Symbols / PRCH Stock $7.58 -1.43% Porch Group, Inc.

Financial Services • Insurance - Property & Casualty • United States • NCM
PRCH (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Matthew Ehrlichman
Exch · Country NCM · United States
Market Cap 815.50M
Enterprise Value 1.08B
Income -3.36M
Sales 482.41M
FCF (ttm) -195.32M
Book/sh -0.23
Cash/sh 1.70
Employees 799
Insider 10d —
IPO Jan 13, 2020
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E -10.11
PEG —
P/S 1.69
P/B -32.53
P/C —
EV/EBITDA 17.67
EV/Sales 2.23
Quick Ratio 1.94
Current Ratio 2.49
Debt/Eq 1,763.22
LT Debt/Eq —
EPS (ttm) -0.03
EPS next Y -0.75
EPS Growth —
Revenue Growth 39.80%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-04-28
Earnings (prior) 2026-02-11
ROA 2.83%
ROE —
ROIC —
Gross Margin 70.48%
Oper. Margin 11.72%
Profit Margin -0.70%
Shs Outstand 107.59M
Shs Float 79.53M
Insider Own 25.40%
Instit Own 72.42%
Short Float 26.93%
Short Ratio 16.98
Short Interest 18.19M
52W High 19.44
vs 52W High -61.00%
52W Low 5.30
vs 52W Low 43.02%
Beta 3.07
Impl. Vol. 1.27%
Rel Volume 0.34
Avg Volume 1.58M
Volume 538.53K
Target (mean) $16.29
Tgt Median $15.00
Tgt Low $12.00
Tgt High $21.00
# Analysts 7
Recom Strong_buy
Prev Close $7.69
Price $7.58
Change -1.43%
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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$16.29
Mean price target
2. Current target
$7.58
Latest analyst target
3. DCF / Fair value
$-32.68
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$7.58
Low
$12.00
High
$21.00
Mean
$16.29

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
News
RSS: Latest PRCH news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-21 EHRLICHMAN MATT Chief Executive Officer — 121,242 $8.12 $983,952
2026-04-21 NEAGLE MATTHEW Chief Operating Officer — 62,801 $8.12 $509,668
2026-04-21 TABAK SHAWN Chief Financial Officer — 7,730 $8.12 $62,734
2026-04-17 EHRLICHMAN MATT Chief Executive Officer — 113,862 $7.87 $896,344
2026-04-17 NEAGLE MATTHEW Chief Operating Officer — 58,978 $7.87 $464,287
2026-04-17 TABAK SHAWN Chief Financial Officer — 8,367 $7.87 $65,867
2026-04-14 EHRLICHMAN MATT Chief Executive Officer — 145,882 $6.84 $998,154
2026-04-14 NEAGLE MATTHEW Chief Operating Officer — 83,599 $6.84 $572,001
2026-04-14 TABAK SHAWN Chief Financial Officer — 17,697 $6.84 $121,086
2026-04-09 EHRLICHMAN MATT Chief Executive Officer — 121,293 $7.15 $867,439
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
509.71
+11.26%
458.11
+5.58%
433.88
+57.23%
275.95
Operating Revenue
509.71
+11.26%
458.11
+5.58%
433.88
+57.23%
275.95
Cost Of Revenue
—
225.63
+2.44%
220.24
+104.73%
107.58
Reconciled Cost Of Revenue
—
225.63
+2.44%
220.24
+104.73%
107.58
Gross Profit
—
212.22
+1.03%
210.06
+24.76%
168.37
Operating Expense
—
276.79
-19.35%
343.18
+20.82%
284.03
Research And Development
—
55.27
-5.52%
58.50
-1.78%
59.56
Selling General And Administration
244.78
+12.22%
218.12
-11.11%
245.38
+9.71%
223.66
