WallStSmart

EverQuote Inc Class A (EVER)vsSpotify Technology SA (SPOT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Spotify Technology SA generates 2298% more annual revenue ($18.11B vs $755.20M). SPOT leads profitability with a 18.4% profit margin vs 15.2%. EVER trades at a lower P/E of 8.3x. EVER earns a higher WallStSmart Score of 66/100 (B-).

EVER

Strong Buy

66

out of 100

Grade: B-

Growth: 8.7Profit: 8.5Value: 8.3Quality: 9.0
Piotroski: 4/9Altman Z: 4.62

SPOT

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 8.0Value: 4.0Quality: 8.0
Piotroski: 4/9Altman Z: 2.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EVERUndervalued (+54.5%)

Margin of Safety

+54.5%

Fair Value

$32.89

Current Price

$23.98

$8.91 discount

UndervaluedFair: $32.89Overvalued
SPOTSignificantly Overvalued (-58.4%)

Margin of Safety

-58.4%

Fair Value

$307.58

Current Price

$525.75

$218.17 premium

UndervaluedFair: $307.58Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EVER6 strengths · Avg: 9.3/10
P/E RatioValuation
8.3x10/10

Attractively priced relative to earnings

Return on EquityProfitability
44.6%10/10

Every $100 of equity generates 45 in profit

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.6210/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
24.6%8/10

Revenue surging 24.6% year-over-year

EPS GrowthGrowth
35.9%8/10

Earnings expanding 35.9% YoY

SPOT4 strengths · Avg: 9.8/10
Return on EquityProfitability
35.6%10/10

Every $100 of equity generates 36 in profit

EPS GrowthGrowth
222.4%10/10

Earnings expanding 222.4% YoY

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Market CapQuality
$111.52B9/10

Large-cap with strong market position

Areas to Watch

EVER1 concerns · Avg: 3.0/10
Market CapQuality
$875.00M3/10

Smaller company, higher risk/reward

SPOT3 concerns · Avg: 4.0/10
PEG RatioValuation
1.594/10

Expensive relative to growth rate

P/E RatioValuation
29.4x4/10

Moderate valuation

Price/BookValuation
11.0x4/10

Trading at 11.0x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : EVER

The strongest argument for EVER centers on P/E Ratio, Return on Equity, Debt/Equity. Profitability is solid with margins at 15.2% and operating margin at 12.0%. Revenue growth of 24.6% demonstrates continued momentum.

Bull Case : SPOT

The strongest argument for SPOT centers on Return on Equity, EPS Growth, Debt/Equity. Profitability is solid with margins at 18.4% and operating margin at 13.7%. Revenue growth of 13.9% demonstrates continued momentum.

Bear Case : EVER

The primary concerns for EVER are Market Cap.

Bear Case : SPOT

The primary concerns for SPOT are PEG Ratio, P/E Ratio, Price/Book.

Key Dynamics to Monitor

EVER profiles as a growth stock while SPOT is a mature play — different risk/reward profiles.

SPOT carries more volatility with a beta of 1.59 — expect wider price swings.

EVER is growing revenue faster at 24.6% — sustainability is the question.

SPOT generates stronger free cash flow (910M), providing more financial flexibility.

Bottom Line

EVER scores higher overall (66/100 vs 64/100), backed by strong 15.2% margins and 24.6% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

EverQuote Inc Class A

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

EverQuote, Inc. operates an online marketplace for purchasing insurance in the United States. The company is headquartered in Cambridge, Massachusetts.

Spotify Technology SA

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

Spotify Technology SA, provides audio streaming services worldwide. The company is headquartered in Luxembourg, Luxembourg.

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