PRCH

Company Overview — What Does Porch Group, Inc. Do?

Porch Group, Inc. operates a software platform in the United States and Canada. The company operates through two segments, Vertical Software and Insurance. The Vertical Software segment provides software and services to home services companies and gives early access to homebuyers and homeowners. It offers services to home services companies, such as home inspectors, consumers, such as homebuyers and homeowners, service providers, such as moving, insurance, warranty, and security companies, and TV/Internet providers. This segment operates through Floify, HireAHelper, ISN, iRoofing, Palm-Tech, Porch.com, Rynoh, and V12 brands. The Insurance segment offers property related insurance policies through our own risk-bearing carrier and independent agency as well as risk-bearing home warranty company. This segment operates though American Home Protect, Elite Insurance Group, and Homeowners of America brands. In addition, the company provides property and casualty, home, auto, flood, and umbrella insurance products; and contractor services. The company was incorporated in 2011 and is headquartered in Seattle, Washington. Porch Group, Inc. (PRCH) is classified as a small-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO Matt Ehrlichman and employs approximately 1,700 people. With a market capitalization of $777M, PRCH is one of the notable companies in the Technology sector.

Porch Group, Inc. (PRCH) Stock Rating — Reduce (April 2026)

As of April 2026, Porch Group, Inc. receives a Reduce rating with a composite score of 37.3/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.PRCH ranks #3,116 out of 4,446 stocks in our coverage universe. Within the Technology sector, Porch Group, Inc. ranks #356 of 584 stocks, placing it in the lower half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

PRCH Stock Price and 52-Week Range

Porch Group, Inc. (PRCH) currently trades at $6.76. The stock lost $0.26 (3.7%) in the most recent trading session. The 52-week high for PRCH is $19.44, which means the stock is currently trading -65.2% from its annual peak. The 52-week low is $4.64, putting the stock 45.5% above its annual trough. Recent trading volume was 1.1M shares, reflecting moderate market activity.

Is PRCH Overvalued or Undervalued? — Valuation Analysis

Porch Group, Inc. (PRCH) carries a value factor score of 52/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 30.86x, compared to the Technology sector average of 45.27x — a discount of 32%. The price-to-book ratio stands at 34.99x, versus the sector average of 3.16x. The price-to-sales ratio is 1.73x, compared to 1.06x for the average Technology stock. On an enterprise value basis, PRCH trades at 66.78x EV/EBITDA, versus 12.79x for the sector.

Overall, PRCH's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Porch Group, Inc. Profitability — ROE, Margins, and Quality Score

Porch Group, Inc. (PRCH) earns a quality factor score of 43/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 113.4%, compared to the Technology sector average of -1.4%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 3.2% versus the sector average of -1.0%.

On a margin basis, Porch Group, Inc. reports gross margins of 64.3%, compared to 50.9% for the sector. The operating margin is 3.6% (sector: -0.5%). Net profit margin stands at 5.6%, versus -1.5% for the average Technology stock. Revenue growth is running at 6.5% on a trailing basis, compared to 14.2% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

PRCH Debt, Balance Sheet, and Financial Health

Porch Group, Inc. has a debt-to-equity ratio of 1755.0%, compared to the Technology sector average of 43.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.30x, suggesting adequate working capital coverage. Total debt on the balance sheet is $393M. Cash and equivalents stand at $488M.

PRCH has a beta of 1.99, meaning it is more volatile than the broader market — a $10,000 investment in PRCH would be expected to move 98.7% more than the S&P 500 on any given day. The stability factor score for Porch Group, Inc. is 22/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

Porch Group, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Porch Group, Inc. reported revenue of $453M and earnings per share (EPS) of $-0.03. Net income for the quarter was $25M. Gross margin was 64.3%. Operating income came in at $18M.

In FY 2025, Porch Group, Inc. reported revenue of $482M and earnings per share (EPS) of $-0.03. Net income for the quarter was $15M. Gross margin was 70.5%. Revenue grew 10.2% year-over-year compared to FY 2024. Operating income came in at $37M.

In Q3 2025, Porch Group, Inc. reported revenue of $118M and earnings per share (EPS) of $-0.10. Net income for the quarter was $-982,000. Gross margin was 73.6%. Revenue grew 6.2% year-over-year compared to Q3 2024. Operating income came in at $16M.

In Q2 2025, Porch Group, Inc. reported revenue of $119M and earnings per share (EPS) of $0.03. Net income for the quarter was $8M. Gross margin was 63.6%. Revenue grew 7.6% year-over-year compared to Q2 2024. Operating income came in at $5M.

Over the past 8 quarters, Porch Group, Inc. has demonstrated a growth trajectory, with revenue expanding from $111M to $453M. Investors analyzing PRCH stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

PRCH Dividend Yield and Income Analysis

Porch Group, Inc. (PRCH) does not currently pay a dividend. This is common among smaller companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.

PRCH Momentum and Technical Analysis Profile

Porch Group, Inc. (PRCH) has a momentum factor score of 30/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 31/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 40/100 reflects moderate short selling activity.

PRCH vs Competitors — Technology Sector Ranking and Peer Comparison

Within the Technology sector, Porch Group, Inc. (PRCH) ranks #356 out of 584 stocks based on the Blank Capital composite score. This places PRCH in the lower half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.

Comparing PRCH against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PRCH vs S&P 500 (SPY) comparison to assess how Porch Group, Inc. stacks up against the broader market across all factor dimensions.

PRCH Next Earnings Date

No upcoming earnings date has been announced for Porch Group, Inc. (PRCH) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy PRCH? — Investment Thesis Summary

The quantitative profile for Porch Group, Inc. suggests caution. Momentum is weak at 30/100, a headwind for near-term performance. High volatility (stability score 22/100) increases portfolio risk.

In summary, Porch Group, Inc. (PRCH) earns a Reduce rating with a composite score of 37.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PRCH stock.

Related Resources for PRCH Investors

Explore more research and tools: PRCH vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PRCH head-to-head with peers: PRCH vs IHS, PRCH vs VRSN, PRCH vs ESE.