{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-21-301120","form_type":"8-K","ticker":"EVER","cik":"0001640428","company_name":"EverQuote, Inc.","filed_at":"2021-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:04:13.438349+00:00","generated_at":"2026-06-28T20:18:14.124415+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"EverQuote preannounces Q3 revenue $106.5-107.5M, below guidance; cuts non-marketing costs 10%","bullets":["Total revenue expected $106.5-107.5M vs guidance of $109-111M; variable marketing margin $32-32.5M vs $33-34M.","Adjusted EBITDA forecast $2.0-2.5M, well below guidance of $4.5-5.5M; GAAP net loss $5.5-6.0M.","Auto insurance carriers pulled back marketing due to higher claims losses; EverQuote cites temporary industry dynamics.","Company implementing ~10% structural reduction in non-marketing operating expenses, mainly in auto marketplace operations.","Management expects non-auto verticals (health) to be unaffected and remains confident in Q4 health insurance outlook."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-21-301120","json":"https://secwatch.observer/filing/0001193125-21-301120.json","markdown":"https://secwatch.observer/filing/0001193125-21-301120.md","text":"https://secwatch.observer/filing/0001193125-21-301120.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1640428/000119312521301120/0001193125-21-301120-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1640428/000119312521301120/d232950d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T20:18:14.124415+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}