EverQuote (NASDAQ:EVER – Get Free Report) and Cardlytics (NASDAQ:CDLX – Get Free Report) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, profitability, risk, valuation, institutional ownership, analyst recommendations and earnings.
Risk and Volatility
EverQuote has a beta of 1.04, meaning that its stock price is 4% more volatile than the S&P 500. Comparatively, Cardlytics has a beta of 1.65, meaning that its stock price is 65% more volatile than the S&P 500.
Analyst Ratings
This is a summary of current recommendations and price targets for EverQuote and Cardlytics, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| EverQuote | 0 | 0 | 6 | 0 | 3.00 |
| Cardlytics | 1 | 5 | 0 | 0 | 1.83 |
Profitability
This table compares EverQuote and Cardlytics’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| EverQuote | -8.55% | -13.24% | -8.99% |
| Cardlytics | -50.21% | -17.96% | -5.97% |
Institutional & Insider Ownership
91.5% of EverQuote shares are held by institutional investors. Comparatively, 68.1% of Cardlytics shares are held by institutional investors. 29.8% of EverQuote shares are held by company insiders. Comparatively, 4.4% of Cardlytics shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Earnings & Valuation
This table compares EverQuote and Cardlytics’ top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| EverQuote | $318.92 million | 2.33 | -$51.29 million | ($1.41) | -15.20 |
| Cardlytics | $305.42 million | 0.55 | -$134.70 million | ($4.42) | -0.78 |
EverQuote has higher revenue and earnings than Cardlytics. EverQuote is trading at a lower price-to-earnings ratio than Cardlytics, indicating that it is currently the more affordable of the two stocks.
Summary
EverQuote beats Cardlytics on 10 of the 14 factors compared between the two stocks.
About EverQuote
EverQuote, Inc. operates an online marketplace for insurance shopping in the United States. The company offers auto, home and renters, and life insurance. The company serves carriers and agents, as well as indirect distributors. The company was formerly known as AdHarmonics, Inc., and changed its name to EverQuote, Inc. in November 2014. EverQuote, Inc. was incorporated in 2008 and is based in Cambridge, Massachusetts.
About Cardlytics
Cardlytics, Inc. operates an advertising platform in the United States and the United Kingdom. It offers Cardlytics platform, a proprietary native bank advertising channel that enables marketers to reach customers through their network of financial institution partners through digital channels, such as online, mobile applications, email, and various real-time notifications; and Bridg platform, a customer data platform which utilizes point-of-sale data and enables marketers to perform analytics and targeted loyalty marketing, as well as measure the impact of their marketing. The company was incorporated in 2008 and is headquartered in Atlanta, Georgia.
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