PORCH GROUP INC (PRCH) Fundamental Analysis & Valuation

NASDAQ:PRCH • US7332451043

Current stock price

7.21 USD
-0.27 (-3.61%)
At close:
7.21 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

  • In the past year PRCH has reported negative net income.
  • PRCH had a positive operating cash flow in the past year.
  • In the past 5 years PRCH always reported negative net income.
  • The reported operating cash flow has been mixed in the past 5 years: PRCH reported negative operating cash flow in multiple 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.
  • Looking at the Return On Invested Capital, with a value of 3.97%, PRCH is in the better half of the industry, outperforming 70.50% of the companies in the same industry.
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

  • PRCH has a better Operating Margin (7.60%) than 71.94% of its industry peers.
  • PRCH has a Gross Margin (70.48%) which 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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2

2. PRCH Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRCH is destroying value.
  • PRCH has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for PRCH has been increased compared to 5 years ago.
  • Compared to 1 year ago, PRCH has an improved debt to assets ratio.
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

  • PRCH has an Altman-Z score of 0.33. This is a bad value and indicates that PRCH is not financially healthy and even has some risk of bankruptcy.
  • PRCH has a Altman-Z score of 0.33. This is in the lower half of the industry: PRCH underperforms 66.91% of its industry peers.
  • 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 has a Debt to FCF ratio (7.55) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 7.55
Altman-Z 0.33
ROIC/WACC0.38
WACC10.38%
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.
  • Looking at the Current ratio, with a value of 1.30, PRCH is doing worse than 61.15% of the companies in the same industry.
  • PRCH has a Quick 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.
  • PRCH has a Quick ratio of 1.30. This is in the lower half of the industry: PRCH underperforms 60.07% 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

  • The Earnings Per Share has grown by an impressive 95.24% over the past year.
  • The Revenue has grown by 10.18% in the past year. This is quite good.
  • PRCH shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.17% yearly.
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

  • Based on estimates for the next years, PRCH will show a very strong growth in Earnings Per Share. The EPS will grow by 170.76% on average per year.
  • PRCH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.75% yearly.
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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Find the best growth stocksShow best growing peers

4

4. PRCH Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for PRCH. In the last year negative earnings were reported.
  • PRCH is valuated quite expensively with a Price/Forward Earnings ratio of 110.88.
  • 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 (22.79), we can say PRCH is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 110.88
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 the industry average as 73.02% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, PRCH is valued a bit cheaper than 76.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.24
EV/EBITDA 20.51
PRCH Per share dataPRCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2

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 170.76% in the coming years.
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

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

More info and screens

Find the best dividend stocksShow peers with best dividend

PRCH Fundamentals: All Metrics, Ratios and Statistics

PORCH GROUP INC

NASDAQ:PRCH (3/26/2026, 4:30:02 PM)

After market: 7.21 0 (0%)

7.21

-0.27 (-3.61%)

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 Change15.14%
Market Cap897.36M
Revenue(TTM)482.41M
Net Income(TTM)-3.36M
Analysts82.86
Price Target16.7 (131.62%)
Short Float %15.91%
Short Ratio9.61
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)-11.36%
EPS NQ rev (3m)-104.17%
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 110.88
P/S 1.86
P/FCF 17.24
P/OCF 13.51
P/B N/A
P/tB N/A
EV/EBITDA 20.51
EPS(TTM)-0.02
EYN/A
EPS(NY)0.07
Fwd EY0.9%
FCF(TTM)0.42
FCFY5.8%
OCF(TTM)0.53
OCFY7.4%
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 0.33
F-Score7
WACC10.38%
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.