9.95 USD
+0.56 (+5.96%)
9.95 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to PRCH. PRCH was compared to 276 industry peers in the Software industry. PRCH may be in some trouble as it scores bad on both profitability and health. PRCH is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
PRCH had positive 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.
PRCH had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
PRCH has a Return On Assets of 3.88%. This is in the better half of the industry: PRCH outperforms 69.20% of its industry peers.
With a decent Return On Invested Capital value of 5.10%, PRCH is doing good in the industry, outperforming 73.19% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
PRCH has a better Profit Margin (6.91%) than 66.67% of its industry peers.
Looking at the Operating Margin, with a value of 10.21%, PRCH is in the better half of the industry, outperforming 76.09% of the companies in the same industry.
PRCH's Gross Margin of 71.77% is in line compared to the rest of the industry. PRCH outperforms 56.88% of its industry peers.
In the last couple of years the Gross Margin of PRCH has declined.
| Industry Rank | Sector 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
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.
PRCH has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, PRCH has more shares outstanding
PRCH has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.50, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
PRCH's Altman-Z score of 0.50 is on the low side compared to the rest of the industry. PRCH is outperformed by 69.20% of its industry peers.
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.
With a Debt to FCF ratio value of 16.22, PRCH perfoms like the industry average, outperforming 48.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 16.22 | ||
| Altman-Z | 0.5 |
ROIC/WACC0.48
WACC10.55%
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 (1.33) which is comparable to the rest of the 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.
With a Quick ratio value of 1.33, PRCH perfoms like the industry average, outperforming 41.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.33 | ||
| Quick Ratio | 1.33 |
3. Growth
3.1 Past
PRCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 142.11%, which is quite impressive.
The Revenue has decreased by -2.13% in the past year.
The Revenue has been growing by 31.53% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)142.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-183.33%
Revenue 1Y (TTM)-2.13%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%6.19%
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 41.51% on average per year.
PRCH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.67% yearly.
EPS Next Y97.22%
EPS Next 2Y53.23%
EPS Next 3Y41.51%
EPS Next 5YN/A
Revenue Next Year-7.39%
Revenue Next 2Y4.12%
Revenue Next 3Y8.67%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 31.09 indicates a quite expensive valuation of PRCH.
Based on the Price/Earnings ratio, PRCH is valued a bit cheaper than 64.49% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.19, PRCH is valued at the same level.
The Price/Forward Earnings ratio is 68.06, which means the current valuation is very expensive for PRCH.
PRCH's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, PRCH is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.09 | ||
| Fwd PE | 68.06 |
4.2 Price Multiples
PRCH's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PRCH is cheaper than 76.09% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRCH is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 51.56 | ||
| EV/EBITDA | 20.91 |
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 41.51% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y53.23%
EPS Next 3Y41.51%
5. Dividend
5.1 Amount
No dividends for PRCH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
9.95
+0.56 (+5.96%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners66.57%
Inst Owner Change0%
Ins Owners17.53%
Ins Owner Change-1.7%
Market Cap1.23B
Revenue(TTM)442.48M
Net Income(TTM)30.59M
Analysts81.43
Price Target18.49 (85.83%)
Short Float %15.36%
Short Ratio8.42
Dividend
| Industry Rank | Sector 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)0%
PT rev (3m)-3.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-85.71%
EPS NY rev (1m)0%
EPS NY rev (3m)-126.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.09 | ||
| Fwd PE | 68.06 | ||
| P/S | 2.78 | ||
| P/FCF | 51.56 | ||
| P/OCF | 31.87 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.91 |
EPS(TTM)0.32
EY3.22%
EPS(NY)0.15
Fwd EY1.47%
FCF(TTM)0.19
FCFY1.94%
OCF(TTM)0.31
OCFY3.14%
SpS3.58
BVpS-0.23
TBVpS-2.23
PEG (NY)0.32
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.5 |
F-Score7
WACC10.55%
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)142.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-183.33%
EPS Next Y97.22%
EPS Next 2Y53.23%
EPS Next 3Y41.51%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.13%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%6.19%
Revenue Next Year-7.39%
Revenue Next 2Y4.12%
Revenue Next 3Y8.67%
Revenue Next 5YN/A
EBIT growth 1Y154.94%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year195.69%
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 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 3 / 10.
Can you provide the PE and PB ratios for PRCH stock?
The Price/Earnings (PE) ratio for PORCH GROUP INC (PRCH) is 31.09 and the Price/Book (PB) ratio is -44.08.
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 97.22% in the next year.