PORCH GROUP INC (PRCH) Fundamental Analysis & Valuation

NASDAQ:PRCH • US7332451043

Current stock price

10.32 USD
+0.69 (+7.17%)
At close:
10.31 USD
-0.01 (-0.1%)
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.
  • 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's Return On Assets of -0.42% is in line compared to the rest of the industry. PRCH outperforms 54.04% of its industry peers.
  • PRCH's Return On Invested Capital of 3.97% is fine compared to the rest of the industry. PRCH outperforms 69.85% 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

  • The Operating Margin of PRCH (7.60%) is better than 70.96% of its industry peers.
  • PRCH's Gross Margin of 70.48% is in line compared to the rest of the industry. PRCH outperforms 56.62% of its industry peers.
  • In the last couple of years the Gross Margin of PRCH has remained more or less at the same level.
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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRCH is destroying value.
  • The number of shares outstanding for PRCH has been increased compared to 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

  • Based on the Altman-Z score of 0.52, 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 0.52, PRCH is doing worse than 68.75% of the companies in the same industry.
  • PRCH has a debt to FCF ratio of 7.55. This is a slightly negative value and a sign of low solvency as PRCH would need 7.55 years to pay back of all of its debts.
  • PRCH has a Debt to FCF ratio of 7.55. This is comparable to the rest of the industry: PRCH outperforms 48.90% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 7.55
Altman-Z 0.52
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

  • A Current Ratio of 1.30 indicates that PRCH should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.30, PRCH is doing worse than 61.76% of the companies in the same industry.
  • A Quick Ratio of 1.30 indicates that PRCH should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.30, PRCH is doing worse than 60.66% of the companies in the same industry.
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 for PRCH have decreased by 0.00% in the last year.
  • PRCH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.18%.
  • PRCH shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.17% yearly.
EPS 1Y (TTM)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
Revenue 1Y (TTM)10.18%
Revenue growth 3Y20.47%
Revenue growth 5Y46.17%
Sales Q2Q%29.44%

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.
  • The Revenue is expected to grow by 15.75% on average over the next years. This is quite good.
EPS Next Y431.5%
EPS Next 2Y339.77%
EPS Next 3Y170.76%
EPS Next 5YN/A
Revenue Next Year18.68%
Revenue Next 2Y17.86%
Revenue Next 3Y15.75%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

  • The Price/Earnings Ratio is negative for PRCH. In the last year negative earnings were reported.
  • Based on the Price/Forward Earnings ratio of 29.76, the valuation of PRCH can be described as expensive.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PRCH.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.75, PRCH is valued a bit more expensive.
Industry RankSector Rank
PE N/A
Fwd PE 29.76
PRCH Price Earnings VS Forward Price EarningsPRCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60

4.2 Price Multiples

  • PRCH's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PRCH is cheaper than 69.49% of the companies in the same industry.
  • PRCH's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PRCH is cheaper than 68.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 24.67
EV/EBITDA 24.89
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 2Y339.77%
EPS Next 3Y170.76%

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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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PRCH Fundamentals: All Metrics, Ratios and Statistics

PORCH GROUP INC

NASDAQ:PRCH (5/1/2026, 4:00:09 PM)

After market: 10.31 -0.01 (-0.1%)

10.32

+0.69 (+7.17%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Industry Strength6.83
Industry Growth64.6
Earnings (Last)04-28
Earnings (Next)08-03
Inst Owners64.66%
Inst Owner Change0.04%
Ins Owners21.76%
Ins Owner Change14.64%
Market Cap1.28B
Revenue(TTM)482.41M
Net Income(TTM)-3.36M
Analysts82.86
Price Target16.61 (60.95%)
Short Float %17.71%
Short Ratio11.8
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)-0.55%
PT rev (3m)-10.15%
EPS NQ rev (1m)-23.61%
EPS NQ rev (3m)-37.65%
EPS NY rev (1m)1.96%
EPS NY rev (3m)-40%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)-8.89%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)1.31%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 29.76
P/S 2.66
P/FCF 24.67
P/OCF 19.34
P/B N/A
P/tB N/A
EV/EBITDA 24.89
EPS(TTM)-0.14
EYN/A
EPS(NY)0.35
Fwd EY3.36%
FCF(TTM)0.42
FCFY4.05%
OCF(TTM)0.53
OCFY5.17%
SpS3.88
BVpS-0.2
TBVpS-2.17
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
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 0.52
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)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
EPS Next Y431.5%
EPS Next 2Y339.77%
EPS Next 3Y170.76%
EPS Next 5YN/A
Revenue 1Y (TTM)10.18%
Revenue growth 3Y20.47%
Revenue growth 5Y46.17%
Sales Q2Q%29.44%
Revenue Next Year18.68%
Revenue Next 2Y17.86%
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.


Can you provide the profitability details for PORCH GROUP INC?

PORCH GROUP INC (PRCH) has a profitability rating of 2 / 10.


What is the financial health of PORCH GROUP INC (PRCH) stock?

The financial health rating of PORCH GROUP INC (PRCH) is 2 / 10.