PRCH Stock Analysis: Porch | NASDAQ
Insurance - Property & Casualty | NASDAQ, USA | Market Cap: 1.662m USD | 12M Return: 17.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.4M
Qual. Beats: 0
Rev. Trend: 67.6%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 6.4 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Porch Group, Inc. is a U.S.-based company that develops and sells software and data solutions, manages insurance services, and provides consumer services centered on homeownership. It operates through four segments: Insurance Services, Software & Data, Consumer Services, and a Reciprocal Segment. The Insurance Services segment manages and operates Porch Reciprocal Exchange, while the Software & Data segment delivers subscription and transactional software along with data products for inspection, mortgage, title, roofing, and insurance companies. The Consumer Services segment offers home warranty products and moving-related services such as moving labor and TV/internet setup. The Reciprocal Segment, which is managed but not owned by Porch, encompasses Homeowners of America and Porch Reciprocal Exchange, providing homeowners insurance through collected premiums. Founded in 2011, the company is headquartered in Seattle, Washington.
Porch Group operates at the intersection of property technology (PropTech) and insurance technology (Insurtech), leveraging software tools and a policyholder-owned reciprocal exchange structure to serve the full lifecycle of homeownership. Its segment mix combines recurring software/data subscription revenue with insurance premiums and consumer warranty fees.
- Mortgage rates pressure Software and Data transaction revenue
- Reciprocal Exchange catastrophe losses threaten underwriting margins
- Capital raises to fund acquisitions dilute shareholders
| Net Income: -8.67m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 18.39 > 1.0 |
| NWC/Revenue: -12.15% < 20% (prev -0.61%; Δ -11.54% < -1%) |
| CFO/TA 0.11 > 3% & CFO 90.6m > Net Income -8.67m |
| Net Debt (215.9m) to EBITDA (103.4m): 2.09 < 3 |
| Current Ratio: 0.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (106.1m) vs 12m ago -6.38% < -2% |
| Gross Margin: 72.37% > 18% (prev 55.17%; Δ 17.20% > 0.5%) |
| Asset Turnover: 60.02% > 50% (prev 53.24%; Δ 6.78% > 0%) |
| Interest Coverage Ratio: 1.47 > 6 (EBIT TTM 80.8m / Interest Expense TTM 54.9m) |
| A: -0.07 (Total Current Assets 270.1m - Total Current Liabilities 328.7m) / Total Assets 806.6m |
| B: -0.81 (Retained Earnings -655.5m / Total Assets 806.6m) |
| C: 0.10 (EBIT TTM 80.8m / Avg Total Assets 804.4m) |
| D: -0.03 (Book Value of Equity -25.4m / Total Liabilities 780.3m) |
| Altman-Z'' = -2.49 = D |
| DSRI: 0.48 (Receivables 60.9m/112.9m, Revenue 482.8m/427.1m) |
| GMI: 0.76 (GM 55.17% / 72.37%) |
| AQI: 1.10 (AQ_t 0.63 / AQ_t-1 0.57) |
| SGI: 1.13 (Revenue 482.8m / 427.1m) |
| TATA: -0.12 (NI -8.67m - CFO 90.6m) / TA 806.6m) |
| Beneish M = -3.53 (Cap -4..+1) = AAA |
As of July 10, 2026, the stock is trading at USD 15.15 with a total of 914,573 shares traded. Over the past week, the price has changed by -5.19%, over one month by +58.97%, over three months by +115.81% and over the past year by +17.53%.
Current recommended Stop Loss: 14.20 (which is 6.3% or 1.2 ATR below the current price).
Porch has received a consensus analysts rating of 4.60. Therefore, it is recommended to buy PRCH.
- StrongBuy: 4
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 16.3 | 7.5% |
P/E Forward = 84.0336
P/S = 3.3317
P/B = 1.7993
Revenue TTM = 482.8m USD
EBIT TTM = 80.8m USD
EBITDA TTM = 103.4m USD
Long Term Debt = 391.3m USD (from longTermDebt, last quarter)
Short Term Debt = 7.78m USD (from shortTermDebt, last quarter)
Debt = 400.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 1.90m
Net Debt = 215.9m USD (calculated: Debt 400.9m - CCE 185.0m)
Enterprise Value = 1.88b USD (1.66b + Debt 400.9m - CCE 185.0m)
Interest Coverage Ratio = 1.47 (Ebit TTM 80.8m / Interest Expense TTM 54.9m)
EV/FCF = 22.65x (Enterprise Value 1.88b / FCF TTM 82.9m)
FCF Yield = 4.41% (FCF TTM 82.9m / Enterprise Value 1.88b)
FCF Margin = 17.17% (FCF TTM 82.9m / Revenue TTM 482.8m)
Net Margin = -1.80% (Net Income TTM -8.67m / Revenue TTM 482.8m)
Gross Margin = 72.37% ((Revenue TTM 482.8m - Cost of Revenue TTM 133.4m) / Revenue TTM)
Gross Margin QoQ = 75.00% (prev 77.02%)
Tobins Q-Ratio = 2.33 (Enterprise Value 1.88b / Total Assets 806.6m)
Interest Expense / Debt = 13.70% (Interest Expense 54.9m / Debt 400.9m)
Taxrate = 47.68% (12.3m / 25.8m)
NOPAT = 42.3m (EBIT 80.8m * (1 - 47.68%))
Current Ratio = 0.82 (Total Current Assets 270.1m / Total Current Liabilities 328.7m)
Debt / Equity = -15.79 (negative equity) (Debt 400.9m / totalStockholderEquity, last quarter -25.4m)
Debt / EBITDA = 2.09 (Net Debt 215.9m / EBITDA 103.4m)
Debt / FCF = 2.60 (Net Debt 215.9m / FCF TTM 82.9m)
Total Stockholder Equity = -26.8m (last 4 quarters mean from totalStockholderEquity)
RoA = -1.08% (Net Income -8.67m / Total Assets 806.6m)
RoE = 32.36% (negative equity) (Net Income TTM -8.67m / Total Stockholder Equity -26.8m)
RoCE = 22.16% (EBIT 80.8m / Capital Employed (Equity -26.8m + L.T.Debt 391.3m))
RoIC = 9.16% (NOPAT 42.3m / Invested Capital 461.5m)
WACC = 14.10% (E(1.66b)/V(2.06b) * Re(15.77%) + D(400.9m)/V(2.06b) * Rd(13.70%) * (1-Tc(0.48)))
Discount Rate = 15.77% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 71.91 | Cagr: 4.10%
[DCF] Terminal Value 58.05% ; FCFF base≈82.9m ; Y1≈83.2m ; Y5≈88.2m
[DCF] Fair Price = 4.37 (EV 694.2m - Net Debt 215.9m = Equity 478.3m / Shares 109.4m; r=14.10% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.10 | # QB: 0
Revenue Correlation: 67.64 | Revenue CAGR: 8.08% | SUE: 1.14 | # QB: 2
EPS current Quarter (2026-06-30): EPS=-0.01 | Chg30d=N/A | Revisions=+25% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.01 | Chg30d=N/A | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=-0.04 | Chg30d=+6.25% | Revisions=-25% | GrowthEPS=-25.0% | GrowthRev=+19.9%
EPS next Year (2027-12-31): EPS=0.14 | Chg30d=+2.61% | Revisions=+25% | GrowthEPS=+466.7% | GrowthRev=+16.5%
[Analyst] Revisions Ratio: +17% (up=2, down=1)