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PORCH GROUP INC (PRCH) Stock Fundamental Analysis

USA - NASDAQ:PRCH - US7332451043 - Common Stock

16.37 USD
+0.04 (+0.24%)
Last: 10/24/2025, 8:00:01 PM
16.37 USD
0 (0%)
After Hours: 10/24/2025, 8:00:01 PM
Fundamental Rating

3

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.


Dividend Valuation Growth Profitability Health

3

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.
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

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 RankSector 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
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 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 RankSector 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
PRCH Yearly Profit, Operating, Gross MarginsPRCH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 50 -50

1

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.
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 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 RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z 1.11
ROIC/WACC0.28
WACC10.73%
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

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 RankSector Rank
Current Ratio 1.72
Quick Ratio 1.72
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

6

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.
PRCH Yearly Revenue VS EstimatesPRCH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
PRCH Yearly EPS VS EstimatesPRCH Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0 -0.5 -1 -1.5

4

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 RankSector Rank
PE 30.31
Fwd PE 91.06
PRCH Price Earnings VS Forward Price EarningsPRCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

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 RankSector Rank
P/FCF N/A
EV/EBITDA 45.64
PRCH Per share dataPRCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 -2 3

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%

0

5. Dividend

5.1 Amount

No dividends for PRCH!.
Industry RankSector Rank
Dividend Yield N/A

PORCH GROUP INC

NASDAQ:PRCH (10/24/2025, 8:00:01 PM)

After market: 16.37 0 (0%)

16.37

+0.04 (+0.24%)

Chartmill FA Rating
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-1.42%
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 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)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 RankSector 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 RankSector 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 RankSector 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.