PRCH Chart
About

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.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Insurance - Property & C Market Cap 775.53M
Enterprise Value 1.04B Income -3.36M Sales 482.41M
Book/sh -0.23 Cash/sh 1.70 Dividend Yield —
Payout 0.00% Employees 799 IPO —
P/E — Forward P/E -9.81 PEG —
P/S 1.61 P/B -31.59 P/C —
EV/EBITDA 17.09 EV/Sales 2.16 Quick Ratio 1.94
Current Ratio 2.49 Debt/Eq 1763.22 LT Debt/Eq —
EPS (ttm) -0.03 EPS next Y -0.75 EPS Growth —
Revenue Growth 39.80% Earnings 2026-05-05 ROA 2.83%
ROE — ROIC — Gross Margin 70.48%
Oper. Margin 11.72% Profit Margin -0.70% Shs Outstand 105.37M
Shs Float 85.75M Short Float 22.07% Short Ratio 9.82
Short Interest — 52W High 19.44 52W Low 3.72
Beta 3.04 Avg Volume 1.63M Volume 1.92M
Target Price $16.38 Recom Strong_buy Prev Close $7.53
Price $7.36 Change -2.26%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$16.38
Mean price target
2. Current target
$7.36
Latest analyst target
3. DCF / Fair value
$-33.37
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$7.36
Low
$12.00
High
$21.00
Mean
$16.38

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-12 main Keefe, Bruyette & Woods Outperform → Outperform $12
2026-02-11 up Keefe, Bruyette & Woods Market Perform → Outperform $11
2025-09-22 reit Oppenheimer Outperform → Outperform $25
2025-09-10 main Benchmark Buy → Buy $21
2025-09-02 init Goldman Sachs — → Buy $21
2025-08-13 main Keefe, Bruyette & Woods Market Perform → Market Perform $16
2025-08-06 main Oppenheimer Outperform → Outperform $17
2025-07-30 main Benchmark Buy → Buy $17
2025-07-02 main Oppenheimer Outperform → Outperform $14
2025-07-01 init B. Riley Securities — → Buy $15
2025-05-14 main Loop Capital Buy → Buy $13
2025-05-07 main Keefe, Bruyette & Woods Market Perform → Market Perform $7
2025-05-07 main Benchmark Buy → Buy $12
2025-05-07 main Oppenheimer Outperform → Outperform $9
2025-03-21 main Stephens & Co. Overweight → Overweight $10
2025-03-03 main Keefe, Bruyette & Woods Market Perform → Market Perform $6
2025-02-26 main Oppenheimer Outperform → Outperform $8
2025-02-26 main Benchmark Buy → Buy $10
2025-02-26 up Loop Capital Hold → Buy $6
2024-12-09 main Oppenheimer Outperform → Outperform $7
Insider Transactions
Date Shares Value Url Text Insider Position Transaction Start Date Ownership
0 35000 341750 — Sale at price 9.66 - 9.99 per share. TABAK SHAWN Chief Financial Officer — 2025-12-15 00:00:00 D
1 22216 211496 — Sale at price 9.52 per share. TABAK SHAWN Chief Financial Officer — 2025-12-04 00:00:00 D
2 15259 — — Stock Award(Grant) at price 0.00 per share. TABAK SHAWN Chief Financial Officer — 2025-12-01 00:00:00 D
3 50000 883325 — Sale at price 17.67 per share. REIERSON AMANDA L Director — 2025-09-12 00:00:00 D
4 21118 144496 — Conversion of Exercise of derivative security at price 2.07 - 13.23 per share. NEAGLE MATTHEW Chief Operating Officer — 2025-09-10 00:00:00 D
5 55000 1027966 — Sale at price 18.69 per share. NEAGLE MATTHEW Chief Operating Officer — 2025-09-09 00:00:00 D
