025** | **2024** |
|  | (in thousands) | (in thousands) | (in thousands) | (in thousands) |
| **Cash flows from operating activities:** |  |  |  |  |
| Net income | $57755 | $12306 | $99311 | $32169 |
| Adjustments to reconcile net income to net cash provided <br> by operating activities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Depreciation and amortization | 861 | 1555 | 3811 | 5672 |
| &nbsp;&nbsp;&nbsp;&nbsp;Stock-based compensation expense | 5591 | 5310 | 24299 | 20614 |
| &nbsp;&nbsp;&nbsp;&nbsp;Deferred taxes | (38428) |  | (38428) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Provision for (recovery of) bad debt |  | (3) | 10 | 13 |
| &nbsp;&nbsp;&nbsp;&nbsp;Unrealized foreign currency transaction (gains) losses | 14 | (82) | 110 | (26) |
| &nbsp;&nbsp;&nbsp;&nbsp;Litigation accrual settled with sale of assets |  |  | 7841 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Changes in operating assets and liabilities: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts receivable | (6970) | (13099) | (13813) | (40178) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prepaid expenses and other current assets | 248 | 128 | (4440) | 440 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commissions receivable, current and non-current |  | 1158 | 1873 | 4880 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating lease right-of-use assets | 291 | 371 | 1124 | 2213 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other assets | 137 |  | 137 | (291) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts payable | 8950 | 12961 | 16887 | 42664 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued expenses and other current liabilities | (1416) | (73) | (2105) | 1040 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred revenue | 273 | (14) | (103) | (107) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating lease liabilities | (296) | (384) | (1133) | (2537) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net cash provided by operating activities | 27010 | 20134 | 95381 | 66566 |
| **Cash flows from investing activities:** |  |  |  |  |
| Acquisition of property and equipment, including costs<br>&nbsp;&nbsp;&nbsp;&nbsp;capitalized for development of internal-use software | (1161) | (1003) | (5057) | (4114) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net cash used in investing activities | (1161) | (1003) | (5057) | (4114) |
| **Cash flows from financing activities:** |  |  |  |  |
| Proceeds from exercise of stock options | 537 | 651 | 3931 | 3553 |
| Repurchase of common stock |  |  | (21024) |  |
| Tax withholding payments related to net share settlement | (774) | (496) | (3971) | (1846) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net cash provided by (used in) financing activities | (237) | 155 | (21064) | 1707 |
| Effect of exchange rate changes on cash,<br>&nbsp;&nbsp;&nbsp;&nbsp;cash equivalents and restricted cash | 1 | (11) | 3 | 1 |
| **Net increase in cash, cash equivalents and<br> restricted cash** | 25613 | 19275 | 69263 | 64160 |
| Cash, cash equivalents and restricted cash at beginning<br> of period | 145766 | 82841 | 102116 | 37956 |
| Cash, cash equivalents and restricted cash at end<br> of period | $171379 | $102116 | $171379 | $102116 |

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EVERQUOTE, INC.

FINANCIAL AND OPERATING METRICS

Revenue by vertical:

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| | | | |
|:---|:---|:---|:---|
|  | **Three Months Ended December 31,** | **Three Months Ended December 31,** | **Change** |
|  | **2025** | **2024** | **%** |
|  | (in thousands) | (in thousands) |  |
| &nbsp;&nbsp;Automotive | $179891 | $135930 | 32.3% |
| &nbsp;&nbsp;Home and renters | 15422 | 11298 | 36.5% |
| &nbsp;&nbsp;Other | 7 | 227 | -96.9% |
| Total revenue | $195320 | $147455 | 32.5% |

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| | | | |
|:---|:---|:---|:---|
|  | **Year Ended December 31,** | **Year Ended December 31,** | **Change** |
|  | **2025** | **2024** | **%** |
|  | (in thousands) | (in thousands) |  |
| &nbsp;&nbsp;Automotive | $629831 | $446095 | 41.2% |
| &nbsp;&nbsp;Home and renters | 62650 | 52013 | 20.5% |
| &nbsp;&nbsp;Other | 40 | 2082 | -98.1% |
| Total revenue | $692521 | $500190 | 38.5% |

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Other financial and non-financial metrics:

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| | | | |
|:---|:---|:---|:---|
|  | **Three Months Ended December 31,** | **Three Months Ended December 31,** | **Change** |
|  | **2025** | **2024** | **%** |
|  | (in thousands) | (in thousands) |  |
| &nbsp;&nbsp;Income from operations | $18631 | $12027 | 54.9% |
| &nbsp;&nbsp;Net income | $57755 | $12306 | 369.3% |
| &nbsp;&nbsp;Variable marketing dollars | $49335 | $44023 | 12.1% |
| &nbsp;&nbsp;Adjusted EBITDA(1) | $25061 | $18916 | 32.5% |

