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PORCH GROUP INC (PRCH) Stock Fundamental Analysis

USA - NASDAQ:PRCH - US7332451043 - Common Stock

15.5 USD
0 (0%)
Last: 10/22/2025, 9:33:37 AM
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. Both the profitability and financial health of PRCH have multiple concerns. 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.
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

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 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

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 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.
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.
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 1.03. 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 RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z 1.03
ROIC/WACC0.27
WACC10.75%
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.
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 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.
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.
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

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 RankSector Rank
PE 28.7
Fwd PE 85.01
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

67.72% of the companies in the same industry are more expensive than PRCH, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 43.54
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

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%

0

5. Dividend

5.1 Amount

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

PORCH GROUP INC

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

15.5

0 (0%)

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-1.3%
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 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)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 RankSector 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 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 1.03
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