Discounted Cash Flow

Everquote, Inc.

EVER · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2018 $163.3m $-13.8m $-5.6m -8.4%
2019 $248.8m (52.3%) $-7.1m (48.4%) $1.4m (125.8%) -2.9% (66.1%)
2020 $346.9m (39.4%) $-11.2m (-57.4%) $6.8m (376.1%) -3.2% (-12.9%)
2021 $418.5m (20.6%) $-19.4m (-73.5%) $4.3m (-36.8%) -4.6% (-43.8%)
2022 $404.1m (-3.4%) $-24.4m (-25.6%) $-20.1m (-564.1%) -6.0% (-30.1%)
2023 $287.9m (-28.8%) $-51.3m (-110.1%) $-6.7m (66.8%) -17.8% (-194.8%)
2024 $500.2m (73.7%) $32.2m (162.7%) $62.5m (1036.6%) 6.4% (136.1%)
2025 $692.5m (38.5%) $99.3m (208.7%) $90.3m (44.6%) 14.3% (123.0%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model