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Side-by-side financial comparison of EverQuote, Inc. (EVER) and H2O AMERICA (HTO). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $195.3M, roughly 1.0× EverQuote, Inc.). EverQuote, Inc. runs the higher net margin — 29.6% vs 8.1%, a 21.4% gap on every dollar of revenue. On growth, EverQuote, Inc. posted the faster year-over-year revenue change (32.5% vs 1.5%). Over the past eight quarters, EverQuote, Inc.'s revenue compounded faster (46.5% CAGR vs 15.3%).
EverQuote, Inc. is an online insurance marketplace founded in 2011 and based in Cambridge, Massachusetts.
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
EVER vs HTO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $195.3M | $199.4M |
| Net Profit | $57.8M | $16.2M |
| Gross Margin | 97.7% | — |
| Operating Margin | 9.5% | 16.6% |
| Net Margin | 29.6% | 8.1% |
| Revenue YoY | 32.5% | 1.5% |
| Net Profit YoY | 369.3% | -29.2% |
| EPS (diluted) | $1.53 | $0.45 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $195.3M | $199.4M | ||
| Q3 25 | $173.9M | $243.5M | ||
| Q2 25 | $156.6M | $197.8M | ||
| Q1 25 | $166.6M | $164.9M | ||
| Q4 24 | $147.5M | $196.5M | ||
| Q3 24 | $144.5M | $216.7M | ||
| Q2 24 | $117.1M | $173.1M | ||
| Q1 24 | $91.1M | $150.0M |
| Q4 25 | $57.8M | $16.2M | ||
| Q3 25 | $18.9M | $45.1M | ||
| Q2 25 | $14.7M | $24.7M | ||
| Q1 25 | $8.0M | $16.6M | ||
| Q4 24 | $12.3M | $22.9M | ||
| Q3 24 | $11.6M | $38.7M | ||
| Q2 24 | $6.4M | $20.7M | ||
| Q1 24 | $1.9M | $11.7M |
| Q4 25 | 97.7% | — | ||
| Q3 25 | 97.3% | — | ||
| Q2 25 | 96.9% | — | ||
| Q1 25 | 96.8% | — | ||
| Q4 24 | 96.3% | — | ||
| Q3 24 | 96.2% | — | ||
| Q2 24 | 95.7% | — | ||
| Q1 24 | 94.5% | — |
| Q4 25 | 9.5% | 16.6% | ||
| Q3 25 | 10.1% | 26.5% | ||
| Q2 25 | 9.0% | 22.2% | ||
| Q1 25 | 4.8% | 21.8% | ||
| Q4 24 | 8.2% | 22.2% | ||
| Q3 24 | 8.1% | 26.9% | ||
| Q2 24 | 5.4% | 23.4% | ||
| Q1 24 | 1.9% | 18.6% |
| Q4 25 | 29.6% | 8.1% | ||
| Q3 25 | 10.8% | 18.5% | ||
| Q2 25 | 9.4% | 12.5% | ||
| Q1 25 | 4.8% | 10.0% | ||
| Q4 24 | 8.3% | 11.7% | ||
| Q3 24 | 8.0% | 17.8% | ||
| Q2 24 | 5.5% | 12.0% | ||
| Q1 24 | 2.1% | 7.8% |
| Q4 25 | $1.53 | $0.45 | ||
| Q3 25 | $0.50 | $1.27 | ||
| Q2 25 | $0.39 | $0.71 | ||
| Q1 25 | $0.21 | $0.49 | ||
| Q4 24 | $0.35 | $0.70 | ||
| Q3 24 | $0.31 | $1.17 | ||
| Q2 24 | $0.17 | $0.64 | ||
| Q1 24 | $0.05 | $0.36 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $171.4M | $20.7M |
| Total DebtLower is stronger | — | $1.9B |
| Stockholders' EquityBook value | $238.0M | $1.5B |
| Total Assets | $326.9M | $5.1B |
| Debt / EquityLower = less leverage | — | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $171.4M | $20.7M | ||
| Q3 25 | $145.8M | $11.3M | ||
| Q2 25 | $148.2M | $19.8M | ||
| Q1 25 | $125.0M | $23.7M | ||
| Q4 24 | $102.1M | $11.1M | ||
| Q3 24 | $82.8M | $4.0M | ||
| Q2 24 | $60.9M | $22.8M | ||
| Q1 24 | $48.6M | $4.5M |
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $238.0M | $1.5B | ||
| Q3 25 | $174.9M | $1.5B | ||
| Q2 25 | $170.3M | $1.5B | ||
| Q1 25 | $149.5M | $1.4B | ||
| Q4 24 | $135.4M | $1.4B | ||
| Q3 24 | $117.7M | $1.3B | ||
| Q2 24 | $100.8M | $1.3B | ||
| Q1 24 | $88.3M | $1.2B |
| Q4 25 | $326.9M | $5.1B | ||
| Q3 25 | $256.1M | $5.0B | ||
| Q2 25 | $241.4M | $4.8B | ||
| Q1 25 | $232.1M | $4.7B | ||
| Q4 24 | $210.5M | $4.7B | ||
| Q3 24 | $180.5M | $4.6B | ||
| Q2 24 | $158.0M | $4.4B | ||
| Q1 24 | $135.4M | $4.4B |
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $27.0M | $63.5M |
| Free Cash FlowOCF − Capex | $25.8M | — |
| FCF MarginFCF / Revenue | 13.2% | — |
| Capex IntensityCapex / Revenue | 0.6% | — |
| Cash ConversionOCF / Net Profit | 0.47× | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | $90.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.0M | $63.5M | ||
| Q3 25 | $19.8M | $77.3M | ||
| Q2 25 | $25.3M | $60.8M | ||
| Q1 25 | $23.3M | $43.2M | ||
| Q4 24 | $20.1M | $41.5M | ||
| Q3 24 | $23.6M | $53.5M | ||
| Q2 24 | $12.4M | $49.3M | ||
| Q1 24 | $10.4M | $51.2M |
| Q4 25 | $25.8M | — | ||
| Q3 25 | $18.5M | — | ||
| Q2 25 | $23.8M | — | ||
| Q1 25 | $22.2M | — | ||
| Q4 24 | $19.1M | — | ||
| Q3 24 | $22.1M | — | ||
| Q2 24 | $11.5M | — | ||
| Q1 24 | $9.7M | — |
| Q4 25 | 13.2% | — | ||
| Q3 25 | 10.6% | — | ||
| Q2 25 | 15.2% | — | ||
| Q1 25 | 13.3% | — | ||
| Q4 24 | 13.0% | — | ||
| Q3 24 | 15.3% | — | ||
| Q2 24 | 9.8% | — | ||
| Q1 24 | 10.6% | — |
| Q4 25 | 0.6% | — | ||
| Q3 25 | 0.7% | — | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 0.7% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 0.8% | — |
| Q4 25 | 0.47× | 3.92× | ||
| Q3 25 | 1.05× | 1.71× | ||
| Q2 25 | 1.72× | 2.47× | ||
| Q1 25 | 2.92× | 2.61× | ||
| Q4 24 | 1.64× | 1.81× | ||
| Q3 24 | 2.04× | 1.39× | ||
| Q2 24 | 1.93× | 2.38× | ||
| Q1 24 | 5.47× | 4.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EVER
| Automotive | $179.9M | 92% |
| Home And Renters | $15.4M | 8% |
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
