Porch Group, Inc. PRCH R2K
Porch Group, Inc. develops and sells software and data solutions, manages insurance services, and provides consumer services related to homeownership in the United States. It operates through four segments: Insurance Services, Software & Data, Consumer Services, and the Reciprocal Segment. The Insurance Services segment manages and operates Porch Reciprocal Exchange, providing services including underwriting, policy renewal, risk management, portfolio management, financial oversight, and investment guideline setting. The Software & Data segment offers subscription and transactional software for inspection, mortgage, title, and roofing companies, as well as data products for insurance and other companies, including home inspection software, title and mortgage software, home factors property insights, and mover marketing products; measurement software for roofers; and move and post-move services. The Consumer Services segment provides warranty products under Porch Warranty and other brands, and moving-related services such as moving labor, TV/Internet, and security setup. The Reciprocal Segment, managed but not owned by Porch, includes Homeowners of America and Porch Reciprocal Exchange, which provides consumers with insurance to protect their homes, through premiums collected on policies. The company was founded in 2011 and is headquartered in Seattle, Washington.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Compounding revenue at 22.7% over 5 years.
- Profit CAGR of 32.6% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 45.3% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PRCH Porch Group, Inc. R2K | 10.42 | - | $1.14B | - | 14.68% | - | 22.70% | 32.62% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | 15.07M | 17.12M | 21.51M | 26.74M | 51.34M | 62.77M | 63.57M | 70.92M | 77.35M | 64.11M | 87.37M | 98.77M | - | 84.42M | 75.86M | - | - | 104.75M | 119.30M | 118.08M | 167.59M | 121.12M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 11.06M | 39.30M | 43.42M | 31.14M | - | 30.27M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 37.08M | 16.80M | - | 89.30M | 65.45M | 75.87M | 86.95M | - | 90.85M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 64.22M | 66.71M | 70.82M | 70.61M | - | 79.03M |
| Operating Income | - | -13.39M | -4.98M | -3.85M | -29.63M | -22.94M | -12.61M | -28.66M | -31.68M | -82.92M | -33.80M | -38.53M | -159.41M | 199.00K | -34.67M | -52.48M | - | 25.08M | -1.27M | 5.05M | 16.34M | - | 11.81M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 21.87M | 24.64M | 23.18M | 11.03M | 23.43M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 11.25M | 12.06M | 13.96M | -7.75M | 14.61M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.64M | 7.16M | 3.34M | 11.60M | 3.74M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 903.00K | -1.09M | 4.32M | 7.28M | 1.80M |
| Net Income | -8.00K | -18.37M | -6.26M | -8.92M | -65.10M | -16.30M | -5.10M | -9.29M | -27.32M | -84.48M | -35.47M | -38.74M | -86.96M | -5.74M | -13.36M | -64.32M | - | - | 8.39M | 2.58M | -10.86M | -3.48M | -4.71M |
| Diluted EPS | - | -0.53 | -0.18 | -0.25 | -0.76 | -0.17 | -0.08 | -0.10 | -0.28 | -0.86 | -0.36 | -0.41 | -0.91 | -0.06 | -0.14 | -0.65 | - | - | 0.08 | 0.00 | -0.10 | -0.03 | -0.04 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 77.59M | 72.30M | - | 275.95M | 433.88M | 458.11M | 509.71M |
| Cost of Revenue | - | - | 58.73M | 107.58M | 220.24M | 225.63M | - |
| Gross Profit | - | - | 133.71M | 168.37M | 210.06M | 212.22M | - |
| Operating Expenses | - | - | 217.07M | 284.03M | 343.18M | 276.79M | - |
