PORCH GROUP INC (PRCH) Stock Fundamental Analysis

NASDAQ:PRCH • US7332451043

8.83 USD
+0.2 (+2.32%)
At close: Feb 18, 2026
8.83 USD
0 (0%)
After Hours: 2/18/2026, 4:20:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, PRCH scores 3 out of 10 in our fundamental rating. PRCH was compared to 276 industry peers in the Software industry. PRCH has a bad profitability rating. Also its financial health evaluation is rather negative. PRCH does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • PRCH had negative earnings in the past year.
  • PRCH had a positive operating cash flow in the past year.
  • PRCH had negative earnings in each of the past 5 years.
  • In the past 5 years PRCH reported 4 times negative operating cash flow.
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

  • The Return On Assets of PRCH (3.88%) is better than 67.75% of its industry peers.
  • PRCH's Return On Invested Capital of 5.10% is fine compared to the rest of the industry. PRCH outperforms 72.10% of its industry peers.
Industry RankSector Rank
ROA 3.88%
ROE N/A
ROIC 5.1%
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

  • With a decent Profit Margin value of 6.91%, PRCH is doing good in the industry, outperforming 64.86% of the companies in the same industry.
  • Looking at the Operating Margin, with a value of 10.21%, PRCH is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
  • PRCH has a Gross Margin of 71.77%. This is comparable to the rest of the industry: PRCH outperforms 56.16% of its industry peers.
  • PRCH's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 10.21%
PM (TTM) 6.91%
GM 71.77%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • There is no outstanding debt for PRCH. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 0.43. 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 0.43, PRCH is not doing good in the industry: 67.39% of the companies in the same industry are doing better.
  • PRCH has a debt to FCF ratio of 16.22. This is a negative value and a sign of low solvency as PRCH would need 16.22 years to pay back of all of its debts.
  • PRCH has a Debt to FCF ratio of 16.22. This is comparable to the rest of the industry: PRCH outperforms 48.19% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 16.22
Altman-Z 0.43
ROIC/WACC0.48
WACC10.54%
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 1.33. 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 Current ratio of 1.33. This is comparable to the rest of the industry: PRCH outperforms 40.58% of its industry peers.
  • PRCH has a Quick Ratio of 1.33. This is a normal value and indicates that PRCH is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Quick ratio value of 1.33, PRCH perfoms like the industry average, outperforming 41.30% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.33
Quick Ratio 1.33
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • PRCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 95.24%, which is quite impressive.
EPS 1Y (TTM)95.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-109.68%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%23.86%

3.2 Future

  • PRCH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 312.86% yearly.
  • Based on estimates for the next years, PRCH will show a quite strong growth in Revenue. The Revenue will grow by 15.75% on average per year.
EPS Next Y652.48%
EPS Next 2Y312.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.65%
Revenue Next 2Y16.8%
Revenue Next 3Y15.75%
Revenue Next 5YN/A

3.3 Evolution

PRCH Yearly Revenue VS EstimatesPRCH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
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

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • PRCH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • The Price/Forward Earnings ratio is 79.91, which means the current valuation is very expensive for PRCH.
  • PRCH's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of PRCH to the average of the S&P500 Index (28.10), we can say PRCH is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 79.91
PRCH Price Earnings VS Forward Price EarningsPRCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -100 -200 -300 -400

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRCH is valued a bit cheaper than 72.83% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as PRCH.
Industry RankSector Rank
P/FCF 45.76
EV/EBITDA 19.56
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.
  • A more expensive valuation may be justified as PRCH's earnings are expected to grow with 312.86% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y312.86%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for PRCH!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PORCH GROUP INC

NASDAQ:PRCH (2/18/2026, 4:20:00 PM)

After market: 8.83 0 (0%)

8.83

+0.2 (+2.32%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-11
Earnings (Next)05-04
Inst Owners66.57%
Inst Owner Change-1.84%
Ins Owners17.53%
Ins Owner Change-1.56%
Market Cap1.09B
Revenue(TTM)N/A
Net Income(TTM)30.59M
Analysts81.43
Price Target17.98 (103.62%)
Short Float %14.44%
Short Ratio8.85
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1
Avg EPS beat(2)-54.16%
Min EPS beat(2)-241.01%
Max EPS beat(2)132.68%
EPS beat(4)3
Avg EPS beat(4)111.28%
Min EPS beat(4)-241.01%
Max EPS beat(4)379.9%
EPS beat(8)6
Avg EPS beat(8)86.75%
EPS beat(12)7
Avg EPS beat(12)57.84%
EPS beat(16)8
Avg EPS beat(16)24.93%
Revenue beat(2)2
Avg Revenue beat(2)5.76%
Min Revenue beat(2)4.15%
Max Revenue beat(2)7.36%
Revenue beat(4)3
Avg Revenue beat(4)1.27%
Min Revenue beat(4)-10.79%
Max Revenue beat(4)7.36%
Revenue beat(8)5
Avg Revenue beat(8)1.7%
Revenue beat(12)8
Avg Revenue beat(12)8.18%
Revenue beat(16)9
Avg Revenue beat(16)4.85%
PT rev (1m)-2.76%
PT rev (3m)-10.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-150%
EPS NY rev (1m)0%
EPS NY rev (3m)-260%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 79.91
P/S 2.47
P/FCF 45.76
P/OCF 28.28
P/B N/A
P/tB N/A
EV/EBITDA 19.56
EPS(TTM)-0.02
EYN/A
EPS(NY)0.11
Fwd EY1.25%
FCF(TTM)0.19
FCFY2.19%
OCF(TTM)0.31
OCFY3.54%
SpS3.58
BVpS-0.23
TBVpS-2.23
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 3.88%
ROE N/A
ROCE 6.45%
ROIC 5.1%
ROICexc 5.8%
ROICexgc 9.72%
OM 10.21%
PM (TTM) 6.91%
GM 71.77%
FCFM 5.39%
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-Score7
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 16.22
Debt/EBITDA 5.46
Cap/Depr 60.85%
Cap/Sales 3.33%
Interest Coverage 250
Cash Conversion 55.61%
Profit Quality 78.02%
Current Ratio 1.33
Quick Ratio 1.33
Altman-Z 0.43
F-Score7
WACC10.54%
ROIC/WACC0.48
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)95.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-109.68%
EPS Next Y652.48%
EPS Next 2Y312.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%23.86%
Revenue Next Year16.65%
Revenue Next 2Y16.8%
Revenue Next 3Y15.75%
Revenue Next 5YN/A
EBIT growth 1Y154.94%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year196.16%
EBIT Next 3Y56.88%
EBIT Next 5YN/A
FCF growth 1Y-58.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-42.8%
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.


Can you provide the valuation status for PORCH GROUP INC?

ChartMill assigns a valuation rating of 3 / 10 to PORCH GROUP INC (PRCH). This can be considered as Overvalued.


How profitable is PORCH GROUP INC (PRCH) stock?

PORCH GROUP INC (PRCH) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for PRCH stock?

The Earnings per Share (EPS) of PORCH GROUP INC (PRCH) is expected to grow by 652.48% in the next year.