PORCH GROUP INC (PRCH) Fundamental Analysis & Valuation

NASDAQ:PRCH • US7332451043

Current stock price

7.58 USD
+0.41 (+5.72%)
At close:
7.58 USD
0 (0%)
After Hours:

This PRCH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PRCH Profitability Analysis

1.1 Basic Checks

  • PRCH had negative earnings in the past year.
  • In the past year PRCH had a positive cash flow from operations.
  • PRCH had negative earnings in each of the past 5 years.
  • In multiple years PRCH reported negative operating cash flow during the last 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 2025 0 50M -50M -100M -150M

1.2 Ratios

  • PRCH has a Return On Assets (-0.42%) which is in line with its industry peers.
  • PRCH has a better Return On Invested Capital (3.97%) than 70.40% of its industry peers.
Industry RankSector Rank
ROA -0.42%
ROE N/A
ROIC 3.97%
ROA(3y)-6.45%
ROA(5y)-8.91%
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 2025 0 100 -100 200 300

1.3 Margins

  • Looking at the Operating Margin, with a value of 7.60%, PRCH is in the better half of the industry, outperforming 71.84% of the companies in the same industry.
  • The Gross Margin of PRCH (70.48%) is comparable to the rest of the industry.
  • PRCH's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 7.6%
PM (TTM) N/A
GM 70.48%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y4.91%
GM growth 5Y-1.41%
PRCH Yearly Profit, Operating, Gross MarginsPRCH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. PRCH Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRCH is destroying value.
  • Compared to 1 year ago, PRCH has more shares outstanding
  • Compared to 5 years ago, PRCH has more shares outstanding
  • PRCH has a better debt/assets ratio than last year.
PRCH Yearly Shares OutstandingPRCH Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 0.30, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.30, PRCH is doing worse than 68.23% of the companies in the same industry.
  • The Debt to FCF ratio of PRCH is 7.55, which is on the high side as it means it would take PRCH, 7.55 years of fcf income to pay off all of its debts.
  • PRCH's Debt to FCF ratio of 7.55 is in line compared to the rest of the industry. PRCH outperforms 51.26% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 7.55
Altman-Z 0.3
ROIC/WACC0.38
WACC10.48%
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 2025 0 100M 200M 300M 400M

2.3 Liquidity

  • PRCH has a Current Ratio of 1.30. This is a normal value and indicates that PRCH is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of PRCH (1.30) is worse than 60.65% of its industry peers.
  • A Quick Ratio of 1.30 indicates that PRCH should not have too much problems paying its short term obligations.
  • PRCH has a Quick ratio of 1.30. This is comparable to the rest of the industry: PRCH outperforms 40.43% of its industry peers.
Industry RankSector Rank
Current Ratio 1.3
Quick Ratio 1.3
PRCH Yearly Current Assets VS Current LiabilitesPRCH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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

6

3. PRCH Growth Analysis

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.
  • The Revenue has grown by 10.18% in the past year. This is quite good.
  • The Revenue has been growing by 46.17% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)95.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-109.68%
Revenue 1Y (TTM)10.18%
Revenue growth 3Y20.47%
Revenue growth 5Y46.17%
Sales Q2Q%23.86%

3.2 Future

  • The Earnings Per Share is expected to grow by 170.76% on average over the next years. This is a very strong growth
  • 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 Y425.13%
EPS Next 2Y337.84%
EPS Next 3Y170.76%
EPS Next 5YN/A
Revenue Next Year18.35%
Revenue Next 2Y17.59%
Revenue Next 3Y15.75%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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 2028 0 -0.5 -1 -1.5

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4

4. PRCH Valuation Analysis

4.1 Price/Earnings Ratio

  • PRCH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 116.57 indicates a quite expensive valuation of PRCH.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PRCH.
  • PRCH is valuated expensively when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 116.57
PRCH Price Earnings VS Forward Price EarningsPRCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 100 -100 -200 -300

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRCH is valued a bit cheaper than 75.81% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, PRCH is valued a bit cheaper than 79.06% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.12
EV/EBITDA 19.88
PRCH Per share dataPRCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2

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 170.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y337.84%
EPS Next 3Y170.76%

