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Porch Group, Inc. PRCH

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21.64 USD +0.12 (+0.54%)

Nov 4, 2026, 1:40 PM EST

21.05 Day range 21.96
6.36 52-week range 21.96
YTD
+136.98%
1 year
+48.09%

Financial health

Altman Z-Score

1.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E -282×
FY 2018: -3.8×FY 2019: -2.1×FY 2020: -22.7×FY 2021: -13.4×FY 2022: -1.2×FY 2023: -2.2×FY 2024: -14.9×FY 2025: -282×
FY 2018 5y median -13.4× FY 2025
P/S 2.0×
FY 2018: 3.5×FY 2019: 2.8×FY 2020: 16.1×FY 2021: 7.6×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 1.1×FY 2025: 2.0×
FY 2018 5y median 1.1× FY 2025
P/B -38.5×
FY 2018: -6.2×FY 2019: -3.6×FY 2020: 10.8×FY 2021: 6.7×FY 2022: 2.3×FY 2023: -8.3×FY 2024: -11.3×FY 2025: -38.5×
FY 2018 5y median -8.3× FY 2025
P/FCF 18.2×
FY 2018: -6.1×FY 2019: -6.3×FY 2020: -22.6×FY 2021: -37.1×FY 2022: -6.5×FY 2023: 12.4×FY 2024: -15.2×FY 2025: 18.2×
FY 2018 5y median -6.5× FY 2025
EV/EBITDA 13.0×
FY 2018: -5.6×FY 2019: -3.0×FY 2020: -29.5×FY 2021: -16.5×FY 2022: -3.5×FY 2023: -6.1×FY 2024: 19.4×FY 2025: 13.0×
FY 2018 5y median -3.5× FY 2025
EV/Sales 2.7×
FY 2018: 4.5×FY 2019: 3.5×FY 2020: 14.0×FY 2021: 8.1×FY 2022: 1.5×FY 2023: 1.1×FY 2024: 1.7×FY 2025: 2.7×
FY 2018 5y median 1.7× FY 2025
FCF Yield 5.5%
FY 2018: -16.4%FY 2019: -15.9%FY 2020: -4.4%FY 2021: -2.7%FY 2022: -15.4%FY 2023: 8.1%FY 2024: -6.6%FY 2025: 5.5%
FY 2018 5y median -2.7% FY 2025

Profitability

Gross Margin 70.5%
FY 2018: 71.7%FY 2019: 72.3%FY 2020: 75.7%FY 2021: 69.5%FY 2022: 61.0%FY 2023: 48.8%FY 2024: 48.5%FY 2025: 70.5%
FY 2018 5y median 61.0% FY 2025
Operating Margin 7.6%
FY 2018: -91.0%FY 2019: -113.6%FY 2020: -58.4%FY 2021: -43.3%FY 2022: -64.2%FY 2023: -44.2%FY 2024: -14.7%FY 2025: 7.6%
FY 2018 5y median -43.3% FY 2025
Net Margin 3.2%
FY 2018: -92.2%FY 2019: -133.2%FY 2020: -74.7%FY 2021: -55.4%FY 2022: -56.7%FY 2023: -31.1%FY 2024: -7.5%FY 2025: 3.2%
FY 2018 5y median -31.1% FY 2025
ROE -62.2%
FY 2018: 161.8%FY 2019: 172.3%FY 2020: -50.3%FY 2021: -49.1%FY 2022: -197.3%FY 2023: 375.3%FY 2024: 75.9%FY 2025: -62.2%
FY 2018 5y median -49.1% FY 2025
ROIC 2.8%
FY 2018: -163.8%FY 2019: -768.5%FY 2020: -17.0%FY 2021: -11.3%FY 2022: -32.3%FY 2023: -43.5%FY 2024: -16.1%FY 2025: 2.8%
FY 2018 5y median -16.1% FY 2025
ROA 1.9%
FY 2018: -88.2%FY 2019: -213.2%FY 2020: -20.1%FY 2021: -10.3%FY 2022: -14.9%FY 2023: -14.9%FY 2024: -4.0%FY 2025: 1.9%
FY 2018 5y median -10.3% FY 2025

Growth (YoY)

Revenue 10.2%
FY 2018: 0.0%FY 2019: 43.3%FY 2020: -6.8%FY 2021: 166.2%FY 2022: 43.4%FY 2023: 55.9%FY 2024: 1.8%FY 2025: 10.2%
FY 2018 FY 2025
Operating Income 156.6%
FY 2018: 0.0%FY 2019: -78.9%FY 2020: 52.1%FY 2021: -97.4%FY 2022: -112.4%FY 2023: -7.5%FY 2024: 66.1%FY 2025: 156.6%
FY 2018 FY 2025
EPS (diluted) 90.2%
FY 2018: 0.0%FY 2019: -84.9%FY 2020: 86.8%FY 2021: -84.1%FY 2022: -38.8%FY 2023: 13.7%FY 2024: 76.3%FY 2025: 90.2%
FY 2018 FY 2025
Free Cash Flow 261.6%
FY 2018: 0.0%FY 2019: -8.4%FY 2020: -52.0%FY 2021: 23.4%FY 2022: 28.6%FY 2023: 184.6%FY 2024: -235.1%FY 2025: 261.6%
FY 2018 FY 2025

Financial Health

Current Ratio 1.3×
FY 2018: 0.1×FY 2019: 0.2×FY 2020: 6.8×FY 2021: 1.7×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.3×
FY 2018 5y median 1.2× FY 2025
Quick Ratio 1.3×
FY 2018: 0.1×FY 2019: 0.2×FY 2020: 6.8×FY 2021: 1.7×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.3×
FY 2018 5y median 1.2× FY 2025
Debt / Equity -16.0×
FY 2018: -1.9×FY 2019: -1.0×FY 2020: 0.4×FY 2021: 1.9×FY 2022: 5.6×FY 2023: -12.2×FY 2024: -9.3×FY 2025: -16.0×
FY 2018 5y median -9.3× FY 2025
Net Debt / EBITDA 3.4×
FY 2018: -1.2×FY 2019: -0.6×FY 2020: 4.3×FY 2021: -1.1×FY 2022: -1.9×FY 2023: -2.3×FY 2024: 6.3×FY 2025: 3.4×
FY 2018 5y median -1.1× FY 2025
Interest Coverage 0.7×
FY 2018: 0.0×FY 2019: -12.4×FY 2020: -2.9×FY 2021: -14.5×FY 2022: -20.3×FY 2023: -6.0×FY 2024: -1.5×FY 2025: 0.7×
FY 2018 5y median -6.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 2.6%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: -55.5%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31