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PORCH GROUP INC (PRCH) Stock Fundamental Analysis

NASDAQ:PRCH - Nasdaq - US7332451043 - Common Stock - Currency: USD

10.9  0 (0%)

After market: 10.93 +0.03 (+0.28%)

Fundamental Rating

2

PRCH gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 284 industry peers in the Software industry. PRCH may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, PRCH is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year PRCH has reported negative net income.
PRCH had a negative operating cash flow in the past year.
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

Looking at the Return On Assets, with a value of -1.38%, PRCH is in the better half of the industry, outperforming 61.27% of the companies in the same industry.
Industry RankSector Rank
ROA -1.38%
ROE N/A
ROIC 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
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's Gross Margin of 55.73% is on the low side compared to the rest of the industry. PRCH is outperformed by 63.73% of its industry peers.
In the last couple of years the Gross Margin of PRCH has declined.
The Profit Margin and Operating Margin are not available for PRCH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 55.73%
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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1

2. Health

2.1 Basic Checks

PRCH does not have a ROIC to compare to the WACC, probably because it is not profitable.
PRCH has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, PRCH has more shares outstanding
Compared to 1 year ago, PRCH has a worse debt to assets ratio.
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

Based on the Altman-Z score of 0.28, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PRCH (0.28) is worse than 67.61% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z 0.28
ROIC/WACCN/A
WACC8.27%
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 1.52. This is a normal value and indicates that PRCH is financially healthy and should not expect problems in meeting its short term obligations.
PRCH's Current ratio of 1.52 is in line compared to the rest of the industry. PRCH outperforms 48.59% of its industry peers.
A Quick Ratio of 1.52 indicates that PRCH should not have too much problems paying its short term obligations.
PRCH has a Quick ratio of 1.52. This is comparable to the rest of the industry: PRCH outperforms 48.94% of its industry peers.
Industry RankSector Rank
Current Ratio 1.52
Quick Ratio 1.52
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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4

3. Growth

3.1 Past

PRCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 85.42%, which is quite impressive.
Looking at the last year, PRCH shows a decrease in Revenue. The Revenue has decreased by -6.83% 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)85.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%140%
Revenue 1Y (TTM)-6.83%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%-9.27%

3.2 Future

PRCH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 54.86% yearly.
Based on estimates for the next years, PRCH will show a small growth in Revenue. The Revenue will grow by 6.15% on average per year.
EPS Next Y79.76%
EPS Next 2Y54.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.19%
Revenue Next 2Y6.15%
Revenue Next 3YN/A
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 100M 200M 300M 400M 500M
PRCH Yearly EPS VS EstimatesPRCH Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0 -0.5 -1 -1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for PRCH. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 65.16, 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's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE N/A
Fwd PE 65.16
PRCH Price Earnings VS Forward Price EarningsPRCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 -50

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
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 54.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y54.86%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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PORCH GROUP INC

NASDAQ:PRCH (6/18/2025, 8:20:00 PM)

After market: 10.93 +0.03 (+0.28%)

10.9

0 (0%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners55.15%
Inst Owner Change11.98%
Ins Owners18.03%
Ins Owner Change-1.23%
Market Cap1.32B
Analysts81.82
Price Target10.81 (-0.83%)
Short Float %13.01%
Short Ratio4.4
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)276.71%
Min EPS beat(2)173.53%
Max EPS beat(2)379.9%
EPS beat(4)3
Avg EPS beat(4)168.48%
Min EPS beat(4)-19.27%
Max EPS beat(4)379.9%
EPS beat(8)6
Avg EPS beat(8)105.36%
EPS beat(12)6
Avg EPS beat(12)37.92%
EPS beat(16)8
Avg EPS beat(16)32.18%
Revenue beat(2)1
Avg Revenue beat(2)9.24%
Min Revenue beat(2)-10.79%
Max Revenue beat(2)29.27%
Revenue beat(4)1
Avg Revenue beat(4)1.44%
Min Revenue beat(4)-10.79%
Max Revenue beat(4)29.27%
Revenue beat(8)5
Avg Revenue beat(8)11.1%
Revenue beat(12)6
Avg Revenue beat(12)7.79%
Revenue beat(16)9
Avg Revenue beat(16)6.59%
PT rev (1m)32.5%
PT rev (3m)52.99%
EPS NQ rev (1m)-57.25%
EPS NQ rev (3m)67.89%
EPS NY rev (1m)0%
EPS NY rev (3m)86.3%
Revenue NQ rev (1m)5.73%
Revenue NQ rev (3m)10.57%
Revenue NY rev (1m)4.67%
Revenue NY rev (3m)17.44%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 65.16
P/S 3.1
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.14
EYN/A
EPS(NY)0.17
Fwd EY1.53%
FCF(TTM)-0.54
FCFYN/A
OCF(TTM)-0.42
OCFYN/A
SpS3.51
BVpS-0.43
TBVpS-2.54
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.38%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 55.73%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.53
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 54.72%
Cap/Sales 3.23%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.52
Quick Ratio 1.52
Altman-Z 0.28
F-Score4
WACC8.27%
ROIC/WACCN/A
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)85.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%140%
EPS Next Y79.76%
EPS Next 2Y54.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.83%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%-9.27%
Revenue Next Year-0.19%
Revenue Next 2Y6.15%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y76.26%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year190.06%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-86.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-110.61%
OCF growth 3YN/A
OCF growth 5YN/A