6 40000 728132 — Sale at price 18.20 per share. VENGALIL REGI M Director — 2025-09-05 00:00:00 D
7 25000 380328 — Sale at price 15.21 per share. LAM RACHEL Director — 2025-08-06 00:00:00 D
8 41887 — — Stock Award(Grant) at price 0.00 per share. TABAK SHAWN Chief Financial Officer — 2025-06-25 00:00:00 D
9 291112 — — Stock Award(Grant) at price 0.00 per share. EHRLICHMAN MATT Chief Executive Officer — 2025-06-25 00:00:00 D
Financials
Line Item2024-12-312023-12-312022-12-312021-12-31
TaxEffectOfUnusualItems15.33M5.83M-6.70M-2.46M
TaxRateForCalcs0.210.210.210.09
NormalizedEBITDA-35.64M-104.81M-87.16M-66.81M
TotalUnusualItems72.98M27.75M-31.90M-27.92M
TotalUnusualItemsExcludingGoodwill72.98M27.75M-31.90M-27.92M
NetIncomeFromContinuingOperationNetMinorityInterest-32.83M-133.93M-156.56M-106.61M
ReconciledDepreciation25.52M24.41M27.93M16.39M
ReconciledCostOfRevenue225.63M220.24M107.58M58.73M
EBITDA37.35M-77.07M-119.06M-94.74M
EBIT11.82M-101.48M-146.99M-111.12M
NetInterestIncome-40.79M-27.93M-8.01M-5.72M
InterestExpense42.54M31.83M8.72M5.76M
InterestIncome1.75M3.90M717.00K33.00K
NormalizedIncome-90.49M-155.85M-131.35M-81.14M
NetIncomeFromContinuingAndDiscontinuedOperation-32.83M-133.93M-156.56M-106.61M
TotalExpenses502.42M563.42M391.61M275.80M
TotalOperatingIncomeAsReported-64.57M-190.35M-177.05M-83.36M
DilutedAverageShares101.46M96.06M97.35M93.88M
BasicAverageShares101.46M96.06M97.35M93.88M
DilutedEPS-0.32-1.39-1.61-1.16
BasicEPS-0.32-1.39-1.61-1.16
DilutedNIAvailtoComStockholders-32.83M-133.93M-156.56M-106.61M
AverageDilutionEarnings0.000.00
NetIncomeCommonStockholders-32.83M-133.93M-156.56M-106.61M
OtherunderPreferredStockDividend0.000.00
NetIncome-32.83M-133.93M-156.56M-106.61M
NetIncomeIncludingNoncontrollingInterests-32.83M-133.93M-156.56M-106.61M
NetIncomeContinuousOperations-32.83M-133.93M-156.56M-106.61M
TaxProvision2.12M622.00K842.00K-10.27M
PretaxIncome-30.71M-133.31M-155.72M-116.88M
OtherIncomeExpense74.65M27.74M-32.05M-27.79M
OtherNonOperatingIncomeExpenses1.66M-2.00K-146.00K132.00K
SpecialIncomeCharges52.73M24.17M-47.56M-13.23M
GainOnSaleOfBusiness-5.33M0.000.000.00
OtherSpecialCharges-43.13M-81.35M-5.29M
ImpairmentOfCapitalAssets0.0057.23M61.39M0.00
RestructuringAndMergernAcquisition-14.93M-44.00K-13.82M18.52M
GainOnSaleOfSecurity20.26M3.58M15.66M-14.69M
NetNonOperatingInterestIncomeExpense-40.79M-27.93M-8.01M-5.72M
InterestExpenseNonOperating42.54M31.83M8.72M5.76M
InterestIncomeNonOperating1.75M3.90M717.00K33.00K
OperatingIncome-64.57M-133.12M-115.66M-83.36M
OperatingExpense276.79M343.18M284.03M217.07M
ProvisionForDoubtfulAccounts239.00K37.18M805.00K1.05M
ResearchAndDevelopment55.27M58.50M59.56M47.01M
SellingGeneralAndAdministration221.28M247.50M223.66M169.01M
SellingAndMarketingExpense122.87M144.31M113.85M84.27M
GeneralAndAdministrativeExpense98.41M103.19M109.81M84.74M
OtherGandA98.41M103.19M109.81M84.74M
GrossProfit212.22M210.06M168.37M133.71M
CostOfRevenue225.63M220.24M107.58M58.73M
TotalRevenue437.85M430.30M275.95M192.43M
OperatingRevenue437.85M430.30M275.95M192.43M
Line Item2024-12-312023-12-31
TreasurySharesNumber18.31M0.00
OrdinarySharesNumber101.46M97.06M98.46M97.96M
