PRCH Fundamental Analysis - PORCH GROUP INC

Fundamental Rating

Overall PRCH gets a fundamental rating of 3 out of 10. We evaluated PRCH against 285 industry peers in the Software industry. Both the profitability and financial health of PRCH have multiple concerns. PRCH has a correct valuation and a medium growth rate.

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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.

PRCH had negative earnings in each of the past 5 years.

PRCH had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

PRCH's Return On Assets of 7.24% is fine compared to the rest of the industry. PRCH outperforms 77.89% of its industry peers.

With a decent Return On Invested Capital value of 2.96%, PRCH is doing good in the industry, outperforming 69.82% 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

The Profit Margin of PRCH (12.82%) is better than 75.09% of its industry peers.

PRCH has a better Operating Margin (6.05%) than 69.12% of its industry peers.

PRCH has a Gross Margin (67.66%) which is comparable to the rest of the industry.

PRCH's Gross Margin has declined in the last couple of years.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, PRCH has more shares outstanding

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.

2.2 Solvency

PRCH has an Altman-Z score of 1.03. This is a bad value and indicates that PRCH is not financially healthy and even has some risk of bankruptcy.

With a Altman-Z score value of 1.03, PRCH is not doing good in the industry: 64.56% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	N/A
Altman-Z	1.03

ROIC/WACC0.27

WACC10.75%

2.3 Liquidity

A Current Ratio of 1.72 indicates that PRCH should not have too much problems paying its short term obligations.

Looking at the Current ratio, with a value of 1.72, PRCH is in line with its industry, outperforming 54.74% of the companies in the same industry.

PRCH has a Quick Ratio of 1.72. This is a normal value and indicates that PRCH is financially healthy and should not expect problems in meeting its short term obligations.

PRCH has a Quick ratio of 1.72. This is comparable to the rest of the industry: PRCH outperforms 55.44% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.72
Quick Ratio	1.72

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 157.45% over the past year.

Looking at the last year, PRCH shows a decrease in Revenue. The Revenue has decreased by -7.42% in the last year.

Measured over the past years, PRCH shows a very strong growth in Revenue. The Revenue has been growing by 31.53% on average per year.

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

Based on estimates for the next years, PRCH will show a very strong growth in Earnings Per Share. The EPS will grow by 34.57% on average per year.

The Revenue is expected to grow by 8.89% on average over the next years. This is quite good.

EPS Next Y110.32%

EPS Next 2Y56.02%

EPS Next 3Y34.57%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 28.70, PRCH can be considered very expensive at the moment.

Compared to the rest of the industry, the Price/Earnings ratio of PRCH indicates a somewhat cheap valuation: PRCH is cheaper than 68.42% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.77, PRCH is valued at the same level.

PRCH is valuated quite expensively with a Price/Forward Earnings ratio of 85.01.

The rest of the industry has a similar Price/Forward Earnings ratio as PRCH.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, PRCH is valued quite expensively.

		Industry Rank	Sector Rank
PE	28.7
Fwd PE	85.01

4.2 Price Multiples

67.72% of the companies in the same industry are more expensive than PRCH, based on the Enterprise Value to EBITDA ratio.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	43.54

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 34.57% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.26

PEG (5Y)N/A

EPS Next 2Y56.02%

EPS Next 3Y34.57%

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5. Dividend

5.1 Amount

PRCH does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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PORCH GROUP INC

NASDAQ:PRCH (10/22/2025, 9:33:37 AM)

15.5

0 (0%)

Chartmill FA Rating

GICS SectorInformation Technology

GICS IndustryGroupSoftware & Services

GICS IndustrySoftware

Earnings (Last)08-05 2025-08-05/amc

Earnings (Next)11-11 2025-11-11/amc

Inst Owners59.24%

Inst Owner Change-1.3%

Ins Owners17.81%

Ins Owner Change-1.29%

Market Cap1.90B

Revenue(TTM)435.60M

Net Income(TTM)55.83M

Analysts81.43

Price Target20.15 (30%)

Short Float %13.63%

Short Ratio6.51

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)86.32%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-305.36%

EPS NY rev (1m)-20.31%

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	28.7
Fwd PE	85.01
P/S	4.36
P/FCF	N/A
P/OCF	186.02
P/B	N/A
P/tB	N/A
EV/EBITDA	43.54

EPS(TTM)0.54

EY3.48%

EPS(NY)0.18

Fwd EY1.18%

FCF(TTM)-0.03

FCFYN/A

OCF(TTM)0.08

OCFY0.54%

SpS3.55

BVpS-0.24

TBVpS-2.3

PEG (NY)0.26

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	1.03

F-Score6

WACC10.75%

ROIC/WACC0.27

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 2Y56.02%

EPS Next 3Y34.57%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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