Porch Group
PRCH
17.31
+0.14
+0.82%
Porch Group
US · PRCH
#2801 by market cap
Listed 1970
17.31
+0.14
+0.82%
Live - 5344 symbols - heartbeat 453s ago
· 2026-10-07 19:54
After-hours
17.75
+2.53%
- Market cap
- 1.97B
- P/E (TTM)i
- -133.15
- P/Bi
- -166.44
- EPSi
- -0.03
- Div yieldi
- 0.00%
- 52W posi
- 91%
Reader sentiment
Are you bullish or bearish on PRCH?
Anonymous reader poll. Unscientific, not investment advice.
Revenue annual, last 7 years
Latest year +10.18% YoY
Margins
- Net margin
- -0.66%
Key ratios & quality
- Enterprise valuei
- 2.18B
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 77.60M | 72.30M | 192.43M | 275.95M | 430.30M | 437.85M | 482.41M |
| Gross profit | 56.10M | 54.74M | 133.71M | 168.37M | -- | -- | -- |
| Selling & admin expenses | 108.23M | 69.86M | 169.01M | 223.66M | 245.38M | 218.12M | 244.78M |
| Research & development | 30.99M | 28.55M | 47.01M | 59.57M | -- | -- | -- |
| Operating profit | -83.13M | -43.67M | -83.37M | -115.66M | -- | -- | -- |
| Pretax profit | -103.22M | -55.72M | -116.88M | -155.72M | -133.31M | -30.71M | 26.74M |
| Tax | 96.00K | -1.69M | -10.27M | 842.00K | 622.00K | 2.12M | 11.42M |
| Net profit | -103.32M | -54.03M | -106.61M | -156.56M | -133.93M | -32.83M | 15.32M |
| Basic EPS | -1 | -2 | -1 | -2 | -1 | 0 | 0 |
| Diluted EPS | -1.27 | -2.03 | -1.14 | -1.61 | -1.39 | -0.33 | -0.03 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 104.75M | 126.08M | 118.08M | 140.29M | 121.12M | 140.88M |
| Gross profit | 65.45M | 82.66M | 86.95M | -- | 90.85M | 87.58M |
| Selling & admin expenses | 53.51M | 64.53M | 57.23M | 76.28M | 66.00M | 77.02M |
| Research & development | 13.20M | 13.08M | 13.38M | -- | 13.03M | 14.68M |
| Operating profit | -1.27M | 5.05M | 16.34M | -- | 11.82M | -4.11M |
| Pretax profit | 4.64M | 7.16M | 3.34M | 11.60M | 3.74M | -13.57M |
| Tax | 903.00K | -1.09M | 4.32M | 7.28M | 1.81M | 585.00K |
| Net profit | 3.74M | 8.25M | -982.00K | 4.32M | 1.94M | -14.15M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.07 | 0.00 | -0.10 | -0.03 | -0.04 | 0.05 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Total current assets | 10.17M | 215.80M | 605.06M | 610.64M | -- | -- | -- |
| Cash & ST investments | 4.18M | 196.05M | 324.99M | 251.58M | 294.01M | 191.74M | 180.89M |
| Inventory | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 48.47M | 268.39M | 1.04B | 1.05B | 899.39M | 813.97M | 797.42M |
| Total current liabilities | 57.46M | 31.73M | 363.12M | 515.64M | -- | -- | -- |
| Short-term debt | 20.46M | 4.75M | 150.00K | 16.46M | -- | 150.00K | 7.77M |
| Long-term debt | 40.66M | 43.24M | 414.59M | 425.31M | -- | 403.79M | 385.06M |
| Total liabilities | 108,447,000.00 | 161,062,000.00 | 821,702,000.00 | 969,704,000.00 | 935,076,000.00 | 857,193,000.00 | 775,037,000.00 |
| Total equity | -59.98M | 107.33M | 217.05M | 79.35M | -35.68M | -43.23M | 22.39M |
| Retained earnings | -263.47M | -317.51M | -424.11M | -585.02M | -722.06M | -754.86M | -648.27M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 318.17M | 284.74M | 291.14M | -- | 270.06M | 278.22M |
| Cash & ST investments | 153.99M | 184.41M | 200.04M | 180.89M | 184.99M | 218.46M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 802.28M | 770.72M | 787.75M | 797.42M | 806.58M | 818.99M |
