PORCH GROUP INC (PRCH) Stock Fundamental Analysis

NASDAQ:PRCH • US7332451043

8.36 USD
-0.18 (-2.11%)
At close: Feb 13, 2026
8.36 USD
0 (0%)
After Hours: 2/13/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PRCH. PRCH was compared to 277 industry peers in the Software industry. PRCH has a bad profitability rating. Also its financial health evaluation is rather negative. PRCH has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year PRCH has reported negative net income.
  • 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's Return On Assets of 3.88% is fine compared to the rest of the industry. PRCH outperforms 68.95% of its industry peers.
  • PRCH has a Return On Invested Capital of 5.10%. This is in the better half of the industry: PRCH outperforms 72.56% 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

  • PRCH has a Profit Margin of 6.91%. This is in the better half of the industry: PRCH outperforms 66.06% of its industry peers.
  • PRCH's Operating Margin of 10.21% is fine compared to the rest of the industry. PRCH outperforms 75.45% of its industry peers.
  • PRCH has a Gross Margin (71.77%) which is in line with its industry peers.
  • In the last couple of years the Gross Margin of PRCH has declined.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRCH 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: 66.79% 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.
  • The Debt to FCF ratio of PRCH (16.22) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 16.22
Altman-Z 0.43
ROIC/WACC0.49
WACC10.5%
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 1.33 indicates that PRCH should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.33, PRCH perfoms like the industry average, outperforming 40.79% of the companies in the same industry.
  • 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.
  • PRCH has a Quick ratio (1.33) which is in line with its industry peers.
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

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

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 95.24% over the past year.
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%11.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 312.86% 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 17.72% on average per year.
EPS Next Y652.48%
EPS Next 2Y312.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.06%
Revenue Next 2Y17.72%
Revenue Next 3YN/A
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 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

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for PRCH. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 75.66 indicates a quite expensive valuation of PRCH.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PRCH.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. PRCH is valued rather expensively when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 75.66
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

  • PRCH's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PRCH is cheaper than 72.92% of the companies in the same industry.
  • PRCH's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 43.32
EV/EBITDA 19.4
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 312.86% in the coming years. This may justify a more expensive valuation.
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 (2/13/2026, 8:00:00 PM)

After market: 8.36 0 (0%)

8.36

-0.18 (-2.11%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-11
Earnings (Next)05-04
Inst Owners66.57%
Inst Owner Change-0.5%
Ins Owners17.53%
Ins Owner Change-1.56%
Market Cap1.03B
Revenue(TTM)N/A
Net Income(TTM)30.59M
Analysts81.43
Price Target17.98 (115.07%)
Short Float %15.09%
Short Ratio10.82
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)-41.03%
EPS NQ rev (3m)-161.9%
EPS NY rev (1m)-494.93%
EPS NY rev (3m)-260%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-4.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 75.66
P/S 2.34
P/FCF 43.32
P/OCF 26.78
P/B N/A
P/tB N/A
EV/EBITDA 19.4
EPS(TTM)-0.02
EYN/A
EPS(NY)0.11
Fwd EY1.32%
FCF(TTM)0.19
FCFY2.31%
OCF(TTM)0.31
OCFY3.73%
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
WACC10.5%
ROIC/WACC0.49
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%11.85%
Revenue Next Year17.06%
Revenue Next 2Y17.72%
Revenue Next 3YN/A
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.