PRCH

BEARISH

$8.2 Live

Porch Group, Inc. · NASDAQ

Target $16.29 (+98.6%)

$4.64 52W Range $19.44

PRCH Porch Group, Inc. - Fundamental Analysis

BEARISH

Console Chart News

PRCH Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Insurance - Property & Casualty

Current Price Live

$8.2

Analyst Target

$16.29

+98.6% Upside

52W High

$19.44

52W Low

$4.64

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 18, 2026

Market cap

$870.43M

P/E

N/A

ROE

N/A

Profit margin

-0.7%

Debt/Equity

17.63

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

90%

PRCH exhibits severe financial distress as evidenced by a weak Piotroski F-Score of 2/9 and a catastrophic Debt/Equity ratio of 17.63. While the company shows impressive top-line revenue growth (39.8% YoY), the negative Price/Book ratio (-35.19) indicates negative shareholders' equity, suggesting the company is technically insolvent on a balance sheet basis. There is a stark divergence between the 'Strong Buy' analyst consensus and the bearish insider activity, where the CEO, CFO, and COO are all selling shares. The combination of extreme leverage and poor deterministic health scores outweighs the growth potential.

Key Strengths

Strong YoY revenue growth of 39.80%

Accelerating Q/Q revenue growth of 66.98%

High gross margins at 70.48%

Positive operating margin of 11.72%

Recent trend of beating earnings estimates in 2 of the last 4 quarters

Key Risks

Extreme leverage with a Debt/Equity ratio of 17.63

Negative shareholders' equity (Price/Book of -35.19)

Very weak financial health (Piotroski F-Score 2/9)

Aggressive insider selling by the entire C-suite (CEO, CFO, COO)

Lack of positive net profit margins (-0.70%)

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Speculative

Key drivers: Negative Book Value, Extreme Debt Load, Strong Revenue Growth, Insider Divestment

Confidence

90%

Value

10/100

P/B of -35.19 indicates the company's liabilities far exceed its assets.

Positives

Reasonable Price/Sales ratio of 1.80

Watchpoints

Negative Price/Book ratio
No P/E or Graham Number available due to losses

Future

65/100

Revenue growth is the primary bullish driver.

Positives

Rapid revenue scaling
Positive operating margins suggest a path to profitability

Watchpoints

High cost of capital due to debt
Sustainability of growth given financial instability

Past

30/100

Historical earnings track record is predominantly negative.

Positives

Strong 3Y return (+638.7%)

Watchpoints

Negative 5Y return
Consistent history of earnings misses and negative EPS

Health

5/100

Deterministic health scores indicate critical weakness and high bankruptcy risk.

Positives

Current ratio (2.49) suggests short-term liquidity

Watchpoints

Piotroski F-Score of 2/9
Debt/Equity of 17.63

Dividend

0/100

Dividend strength is 0/100.

Positives

No standout positives identified.

Watchpoints

No dividend paid
No history of payouts

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$8.2

Analyst Target

$16.29

Upside/Downside

+98.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PRCH and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
PRCH Porch Group, Inc. Primary	-39.3%	+638.7%	+55.0%	-45.4%	+13.6%	+21.3%
FSBC Five Star Bancorp Peer	+132.6%	+126.2%	+58.8%	+32.0%	+9.0%	+6.4%
ABX Abacus Global Management, Inc. Peer	-6.8%	-10.9%	+24.7%	+51.2%	+3.4%	-5.8%
LIFE Ethos Technologies Inc. Peer	-18.0%	-18.0%	-18.0%	-18.0%	+9.5%	+16.3%
BOW Bowhead Specialty Holdings Inc. Peer	+6.2%	+6.2%	-19.5%	-23.2%	-11.8%	+5.0%

PRC

Porch Group, Inc.

Primary

-39.3%

+638.7%

+55.0%

-45.4%

+13.6%

+21.3%

FSB

Five Star Bancorp

Peer

+132.6%

+126.2%

+58.8%

+32.0%

+9.0%

+6.4%

ABX

Abacus Global Management, Inc.

