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PORCH GROUP INC (PRCH) Stock Fundamental Analysis

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

6.595  +0.14 (+2.25%)

After market: 6.72 +0.13 (+1.9%)

Fundamental Rating

1

Overall PRCH gets a fundamental rating of 1 out of 10. We evaluated PRCH against 283 industry peers in the Software industry. PRCH has a bad profitability rating. Also its financial health evaluation is rather negative. PRCH is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

PRCH had negative earnings in the past year.
In the past year PRCH has reported a negative cash flow from operations.
PRCH had negative earnings in each of the past 5 years.
PRCH had negative operating cash flow in 4 of the past 5 years.
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 2024 0 -50M -100M -150M

1.2 Ratios

With a Return On Assets value of -4.03%, PRCH perfoms like the industry average, outperforming 50.53% of the companies in the same industry.
Industry RankSector Rank
ROA -4.03%
ROE N/A
ROIC N/A
ROA(3y)-11.28%
ROA(5y)-14.14%
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 2024 0 100 -100 200 300

1.3 Margins

With a Gross Margin value of 48.47%, PRCH is not doing good in the industry: 70.32% of the companies in the same industry are doing better.
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 48.47%
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
PRCH Yearly Profit, Operating, Gross MarginsPRCH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 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 more shares outstanding
PRCH has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PRCH is higher compared to a year ago.
PRCH Yearly Shares OutstandingPRCH Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
PRCH Yearly Total Debt VS Total AssetsPRCH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

Based on the Altman-Z score of -0.54, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
PRCH has a Altman-Z score of -0.54. This is in the lower half of the industry: PRCH underperforms 72.79% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -0.54
ROIC/WACCN/A
WACC11.76%
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 2024 0 100M 200M 300M 400M

2.3 Liquidity

A Current Ratio of 0.88 indicates that PRCH may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.88, PRCH is doing worse than 77.39% of the companies in the same industry.
PRCH has a Quick Ratio of 0.88. This is a bad value and indicates that PRCH is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.88, PRCH is doing worse than 77.03% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.88
Quick Ratio 0.88
PRCH Yearly Current Assets VS Current LiabilitesPRCH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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3. Growth

3.1 Past

PRCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 64.10%, which is quite impressive.
The Revenue has been growing slightly by 1.73% in the past year.
The Revenue has been growing by 31.53% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)64.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1133.33%
Revenue 1Y (TTM)1.73%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%-12.43%

3.2 Future

Based on estimates for the next years, PRCH will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.57% on average per year.
The Revenue is expected to grow by 2.17% on average over the next years.
EPS Next Y-47.74%
EPS Next 2Y16.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-15.01%
Revenue Next 2Y2.17%
Revenue Next 3YN/A
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
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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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for PRCH. In the last year negative earnings were reported.
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

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

PRCH's earnings are expected to grow with 16.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y16.57%
EPS Next 3YN/A

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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 (3/7/2025, 8:00:01 PM)

After market: 6.72 +0.13 (+1.9%)

6.595

+0.14 (+2.25%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-25 2025-02-25/amc
Earnings (Next)05-06 2025-05-06/amc
Inst Owners55.26%
Inst Owner Change11.78%
Ins Owners19.35%
Ins Owner Change-0.63%
Market Cap791.80M
Analysts81.67
Price Target7.07 (7.2%)
Short Float %11.37%
Short Ratio5
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)2
Avg EPS beat(2)259.82%
Min EPS beat(2)139.75%
Max EPS beat(2)379.9%
EPS beat(4)3
Avg EPS beat(4)135.82%
Min EPS beat(4)-19.27%
Max EPS beat(4)379.9%
EPS beat(8)5
Avg EPS beat(8)81.82%
EPS beat(12)6
Avg EPS beat(12)29.34%
EPS beat(16)7
Avg EPS beat(16)19.71%
Revenue beat(2)0
Avg Revenue beat(2)-8.49%
Min Revenue beat(2)-10.79%
Max Revenue beat(2)-6.19%
Revenue beat(4)1
Avg Revenue beat(4)-3.85%
Min Revenue beat(4)-10.79%
Max Revenue beat(4)8.11%
Revenue beat(8)5
Avg Revenue beat(8)10.34%
Revenue beat(12)6
Avg Revenue beat(12)5.76%
Revenue beat(16)9
Avg Revenue beat(16)5.56%
PT rev (1m)11.49%
PT rev (3m)49.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)29.85%
EPS NY rev (1m)0%
EPS NY rev (3m)19.43%
Revenue NQ rev (1m)-7.05%
Revenue NQ rev (3m)-21.2%
Revenue NY rev (1m)-6.41%
Revenue NY rev (3m)-11.98%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.81
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.42
EYN/A
EPS(NY)-0.62
Fwd EYN/A
FCF(TTM)-0.37
FCFYN/A
OCF(TTM)-0.26
OCFYN/A
SpS3.65
BVpS-0.36
TBVpS-2.53
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.03%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 48.47%
FCFM N/A
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
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-11.32%
GM growth 5YN/A
F-Score3
Asset Turnover0.54
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 50.13%
Cap/Sales 2.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.88
Quick Ratio 0.88
Altman-Z -0.54
F-Score3
WACC11.76%
ROIC/WACCN/A
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)64.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1133.33%
EPS Next Y-47.74%
EPS Next 2Y16.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.73%
Revenue growth 3Y31.53%
Revenue growth 5YN/A
Sales Q2Q%-12.43%
Revenue Next Year-15.01%
Revenue Next 2Y2.17%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y51.49%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year149.44%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-286.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-193.38%
OCF growth 3YN/A
OCF growth 5YN/A