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| | | | |
|:---|:---|:---|:---|
|  | **Year Ended December 31,** | **Year Ended December 31,** | **Change** |
|  | **2025** | **2024** | **%** |
|  | (in thousands) | (in thousands) |  |
| &nbsp;&nbsp;Income from operations | $58336 | $31751 | 83.7% |
| &nbsp;&nbsp;Net income | $99311 | $32169 | 208.7% |
| &nbsp;&nbsp;Variable marketing dollars | $191855 | $155227 | 23.6% |
| &nbsp;&nbsp;Adjusted EBITDA(1) | $94591 | $58215 | 62.5% |

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(1) Adjusted EBITDA is a non-GAAP measure. Please see "EverQuote, Inc. Reconciliation of Non-GAAP Measures to GAAP" below for more information.

To supplement the Company's financial statements presented in accordance with GAAP and to provide investors with additional information regarding EverQuote's financial results, the Company has presented Adjusted EBITDA as a non-GAAP financial measure. This non-GAAP financial measure is not based on any standardized methodology prescribed by GAAP and is not necessarily comparable to similarly titled measures presented by other companies.

The Company defines Adjusted EBITDA as net income (loss), excluding the impact of stock-based compensation expense; depreciation and amortization expense; legal settlement expense; interest income; and income taxes. The most directly comparable GAAP measure is net income (loss). The Company monitors and presents Adjusted EBITDA because it is a key measure used by management and the board of directors to understand and evaluate operating performance, to establish budgets and to develop operational goals for managing EverQuote's business. In particular, the Company believes that excluding the impact of these items in calculating Adjusted EBITDA can provide a useful measure for period-to-period comparisons of EverQuote's core operating performance.

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The Company uses Adjusted EBITDA to evaluate EverQuote's operating performance and trends and make planning decisions. The Company believes that this non-GAAP financial measure helps identify underlying trends in EverQuote's business that could otherwise be masked by the effect of the items that the Company excludes in the calculations of Adjusted EBITDA. Accordingly, the Company believes that this financial measure provides useful information to investors and others in understanding and evaluating EverQuote's operating results, enhancing the overall understanding of the Company's past performance and future prospects.

The Company's non-GAAP financial measures are not prepared in accordance with GAAP and should not be considered in isolation of, or as an alternative to, measures prepared in accordance with GAAP. There are a number of limitations related to the use of Adjusted EBITDA rather than net income (loss), which is the most directly comparable financial measure calculated and presented in accordance with GAAP. In addition, other companies may use other measures to evaluate their performance, which could reduce the usefulness of the Company's non-GAAP financial measures as tools for comparison.

The following table reconciles Adjusted EBITDA to net income (loss), the most directly comparable financial measure calculated and presented in accordance with GAAP.

EVERQUOTE, INC.

RECONCILIATION OF NON-GAAP MEASURES TO GAAP

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Three Months Ended December 31,** | **Three Months Ended December 31,** | **Year Ended December 31,** | **Year Ended December 31,** |
|  | **2025** | **2024** | **2025** | **2024** |
|  | (in thousands) | (in thousands) | (in thousands) | (in thousands) |
| Net income | $57755 | $12306 | $99311 | $32169 |
| &nbsp;&nbsp;Stock-based compensation | 5591 | 5310 | 24299 | 20614 |
| &nbsp;&nbsp;Depreciation and amortization | 861 | 1555 | 3811 | 5672 |
| &nbsp;&nbsp;Legal settlement |  |  | 8232 |  |
| &nbsp;&nbsp;Interest income | (956) | (683) | (3574) | (2079) |
| &nbsp;&nbsp;Income taxes | (38190) | 428 | (37488) | 1839 |
| &nbsp;&nbsp;Adjusted EBITDA | $25061 | $18916 | $94591 | $58215 |

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## Exhibit 99.2

![Slide 1](ever-ex99_2s1.jpg)

Investor PresentationFebruary 2026

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![Slide 2](ever-ex99_2s2.jpg)