ShareIssued119.77M97.06M98.46M97.96M
NetDebt236.29M177.32M226.71M98.99M
TotalDebt403.94M435.74M441.76M417.43M
TangibleBookValue-303.88M-314.81M-273.60M-138.44M
InvestedCapital360.71M400.06M521.12M631.78M
WorkingCapital-49.03M18.93M94.00M241.94M
NetTangibleAssets-303.88M-314.81M-273.60M-138.44M
CapitalLeaseObligations2.54M2.69M
CommonStockEquity-43.23M-35.68M79.35M217.04M
TotalCapitalization360.56M399.81M504.66M631.63M
TotalEquityGrossMinorityInterest-43.23M-35.68M79.35M217.04M
StockholdersEquity-43.23M-35.68M79.35M217.04M
GainsLossesNotAffectingRetainedEarnings-5.45M-3.86M-6.17M-259.00K
OtherEquityAdjustments-5.45M-3.86M-6.17M-259.00K
RetainedEarnings-754.86M-722.06M-585.02M-424.11M
AdditionalPaidInCapital717.07M690.22M670.54M641.41M
CapitalStock10.00K10.00K10.00K10.00K
CommonStock10.00K10.00K10.00K10.00K
TotalLiabilitiesNetMinorityInterest857.19M935.08M969.70M821.70M
TotalNonCurrentLiabilitiesNetMinorityInterest443.04M472.92M454.06M458.58M
OtherNonCurrentLiabilities39.25M37.43M28.75M26.11M
DerivativeProductLiabilities707.00K15.19M
NonCurrentDeferredLiabilities0.00
NonCurrentDeferredRevenue0.00
LongTermDebtAndCapitalLeaseObligation403.79M435.50M425.31M417.28M
LongTermCapitalLeaseObligation2.54M2.69M
LongTermDebt403.79M435.50M425.31M414.58M
CurrentLiabilities414.16M462.15M515.64M363.12M
OtherCurrentLiabilities5.28M9.82M1.85M40.02M
CurrentDeferredLiabilities270.16M272.64M299.50M216.36M
CurrentDeferredRevenue261.30M266.66M290.83M216.36M
CurrentDebtAndCapitalLeaseObligation150.00K244.00K16.45M150.00K
CurrentDebt150.00K244.00K16.45M150.00K
CurrentProvisions67.78M95.50M100.63M61.95M
PayablesAndAccruedExpenses70.77M83.95M97.20M44.64M
CurrentAccruedExpenses41.24M59.40M39.74M37.67M
Payables29.53M24.55M57.46M6.96M
OtherPayable24.99M15.79M51.19M
AccountsPayable4.54M8.76M6.27M6.96M
TotalAssets813.97M899.39M1.05B1.04B
TotalNonCurrentAssets448.84M418.31M438.42M433.68M
OtherNonCurrentAssets6.99M18.74M5.85M1.18M
NonCurrentAccountsReceivable13.43M12.27M7.52M
InvestmentsAndAdvances158.65M103.59M55.12M58.32M
GoodwillAndOtherIntangibleAssets260.65M279.12M352.95M355.48M
OtherIntangibleAssets68.75M87.22M108.25M129.72M
Goodwill191.91M191.91M244.70M225.76M
NetPPE22.54M16.86M12.24M11.17M
AccumulatedDepreciation-23.00M-18.75M-16.51M-17.92M
GrossPPE45.55M35.62M28.75M29.09M
Leases928.00K1.18M1.18M2.19M
OtherProperties4.20M4.50M
MachineryFurnitureEquipment44.62M34.44M27.57M22.39M
Properties0.000.000.000.00
CurrentAssets365.13M481.08M609.63M605.06M
OtherCurrentAssets15.29M13.21M11.29M14.34M
CurrentDeferredAssets17.54M27.17M8.72M
RestrictedCash29.14M38.81M13.54M8.55M
PrepaidAssets14.34M
Receivables111.41M107.87M324.50M257.18M
OtherReceivables92.30M83.58M299.06M228.42M
AccountsReceivable19.11M24.29M25.44M28.77M
AllowanceForDoubtfulAccountsReceivable-1.70M-600.00K-500.00K-400.00K
GrossAccountsReceivable20.81M24.89M25.94M29.17M
CashCashEquivalentsAndShortTermInvestments191.74M294.01M251.58M324.99M
OtherShortTermInvestments24.10M35.59M36.52M9.25M
CashAndCashEquivalents167.64M258.42M215.06M315.74M
Line Item2024-12-312023-12-312022-12-312021-12-31
FreeCashFlow-44.48M23.83M-28.19M-39.47M