More info and screens

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

0

5. PRCH Dividend Analysis

5.1 Amount

  • PRCH does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

PRCH Fundamentals: All Metrics, Ratios and Statistics

PORCH GROUP INC

NASDAQ:PRCH (3/13/2026, 8:00:00 PM)

After market: 7.58 0 (0%)

7.58

+0.41 (+5.72%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-11
Earnings (Next)05-04
Inst Owners64.42%
Inst Owner Change0.48%
Ins Owners17.42%
Ins Owner Change-0.86%
Market Cap943.41M
Revenue(TTM)482.41M
Net Income(TTM)-3.36M
Analysts82.86
Price Target16.7 (120.32%)
Short Float %15.68%
Short Ratio9.29
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)-91.14%
Min EPS beat(2)-241.01%
Max EPS beat(2)58.72%
EPS beat(4)3
Avg EPS beat(4)30.98%
Min EPS beat(4)-241.01%
Max EPS beat(4)173.53%
EPS beat(8)6
Avg EPS beat(8)83.4%
EPS beat(12)8
Avg EPS beat(12)64.87%
EPS beat(16)9
Avg EPS beat(16)29.75%
Revenue beat(2)2
Avg Revenue beat(2)7.53%
Min Revenue beat(2)4.15%
Max Revenue beat(2)10.92%
Revenue beat(4)4
Avg Revenue beat(4)6.69%
Min Revenue beat(4)4.15%
Max Revenue beat(4)10.92%
Revenue beat(8)5
Avg Revenue beat(8)1.42%
Revenue beat(12)9
Avg Revenue beat(12)9.12%
Revenue beat(16)10
Avg Revenue beat(16)5.99%
PT rev (1m)-7.09%
PT rev (3m)-9.66%
EPS NQ rev (1m)-13.64%
EPS NQ rev (3m)-108.33%
EPS NY rev (1m)-41.15%
EPS NY rev (3m)-55.52%
Revenue NQ rev (1m)-9.32%
Revenue NQ rev (3m)-9.62%
Revenue NY rev (1m)1.03%
Revenue NY rev (3m)1.03%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 116.57
P/S 1.96
P/FCF 18.12
P/OCF 14.2
P/B N/A
P/tB N/A
EV/EBITDA 19.88
EPS(TTM)-0.02
EYN/A
EPS(NY)0.07
Fwd EY0.86%
FCF(TTM)0.42
FCFY5.52%
OCF(TTM)0.53
OCFY7.04%
SpS3.88
BVpS-0.2
TBVpS-2.17
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.42%
ROE N/A
ROCE 5.03%
ROIC 3.97%
ROICexc 4.31%
ROICexgc 6.79%
OM 7.6%
PM (TTM) N/A
GM 70.48%
FCFM 10.79%
ROA(3y)-6.45%
ROA(5y)-8.91%
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 3Y4.91%
GM growth 5Y-1.41%
F-Score7
Asset Turnover0.6
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 7.55
Debt/EBITDA 6.3
Cap/Depr 58.69%
Cap/Sales 2.98%
Interest Coverage 250
Cash Conversion 108.64%
Profit Quality N/A
Current Ratio 1.3
Quick Ratio 1.3
Altman-Z 0.3
F-Score7
WACC10.48%
ROIC/WACC0.38
Cap/Depr(3y)50.06%
Cap/Depr(5y)43.24%
Cap/Sales(3y)2.75%
Cap/Sales(5y)2.89%
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 Y425.13%
EPS Next 2Y337.84%
EPS Next 3Y170.76%
EPS Next 5YN/A
Revenue 1Y (TTM)10.18%
Revenue growth 3Y20.47%
Revenue growth 5Y46.17%
Sales Q2Q%23.86%
Revenue Next Year18.35%
Revenue Next 2Y17.59%
Revenue Next 3Y15.75%
Revenue Next 5YN/A
EBIT growth 1Y156.79%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year537.77%
EBIT Next 3Y119.05%
EBIT Next 5YN/A
FCF growth 1Y217.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y309.64%
OCF growth 3YN/A
OCF growth 5YN/A

PORCH GROUP INC / PRCH Fundamental Analysis 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 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 2 / 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 425.13% in the next year.