Disclaimer This presentation contains forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact contained in this presentation, including statements regarding our future results of operations and financial position, business strategy and plans, and objectives of management for future operations, are forward-looking statements. These statements involve known and unknown risks, uncertainties, and other important factors that may cause our actual results, performance or achievements to be materially different from any future results, performance, or achievements expressed or implied by the forward-looking statements. In some cases, you can identify forward-looking statements by terms such as "may," "should," "expects," "might," "plans," "anticipates," "could," "intends," "target," "projects," "contemplates," "believes," "estimates," "predicts," "potential," "seek," "would" or "continue," or the negative of these terms or other similar expressions. The forward-looking statements in this presentation are only predictions. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends that we believe may affect our business, financial condition liquidity and results of operations. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee that the future results, levels of activity, performance or events and circumstances reflected in the forward-looking statements will be achieved or occur. These forward-looking statements speak only as of the date of this presentation and are subject to a number of risks, uncertainties and assumptions described in our annual report on Form 10-K, our quarterly reports on Form 10-Q and our current reports on Form 8-K as filed with the Securities and Exchange Commission ("SEC") from time to time. Additional information will also be set forth in the Company's annual report on Form 10-K for the fiscal year ended December 31, 2025, which will be filed with the SEC. Because forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified, you should not rely on these forward-looking statements as predictions of future events. The events and circumstances reflected in our forward-looking statements may not be achieved or occur and actual results could differ materially from those projected in the forward-looking statements. While we may elect to update these forward-looking statements at some point in the future, whether as a result of any new information, future events, or otherwise, we have no current intention of doing so except to the extent required by applicable law. Some of the key factors that could cause actual results to differ include: (1) our dependence on revenue from the property and casualty insurance industries, and specifically automotive insurance, and exposure to risks related to those industries; (2) our dependence on our relationships with insurance providers with no long-term minimum financial commitments; (3) our reliance on a small number of insurance providers for a significant portion of our revenue; (4) our dependence on third-party media sources for a significant portion of visitors to our websites and marketplace; (5) our ability to attract consumers searching for insurance to our websites and marketplace through Internet search engines, display advertising, social media, content-based online advertising and other online sources; (6) any limitations restricting our ability to market to users or collect and use data derived from user activities; (7) risks related to cybersecurity incidents or other network disruptions; (8) risks related to the use of artificial intelligence; (9) our ability to develop new and enhanced products and services to attract and retain consumers and insurance providers, and to successfully monetize them; (10) the impact of competition in our industry and innovation by our competitors; (11) our ability to hire and retain necessary qualified employees to expand our operations; (12) our ability to stay abreast of and comply with new or modified laws and regulations that currently apply or become applicable to our business, including with respect to the insurance industry, telemarketing restrictions and data privacy requirements; (13) our ability to protect our intellectual property rights and maintain and build our brand; (14) our future financial performance, including our expectations regarding our revenue, cost of revenue, variable marketing dollars, operating expenses, cash flows and ability to achieve, and maintain, future profitability; (15) our ability to properly collect, process, store, share, disclose and use consumer information and other data; (16) any impacts of economic or legislative developments, including inflation, increased tariffs and the One Big Beautiful Bill Act; and (17) the future trading prices of our Class A common stock, including any impacts resulting from our share repurchase program. The Company's presentation also contains estimates, projections, & other information concerning the Company's industry, the Company's business & the markets for certain of the Company's products & services, including data regarding the estimated size of those markets. The information concerning our industry contained in this presentation is based on our general knowledge of and expectations concerning the industry. The Company's market position, market share and industry market size are based on estimates using our internal data and estimates, data from various industry analyses, our internal research and adjustments and assumptions that we believe to be reasonable. Information that is based on estimates, forecasts, projections, market research, or similar methodologies is inherently subject to uncertainties & actual events or circumstances may differ materially from events & circumstances reflected in this information. Unless otherwise expressly stated, the Company obtained this industry, business, market & other data from reports, research surveys, studies & similar data prepared by market research firms & other third parties, from industry, general publications, & from government data & similar sources. We have not independently verified data from these sources and cannot guarantee their accuracy or completeness. The Company presents Adjusted EBITDA as a non-GAAP measure, which is not a substitute for or superior to, other measures of financial performance prepared in accordance with U.S. GAAP. A reconciliation to the most directly comparable GAAP measures is included in the Appendix to these slides.