RepurchaseOfCapitalStock0.00-5.61M-1.81M0.00
RepaymentOfDebt-23.37M-10.15M-5.15M-46.97M
IssuanceOfDebt0.00116.67M15.00M413.54M
IssuanceOfCapitalStock0.000.00
CapitalExpenditure-12.79M-10.10M-10.45M-4.69M
InterestPaidSupplementalData23.76M12.21M3.51M2.66M
IncomeTaxPaidSupplementalData621.00K674.00K0.00
EndCashPosition196.78M297.23M228.60M324.79M
BeginningCashPosition297.23M228.60M324.79M207.45M
ChangesInCash-100.45M68.63M-96.19M117.34M
FinancingCashFlow-23.71M90.95M1.23M415.55M
CashFlowFromContinuingFinancingActivities-23.71M90.95M1.23M415.55M
NetOtherFinancingCharges-339.00K-9.96M-6.81M-77.76M
ProceedsFromStockOptionExercised0.001.12M126.74M
CashDividendsPaid0.000.00
CommonStockDividendPaid0.000.00
NetPreferredStockIssuance0.000.00
PreferredStockIssuance0.000.00
NetCommonStockIssuance0.00-5.61M-1.81M0.00
CommonStockPayments0.00-5.61M-1.81M0.00
NetIssuancePaymentsOfDebt-23.37M106.52M9.85M366.57M
NetShortTermDebtIssuance0.000.005.00M0.00
ShortTermDebtIssuance0.000.005.00M0.00
NetLongTermDebtIssuance-23.37M106.52M4.85M366.57M
LongTermDebtPayments-23.37M-10.15M-5.15M-46.97M
LongTermDebtIssuance0.00116.67M10.00M413.54M
InvestingCashFlow-45.06M-56.25M-79.68M-263.43M
CashFlowFromContinuingInvestingActivities-45.06M-56.25M-79.68M-263.43M
NetInvestmentPurchaseAndSale-43.14M-44.18M-30.60M-2.31M
SaleOfInvestment67.79M46.83M21.91M21.69M
PurchaseOfInvestment-110.92M-91.02M-52.51M-24.01M
NetBusinessPurchaseAndSale10.87M-1.97M-38.63M-256.43M
SaleOfBusiness10.87M0.000.00
PurchaseOfBusiness0.00-1.97M-38.63M-256.43M
NetPPEPurchaseAndSale-523.00K-851.00K-2.35M-972.00K
PurchaseOfPPE-523.00K-851.00K-2.35M-972.00K
CapitalExpenditureReported-12.27M-9.24M-8.10M-3.72M
OperatingCashFlow-31.68M33.93M-17.74M-34.78M
CashFlowFromContinuingOperatingActivities-31.68M33.93M-17.74M-34.78M
ChangeInWorkingCapital-28.00M88.87M37.16M-16.04M
ChangeInOtherWorkingCapital-13.12M-62.58M98.22M19.82M
ChangeInOtherCurrentLiabilities7.55M-30.12M21.69M14.40M
ChangeInPayablesAndAccruedExpense-14.89M1.10M-7.22M-27.76M
ChangeInAccruedExpense-10.66M-1.39M-6.52M-15.98M
ChangeInPayable-4.22M2.49M-697.00K-11.78M
ChangeInAccountPayable-4.22M2.49M-697.00K-11.78M
ChangeInPrepaidAssets-5.15M-5.32M
ChangeInReceivables-7.55M180.47M-75.53M-22.50M
ChangesInAccountReceivables-155.00K1.03M-4.89M-2.90M
OtherNonCashItems4.87M16.15M12.80M21.55M
StockBasedCompensation27.18M20.71M27.04M38.59M
ProvisionandWriteOffofAssets239.00K37.18M805.00K1.05M
AssetImpairmentCharge0.0057.23M61.39M0.00
AmortizationOfSecurities278.00K369.00K
DeferredTax-287.00K0.00
DeferredIncomeTax-287.00K0.00
DepreciationAmortizationDepletion25.52M24.41M27.93M16.39M
DepreciationAndAmortization25.52M24.41M27.93M16.39M
Depreciation25.52M24.41M27.93M16.39M
OperatingGainsLosses-28.66M-76.69M-28.31M10.28M
GainLossOnInvestmentSecurities-6.56M4.66M-28.31M15.39M
GainLossOnSaleOfPPE745.00K595.00K
GainLossOnSaleOfBusiness5.33M0.000.000.00
NetIncomeFromContinuingOperations-32.83M-133.93M-156.56M-106.61M
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Public Trades for PRCH
Date User Asset Broker Type Position Size Entry Price Patterns