PRCHNasdaqAccident & Health InsuranceFiscal year ends December 31
Porch Group, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 29, 2026
$17.65+0.15 (+0.86%)
Close on Oct 19, 2026
- Market cap
- $2.13B
- P/E (TTM)
- –
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2018 to 2025
Gross margin
70.5%−5.2 pts over 5 years
Operating margin
7.6%+66.0 pts over 5 years
Net margin
-0.7%+74.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.2% | +20.5% | +46.2% | – | |
| Gross profit | +68.4% | +26.4% | +44.1% | – |
Returns and balance sheet
8 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2018 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | -228.2% | 9.9% | |
| Return on assets | – | -34.1% | -0.4% | |
| Current ratio | – | 6.80 | 1.30 | |
| Debt to equity | – | 0.45 | -15.96 | |
| Net debt to EBITDA | – | 4.48× | 3.67× | |
| Interest coverage | – | -2.9× | 0.7× | |
| Capex to revenue | – | 0.4% | 0.1% | |
| Diluted shares | – | 36M | 104M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Porch generated $184.54M from operations and spent $12.57M on capital expenditure, dividends and share buybacks. 41% of that went back into the business.
Generated
$184.54M
Used
$12.57M
Capital expenditure$5.15M41%Dividends$00%Share buybacks$7.42M59%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-0.7%
×Asset turnover0.60×
×Equity multiplier-23.75×
=Return on equity, FY20259.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -0.7% | 0.60× | -23.75× | 9.9% |
| FY2024 | -7.5% | 0.51× | -21.71× | 83.2% |
| FY2023 | -31.1% | 0.44× | 44.62× | -613.4% |
| FY2022 | -56.7% | 0.26× | 7.04× | -105.6% |
| FY2021 | -55.4% | 0.29× | 4.03× | -65.7% |
| FY2020 | -74.7% | 0.46× | 6.69× | -228.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
7of 9 tests passed in fiscal 2025. Scores of 7 to 9 are usually read as strong.
- ProfitableNet income above zero-$3.36M
- Cash generatingOperating cash flow above zero$66.42M
- Return on assets improvedROA up on the prior year-3.7% → -0.4%
- Earnings backed by cashOperating cash flow above net income$66.42M vs -$3.36M
- Less leverageLong-term debt to assets fell49.6% → 48.3%
- Better liquidityCurrent ratio rose0.88 → 1.30
- No dilutionShare count did not rise100M → 104M
- Gross margin improvedGross margin up on the prior year46.12% → 70.48%
- More efficientAsset turnover rose0.49 → 0.59