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 may be in some trouble as it scores bad on both profitability and health. 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
With a Return On Assets value of -7.59%, PRCH perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
| 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
Looking at the Gross Margin, with a value of 44.87%, PRCH is doing worse than 75.09% of the companies in the same industry.
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.
Compared to 1 year ago, PRCH has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.77, we must say that PRCH is in the distress zone and has some risk of bankruptcy.
PRCH has a worse Altman-Z score (-0.77) than 76.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.77 |
ROIC/WACCN/A
WACC10.62%
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 has a worse Current ratio (0.83) than 82.05% of its industry peers.
A Quick Ratio of 0.83 indicates that PRCH may have some problems paying its short term obligations.
The Quick ratio of PRCH (0.83) is worse than 81.69% 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
The Earnings Per Share is expected to grow by 12.83% on average over the next years. This is quite good.
PRCH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.29% yearly.
EPS Next Y50.13%
EPS Next 2Y18.38%
EPS Next 3Y12.83%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for PRCH. In the last year negative earnings were reported.
Also next year PRCH is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| 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
A more expensive valuation may be justified as PRCH's earnings are expected to grow with 12.83% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y18.38%
EPS Next 3Y12.83%
5. Dividend
5.1 Amount
No dividends for PRCH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PORCH GROUP INC
NASDAQ:PRCH (1/3/2025, 8:00:01 PM)
After market: 5.06 -0.26 (-4.89%)5.32
+0.37 (+7.47%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners49.28%
Inst Owner Change-5.93%
Ins Owners19.48%
Ins Owner Change-0.18%
Market Cap635.95M
Analysts81.54
Price Target6.34 (19.17%)
Short Float %9.64%
Short Ratio3.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)33.85%
PT rev (3m)61.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.2%
EPS NY rev (1m)35.87%
EPS NY rev (3m)42.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.88%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 1.41 | ||
| 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)-0.7
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 Rank | Sector 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 Rank | Sector 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 | -0.77 |
F-Score3
WACC10.62%
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 Y50.13%
EPS Next 2Y18.38%
EPS Next 3Y12.83%
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