Porch Group, Inc.
PRCH Nasdaq· Accident & Health Insurance
Last close · Oct 27, 2026
$17.66
KIRA · Stoqly’s AI analyst, in plain words
- Porch Group, Inc. had $482M of revenue in fiscal 2025, up 10.2% on the year before. Over five years, revenue changed +46.2% a year on average.
- Its operating margin was 7.6%, up 22.3 pts: of every 100 in sales, about 8 is left after running the business.
- Porch Group, Inc. lost $3.4M in fiscal 2025.
- Free cash flow was $66.0M in fiscal 2025, 13.7% of revenue.
- Porch Group, Inc. returned $0.0M to shareholders in fiscal 2025, 0% of free cash flow. The diluted share count rose 4.1%.
- Porch Group, Inc. owes $336M more than it holds in cash, about 5.5 years of operating profit.
Market cap
$2.1B
P/E
—
Revenue
$482M
Net income
−$3.4M
Free cash flow
$66.0M
Operating margin
7.6%
Porch Group, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+10.2%
Yes. Sales grew 10.2% last year.
Does it make a profit?
−0.7%
No. It lost money last year.
Does profit turn into cash?
13.7%
Yes. 13.7% of sales ends up as free cash.
Is debt under control?
5.5x
Heavy. Repaying its debt would take 5.5 years of operating profit.
How healthy are the accounts?
7 / 9
Solid. It passes 7 of 9 health tests.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Porch Group, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 20, 2026
- Legal name
- Porch Group, Inc.
- CIK
- 0001784535
Porch Group, Inc. · PRCH
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $192M | $276M | $430M | $438M | $482M |
| Revenue growth | 166.2% | 43.4% | 55.9% | 1.8% | 10.2% |
| Gross margin | 69.5% | 61.0% | 46.7% | 46.1% | 70.5% |
| Operating margin | −43.3% | −64.2% | −44.2% | −14.7% | 7.6% |
| Net income | −$107M | −$157M | −$134M | −$32.8M | −$3.4M |
| Net margin | −55.4% | −56.7% | −31.1% | −7.5% | −0.7% |
| Diluted EPS | −$1.14 | −$1.61 | −$1.39 | −$0.33 | −$0.03 |
| Cash | |||||
| Cash from operations | −$34.8M | −$17.7M | $33.9M | −$31.7M | $66.4M |
| Capital expenditure | $1.0M | $2.4M | $0.9M | $0.5M | $0.5M |
| Free cash flow | −$35.7M | −$20.1M | $33.1M | −$32.2M | $66.0M |
| FCF margin | −18.6% | −7.3% | 7.7% | −7.4% | 13.7% |
| Share buybacks | $0.0M | $1.8M | $5.6M | $0.0M | $0.0M |
| Share count change | 158.1% | 3.7% | −1.3% | 3.7% | 4.1% |
| Debt and strength | |||||
| Cash and short-term investments | $325M | $252M | $294M | $192M | $57.3M |
| Debt incl. finance leases | $415M | $442M | $436M | $404M | $393M |
| Shareholders' equity | $217M | $79.4M | −$35.7M | −$43.2M | −$24.6M |
| Net debt / EBITDA | — | — | — | — | 5.5x |
| Current ratio | 1.7x | 1.2x | 1.0x | 0.9x | 1.3x |
| Interest coverage | −14.5x | −20.3x | −6.0x | −1.5x | 0.7x |
| Returns and quality | |||||
| Return on capital | −21.5% | −51.9% | −141.8% | −30.2% | 7.6% |
| Return on equity | −65.7% | −105.6% | −613.4% | — | — |
| Piotroski F-score | 2 | 2 | 5 | 3 | 7 |
| Altman Z'' | −0.1 | −2.3 | −3.9 | −4.0 | −2.2 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$28.7M
4 insiders
Of sales under plans
18%
$5.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Porch Group, Inc. · PRCH
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $17.66 a share, the company is worth $2.1B.
Source: SEC EDGAR XBRL filings (CIK 0001784535). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.