📊 PRCH Key Takeaways
Is Porch Group, Inc. (PRCH) a Good Investment?
Porch Group exhibits strong operational metrics with 15.2% revenue growth and exceptional 75% gross margins, but is fundamentally impaired by negative stockholders' equity of -$25.4M and interest coverage of 0.8x, indicating the company cannot service debt from operating income. Despite positive free cash flow, structural profitability and balance sheet insolvency present material financial distress.
Porch Group, Inc. Key Strengths (PRCH)
- Strong revenue growth of 15.2% YoY demonstrates market demand
- Excellent gross margin of 75% indicates strong pricing power and product-market fit
- Positive free cash flow of $12.8M provides liquidity despite operating losses
- Minimal capital intensity with only $176K capex enables cash preservation
- EPS improving +90.9% YoY suggests trajectory toward profitability
PRCH Stock Risks: Porch Group, Inc. Investment Risks
- Negative stockholders' equity of -$25.4M—company is technically insolvent with liabilities exceeding assets
- Interest coverage ratio of 0.8x—cannot cover debt service from operating income, indicating refinancing risk
- Net unprofitability of -$4.7M despite $90.8M gross profit indicates excessive operating expenses (~87% of gross profit consumed by SG&A)
- High debt burden of $399M with only $11.8M operating income creates unsustainable leverage
- Significant insider trading activity (29 Form 4 filings in 90 days) may signal management concerns
Key Metrics to Watch
- Path to operating profitability and net income return to positive
- Operating margin expansion—need to reduce SG&A as percentage of gross profit
- Debt refinancing capability and interest coverage ratio improvement above 1.0x
- Stockholders' equity recovery toward positive territory
Porch Group, Inc. (PRCH) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Porch Group, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
PRCH Profit Margin, ROE & Profitability Analysis
PRCH vs Technology Sector: How Porch Group, Inc. Compares
How Porch Group, Inc. compares to Technology sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Porch Group, Inc. Stock Overvalued? PRCH Valuation Analysis 2026
Based on fundamental analysis, Porch Group, Inc. has mixed fundamental signals relative to the Technology sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Porch Group, Inc. Balance Sheet: PRCH Debt, Cash & Liquidity
PRCH Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Porch Group, Inc.'s revenue has grown significantly by 118% over the 5-year period, indicating strong business expansion. The most recent EPS of $-1.39 indicates the company is currently unprofitable.
PRCH Revenue Growth, EPS Growth & YoY Performance
PRCH Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $84.5M | -$4.7M | $-0.04 |
| Q3 2025 | $77.7M | $117.0K | $0.00 |
| Q2 2025 | $75.9M | $2.6M | $0.00 |
| Q1 2025 | $84.4M | $8.4M | $0.07 |
| Q2 2023 | $70.9M | -$27.3M | $-0.28 |
| Q1 2023 | $63.6M | -$9.3M | $-0.10 |
| Q3 2022 | $62.8M | -$5.1M | $-0.08 |
| Q2 2022 | $51.3M | -$5.8M | $-0.17 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Porch Group, Inc. Dividends, Buybacks & Capital Allocation
PRCH SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Porch Group, Inc. (CIK: 0001784535)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 28, 2026 | 4 | xslF345X06/wk-form4_1780005828.xml | View → |
| May 21, 2026 | 4 | xslF345X06/wk-form4_1779400017.xml | View → |
| May 21, 2026 | 4 | xslF345X06/wk-form4_1779399778.xml | View → |
| May 21, 2026 | 4 | xslF345X06/wk-form4_1779399615.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779226794.xml | View → |
❓ Frequently Asked Questions about PRCH
What is the AI rating for PRCH?
Porch Group, Inc. (PRCH) has an AI grade of C with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PRCH's key strengths?
Claude: Strong revenue growth of 15.2% YoY demonstrates market demand. Excellent gross margin of 75% indicates strong pricing power and product-market fit.
What are the risks of investing in PRCH?
Claude: Negative stockholders' equity of -$25.4M—company is technically insolvent with liabilities exceeding assets. Interest coverage ratio of 0.8x—cannot cover debt service from operating income, indicating refinancing risk.
What is PRCH's revenue and growth?
Porch Group, Inc. reported revenue of $121.1M.
Does PRCH pay dividends?
Porch Group, Inc. pays dividends, with $30.0M distributed to shareholders in the trailing twelve months.
Where can I find PRCH SEC filings?
Official SEC filings for Porch Group, Inc. (CIK: 0001784535) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PRCH's EPS?
Porch Group, Inc. has a diluted EPS of $-0.04.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PRCH's fundamental grade?
Based on our AI fundamental analysis in May 2026, Porch Group, Inc. has a C grade with 78% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PRCH stock overvalued or undervalued?
Valuation metrics for PRCH: ROE of N/A (sector avg: 22%), net margin of -3.9% (sector avg: 18%). Compare these metrics with sector averages to assess valuation.
What is PRCH's AI grade for 2026?
Our dual AI analysis gives Porch Group, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PRCH's free cash flow?
Porch Group, Inc.'s operating cash flow is $13.0M, with capital expenditures of $176.0K. FCF margin is 10.6%.
How does PRCH compare to other Technology stocks?
Vs Technology sector averages: Net margin -3.9% (avg: 18%), ROE N/A (avg: 22%), current ratio 1.28 (avg: 2.5).