Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.94, read 2026-10-24
Ethical does not pass the values gate
Price22.74 USD
Fair value30.00
Ethical score70.0/100
Our investment reviews on this name
2026-10-26Read Accumulation20.61+10.3% to today ✓Distribution gives way to Accumulation after a 10% slide in 3 weeks
2026-10-02Read Distribution22.83-0.4% to today ✓Markup gives way to Distribution after a 13% slide in 5 weeks
2026-08-28Read Markup26.16-13.1% to today Accumulation gives way to Markup
2026-07-28Read Accumulation26.16-13.1% to today Distribution gives way to Accumulation after a 31% rise in 4 weeks
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
EverQuote Inc holds its Accumulation at $22.74. The statistical read favours the sellers, held for 21 days.
As held on the ledger · 2026-10-23
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 21 days
Price at the screen
$22.74
Valuation
7.79 trailing · 7.42 forward price to earnings
Values screen
FAIL· score 70.0
Beta
0.60
The Workings
Five Screens, Shown in Full
Does not pass. Accounts receivable
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
0.79%
Below 33%
Interest-bearing debt is just 0.8% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
0.00%
Below 33%
Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit.
Pass
Receivables
75.41%
Below 49%
Money owed to the company is 75.4% of assets, above the 49% limit.
Fail
Revenue purity
0.52%
Below 5%
Only 0.5% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
EverQuote's business is fine, but its receivables are about 75% of its assets, well over the ~49% line, so it does not pass on the financial screens.
Read as at 2026-10-27. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when EVER's ethical verdict changes
Today EVER does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 45.6% margin of safety to the base estimate.
Third-party analyst targets: 5 covering, consensus Buy. The average target sits +10% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
EVER trades on NASDAQ. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-28Accumulation$20.61+0.0%Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B. Technically it is momentum reading overbought. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Accumulation$20.61+0.0%Entry 10
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B. Technically it is momentum reading overbought. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from distribution to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B. Technically it is momentum reading overbought. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Distribution$20.61+4.1%Entry 8
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved up 4.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is momentum reading overbought. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26. Insiders have been net sellers over the past quarter.
2026-10-14Distribution$19.80-13.3%Entry 7
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 13.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26. Insiders have been net sellers over the past quarter.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 12.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26. Insiders have been net sellers over the past quarter. Since the last review it its composite score rose.
2026-08-28Markup · changed$26.16+0.0%Entry 5
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26.
The framework has shifted from distribution to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 30.9% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26.
2026-07-18Distribution$19.98+0.0%Entry 3
Our analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 22%. Our forward projection puts the odds of a 10% gain over the next month near 28%. The street (6 analysts) rates it buy, with a mean price target of $26.
2026-07-03Distribution$19.98+0.0%Entry 2
Our analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.