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PORCH GROUP INC (PRCH) Stock Fundamental Analysis

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

12.28  -1.03 (-7.74%)

After market: 12.3587 +0.08 (+0.64%)

Fundamental Rating

2

PRCH gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 282 industry peers in the Software industry. Both the profitability and financial health of PRCH have multiple concerns. 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

PRCH had negative earnings in the past year.
PRCH had a negative operating cash flow in the past year.
PRCH had negative earnings in each of the past 5 years.
In the past 5 years PRCH reported 4 times negative operating cash flow.
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 -1.38% is fine compared to the rest of the industry. PRCH outperforms 60.99% of its industry peers.
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 has a worse Gross Margin (55.73%) than 64.18% 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.
The number of shares outstanding for PRCH has been increased compared to 1 year ago.
Compared to 5 years ago, PRCH has more shares outstanding
PRCH has a worse debt/assets ratio than last year.
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 0.40, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PRCH (0.40) is worse than 68.09% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z 0.4
ROIC/WACCN/A
WACC10.54%
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 1.52 indicates that PRCH should not have too much problems paying its short term obligations.
PRCH's Current ratio of 1.52 is in line compared to the rest of the industry. PRCH outperforms 48.94% 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 49.29% 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

The Earnings Per Share has grown by an impressive 85.42% over the past year.
Looking at the last year, PRCH shows a decrease in Revenue. The Revenue has decreased by -6.83% in the last year.
The Revenue has been growing by 31.53% on average over the past years. This is a very strong growth!
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

Based on estimates for the next years, PRCH will show a very strong growth in Earnings Per Share. The EPS will grow by 59.83% on average per year.
PRCH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.76% yearly.
EPS Next Y104.37%
EPS Next 2Y59.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.9%
Revenue Next 2Y5.76%
Revenue Next 3YN/A
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.
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

PRCH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 52.73, the valuation of PRCH can be described as expensive.
PRCH's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of PRCH to the average of the S&P500 Index (21.76), we can say PRCH is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 52.73
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 59.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y59.83%
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 (7/11/2025, 7:48:32 PM)

After market: 12.3587 +0.08 (+0.64%)

12.28

-1.03 (-7.74%)

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 Change0%
Ins Owners18.03%
Ins Owner Change1.45%
Market Cap1.49B
Analysts81.67
Price Target10.81 (-11.97%)
Short Float %13.34%
Short Ratio4.53
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)0%
PT rev (3m)40%
EPS NQ rev (1m)1.32%
EPS NQ rev (3m)-60.7%
EPS NY rev (1m)121.6%
EPS NY rev (3m)120.38%
Revenue NQ rev (1m)-3.22%
Revenue NQ rev (3m)7.82%
Revenue NY rev (1m)-1.71%
Revenue NY rev (3m)10.24%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 52.73
P/S 3.49
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)0.23
Fwd EY1.9%
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 0.4
F-Score4
WACC10.54%
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 Y104.37%
EPS Next 2Y59.83%
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-1.9%
Revenue Next 2Y5.76%
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