Stocks · Financial Services · Insurance - Property & Casualty
Porch Group, Inc. PRCH
$17.31 +3.34% Close, Oct 2, 2026 · NASDAQ · Market cap $1.97B
High risk
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-0.13, down 123.9% year over year.
- The diluted share count fell 11.2% in a year, mainly through buybacks.
- The stock is in an uptrend: above its 200-day average for 76 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth62Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 28%
- EPS growth (TTM, YoY)Bottom 7%
- Revenue growth, 3-year CAGRTop 30%
- Revenue growth accelerationTop 25%
Quality37Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 3%
- Gross marginTop 33%
- Operating marginBottom 18%
- Accruals (lower is better)Top 9%
- Net debt / EBITDA (lower is better)Bottom 39%
- Interest coverBottom 38%
Value25Very weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 12%
- Free-cash-flow yieldBottom 33%
- EBITDA / enterprise valueBottom 36%
- Sales / enterprise valueBottom 31%
Momentum74Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 44%
- 6-month returnTop 1%
- 1-year return vs S&P 500Bottom 39%
- Distance from 52-week highTop 28%
- Trend checklist (0–4)Top 11%
Revisions95Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 3%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyTop 8%
- Upside to consensus price targetTop 49%
Stability6Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 8%
- Maximum drawdown, 3 yearsBottom 5%
- Beta vs S&P 500 (lower is better)Bottom 3%
- Net debt / EBITDA (lower is better)Bottom 39%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 13.0% | 15.8% | ↑ |
| Gross margin | 67.7% | 71.6% | ↑ |
| Operating margin | 6.1% | 8.0% | ↑ |
| FCF margin | -0.1% | 16.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 15.8% | 13.0% | ↑ | Top 28% |
| EPS growth (TTM, YoY) | -123.9% | — | Bottom 7% | |
| Gross margin | 71.6% | 67.7% | ↑ | Top 33% |
| Operating margin | 8.0% | 6.1% | ↑ | Bottom 18% |
| Net margin | -1.1% | 12.8% | ↓ | — |
| Free-cash-flow margin | 16.6% | -0.1% | ↑ | — |
| Return on invested capital | -20.3% | — | Bottom 3% | |
| Revenue growth, 3-year CAGR | 20.5% | — | Top 30% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -12.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 6.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -93.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.40×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.13%
- Shareholder yield
- 0.13%
- Share count change, 1 year
- -11.2%
- Share count change, 3-year CAGR
- +6.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 29, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +91.0%
- Average 2-day reaction, last 8
- +2.4%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $20.00
- Target vs current price
- +15.5%
- Analysts with a rating
- 14
- Share rating Buy or Strong Buy
- 86%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +266.7% | -2.1% | +30.7% | +38.2% | — |
| Apr 28, 2026 | +60.0% | +6.7% | +28.7% | +26.8% | +44.5% |
| Feb 11, 2026 | +62.5% | +2.7% | +19.5% | +2.7% | +52.6% |
| Nov 5, 2025 | -25.0% | +9.2% | -29.0% | -34.8% | -46.1% |
| Aug 5, 2025 | +123.1% | +2.3% | +15.8% | +38.0% | +20.5% |
| May 6, 2025 | +214.3% | +1.4% | +69.4% | +51.5% | +101.9% |
| Feb 25, 2025 | +275.0% | -3.6% | +76.1% | +74.6% | +157.0% |
| Nov 7, 2024 | +1300.0% | +2.2% | +26.8% | +108.8% | +98.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.05 | -$0.03 | +266.7% | $131.8M |
| Apr 28, 2026 | -$0.04 | -$0.10 | +60.0% | $109.4M |
| Feb 11, 2026 | -$0.03 | -$0.08 | +62.5% | $112.3M |
| Nov 5, 2025 | -$0.10 | -$0.08 | -25.0% | $115.1M |
| Aug 5, 2025 | $0.03 | -$0.13 | +123.1% | $107.0M |
| May 6, 2025 | $0.08 | -$0.07 | +214.3% | $84.5M |
| Feb 25, 2025 | $0.30 | $0.08 | +275.0% | $100.4M |
| Nov 7, 2024 | $0.12 | -$0.01 | +1300.0% | $111.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 932.1× | — | — | — |
| EV / EBITDA | 24.1× | — | — | Bottom 36% |
| EV / Sales | 4.33× | — | — | Bottom 31% |
| Free-cash-flow yield | 4.26% | — | — | Bottom 33% |
| Earnings yield | -0.73% | — | — | Bottom 12% |
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 49
- Days above the 200-day average
- 76
- 50-day average slope (20 days)
- +6.7%
- 200-day average slope (20 days)
- +6.7%
- Distance from 50-day average
- +6.5%
- Distance from 200-day average
- +55.0%
- RSI (14)
- 59.5
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 61.0%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 2.54
- Correlation with S&P 500
- 0.32
- Current drawdown from 1-year high
- -4.2%
- Maximum drawdown, 3 years
- -75.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 16, 2021 | Oct 24, 2023 | -98.0% | 486 days | Not yet recovered |
| Feb 10, 2021 | Apr 20, 2021 | -48.2% | 47 days | 144 days (Nov 11, 2021) |
| Jan 20, 2021 | Jan 29, 2021 | -20.5% | 7 days | 5 days (Feb 5, 2021) |
| Dec 24, 2020 | Jan 11, 2021 | -15.0% | 10 days | 2 days (Jan 13, 2021) |
| Dec 8, 2020 | Dec 15, 2020 | -10.8% | 5 days | 5 days (Dec 22, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.97B
- EPS, diluted (TTM)
- -$0.13
- Revenue (TTM)
- $504.4M
- 52-week range
- $6.36 – $18.37
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $192.4M | $275.9M | $430.3M | $437.8M | $482.4M |
| Gross profit | $133.7M | $168.4M | $210.1M | $212.2M | $340.0M |
| Operating income | -$83.4M | -$177.0M | -$190.4M | -$64.6M | $36.6M |
| Net income | -$106.6M | -$156.6M | -$133.9M | -$32.8M | $15.3M |
| EPS (diluted) | -$1.16 | -$1.61 | -$1.39 | -$0.33 | -$0.03 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $111.2M | $100.4M | $104.7M | $119.3M | $118.1M | $124.3M | $121.1M | $140.9M |
| Net income | $14.4M | $30.5M | $8.4M | $2.6M | -$10.9M | $4.3M | -$4.7M | $5.6M |
| EPS (diluted) | $0.14 | $0.30 | $0.07 | $0.02 | -$0.10 | -$0.03 | -$0.04 | $0.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$34.8M | -$17.7M | $33.9M | -$31.7M | $66.4M |
| Capital expenditure | -$4.7M | -$10.4M | -$10.1M | -$523,000 | -$14.4M |
| Free cash flow | -$39.5M | -$28.2M | $23.8M | -$32.2M | $52.1M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $131.0M | -$1.8M | -$5.6M | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $218.5M
- Total assets
- $816.0M
- Total liabilities
- $796.6M
- Total debt
- $405.3M
- Net debt
- $217.2M
- Shareholders’ equity
- -$11.8M
As of Jun 30, 2026 (filed Jul 29, 2026).
Short interest
- Shares sold short
- 17,331,935
- Days to cover
- 12.93
- Change vs previous report
- +2.3%
FINRA short interest, settlement date Sep 15, 2026.