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Porch Group, Inc.

PRCH

$15.83 ▲ +0.40 (+2.59%) at close

8 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bullish

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Analytical Summary

Porch Group, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.6B

Dividend Yield —

Revenue Growth 10.2% ↗

Op. Margin 7.6% ↗

ROIC 5.7% ↗

FCF / Share $0.64 ↗

Trailing P/E —

Price / Book —

FCF Yield 4.0%

Debt / Equity -15.96

info Valuation on last close. End-of-day price, Aug 7, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$482.41M

↑ +10.2% —

Net Income Profit after all expenses

$-3.36M

↑ +89.8% —

Operating Margin Operating profit as % of sales

7.6%

↑ +151.4% 50th

FCF / Share Free cash flow per share

$0.64

↑ +296.7% —

Long-Term Debt Long-term obligations

$392.83M

↓ -2.7% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns

Financial Health

Cash Quality

Financial view

Statement lens

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	10.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	1.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	55.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+366%)	43.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+262%)	166.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1285%)	-6.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	—	—
EPS Growth YoY (%)	90.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	76.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.7% Fair → Fair Stable Year-over-year change in earnings per share Optimal: > 10%	-41.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	41.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	40.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	89.8% Excellent ↑ Excellent Improving Year-over-year change in net income	75.5% Excellent ↑ Excellent Improving Year-over-year change in net income	14.5% Fair ↑ Fair Improving Year-over-year change in net income	-46.9% Weak ↓ Weak Declining Year-over-year change in net income	-97.3% Weak Weak Year-over-year change in net income	47.7% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	N/M	N/M	N/M	45.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	71.7% Excellent Excellent Year-over-year change in free cash flow	-40.8% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	20.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	31.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	81.2% Excellent Excellent Compound annual revenue growth over 3 years	52.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	46.2% Excellent Excellent Compound annual revenue growth over 5 years	41.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	7.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	-14.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-174%)	-44.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-321%)	-64.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-421%)	-43.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-317%)	-58.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-392%)	-113.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-668%)	—
Effective Tax Rate (%) (%)	42.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-6.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-0.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	-7.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-150%)	-31.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-308%)	-56.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-478%)	-55.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-469%)	-74.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-598%)	-133.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-988%)	—
FCF Margin (%) (%)	13.7% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-7.4% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	7.7% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-7.3% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-18.6% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-67.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-38.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	-19.63x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.98x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	-0.25x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.13x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.34x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.91x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	0.29x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	5.7% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	-19.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-47.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-34.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-12.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-26.4% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	838.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	4.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-7.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-21.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-16.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-8.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-15.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	-181.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	13.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	75.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+311%)	—	-197.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1166%)	-49.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-365%)	-50.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-372%)	172.3% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+831%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	-15.96x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-3646%)	-9.35x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-2177%)	-12.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-2814%)	5.57x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1137%)	1.91x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+325%)	0.45x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	-0.82x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-283%)	—
Interest Coverage (x)	0.70x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-1.50x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-15.59x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-20.30x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-14.48x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-2.87x Weak Weak Operating income divided by interest expense Optimal: > 5x	-12.35x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$348.16M	$236.29M	$177.32M	$226.71M	$98.99M	$-148.06M	$45.28M	—
Debt / EBITDA (x)	6.44x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-10.34x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-2.63x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-2.96x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-6.19x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.35x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.61x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$4.65	$4.40	$4.48	$2.83	$2.05	$1.99	$2.49	—
Basic EPS, GAAP (USD)	$-0.03	$-0.33	$-1.39	$-1.61	$-1.14	$-1.96	$-3.31	—
Free Cash Flow per Share (USD)	$0.64	$-0.32	$0.34	$-0.21	$-0.38	$-1.35	$-0.96	—
Book Value per Share (USD)	$-0.20	$-0.36	$-0.37	$0.81	$2.22	$1.31	$-1.75	—
Tangible Book Value per Share (USD)	$-1.99	$-2.54	$-3.24	$-2.78	$-1.41	$0.77	$-2.58	—
Basic Weighted Avg Shares (shares)	103.69M	99.58M	96.06M	97.35M	93.88M	36.34M	31.17M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$20.43M	$-49.03M	$18.93M	$95.00M	$241.94M	$184.07M	$-47.29M	—
LT Debt (USD)	$392.83M	$403.94M	$435.74M	$441.76M	$414.74M	$47.98M	$49.46M	—
Total Equity (USD)	$-24.62M	$-43.23M	$-35.68M	$79.35M	$217.04M	$107.33M	$-59.98M	$-149.84M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$482.41M	$437.85M	$430.30M	$275.95M	$192.43M	$72.30M	$77.59M	—
Depreciation Expense (USD)	$24.47M	$25.52M	$24.41M	$27.93M	$16.39M	$6.64M	$7.38M	—
Net Income, GAAP (USD)	$-3.36M	$-32.83M	$-133.93M	$-156.56M	$-106.61M	$-54.03M	$-103.32M	—
Operating Cash Flow (USD)	$66.42M	$-31.68M	$33.93M	$-17.74M	$-34.78M	$-48.67M	$-29.34M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 29 quarters

Porch Group, Inc.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

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