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![Slide 3](ever-ex99_2s3.jpg)

Our vision:To be the leading growth partner for P&C insurance providers

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![Slide 4](ever-ex99_2s4.jpg)

Extensive distribution channels with national and regional P&C carriers and thousands of local agents nationwide 3 Strong operating leverage, growing revenue, profitability and cash flow with an asset-light & capital efficient model Key Investment Highlights Insurance Marketplace Leader Massive Market Opportunity Proprietary AI Tech and Data Deep Customer Relationships Scalable Business Model A leading and trusted partner for Property and Casualty 1 ("P&C") insurance providers to drive their growth and attract high-intent consumers $129b in annual P&C insurance distribution and advertising spend continuing to shift online provides multi-year tailwind 2 Leveraging proprietary data and AI platform to improve the volume, precision and efficacy of P&C insurance providers' customer acquisition programs Includes auto, home, and other related insurance products Source: S&P Global Market Intelligence as of 2024 Also referred to as 3rd party agent network

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![Slide 5](ever-ex99_2s5.jpg)

Key Financial Highlights As of 12/31/25 $693m 2025 Record Revenue $95m 2025 Adjusted EBITDA 13.7% 2025 Adjusted EBITDA Margin 32% YoY Growth $180m Q4 2025 Auto Revenue 37% YoY Growth $15m Q4 2025 Home Revenue No debt on Balance Sheet 1 $171m 2025 Year End Cash Balance 62% YoY Growth, 39% 5-Year CAGR 2.0% pt. Increase YoY ~1.7% pt. growth per year since 2020 38% YoY Growth, 15% 5-Year CAGR

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![Slide 6](ever-ex99_2s6.jpg)

Large & Expanding TAM Market Growth Drivers U.S. P&C Insurance Market: Distribution and Advertising Spend 1 Increased carrier focus on growing policies in force Continued shift of acquisition spend online Continued shift to digitization of insurance products and workflows Highlights $8b P&C Digital Advertising Spend $129b P&C Distribution and Advertising Spend Market Less consumers buy insurance online than broader financial services 2 ~40% Of auto insurance customers shopped for new insurance in 2025 3 57% S&P Global Market Intelligence, Insider Intelligence, and Company's own estimates. Includes commissions and advertising spend 2024 Drive Research JD Power

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![Slide 7](ever-ex99_2s7.jpg)

P&C "Soft Market" Provides Favorable Backdrop "Soft Market": A period following large rate increases to achieve rate adequacy; includes increased carrier competition to grow market share and policies in force, while underwriting standards ease and premiums decline 1. Source: S&P CapIQ P&C Combined Ratio1 Recent Carrier Commentary Progressive (8/5/25): "We have continued to leverage our scale in identifying new opportunities to refine where and how we invest our marketing spend to drive profitable growth"…"We'll always try to grow as fast as we can at a 96% [combined ratio]." Allstate (7/31/25): "Our auto book of business is now broadly profitable, including in previously profit-challenged markets like California, New York, and New Jersey, and we are focused on investing profitably growing auto market share." Liberty Mutual (8/7/25): "Since the end of 2024, we have continued to ramp up marketing spend, particularly in targeted geographies to be more focused and aggressive. While negatively impacting our expense ratio, this approach has led to nearly double the personal lines new business volume produced in the prior year quarter."

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![Slide 8](ever-ex99_2s8.jpg)

Distribution Driving High-Intent Consumers to P&C Insurance Providers Traffic Channels Provider Engagement Consumer Arrival Provider Matching Partnerships Performance Media Other1 SEM Clicks Calls Consumer Routing Consumer Acquisition Performance Alignment Bidding Carriers Enterprise Distribution Agent Distribution Local Agent Network Other includes organic search, direct-to-site, partner exchange & other traffic sources Based on Company data & representative of the insurance provider partners on the platform as of December 31, 2025 Representative Carriers2 Delivery

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![Slide 9](ever-ex99_2s9.jpg)

Proprietary Platforms Strengthen Competitive Moat Minimize Cost per Acquisition Omni-channel Automated Bidding Marketing Maximize Conversion Rates Consumer Personalized User Experiences Maximize Bind Performance Consumer Alignment Algorithms Distribution Maximize Value per Acquisition Enterprise & Agency Campaign Management B2B Source: estimated using Company data as of December 31, 2025 4.5b+ Proprietary Consumer Submitted Data Points since Inception 1 Highly integrated AI and proprietary data assets to support P&C insurance providers' growth

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![Slide 10](ever-ex99_2s10.jpg)

Marketplace performance and scale earns opportunity to expand into more digital products and services Higher performance relative to other partners and channels yielding higher bids & budgets, fueling more traffic scale Investing in automation and intentional design to sustainably scale our teams and systems with increasing leverage Proprietary data, tech, and consultative partnerships to optimize each step of the EverQuote funnel Bidding SmartCampaigns Deep Partnership AI-Enabled Solutions New Products P&C Adjacent Verticals Provider Budget Growth Existing Traffic Growth New Channel Expansion Platform Simplification and Alignment Automation and AI Path to $1b+ of Annual Revenue 1. Better Performing 2. Bigger Scale 3. Broader Services 4. Efficiently Our Vision: To be the leading growth partner for P&C insurance providers

