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Porch Group, Inc. (PRCH) stock analysis

PRCHNasdaqAccident & Health InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 28, 2026Score 7/30
$22.14+0.19 (+0.87%)

Close on Nov 11, 2026Market cap $2.94BP/E 442.8Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth3Performance2Health2Dividend0

Weak7 of 30 checks passed

Porch passes 7 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
3/6
Past performance
2/6
Financial health
2/6
Dividend
0/6

What stands out

  • Revenue growing 10%+ a year

    Revenue grew 20.5% a year over the last three fiscal years.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 28.5% of total debt.

  • Guidance raised

    Porch raised its Full-Year 2026 Revenue (Excluding Reciprocal) outlook on Jul 29, 2026.

  • Growing faster than the industry

    Revenue grew 15.6% over the last twelve months; the Accident and Health Insurance and Medical median is 6.8%.

What to watch

  • High debt

    Debt is 5360% of shareholders' equity, above the 40% we consider low.

  • Interest not well covered

    Operating income covers interest expense 0.7 times; we look for at least 5.

  • P/E above the industry

    Porch's P/E of 442.8 is above the Accident and Health Insurance and Medical median of 21.3.

  • P/S above the industry

    Porch's price-to-sales of 5.54 is above the Accident and Health Insurance and Medical median of 0.80.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E above the industry

    Porch's P/E of 442.8 is above the Accident and Health Insurance and Medical median of 21.3.

  • P/S above the industry

    Porch's price-to-sales of 5.54 is above the Accident and Health Insurance and Medical median of 0.80.

  • P/B above the industry

    Porch's price-to-book of 389.38 is above the Accident and Health Insurance and Medical median of 2.31.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth3/6

  • Revenue growing 10%+ a year

    Revenue grew 20.5% a year over the last three fiscal years.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 15.6% over the last twelve months; the Accident and Health Insurance and Medical median is 6.8%.

  • Guidance raised

    Porch raised its Full-Year 2026 Revenue (Excluding Reciprocal) outlook on Jul 29, 2026.

  • Gross margin slipping

    Gross margin was 72.1% over the last twelve months, against 72.1% a year earlier.

Past performance2/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets over 1%

    Return on assets was 1.2%; for a bank or insurer, 1% or more is considered good.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin above its 5-year average

    Net margin was 1.8% over the last twelve months, against a 5-year average of -30.3%.

  • Net margin below the industry

    Porch's net margin of 1.8% is below the Accident and Health Insurance and Medical median of 2.0%.

Financial health2/6

  • High debt

    Debt is 5360% of shareholders' equity, above the 40% we consider low.

  • Debt rising against equity

    Debt to equity rose from 44.7% five years ago to 5360%.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 28.5% of total debt.

  • Interest not well covered

    Operating income covers interest expense 0.7 times; we look for at least 5.

  • Short-term assets cover short-term debts

    Current assets are 1.46 times current liabilities.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Porch has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Porch. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • EV/EBITDA at month end
  • Accident and Health Insurance and Medical median 15.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$38.41M
Value traded per 1% price move
$12.90M

Downside

Medium risk

Typical loss in a bad month
22.2%
Volatility (annualized)
70%
Sharpe ratio, 1 year
1.52
Beta to the S&P 500 (5Y)
2.19

Typical bad-month loss, week by week

25%: high

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

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