Peer

-6.8%

-10.9%

+24.7%

+51.2%

+3.4%

-5.8%

LIF

Ethos Technologies Inc.

Peer

-18.0%

+9.5%

+16.3%

BOW

Bowhead Specialty Holdings Inc.

Peer

+6.2%

-19.5%

-23.2%

-11.8%

+5.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

-10.93

N/A

-35.19

1.8

2.35

18.56

$870.43M

Profitability

Profit margins and return metrics

Profit Margin -0.7%

Operating Margin 11.72%

Gross Margin 70.48%

ROE N/A

ROA 2.83%

Growth

Revenue and earnings growth rates

Revenue Growth +39.8%

Earnings Growth N/A

Q/Q Revenue Growth +66.98%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

17.63

High debt

Current Ratio

2.49

Strong

Quick Ratio

1.94

Excellent

Cash/Share

$1.7

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.2B

Net Margin

-2.1%

Total Assets

$0.8B

Liabilities

$0.8B

Equity

$-0.0B

Debt/Equity

-31.48x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

-190%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-28

$N/A

2026-02-11

$-0.03

+55.9% surprise

2025-11-05

$-0.1

-118.8% surprise

2025-08-05

$0.02

+117.2% surprise

Financial Services Sector Comparison

Comparing PRCH against 497 companies in the Financial Services sector (90 bullish, 207 neutral, 200 bearish)

Profit Margin

-0.7%

This Stock

48.99%

Sector Avg

-101.4% (Weaker)

Debt to Equity

17.63

This Stock

1.45

Sector Avg

+1114.7% (Higher)

Revenue Growth

39.8%

This Stock

36.6%

Sector Avg

+8.8% (Growing)

Current Ratio

2.49

This Stock

3.32

Sector Avg

-24.9% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
PRCH Porch Group, Inc.	BEARISH	$870.43M	-	-%	-0.7%	$8.2
FSBC Five Star Bancorp	BULLISH	$871.08M	13.81	14.6%	41.4%	$40.75	Compare
ABX Abacus Global Management, Inc.	BEARISH	$869.02M	24.69	8.8%	15.5%	$8.89	Compare
LIFE Ethos Technologies Inc.	BULLISH	$868.23M	12.11	21.0%	18.4%	$13.81	Compare
BOW Bowhead Specialty Holdings Inc.	NEUTRAL	$879.28M	16.0	13.2%	10.1%	$25.28	Compare

PRCH Porch Group, Inc.

BEARISH

Mkt Cap

$870M

P/E

ROE

Price

$8.2

FSBC Five Star Bancorp

Compare with PRCH

Compare with PRCH

LIFE Ethos Technologies Inc.

Compare with PRCH

Compare with PRCH

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-14	NEAGLE MATTHEW	Chief Operating Officer	Sale	83,599	$572,001
2026-04-14	TABAK SHAWN	Chief Financial Officer	Sale	17,697	$121,086
2026-04-14	EHRLICHMAN MATT	Chief Executive Officer	Sale	145,882	$998,154
2026-04-09	NEAGLE MATTHEW	Chief Operating Officer	Sale	62,827	$449,314
2026-04-09	TABAK SHAWN	Chief Financial Officer	Sale	7,734	$55,310
2026-04-09	EHRLICHMAN MATT	Chief Executive Officer	Sale	121,293	$867,439
2026-04-07	NEAGLE MATTHEW	Chief Operating Officer	Stock Award	156,622	-
2026-04-07	NEAGLE MATTHEW	Chief Operating Officer	Sale	28,825	$207,220
2026-04-07	TABAK SHAWN	Chief Financial Officer	Stock Award	67,335	-
2026-04-07	TABAK SHAWN	Chief Financial Officer	Sale	9,344	$67,173
2026-04-07	EHRLICHMAN MATT	Chief Executive Officer	Stock Award	297,829	-
2026-04-07	EHRLICHMAN MATT	Chief Executive Officer	Sale	71,167	$511,612
2026-04-02	NEAGLE MATTHEW	Chief Operating Officer	Sale	8,446	$58,931
2026-04-02	EHRLICHMAN MATT	Chief Executive Officer	Sale	6,988	$48,758
2026-03-19	NEAGLE MATTHEW	Chief Operating Officer	Stock Award	826,548	-