Selling And Marketing Expense
139.58
+13.60%
122.87
-14.85%
144.30
+26.75%
113.85
General And Administrative Expense
105.20
+10.45%
95.25
-5.77%
101.08
-7.96%
109.81
Other Gand A
105.20
+10.45%
95.25
-5.77%
101.08
-7.96%
109.81
Other Operating Expenses
57.04
+22.10%
46.71
-47.30%
88.64
—
Total Expenses
482.97
-1.20%
488.82
-13.82%
567.19
+44.84%
391.61
Operating Income
—
-64.57
+51.49%
-133.12
-15.10%
-115.66
Total Operating Income As Reported
—
-64.57
+66.08%
-190.35
-7.52%
-177.05
EBITDA
80.72
+341.91%
18.27
+120.48%
-89.19
+25.09%
-119.06
Normalized EBITDA
80.32
+527.92%
-18.77
+83.44%
-113.35
-30.05%
-87.16
Reconciled Depreciation
24.47
-4.13%
25.52
+4.53%
24.41
-12.59%
27.93
EBIT
56.25
+875.07%
-7.26
+93.61%
-113.60
+22.72%
-146.99
Total Unusual Items
0.40
-98.93%
37.03
+53.25%
24.17
+175.75%
-31.90
Total Unusual Items Excluding Goodwill
0.40
-98.93%
37.03
+53.25%
24.17
+175.75%
-31.90
Special Income Charges
0.40
-98.93%
37.03
+53.25%
24.17
+150.81%
-47.56
Other Special Charges
-0.40
+98.21%
-22.11
+72.83%
-81.35
—
Impairment Of Capital Assets
0.00
0.00
-100.00%
57.23
-6.77%
61.39
Restructuring And Mergern Acquisition
0.00
+100.00%
-14.93
-33831.82%
-0.04
+99.68%
-13.82
Net Income
-3.36
+89.76%
-32.83
+75.49%
-133.93
+14.45%
-156.56
Pretax Income
26.73
+187.05%
-30.71
+76.96%
-133.31
+14.39%
-155.72
Net Non Operating Interest Income Expense
-49.92
-22.40%
-40.79
-46.02%
-27.93
-248.90%
-8.01
Interest Expense Non Operating
29.51
+25.82%
23.45
+19.01%
19.71
+125.94%
8.72
Net Interest Income
-49.92
-22.40%
-40.79
-46.02%
-27.93
-248.90%
-8.01
Interest Expense
29.51
+25.82%
23.45
+19.01%
19.71
+125.94%
8.72
Interest Income Non Operating
1.65
-5.72%
1.75
-55.15%
3.90
+443.24%
0.72
Interest Income
1.65
-5.72%
1.75
-55.15%
3.90
+443.24%
0.72
Other Income Expense
482.41
+10.18%
437.85
+1.75%
430.30
+1442.60%
-32.05
Other Non Operating Income Expenses
—
1.66
+83300.00%
-0.00
+98.63%
-0.15
Gain On Sale Of Security
—
20.26
+465.84%
3.58
-77.14%
15.66
Gain On Sale Of Business
—
-5.33
0.00
0.00
Tax Provision
11.42
+439.30%
2.12
+240.35%
0.62
-26.13%
0.84
Tax Rate For Calcs
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Tax Effect Of Unusual Items
0.08
-98.93%
7.78
+53.25%
5.07
+175.75%
-6.70
Net Income Including Noncontrolling Interests
15.32
+146.66%
-32.83
+75.49%
-133.93
+14.45%
-156.56
Net Income From Continuing Operation Net Minority Interest
-3.36
+89.76%
-32.83
+75.49%
-133.93
+14.45%
-156.56
Net Income From Continuing And Discontinued Operation
-3.36
+89.76%
-32.83
+75.49%
-133.93
+14.45%
-156.56
Net Income Continuous Operations
15.32
+146.66%
-32.83
+75.49%
-133.93
+14.45%
-156.56
Minority Interests
-18.68
0.00
—
—
Normalized Income
-3.67
+94.08%
-62.09
+59.43%
-153.02
-16.50%
-131.35
Net Income Common Stockholders
-3.36
+89.76%
-32.83
+75.49%
-133.93
+14.45%
-156.56
Otherunder Preferred Stock Dividend
—
—
—
0.00
Diluted EPS
—
-0.32
+76.72%
-1.39
+13.66%
-1.61
Basic EPS
—
-0.32
+76.72%
-1.39
+13.66%
-1.61
