PORCH GROUP INC (PRCH) Stock Fundamental Analysis
USA - NASDAQ:PRCH - US7332451043 - Common Stock
16.37 USD
+0.04 (+0.24%)
16.37 USD
0 (0%)
Overall PRCH gets a fundamental rating of 3 out of 10. We evaluated PRCH against 285 industry peers in the Software industry. PRCH may be in some trouble as it scores bad on both profitability and health. PRCH has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year PRCH was profitable.
In the past year PRCH had a positive cash flow from operations.
In the past 5 years PRCH always reported negative net income.
PRCH had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
PRCH has a better Return On Assets (7.24%) than 77.62% of its industry peers.
With a decent Return On Invested Capital value of 2.96%, PRCH is doing good in the industry, outperforming 69.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.24% | ||
| ROE | N/A | ||
| ROIC | 2.96% |
ROA(3y)-11.28%
ROA(5y)-14.14%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PRCH has a better Profit Margin (12.82%) than 74.83% of its industry peers.
Looking at the Operating Margin, with a value of 6.05%, PRCH is in the better half of the industry, outperforming 69.23% of the companies in the same industry.
Looking at the Gross Margin, with a value of 67.66%, PRCH is in line with its industry, outperforming 48.60% of the companies in the same industry.
In the last couple of years the Gross Margin of PRCH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.05% | ||
| PM (TTM) | 12.82% | ||
| GM | 67.66% |
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
2. Health
2.1 Basic Checks
PRCH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
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.
The debt/assets ratio for PRCH is higher compared to a year ago.
2.2 Solvency
PRCH has an Altman-Z score of 1.11. This is a bad value and indicates that PRCH is not financially healthy and even has some risk of bankruptcy.
PRCH has a Altman-Z score of 1.11. This is in the lower half of the industry: PRCH underperforms 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.11 |
ROIC/WACC0.28
WACC10.73%
2.3 Liquidity
A Current Ratio of 1.72 indicates that PRCH should not have too much problems paying its short term obligations.
With a Current ratio value of 1.72, PRCH perfoms like the industry average, outperforming 54.90% of the companies in the same industry.
A Quick Ratio of 1.72 indicates that PRCH should not have too much problems paying its short term obligations.
PRCH's Quick ratio of 1.72 is in line compared to the rest of the industry. PRCH outperforms 55.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.72 | ||
| Quick Ratio | 1.72 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 157.45% over the past year.
PRCH shows a decrease in Revenue. In the last year, the revenue decreased by -7.42%.
The Revenue has been growing by 31.53% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)157.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%104.62%
Revenue 1Y (TTM)-7.42%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%-3.45%
3.2 Future
PRCH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 42.38% yearly.
PRCH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.89% yearly.
EPS Next Y110.32%
EPS Next 2Y55.82%
EPS Next 3Y42.38%
EPS Next 5YN/A
Revenue Next Year-6.87%
Revenue Next 2Y5%
Revenue Next 3Y8.89%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 30.31, which means the current valuation is very expensive for PRCH.
Compared to the rest of the industry, the Price/Earnings ratio of PRCH indicates a somewhat cheap valuation: PRCH is cheaper than 67.13% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.89. PRCH is around the same levels.
With a Price/Forward Earnings ratio of 91.06, PRCH can be considered very expensive at the moment.
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 22.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.31 | ||
| Fwd PE | 91.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRCH is valued a bit cheaper than the industry average as 66.78% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 45.64 |
4.3 Compensation for Growth
The 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 42.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y55.82%
EPS Next 3Y42.38%
5. Dividend
5.1 Amount
No dividends for PRCH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
16.37
+0.04 (+0.24%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners59.24%
Inst Owner Change-1.42%
Ins Owners17.81%
Ins Owner Change-1.29%
Market Cap2.01B
Revenue(TTM)435.60M
Net Income(TTM)55.83M
Analysts81.43
Price Target20.15 (23.09%)
Short Float %16.33%
Short Ratio8.28
Dividend
| Industry Rank | Sector 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)153.1%
Min EPS beat(2)132.68%
Max EPS beat(2)173.53%
EPS beat(4)4
Avg EPS beat(4)206.46%
Min EPS beat(4)132.68%
Max EPS beat(4)379.9%
EPS beat(8)7
Avg EPS beat(8)126.46%
EPS beat(12)7
Avg EPS beat(12)49.95%
EPS beat(16)9
Avg EPS beat(16)44.02%
Revenue beat(2)2
Avg Revenue beat(2)5.85%
Min Revenue beat(2)4.34%
Max Revenue beat(2)7.36%
Revenue beat(4)2
Avg Revenue beat(4)-1.32%
Min Revenue beat(4)-10.79%
Max Revenue beat(4)7.36%
Revenue beat(8)5
Avg Revenue beat(8)7.3%
Revenue beat(12)7
Avg Revenue beat(12)7.23%
Revenue beat(16)9
Avg Revenue beat(16)5.06%
PT rev (1m)5.33%
PT rev (3m)50%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-305.36%
EPS NY rev (1m)0%
EPS NY rev (3m)136.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.31 | ||
| Fwd PE | 91.06 | ||
| P/S | 4.61 | ||
| P/FCF | N/A | ||
| P/OCF | 196.46 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 45.64 |
EPS(TTM)0.54
EY3.3%
EPS(NY)0.18
Fwd EY1.1%
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)0.08
OCFY0.51%
SpS3.55
BVpS-0.24
TBVpS-2.3
PEG (NY)0.27
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.24% | ||
| ROE | N/A | ||
| ROCE | 3.74% | ||
| ROIC | 2.96% | ||
| ROICexc | 3.33% | ||
| ROICexgc | 5.59% | ||
| OM | 6.05% | ||
| PM (TTM) | 12.82% | ||
| GM | 67.66% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.57
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 7.76 | ||
| Cap/Depr | 58.48% | ||
| Cap/Sales | 3.28% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 20.12% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.72 | ||
| Quick Ratio | 1.72 | ||
| Altman-Z | 1.11 |
F-Score6
WACC10.73%
ROIC/WACC0.28
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)157.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%104.62%
EPS Next Y110.32%
EPS Next 2Y55.82%
EPS Next 3Y42.38%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.42%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%-3.45%
Revenue Next Year-6.87%
Revenue Next 2Y5%
Revenue Next 3Y8.89%
Revenue Next 5YN/A
EBIT growth 1Y133.13%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year192.88%
EBIT Next 3Y54.17%
EBIT Next 5YN/A
FCF growth 1Y87.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y145.68%
OCF growth 3YN/A
OCF growth 5YN/A
PORCH GROUP INC / PRCH FAQ
What is the ChartMill fundamental rating of PORCH GROUP INC (PRCH) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PRCH.
What is the valuation status for PRCH stock?
ChartMill assigns a valuation rating of 4 / 10 to PORCH GROUP INC (PRCH). This can be considered as Fairly Valued.
How profitable is PORCH GROUP INC (PRCH) stock?
PORCH GROUP INC (PRCH) has a profitability rating of 3 / 10.
What is the valuation of PORCH GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for PORCH GROUP INC (PRCH) is 30.31 and the Price/Book (PB) ratio is -68.5.
How financially healthy is PORCH GROUP INC?
The financial health rating of PORCH GROUP INC (PRCH) is 1 / 10.