9.19 USD
-0.49 (-5.06%)
9.19 USD
0 (0%)
Taking everything into account, PRCH scores 3 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- PRCH had positive earnings in the past year.
- In the past year PRCH had a positive cash flow from operations.
- In the past 5 years PRCH always reported negative net income.
- PRCH had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.88%, PRCH is in the better half of the industry, outperforming 69.57% of the companies in the same industry.
- PRCH's Return On Invested Capital of 5.10% is fine compared to the rest of the industry. PRCH outperforms 73.19% of its industry peers.
| 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
- Looking at the Profit Margin, with a value of 6.91%, PRCH is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
- Looking at the Operating Margin, with a value of 10.21%, PRCH is in the better half of the industry, outperforming 75.72% of the companies in the same industry.
- Looking at the Gross Margin, with a value of 71.77%, PRCH is in line with its industry, outperforming 56.88% of the companies in the same industry.
- PRCH's Gross Margin has declined in the last couple of years.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRCH is destroying value.
- PRCH has more shares outstanding than it did 1 year ago.
- PRCH has more shares outstanding than it did 5 years ago.
- PRCH has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.49, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
- PRCH has a Altman-Z score of 0.49. This is in the lower half of the industry: PRCH underperforms 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.
- PRCH has a Debt to FCF ratio (16.22) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 16.22 | ||
| Altman-Z | 0.49 |
ROIC/WACC0.48
WACC10.58%
2.3 Liquidity
- A Current Ratio of 1.33 indicates that PRCH should not have too much problems paying its short term obligations.
- The Current ratio of PRCH (1.33) 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.
- Looking at the Quick ratio, with a value of 1.33, PRCH is in line with its industry, 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
- The Earnings Per Share has grown by an impressive 142.11% over the past year.
- Looking at the last year, PRCH shows a decrease in Revenue. The Revenue has decreased by -2.13% in the last year.
- Measured over the past years, PRCH shows a very strong growth in Revenue. The Revenue has been growing by 31.53% on average per year.
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.
- Based on estimates for the next years, PRCH will show a quite strong growth in Revenue. The Revenue will grow by 8.67% on average per year.
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
- The Price/Earnings ratio is 28.72, which means the current valuation is very expensive for PRCH.
- Based on the Price/Earnings ratio, PRCH is valued a bit cheaper than 65.58% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.30, PRCH is valued at the same level.
- With a Price/Forward Earnings ratio of 62.86, PRCH can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PRCH is on the same level as its industry peers.
- The average S&P500 Price/Forward Earnings ratio is at 24.04. PRCH is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.72 | ||
| Fwd PE | 62.86 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PRCH is valued a bit cheaper than 76.45% of the companies in the same industry.
- PRCH's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.62 | ||
| EV/EBITDA | 20.55 |
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.
- PRCH's earnings are expected to grow with 41.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
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% |
9.19
-0.49 (-5.06%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners66.57%
Inst Owner Change0.01%
Ins Owners17.53%
Ins Owner Change-1.7%
Market Cap1.14B
Revenue(TTM)442.48M
Net Income(TTM)30.59M
Analysts81.43
Price Target18.49 (101.2%)
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)-8.23%
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 | 28.72 | ||
| Fwd PE | 62.86 | ||
| P/S | 2.57 | ||
| P/FCF | 47.62 | ||
| P/OCF | 29.43 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.55 |
EPS(TTM)0.32
EY3.48%
EPS(NY)0.15
Fwd EY1.59%
FCF(TTM)0.19
FCFY2.1%
OCF(TTM)0.31
OCFY3.4%
SpS3.58
BVpS-0.23
TBVpS-2.23
PEG (NY)0.3
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 | 0.49 |
F-Score7
WACC10.58%
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 28.72 and the Price/Book (PB) ratio is -40.71.
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.