Basic Average Shares
—
101.46
+5.62%
96.06
-1.33%
97.35
Diluted Average Shares
—
101.46
+5.62%
96.06
-1.33%
97.35
Diluted NI Availto Com Stockholders
-3.36
+89.76%
-32.83
+75.49%
-133.93
+14.45%
-156.56
Average Dilution Earnings
—
—
—
0.00
Loss Adjustment Expense
131.63
-40.23%
220.23
-4.00%
229.41
—
Net Policyholder Benefits And Claims
131.63
-40.23%
220.23
-4.00%
229.41
—
Policyholder Benefits Ceded
10.80
-31.19%
15.69
0.00
—
Policyholder Benefits Gross
142.42
-39.63%
235.92
+2.84%
229.41
—
Provision For Doubtful Accounts
—
0.24
-99.36%
37.18
+4518.63%
0.81
Total Other Finance Cost
22.06
+15.61%
19.08
+57.45%
12.12
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
797.42
-2.03%
813.97
-9.50%
899.39
Current Assets
—
365.13
-24.10%
481.08
Cash Cash Equivalents And Short Term Investments
180.89
-5.66%
191.74
-34.78%
294.01
Cash And Cash Equivalents
160.61
-4.20%
167.64
-35.13%
258.42
Other Short Term Investments
20.28
-15.85%
24.10
-32.28%
35.59
Receivables
58.01
-47.93%
111.41
+3.28%
107.87
Accounts Receivable
58.01
-47.93%
111.41
+358.70%
24.29
Gross Accounts Receivable
—
20.81
-16.40%
24.89
Allowance For Doubtful Accounts Receivable
—
-1.70
-183.33%
-0.60
Other Receivables
—
92.30
+10.43%
83.58
Prepaid Assets
6.44
-23.25%
8.39
—
Current Deferred Assets
—
17.54
-35.45%
27.17
Restricted Cash
—
29.14
-24.93%
38.81
Other Current Assets
—
15.29
+15.75%
13.21
Total Non Current Assets
—
448.84
+7.30%
418.31
Net PPE
27.61
+22.47%
22.54
+33.69%
16.86
Gross PPE
—
45.55
+27.88%
35.62
Accumulated Depreciation
—
-23.00
-22.66%
-18.75
Properties
—
0.00
0.00
Machinery Furniture Equipment
—
44.62
+29.56%
34.44
Other Properties
—
—
—
Leases
—
0.93
-21.09%
1.18
Goodwill And Other Intangible Assets
245.72
-5.73%
260.65
-6.62%
279.12
Goodwill
191.91
+0.00%
191.91
+0.00%
191.91
Other Intangible Assets
53.81
-21.72%
68.75
-21.18%
87.22
Investments And Advances
—
158.65
+53.16%
103.59
Non Current Accounts Receivable
—
—
13.43
Other Non Current Assets
—
6.99
-62.68%
18.74
Total Liabilities Net Minority Interest
775.04
-9.58%
857.19
-8.33%
935.08
Current Liabilities
—
414.16
-10.39%
462.15
Payables And Accrued Expenses
56.21
-13.03%
64.63
-23.01%
83.95
Payables
25.06
-26.09%
33.90
+38.08%
24.55
Accounts Payable
8.24
-62.00%
21.68
+147.45%
8.76
Other Payable
12.35
+57.29%
7.85
-50.28%
15.79
Current Accrued Expenses
31.16
+1.38%
30.73
-48.26%
59.40
Total Tax Payable
4.47
+2.33%
4.37
—
Income Tax Payable
4.47
+2.33%
4.37
—
Current Debt And Capital Lease Obligation
7.77
+5081.33%
0.15
-38.52%
0.24
Current Debt
7.77
+5081.33%
0.15
-38.52%
0.24
Other Current Borrowings
7.77
—
—
Current Deferred Liabilities
4.55
-98.17%
248.67
-6.75%
266.66
Current Deferred Revenue
4.55
-98.17%
248.67
-6.75%
266.66
Other Current Liabilities
—
5.28
-46.19%
9.82
Total Non Current Liabilities Net Minority Interest
—
443.04
-6.32%
472.92
Long Term Debt And Capital Lease Obligation
385.06
-4.64%
403.79
-7.28%
435.50
Long Term Debt
385.06
-4.64%
403.79
-7.28%
435.50
