PORCH GROUP INC (PRCH)
US7332451043 - Common Stock
Taking everything into account, PRCH scores 2 out of 10 in our fundamental rating. 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 valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
PRCH had negative 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.
In the past 5 years PRCH reported 4 times negative operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -14.89%, PRCH is doing worse than 60.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -14.89% | ||
| ROE | N/A | ||
| ROIC | N/A |
ROA(3y)-13.36%
ROA(5y)-13.33%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PRCH has a Gross Margin of 48.80%. This is in the lower half of the industry: PRCH underperforms 68.25% of its industry peers.
PRCH's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for PRCH so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 48.8% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-13.59%
GM growth 5YN/A
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 reduced compared to 1 year ago.
PRCH has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.90, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
PRCH's Altman-Z score of -0.90 is on the low side compared to the rest of the industry. PRCH is outperformed by 76.28% of its industry peers.
The Debt to FCF ratio of PRCH is 18.28, which is on the high side as it means it would take PRCH, 18.28 years of fcf income to pay off all of its debts.
PRCH has a Debt to FCF ratio of 18.28. This is comparable to the rest of the industry: PRCH outperforms 47.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 18.28 | ||
| Altman-Z | -0.9 |
ROIC/WACCN/A
WACC8.9%
2.3 Liquidity
PRCH has a Current Ratio of 1.04. 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 1.04, PRCH is doing worse than 76.28% of the companies in the same industry.
PRCH has a Quick Ratio of 1.04. 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 1.04, PRCH is not doing good in the industry: 75.18% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.04 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
PRCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.48%, which is quite impressive.
The Revenue has grown by 54.16% in the past year. This is a very strong growth!
Measured over the past years, PRCH shows a very strong growth in Revenue. The Revenue has been growing by 81.22% on average per year.
EPS 1Y (TTM)25.48%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q91.67%
Revenue 1Y (TTM)54.16%
Revenue growth 3Y81.22%
Revenue growth 5YN/A
Revenue growth Q2Q70.3%
3.2 Future
Based on estimates for the next years, PRCH will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.99% on average per year.
Based on estimates for the next years, PRCH will show a quite strong growth in Revenue. The Revenue will grow by 13.01% on average per year.
EPS Next Y19.99%
EPS Next 2Y17.57%
EPS Next 3Y14.99%
EPS Next 5YN/A
Revenue Next Year11.12%
Revenue Next 2Y10.56%
Revenue Next 3Y13.01%
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.
4. Valuation
4.1 Price/Earnings Ratio
PRCH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for PRCH. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PRCH is valued cheaper than 90.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as PRCH's earnings are expected to grow with 14.99% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y17.57%
EPS Next 3Y14.99%
5. Dividend
5.1 Amount
PRCH does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PORCH GROUP INC
NASDAQ:PRCH (5/3/2024, 7:13:14 PM)
After market: 3.4 -0.04 (-1.16%)3.44
+0.12 (+3.61%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap335.74M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -14.89% | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 48.8% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.48
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.04 | ||
| Quick Ratio | 1.04 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)25.48%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y19.99%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)54.16%
Revenue growth 3Y81.22%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y