PRCH Stock Analysis: Porch | NASDAQ
Insurance - Property & Casualty | NASDAQ, USA | Market Cap: 1.955m USD | 12M Return: 12.8% | US7332451043 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.4M
Qual. Beats: 1
Rev. Trend: 67.2%
Qual. Beats: 3
Warnings
Tailwinds
Seasonality 6.7 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. (PRCH) is a Seattle-based software, insurance, and consumer services company focused on the U.S. homeownership lifecycle. Founded in 2011 and listed on NASDAQ in January 2020, the company operates through four segments: Insurance Services, Software & Data, Consumer Services, and a Reciprocal Segment.
The Insurance Services segment manages and operates the Porch Reciprocal Exchange, providing underwriting, policy renewal, risk management, and portfolio management services. A reciprocal exchange is a policyholder-owned insurance structure in which premiums collected fund claims and operating costs, with any surplus typically returned to members rather than outside shareholders. The Reciprocal Segment includes Homeowners of America and the Porch Reciprocal Exchange, offering homeowners insurance directly to consumers.
The Software & Data segment sells subscription and transactional software to inspection, mortgage, title, and roofing companies, along with data products such as property insights and mover marketing. The Consumer Services segment offers home warranty products under the Porch Warranty brand and moving-related services such as moving labor, TV/internet, and home security setup.
Porchs vertically integrated model spans the move-in and post-purchase stages of homeownership, from inspections and title work through insurance, warranty, and ongoing home services. The company is classified in the Information Technology sector under Application Software, reflecting the technology-enabled nature of its core offerings.
- Insurance Services premium growth accelerates via Reciprocal Exchange
- Software & Data subscriptions expand with inspection and mortgage demand
- Housing market weakness pressures moving and home transaction volumes
| Net Income: -5.65m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 10.33 > 1.0 |
| NWC/Revenue: -47.63% < 20% (prev -1.70%; Δ -45.93% < -1%) |
| CFO/TA 0.12 > 3% & CFO 96.3m > Net Income -5.65m |
| Net Debt (188.7m) to EBITDA (91.4m): 2.06 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (116.9m) vs 12m ago -11.23% < -2% |
| Gross Margin: 71.59% > 18% (prev 67.66%; Δ 3.93% > 0.5%) |
| Asset Turnover: 63.58% > 50% (prev 56.52%; Δ 7.06% > 0%) |
| Interest Coverage Ratio: 1.09 > 6 (EBIT TTM 62.8m / Interest Expense TTM 57.7m) |
| A: -0.29 (Total Current Assets 88.5m - Total Current Liabilities 328.7m) / Total Assets 816.0m |
| B: -0.80 (Retained Earnings -649.9m / Total Assets 816.0m) |
| C: 0.08 (EBIT TTM 62.8m / Avg Total Assets 793.3m) |
| D: -0.01 (Book Value of Equity -11.8m / Total Liabilities 796.6m) |
| Altman-Z'' = -4.01 = D |
| DSRI: 0.19 (Receivables 14.2m/63.9m, Revenue 504.4m/435.6m) |
| GMI: 0.95 (GM 67.66% / 71.59%) |
| AQI: 1.43 (AQ_t 0.85 / AQ_t-1 0.60) |
| SGI: 1.16 (Revenue 504.4m / 435.6m) |
| TATA: -0.12 (NI -5.65m - CFO 96.3m) / TA 816.0m) |
| Beneish M = -3.38 (Cap -4..+1) = AA |
As of October 16, 2026, the stock is trading at USD 17.57 with a total of 2,163,092 shares traded. Over the past week, the price has changed by +0.23%, over one month by +9.47%, over three months by +27.83% and over the past year by +12.77%.
Current recommended Stop Loss: 16.50 (which is 6.1% or 1.3 ATR below the current price).
Porch has received a consensus analysts rating of 4.71. Therefore, it is recommended to buy PRCH.
- StrongBuy: 6
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 20.8 | 18.3% |
P/E Forward = 69.4444
P/S = 3.8061
P/B = 1.7993
Revenue TTM = 504.4m USD
EBIT TTM = 62.8m USD
EBITDA TTM = 91.4m USD
Long Term Debt = 397.5m USD (from longTermDebt, last quarter)
Short Term Debt = 7.79m USD (from shortTermDebt, last quarter)
Debt = 407.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 1.90m
Net Debt = 188.7m USD (calculated: Debt 407.2m - CCE 218.5m)
Enterprise Value = 2.14b USD (1.95b + Debt 407.2m - CCE 218.5m)
Interest Coverage Ratio = 1.09 (Ebit TTM 62.8m / Interest Expense TTM 57.7m)
EV/FCF = 25.62x (Enterprise Value 2.14b / FCF TTM 83.7m)
FCF Yield = 3.90% (FCF TTM 83.7m / Enterprise Value 2.14b)
FCF Margin = 16.59% (FCF TTM 83.7m / Revenue TTM 504.4m)
Net Margin = -1.12% (Net Income TTM -5.65m / Revenue TTM 504.4m)
Gross Margin = 71.59% ((Revenue TTM 504.4m - Cost of Revenue TTM 143.3m) / Revenue TTM)
Gross Margin QoQ = 62.17% (prev 75.00%)
Tobins Q-Ratio = 2.63 (Enterprise Value 2.14b / Total Assets 816.0m)
Interest Expense / Debt = 14.16% (Interest Expense 57.7m / Debt 407.2m)
Taxrate = 42.70% (11.4m / 26.7m)
NOPAT = 36.0m (EBIT 62.8m * (1 - 42.70%))
Current Ratio = 0.27 (Total Current Assets 88.5m / Total Current Liabilities 328.7m)
Debt / Equity = -34.40 (negative equity) (Debt 407.2m / totalStockholderEquity, last quarter -11.8m)
Debt / EBITDA = 2.06 (Net Debt 188.7m / EBITDA 91.4m)
Debt / FCF = 2.26 (Net Debt 188.7m / FCF TTM 83.7m)
Total Stockholder Equity = -22.4m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.71% (Net Income -5.65m / Total Assets 816.0m)
RoE = 25.17% (negative equity) (Net Income TTM -5.65m / Total Stockholder Equity -22.4m)
RoCE = 16.73% (EBIT 62.8m / Capital Employed (Equity -22.4m + L.T.Debt 397.5m))
RoIC = 4.90% (NOPAT 36.0m / Invested Capital 734.0m)
WACC = 13.47% (E(1.95b)/V(2.36b) * Re(14.58%) + D(407.2m)/V(2.36b) * Rd(14.16%) * (1-Tc(0.43)))
Discount Rate = 14.58% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 49.37 | Cagr: 8.39%
[DCF] Terminal Value 59.71% ; FCFF base≈83.7m ; Y1≈84.0m ; Y5≈89.0m
[DCF] Fair Price = 4.86 (EV 740.8m - Net Debt 188.7m = Equity 552.1m / Shares 113.5m; r=13.47% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 1.09 | # QB: 1
Revenue Correlation: 67.23 | Revenue CAGR: 5.38% | SUE: 0.86 | # QB: 3
EPS current Quarter (2026-09-30): EPS=0.02 | Chg30d=N/A | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=0.08 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+366.7% | GrowthRev=+22.7%
EPS next Year (2027-12-31): EPS=0.24 | Chg30d=+17.32% | Revisions=+0% | GrowthEPS=+203.1% | GrowthRev=+16.8%
[Analyst] Revisions Ratio: +0% (up=0, down=0)