PORCH GROUP INC (PRCH)
US7332451043 - Common Stock
We assign a fundamental rating of 1 out of 10 to PRCH. PRCH was compared to 280 industry peers in the Software industry. PRCH has a bad profitability rating. Also its financial health evaluation is rather negative. PRCH is quite expensive at the moment. It does show a decent growth rate.
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.
PRCH had negative earnings in each of the past 5 years.
In the past 5 years PRCH reported 4 times negative operating cash flow.
1.2 Ratios
PRCH's Return On Assets of -7.59% is in line compared to the rest of the industry. PRCH outperforms 43.57% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
PRCH has a Gross Margin of 44.87%. This is in the lower half of the industry: PRCH underperforms 73.21% 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 Rank | Sector 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
2. Health
2.1 Basic Checks
PRCH does not have a ROIC to compare to the WACC, probably because it is not profitable.
PRCH has less shares outstanding than it did 1 year ago.
PRCH has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.91, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.91, PRCH is not doing good in the industry: 77.14% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.91 |
ROIC/WACCN/A
WACC9.8%
2.3 Liquidity
PRCH has a Current Ratio of 0.83. This is a bad value and indicates that PRCH is not financially healthy enough and could expect problems in meeting its short term obligations.
PRCH's Current ratio of 0.83 is on the low side compared to the rest of the industry. PRCH is outperformed by 81.43% of its industry peers.
PRCH has a Quick Ratio of 0.83. This is a bad value and indicates that PRCH is not financially healthy enough and could expect problems in meeting its short term obligations.
PRCH's Quick ratio of 0.83 is on the low side compared to the rest of the industry. PRCH is outperformed by 81.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 49.33% over the past year.
Looking at the last year, PRCH shows a quite strong growth in Revenue. The Revenue has grown by 18.01% in the last year.
Measured over the past years, PRCH shows a very strong growth in Revenue. The Revenue has been growing by 81.22% on average per year.
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 quite strong growth in Earnings Per Share. The EPS will grow by 13.88% on average per year.
Based on estimates for the next years, PRCH will show a quite strong growth in Revenue. The Revenue will grow by 10.85% on average per year.
EPS Next Y13.34%
EPS Next 2Y15.46%
EPS Next 3Y13.88%
EPS Next 5YN/A
Revenue Next Year10.46%
Revenue Next 2Y7.98%
Revenue Next 3Y10.85%
Revenue Next 5YN/A
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PRCH's earnings are expected to grow with 13.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.46%
EPS Next 3Y13.88%
5. Dividend
5.1 Amount
PRCH does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PORCH GROUP INC
NASDAQ:PRCH (11/22/2024, 8:00:00 PM)
After market: 3.5199 +0.07 (+2.03%)3.45
-0.11 (-3.09%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap412.41M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.59% | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 44.87% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.52
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)49.33%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y13.34%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.01%
Revenue growth 3Y81.22%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y