NEAGLE MATTHEW

Chief Operating Officer

Sell

2026-04-14

83,599 shares · $572,001

TABAK SHAWN

Chief Financial Officer

Sell

2026-04-14

17,697 shares · $121,086

EHRLICHMAN MATT

Chief Executive Officer

Sell

2026-04-14

145,882 shares · $998,154

NEAGLE MATTHEW

Chief Operating Officer

Sell

2026-04-09

62,827 shares · $449,314

TABAK SHAWN

Chief Financial Officer

Sell

2026-04-09

7,734 shares · $55,310

EHRLICHMAN MATT

Chief Executive Officer

Sell

2026-04-09

121,293 shares · $867,439

NEAGLE MATTHEW

Chief Operating Officer

Stock Award

2026-04-07

156,622 shares

NEAGLE MATTHEW

Chief Operating Officer

Sell

2026-04-07

28,825 shares · $207,220

TABAK SHAWN

Chief Financial Officer

Stock Award

2026-04-07

67,335 shares

TABAK SHAWN

Chief Financial Officer

Sell

2026-04-07

9,344 shares · $67,173

EHRLICHMAN MATT

Chief Executive Officer

Stock Award

2026-04-07

297,829 shares

EHRLICHMAN MATT

Chief Executive Officer

Sell

2026-04-07

71,167 shares · $511,612

NEAGLE MATTHEW

Chief Operating Officer

Sell

2026-04-02

8,446 shares · $58,931

EHRLICHMAN MATT

Chief Executive Officer

Sell

2026-04-02

6,988 shares · $48,758

NEAGLE MATTHEW

Chief Operating Officer

Stock Award

2026-03-19

826,548 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-04-17

PRCH filed a definitive proxy statement (DEF 14A) on April 17, 2026, providing shareholders with necessary information and voting materials for the company's upcoming annual meeting.

10-K

2026-02-20

PRCH filed its annual 10-K on February 20, 2026, providing comprehensive disclosures on its business operations and financial condition. The filing includes detailed analysis within the Management’s Discussion and Analysis and Risk Factors sections regarding the company's operational results and potential vulnerabilities.

8-K

2026-02-11

Pearson plc filed an 8-K on February 11, 2026, likely to announce its full-year financial results.

10-Q

2025-11-06

PRCH filed its quarterly 10-Q report on November 6, 2025. The filing includes a section on risk factors under Item 1A, although specific financial highlights and detailed risk descriptions were not provided in the available excerpt.

8-K

2025-11-05

Pearson plc filed an 8-K on November 5, 2025, likely to announce its third-quarter financial results.

10-Q

2025-08-05

PRCH filed its quarterly 10-Q report on August 5, 2025. The filing includes a section on Risk Factors under Item 1A, although specific financial highlights and detailed risk descriptions were not provided in the available excerpt.

8-K

2025-08-05

8-K/A

2025-06-27

Pear Therapeutics filed an amendment to a previously submitted current report.

8-K

2025-06-16

8-K

2025-05-28

8-K

2025-05-20

10-Q

2025-05-08

8-K

2025-05-06

DEF 14A

2025-04-17

8-K

2025-04-08

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

STRONG_BUY

7 analysts

Keefe, Bruyette & Woods

2026-02-12

Maintains

Outperform Outperform

Keefe, Bruyette & Woods

2026-02-11

Market Perform Outperform

Past News Coverage

Recent headlines mentioning PRCH from our newsroom.

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PRCH

PRCH Porch Group, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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