| Total current liabilities | 320.76M | 292.13M | 325.16M | -- | 328.70M | 328.73M |
| Short-term debt | -- | -- | 7.76M | 7.77M | 7.78M | 7.79M |
| Long-term debt | 409.16M | 394.13M | 379.37M | 385.06M | 391.26M | 397.49M |
| Total liabilities | 834,332,000.00 | 772,905,000.00 | 777,259,000.00 | 775,037,000.00 | 780,275,000.00 | 799,626,000.00 |
| Total equity | -32.05M | -2.19M | 10.49M | 22.39M | 26.31M | 19.37M |
| Retained earnings | -636.51M | -633.93M | -644.79M | -648.27M | -655.49M | -649.89M |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | -29.34M | -48.67M | -34.78M | -17.74M | 33.93M | -31.68M | 66.42M |
| Depreciation & amortization | 7.38M | 6.64M | 16.39M | 27.93M | -- | -- | -- |
| Free cash flow | -33.91M | -51.55M | -39.47M | -28.19M | 23.83M | -44.48M | 52.06M |
| Dividends paid | 0 | -30.00M | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | -42.00K | 0 | -1.81M | -5.61M | 0 | 0 |
| Ending cash balance | 7.18M | 207.45M | 324.79M | 228.61M | 297.23M | 196.78M | 169.11M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | -11.18M | 35.57M | 40.83M | 1.20M | 13.02M | 41.27M |
| Depreciation & amortization | 5.99M | 5.43M | 5.87M | -- | 5.08M | 10.53M |
| Free cash flow | -14.52M | 31.89M | 36.98M | -2.29M | 9.29M | 36.13M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | 0 | -- | -- | -2.51M | 0 |
| Ending cash balance | 166.01M | 187.89M | 192.80M | 169.11M | 179.36M | 195.60M |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| ROE %i | -- | -173.46 | -59.81 | -105.64 | -613.39 | -- | -- |
| ROA %i | -213.17 | -43.46 | -16.31 | -15.00 | -13.75 | -3.83 | -0.42 |
| ROIC %i | -- | -57.95 | -24.66 | -26.01 | -24.51 | -- | -- |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -123.83 | -52.67 | -57.75 | -53.27 | -23.58 | 2.70 | 11.04 |
| FCF / sales %i | -- | -- | -- | -- | 5.54 | -- | 10.21 |
| Current ratioi | 0.18 | 6.80 | 1.67 | 1.18 | -- | -- | -- |
| Quick ratioi | 0.15 | 6.31 | 1.60 | 1.12 | -- | -- | -- |
| Debt / assetsi | 126.10 | 17.88 | 40.19 | 42.11 | -- | 49.63 | 49.26 |
| LT debt / equityi | -- | 40.29 | 192.25 | 535.97 | -- | -- | -- |
| Interest coveragei | -13.47 | -2.62 | -19.30 | -16.85 | -3.19 | 0.28 | 1.91 |
| Revenue CAGR (3Y) %i | -- | -- | -- | 52.64 | 81.72 | 33.52 | 22.70 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -- | -- | -- | -- | -- | -- |
| ROA %i | -1.32 | 6.78 | 3.70 | -0.42 | -2.05 | -1.69 |
| ROIC %i | -- | -- | -- | -- | -- | -- |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 7.05 | 23.56 | 21.49 | 11.04 | 11.16 | 7.53 |
| FCF / sales %i | -- | -- | 5.39 | 10.21 | 14.42 | 14.81 |
| Current ratioi | 0.99 | 0.97 | 0.90 | -- | 0.82 | 0.85 |
| Quick ratioi | 0.83 | 0.85 | 0.79 | -- | 0.75 | 0.77 |
| Debt / assetsi | 51.00 | 51.14 | 49.14 | 49.26 | 49.47 | 49.49 |
| LT debt / equityi | -- | -- | -- | -- | -- | -- |
| Interest coveragei | 0.70 | 2.29 | 1.98 | 1.91 | 1.79 | 1.14 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- Insurance Services is the largest reported line at 65.96% of revenue, across 5 reported segments.
- Reciprocal Segment follows at 42.32%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
Insurance Services65.96%
Reciprocal Segment42.32%
Software & Data16.39%
Consumer Services12.87%
Quote time 2026-10-07 19:54:59 · For reference only, not investment advice and not tailored to your situation.