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![Slide 11](ever-ex99_2s11.jpg)

Financial Highlights

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![Slide 12](ever-ex99_2s12.jpg)

Q4 2025 Results Quarterly Revenue ($m) YoY Comparison Quarterly Adjusted EBITDA ($m) Quarterly Variable Marketing Dollars ($m) $m Q4 2024 Q4 2025 YoY Growth % Revenue $147.5 $195.3 32% Variable Marketing Dollars $44.0 $49.3 12% Adjusted EBITDA $18.9 $25.1 32% Adjusted EBITDA Margin % 12.8% 12.8% 0.0% pts.

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![Slide 13](ever-ex99_2s13.jpg)

Driving Growth and Expanding Profitability Since IPO Variable Marketing Dollars ($m) Revenue ($m) Note: Auto insurance market downturn began in the late summer of 2021 Note: Historical financials include health insurance vertical financials, which was exited on June 30, 2023. Note: The health insurance vertical revenue was: $29.7m in 2021, $38.7m in 2022, and $15.0m in 2023. Operating Cash Flow ($m) Adjusted EBITDA ($m) Auto Downturn Begins in Late Summer 2021 CAGR 2018 - 2025: ~23% CAGR 2018 - 2025: ~23% EVER IPO

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![Slide 14](ever-ex99_2s14.jpg)

NASDAQ: EVER

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![Slide 15](ever-ex99_2s15.jpg)

Appendix

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![Slide 16](ever-ex99_2s16.jpg)

Key Metrics Definitions Variable Marketing Dollars & Margin We define variable marketing dollars, or VMD, as revenue, as reported in our consolidated statements of operations and comprehensive income (loss), less advertising costs (a component of sales and marketing expense, as reported in our consolidated statements of operations and comprehensive income (loss)). We define variable marketing margin, or VMM, as VMD divided by revenue.We use VMD and VMM to measure the efficiency of individual advertising and consumer acquisition sources and to make trade-off decisions to manage our return on advertising. We do not use VMD or VMM as a measure of profitability. Adjusted EBITDA We define Adjusted EBITDA as net income (loss), adjusted to exclude: stock-based compensation expense, depreciation and amortization expense, restructuring and other charges, acquisition-related costs, legal settlement expense, one-time severance charges, interest income and the provision for (benefit from) income taxes. We monitor & present Adjusted EBITDA because it is a key measure used by our management & board of directors to understand & evaluate our operating performance, to establish budgets & to develop operational goals for managing our business.

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![Slide 17](ever-ex99_2s17.jpg)

Reconciliation of Adjusted EBITDA - 12 Months Ended 12 Months Ended December 31, 2025 December 31, 2024 December 31, 2023 December 31, 2022 December 31, 2021 December 31, 2020 Net Income (Loss) $99,311 $32,169 ($51,287) ($24,416) ($19,434) ($11,202) Stock-based compensation $24,299 $20,614 $22,808 $28,986 $30,020 $24,179 Depreciation & amortization $3,811 $5,672 $6,196 $5,848 $5,072 $3,350 Legal settlement $8,232 - - - - - Acquisition-related costs/earnout - - ($150) ($4,135) $1,065 $2,258 Restructuring and Other Charges - - $23,568 - $440 - Interest (income) expense, net ($3,574) ($2,079) ($1,251) ($349) ($37) ($189) Provision for (benefit from) income taxes ($37,488) $1,839 $577 - ($2,510) - Adjusted EBITDA $94,591 $58,215 $461 $5,934 $14,616 $18,396 ($ in Thousands)

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![Slide 18](ever-ex99_2s18.jpg)

Reconciliation of Adjusted EBITDA - 3 Months Ended 3 Months Ended December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 Net Income (Loss) $57,755 $18,865 $14,701 $7,990 $12,306 Stock-based compensation $5,591 $6,728 $6,560 $5,420 $5,310 Depreciation & amortization $861 $811 $918 $1,221 $1,555 Legal settlement - - $332 $7,900 - Acquisition-related costs/earnout - - - - - Restructuring and Other Charges - - - - - Interest (income) expense, net ($956) ($992) ($918) ($708) ($683) Provision for (benefit from) income taxes ($38,190) ($345) $363 $684 $428 Adjusted EBITDA $25,061 $25,067 $21,956 $22,507 $18,916 ($ in Thousands)