Long Term Capital Lease Obligation
—
—
—
Non Current Deferred Liabilities
219.56
—
—
Non Current Deferred Revenue
219.56
—
—
Other Non Current Liabilities
—
39.25
+4.86%
37.43
Stockholders Equity
-24.62
+43.04%
-43.23
-21.14%
-35.68
Common Stock Equity
-24.62
+43.04%
-43.23
-21.14%
-35.68
Capital Stock
0.01
+10.00%
0.01
+0.00%
0.01
Common Stock
0.01
+10.00%
0.01
+0.00%
0.01
Share Issued
124.12
+3.63%
119.77
+23.40%
97.06
Ordinary Shares Number
105.81
+4.29%
101.46
+4.53%
97.06
Treasury Shares Number
18.31
+0.00%
18.31
0.00
Additional Paid In Capital
623.00
-13.12%
717.07
+3.89%
690.22
Retained Earnings
-648.27
+14.12%
-754.86
-4.54%
-722.06
Gains Losses Not Affecting Retained Earnings
0.64
+111.79%
-5.45
-41.09%
-3.86
Minority Interest
47.01
0.00
—
Other Equity Adjustments
0.64
+111.79%
-5.45
-41.09%
-3.86
Total Equity Gross Minority Interest
22.39
+151.79%
-43.23
-21.14%
-35.68
Total Capitalization
360.44
-0.03%
360.56
+1110.46%
-35.68
Working Capital
—
-49.03
-359.06%
18.93
Invested Capital
368.21
+2.08%
360.71
+1110.88%
-35.68
Total Debt
392.83
-2.75%
403.94
-7.30%
435.74
Net Debt
232.22
-1.72%
236.29
+33.26%
177.32
Capital Lease Obligations
—
—
—
Net Tangible Assets
-270.34
+11.04%
-303.88
+3.47%
-314.81
Tangible Book Value
-270.34
+11.04%
-303.88
+3.47%
-314.81
Current Notes Payable
—
0.15
—
Current Provisions
—
67.78
-29.02%
95.50
Derivative Product Liabilities
—
—
—
Interest Payable
7.18
+19.40%
6.02
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
66.42
+309.64%
-31.68
-193.38%
33.93
+291.30%
-17.74
Cash Flow From Continuing Operating Activities
66.42
+309.64%
-31.68
-193.38%
33.93
+291.30%
-17.74
Net Income From Continuing Operations
15.32
+146.66%
-32.83
+75.49%
-133.93
+14.45%
-156.56
Depreciation Amortization Depletion
—
25.52
+4.53%
24.41
-12.59%
27.93
Depreciation
—
25.52
+4.53%
24.41
-12.59%
27.93
Depreciation And Amortization
24.47
-4.13%
25.52
+4.53%
24.41
-12.59%
27.93
Other Non Cash Items
2.29
+104.61%
-49.62
-1.73%
-48.78
-480.98%
12.80
Stock Based Compensation
28.95
+6.52%
27.18
+31.25%
20.71
-23.42%
27.04
Provisionand Write Offof Assets
—
0.24
-99.36%
37.18
+4518.63%
0.81
Asset Impairment Charge
0.00
0.00
-100.00%
57.23
-6.77%
61.39
Deferred Tax
—
—
—
-0.29
Deferred Income Tax
—
—
—
-0.29
Operating Gains Losses
—
5.33
+106.59%
-80.91
-185.82%
-28.31
Gain Loss On Investment Securities
—
-6.56
-1577.48%
0.44
+101.57%
-28.31
Gain Loss On Sale Of PPE
—
—
—
0.74
Change In Working Capital
-18.23
+34.88%
-28.00
-131.50%
88.87
+139.12%
37.16
Change In Receivables
-5.49
-3442.58%
-0.15
-115.05%
1.03
+101.36%
-75.53
Changes In Account Receivables
-5.49
-3442.58%
-0.15
-115.05%
1.03
+121.08%
-4.89
Change In Prepaid Assets
—
—
—
-5.15
Change In Payables And Accrued Expense
57.47
+357.89%
-22.28
-112.34%
180.54
+2601.95%
-7.22
Change In Accrued Expense
4.07
+138.13%
-10.66
-669.34%
-1.39
+78.74%
-6.52
Change In Payable
53.40
+559.55%
-11.62
-106.39%
181.93
+26201.43%
-0.70
Change In Account Payable
53.40