| Operating Income | -88.12M | -42.23M | -83.36M | -115.66M | -133.12M | -64.57M | - |
| EBITDA | - | - | - | -119.06M | -89.19M | 18.27M | 80.72M |
| Interest Expense | - | - | - | 8.72M | 19.71M | 23.45M | 29.51M |
| Pretax Income | - | - | - | -155.72M | -133.31M | -30.71M | 26.73M |
| Tax Provision | - | - | - | 842.00K | 622.00K | 2.12M | 11.42M |
| Net Income | -103.32M | -54.03M | - | -156.56M | -133.93M | -32.83M | -3.36M |
| Diluted EPS | -3.31 | -2.03 | - | -1.61 | -1.39 | -0.32 | -0.03 |
Compounded Sales Growth
| 5 Years: | 22.70% |
| 1 Year: | 15.60% |
Compounded Profit Growth
| 5 Years: | 32.62% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +14.25% |
| 6 Months: | +6.22% |
| 3 Months: | +26.92% |
| 1 Month: | +2.86% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 48.47M | 268.39M | - | 1.05B | 1.14B | 1.09B | 1.05B | 899.39M | 813.97M | 797.42M |
| Current Assets | - | - | - | 605.06M | - | - | - | 609.63M | 481.08M | 365.13M | - |
| Cash & Equivalents | - | 4.18M | 196.05M | - | 292.37M | 271.00M | 260.20M | 215.06M | 258.42M | 167.64M | 160.61M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | 25.44M | 24.29M | 111.41M | 58.01M |
| Total Liabilities | - | 108.45M | 161.06M | - | 842.84M | 941.42M | 976.63M | 969.70M | 935.08M | 857.19M | 775.04M |
| Current Liabilities | - | 57.46M | 31.73M | 363.12M | 402.35M | 489.38M | 522.84M | 515.64M | 462.15M | 414.16M | - |
| Long Term Debt | - | 40.66M | 43.24M | - | 415.00M | 416.57M | 425.01M | 425.31M | 435.50M | 403.79M | 385.06M |
| Total Debt | - | - | - | - | - | - | - | 441.76M | 435.74M | 403.94M | 392.83M |
| Total Equity | -149.84M | -59.98M | 107.33M | - | 211.39M | 194.54M | 112.60M | 79.35M | -35.68M | -43.23M | -24.62M |
| Shares Outstanding | - | - | - | - | - | - | - | 98.46M | 97.06M | 119.77M | 124.12M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -29.34M | -48.67M | - | -17.74M | 33.93M | -31.68M | 66.42M |
| Investing Cash Flow | -5.21M | -10.67M | - | -79.68M | -56.25M | -45.06M | -71.92M |
| Financing Cash Flow | 34.49M | 259.61M | - | 1.23M | 90.95M | -23.71M | -22.17M |
| Capital Expenditure | -478.00K | -279.00K | - | -10.45M | -10.10M | -12.79M | -14.36M |
| Free Cash Flow | -29.81M | -48.95M | - | -28.19M | 23.83M | -44.48M | 52.06M |
| Net Change in Cash | - | - | - | -96.19M | 68.63M | -100.45M | -27.67M |
| Share Buybacks | - | 42.00K | 0 | 1.81M | 5.61M | 0 | 0 |
| Dividends Paid | - | 30.00M | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | 61.0% | 48.4% | 46.3% | - |
| Operating Margin % | -113.6% | -58.4% | - | -41.9% | -30.7% | -14.1% | - |
| Net Margin % | -133.2% | -74.7% | - | -56.7% | -30.9% | -7.2% | -0.7% |
| ROE % | 172.3% | -50.3% | - | -197.3% | 375.3% | 75.9% | 13.7% |
| ROCE % | 979.8% | -17.8% | - | -21.7% | -30.4% | -16.2% | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Granahan Investment Management LLC | 9.92% | 12.67M | $132.07M |
| 2 | Blackrock Inc. | 6.21% | 7.94M | $82.69M |
| 3 | Park West Asset Management LLC | 3.99% | 5.10M | $53.11M |
| 4 | Shaw D.E. & Co., Inc. | 3.42% | 4.36M | $45.45M |
| 5 | Vanguard Capital Management LLC | 3.40% | 4.35M | $45.29M |
| 6 | Gilder Gagnon Howe & Co LLC | 3.27% | 4.17M | $43.50M |
| 7 | GC Wealth Management RIA, LLC | 3.19% | 4.08M | $42.48M |
| 8 | Goldman Sachs Group Inc | 2.65% | 3.38M | $35.26M |
| 9 | Jefferies Financial Group Inc. | 1.89% | 2.41M | $25.14M |
| 10 | State Street Corporation | 1.81% | 2.31M | $24.06M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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