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PORCH GROUP INC (PRCH) Stock Fundamental Analysis

NASDAQ:PRCH - Nasdaq - US7332451043 - Common Stock - Currency: USD

10.88  +0.23 (+2.16%)

After market: 10.88 0 (0%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to PRCH. PRCH was compared to 283 industry peers in the Software industry. PRCH may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, PRCH is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

PRCH had negative earnings in the past year.
PRCH had a negative operating cash flow in the past year.
PRCH had negative earnings in each of the past 5 years.
PRCH had negative operating cash flow in 4 of the past 5 years.
PRCH Yearly Net Income VS EBIT VS OCF VS FCFPRCH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 -50M -100M -150M

1.2 Ratios

With a Return On Assets value of -4.03%, PRCH perfoms like the industry average, outperforming 53.36% of the companies in the same industry.
Industry RankSector Rank
ROA -4.03%
ROE N/A
ROIC N/A
ROA(3y)-11.28%
ROA(5y)-14.14%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
PRCH Yearly ROA, ROE, ROICPRCH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 100 -100 200 300

1.3 Margins

PRCH has a Gross Margin of 48.47%. This is in the lower half of the industry: PRCH underperforms 68.20% of its industry peers.
PRCH's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for PRCH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 48.47%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-11.32%
GM growth 5YN/A
PRCH Yearly Profit, Operating, Gross MarginsPRCH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 50 -50

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0

2. Health

2.1 Basic Checks

PRCH does not have a ROIC to compare to the WACC, probably because it is not profitable.
PRCH has more shares outstanding than it did 1 year ago.
The number of shares outstanding for PRCH has been increased compared to 5 years ago.
PRCH has a worse debt/assets ratio than last year.
PRCH Yearly Shares OutstandingPRCH Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
PRCH Yearly Total Debt VS Total AssetsPRCH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

PRCH has an Altman-Z score of -0.33. This is a bad value and indicates that PRCH is not financially healthy and even has some risk of bankruptcy.
PRCH's Altman-Z score of -0.33 is on the low side compared to the rest of the industry. PRCH is outperformed by 69.61% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -0.33
ROIC/WACCN/A
WACC10.22%
PRCH Yearly LT Debt VS Equity VS FCFPRCH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

PRCH has a Current Ratio of 0.88. This is a bad value and indicates that PRCH is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.88, PRCH is not doing good in the industry: 79.51% of the companies in the same industry are doing better.
A Quick Ratio of 0.88 indicates that PRCH may have some problems paying its short term obligations.
PRCH has a Quick ratio of 0.88. This is in the lower half of the industry: PRCH underperforms 78.80% of its industry peers.
Industry RankSector Rank
Current Ratio 0.88
Quick Ratio 0.88
PRCH Yearly Current Assets VS Current LiabilitesPRCH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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5

3. Growth

3.1 Past

PRCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 79.17%, which is quite impressive.
PRCH shows a small growth in Revenue. In the last year, the Revenue has grown by 1.75%.
PRCH shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.53% yearly.
EPS 1Y (TTM)79.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%110%
Revenue 1Y (TTM)1.75%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%-9.26%

3.2 Future

PRCH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 59.32% yearly.
PRCH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.28% yearly.
EPS Next Y78.55%
EPS Next 2Y59.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.01%
Revenue Next 2Y2.28%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PRCH Yearly Revenue VS EstimatesPRCH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
PRCH Yearly EPS VS EstimatesPRCH Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0 -0.5 -1 -1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for PRCH. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 48.12, which means the current valuation is very expensive for PRCH.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PRCH is on the same level as its industry peers.
PRCH is valuated expensively when we compare the Price/Forward Earnings ratio to 20.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 48.12
PRCH Price Earnings VS Forward Price EarningsPRCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 -40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PRCH Per share dataPRCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

PRCH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PRCH's earnings are expected to grow with 59.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y59.32%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

PRCH does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PORCH GROUP INC

NASDAQ:PRCH (5/8/2025, 6:46:32 PM)

After market: 10.88 0 (0%)

10.88

+0.23 (+2.16%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners55.26%
Inst Owner Change-0.55%
Ins Owners19.35%
Ins Owner Change1.54%
Market Cap1.11B
Analysts83.33
Price Target8.16 (-25%)
Short Float %14.5%
Short Ratio3.85
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)259.82%
Min EPS beat(2)139.75%
Max EPS beat(2)379.9%
EPS beat(4)3
Avg EPS beat(4)135.82%
Min EPS beat(4)-19.27%
Max EPS beat(4)379.9%
EPS beat(8)5
Avg EPS beat(8)81.82%
EPS beat(12)6
Avg EPS beat(12)29.34%
EPS beat(16)7
Avg EPS beat(16)19.71%
Revenue beat(2)0
Avg Revenue beat(2)-8.49%
Min Revenue beat(2)-10.79%
Max Revenue beat(2)-6.19%
Revenue beat(4)1
Avg Revenue beat(4)-3.85%
Min Revenue beat(4)-10.79%
Max Revenue beat(4)8.11%
Revenue beat(8)5
Avg Revenue beat(8)10.34%
Revenue beat(12)6
Avg Revenue beat(12)5.76%
Revenue beat(16)9
Avg Revenue beat(16)5.56%
PT rev (1m)9.8%
PT rev (3m)28.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)54.61%
EPS NY rev (1m)0%
EPS NY rev (3m)85.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-13.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.01%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 48.12
P/S 2.54
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.2
EYN/A
EPS(NY)0.23
Fwd EY2.08%
FCF(TTM)-0.43
FCFYN/A
OCF(TTM)-0.31
OCFYN/A
SpS4.28
BVpS-0.42
TBVpS-2.97
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.03%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 48.47%
FCFM N/A
ROA(3y)-11.28%
ROA(5y)-14.14%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-11.32%
GM growth 5YN/A
F-Score3
Asset Turnover0.54
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 50.13%
Cap/Sales 2.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.88
Quick Ratio 0.88
Altman-Z -0.33
F-Score3
WACC10.22%
ROIC/WACCN/A
Cap/Depr(3y)42.97%
Cap/Depr(5y)40.18%
Cap/Sales(3y)3.02%
Cap/Sales(5y)3.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)79.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%110%
EPS Next Y78.55%
EPS Next 2Y59.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.75%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%-9.26%
Revenue Next Year-11.01%
Revenue Next 2Y2.28%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y51.49%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year182.3%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-286.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-193.38%
OCF growth 3YN/A
OCF growth 5YN/A