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PORCH GROUP INC (PRCH) Stock Fundamental Analysis

NASDAQ:PRCH - Nasdaq - US7332451043 - Common Stock - Currency: USD

4.53  -0.11 (-2.37%)

After market: 4.53 0 (0%)

Fundamental Rating

1

Taking everything into account, PRCH scores 1 out of 10 in our fundamental rating. PRCH was compared to 284 industry peers in the Software industry. Both the profitability and financial health of PRCH have multiple concerns. PRCH is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year PRCH has reported negative net income.
PRCH had a negative operating cash flow in the past year.
In the past 5 years PRCH always reported negative net income.
In the past 5 years PRCH reported 4 times negative operating cash flow.
PRCH Yearly Net Income VS EBIT VS OCF VS FCFPRCH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 0 -50M -100M -150M

1.2 Ratios

PRCH's Return On Assets of -7.59% is in line compared to the rest of the industry. PRCH outperforms 43.32% of its industry peers.
Industry RankSector Rank
ROA -7.59%
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
PRCH Yearly ROA, ROE, ROICPRCH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 0 100 -100 200 300

1.3 Margins

PRCH has a worse Gross Margin (44.87%) than 74.73% of its industry peers.
In the last couple of years the Gross Margin of PRCH has declined.
The Profit Margin and Operating Margin are not available for PRCH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 44.87%
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
PRCH Yearly Profit, Operating, Gross MarginsPRCH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 50 -50

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2. Health

2.1 Basic Checks

PRCH does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PRCH has less shares outstanding
PRCH has a worse debt/assets ratio than last year.
PRCH Yearly Shares OutstandingPRCH Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 20M 40M 60M 80M
PRCH Yearly Total Debt VS Total AssetsPRCH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

PRCH has an Altman-Z score of -0.82. This is a bad value and indicates that PRCH is not financially healthy and even has some risk of bankruptcy.
PRCH has a worse Altman-Z score (-0.82) than 75.81% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -0.82
ROIC/WACCN/A
WACC10.09%
PRCH Yearly LT Debt VS Equity VS FCFPRCH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

2.3 Liquidity

A Current Ratio of 0.83 indicates that PRCH may have some problems paying its short term obligations.
PRCH has a Current ratio of 0.83. This is amonst the worse of the industry: PRCH underperforms 81.59% of its industry peers.
A Quick Ratio of 0.83 indicates that PRCH may have some problems paying its short term obligations.
PRCH has a worse Quick ratio (0.83) than 81.23% of its industry peers.
Industry RankSector Rank
Current Ratio 0.83
Quick Ratio 0.83
PRCH Yearly Current Assets VS Current LiabilitesPRCH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 200M 400M 600M

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5

3. Growth

3.1 Past

PRCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 49.33%, which is quite impressive.
The Revenue has grown by 18.01% in the past year. This is quite good.
The Revenue has been growing by 81.22% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)49.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%300%
Revenue 1Y (TTM)18.01%
Revenue growth 3Y81.22%
Revenue growth 5YN/A
Sales Q2Q%-14.17%

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 20.96% on average per year.
PRCH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.29% yearly.
EPS Next Y50.31%
EPS Next 2Y21.23%
EPS Next 3Y20.96%
EPS Next 5YN/A
Revenue Next Year8.06%
Revenue Next 2Y-0.94%
Revenue Next 3Y6.29%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PRCH Yearly Revenue VS EstimatesPRCH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
PRCH Yearly EPS VS EstimatesPRCH Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 -0.5 -1 -1.5

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1

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 RankSector Rank
PE N/A
Fwd PE N/A
PRCH Price Earnings VS Forward Price EarningsPRCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PRCH Per share dataPRCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2

4.3 Compensation for Growth

A more expensive valuation may be justified as PRCH's earnings are expected to grow with 20.96% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y21.23%
EPS Next 3Y20.96%

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0

5. Dividend

5.1 Amount

PRCH does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PORCH GROUP INC

NASDAQ:PRCH (2/5/2025, 4:30:01 PM)

After market: 4.53 0 (0%)

4.53

-0.11 (-2.37%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)N/A N/A
Inst Owners49.28%
Inst Owner Change-2.1%
Ins Owners19.48%
Ins Owner Change-0.03%
Market Cap541.52M
Analysts81.54
Price Target6.34 (39.96%)
Short Float %11.14%
Short Ratio5.14
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)60.24%
Min EPS beat(2)-19.27%
Max EPS beat(2)139.75%
EPS beat(4)3
Avg EPS beat(4)62.23%
Min EPS beat(4)-19.27%
Max EPS beat(4)139.75%
EPS beat(8)4
Avg EPS beat(8)31.13%
EPS beat(12)5
Avg EPS beat(12)-3.85%
EPS beat(16)7
Avg EPS beat(16)-1.03%
Revenue beat(2)0
Avg Revenue beat(2)-6.37%
Min Revenue beat(2)-6.54%
Max Revenue beat(2)-6.19%
Revenue beat(4)2
Avg Revenue beat(4)2.13%
Min Revenue beat(4)-6.54%
Max Revenue beat(4)13.12%
Revenue beat(8)5
Avg Revenue beat(8)11.63%
Revenue beat(12)6
Avg Revenue beat(12)6.04%
Revenue beat(16)10
Avg Revenue beat(16)23.53%
PT rev (1m)0%
PT rev (3m)61.11%
EPS NQ rev (1m)-18.81%
EPS NQ rev (3m)-11.34%
EPS NY rev (1m)0.35%
EPS NY rev (3m)42.66%
Revenue NQ rev (1m)3.22%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.17%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.2
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.76
EYN/A
EPS(NY)-0.62
Fwd EYN/A
FCF(TTM)-0.48
FCFYN/A
OCF(TTM)-0.39
OCFYN/A
SpS3.78
BVpS-0.64
TBVpS-2.86
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.59%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 44.87%
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg 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-13.59%
GM growth 5YN/A
F-Score3
Asset Turnover0.52
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 46.22%
Cap/Sales 2.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.83
Quick Ratio 0.83
Altman-Z -0.82
F-Score3
WACC10.09%
ROIC/WACCN/A
Cap/Depr(3y)35.79%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.86%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)49.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%300%
EPS Next Y50.31%
EPS Next 2Y21.23%
EPS Next 3Y20.96%
EPS Next 5YN/A
Revenue 1Y (TTM)18.01%
Revenue growth 3Y81.22%
Revenue growth 5YN/A
Sales Q2Q%-14.17%
Revenue Next Year8.06%
Revenue Next 2Y-0.94%
Revenue Next 3Y6.29%
Revenue Next 5YN/A
EBIT growth 1Y52.22%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year99.06%
EBIT Next 3Y32.62%
EBIT Next 5YN/A
FCF growth 1Y-352.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1250.47%
OCF growth 3YN/A
OCF growth 5YN/A