+559.55%
-11.62
-106.39%
181.93
+26201.43%
-0.70
Change In Other Working Capital
-36.28
-348.41%
14.60
+125.42%
-57.45
-158.49%
98.22
Change In Other Current Liabilities
-18.62
+32.81%
-27.72
-440.42%
-5.13
-123.65%
21.69
Investing Cash Flow
-71.92
-59.61%
-45.06
+19.90%
-56.25
+29.40%
-79.68
Cash Flow From Continuing Investing Activities
-71.92
-59.61%
-45.06
+19.90%
-56.25
+29.40%
-79.68
Net PPE Purchase And Sale
-0.45
+13.19%
-0.52
+38.54%
-0.85
+63.79%
-2.35
Purchase Of PPE
-0.45
+13.19%
-0.52
+38.54%
-0.85
+63.79%
-2.35
Capital Expenditure
-14.36
-12.24%
-12.79
-26.73%
-10.10
+3.39%
-10.45
Capital Expenditure Reported
-13.91
-13.32%
-12.27
-32.74%
-9.24
-14.14%
-8.10
Net Investment Purchase And Sale
-58.78
-36.26%
-43.14
+2.37%
-44.18
-44.39%
-30.60
Purchase Of Investment
-148.34
-33.73%
-110.92
-21.88%
-91.02
-73.34%
-52.51
Sale Of Investment
89.56
+32.12%
67.79
+44.75%
46.83
+113.79%
21.91
Net Business Purchase And Sale
1.22
-88.80%
10.87
+650.66%
-1.97
+94.89%
-38.63
Purchase Of Business
0.00
0.00
+100.00%
-1.97
+94.89%
-38.63
Gain Loss On Sale Of Business
0.00
-100.00%
5.33
0.00
0.00
Financing Cash Flow
-22.17
+6.49%
-23.71
-126.07%
90.95
+7312.47%
1.23
Cash Flow From Continuing Financing Activities
-22.17
+6.49%
-23.71
-126.07%
90.95
+7312.47%
1.23
Net Issuance Payments Of Debt
-17.16
+26.55%
-23.37
-121.94%
106.52
+981.39%
9.85
Issuance Of Debt
51.00
0.00
-100.00%
116.67
+677.78%
15.00
Repayment Of Debt
-68.16
-191.70%
-23.37
-130.23%
-10.15
-97.09%
-5.15
Long Term Debt Issuance
51.00
0.00
-100.00%
116.67
+1066.67%
10.00
Long Term Debt Payments
-68.16
-191.70%
-23.37
-130.23%
-10.15
-97.09%
-5.15
Net Long Term Debt Issuance
-17.16
+26.55%
-23.37
-121.94%
106.52
+2096.23%
4.85
Short Term Debt Issuance
—
0.00
0.00
-100.00%
5.00
Net Short Term Debt Issuance
—
0.00
0.00
-100.00%
5.00
Net Common Stock Issuance
0.00
0.00
+100.00%
-5.61
-209.32%
-1.81
Common Stock Payments
0.00
0.00
+100.00%
-5.61
-209.32%
-1.81
Common Stock Dividend Paid
—
—
—
0.00
Cash Dividends Paid
—
—
—
0.00
Repurchase Of Capital Stock
0.00
0.00
+100.00%
-5.61
-209.32%
-1.81
Proceeds From Stock Option Exercised
—
—
0.00
-100.00%
1.12
Net Other Financing Charges
-5.00
-1376.40%
-0.34
+96.60%
-9.96
-46.23%
-6.81
Changes In Cash
-27.67
+72.45%
-100.45
-246.37%
68.63
+171.35%
-96.19
Beginning Cash Position
196.78
-33.80%
297.23
+30.02%
228.60
-29.61%
324.79
End Cash Position
169.11
-14.06%
196.78
-33.80%
297.23
+30.02%
228.60
Free Cash Flow
52.06
+217.04%
-44.48
-286.62%
23.83
+184.56%
-28.19
Interest Paid Supplemental Data
29.01
+22.06%
23.76
+94.59%
12.21
+247.72%
3.51
Income Tax Paid Supplemental Data
0.56
-9.50%
0.62
—
0.67
Amortization Of Securities
—
—
—
0.28
Issuance Of Capital Stock
—
—
—
0.00
Net Preferred Stock Issuance
—
—
—
0.00
Preferred Stock Issuance
—
—
—
0.00
Sale Of Business
1.22
-88.80%
10.87
0.00
0.00
SEC Filings

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

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