PRCH
Porch Group, Inc. Financials Accident & Health Insurance Russell 3000
$20.56Close
$2.6BMarket cap
$6.40 – $20.8952-week range
Late-januaryNext report · estimated
Highlights
Strengths
- In a stage-2 uptrend all 8 trend conditions pass
- Leading the market RS 96 · stronger than 96% of stocks over 12 months
- RS line at a 1-year high outperforming the S&P 500 more than at any point this year
- Near its high 2% below its 52-week high
Cautions
- Financial distress Altman Z″ in the distress zone
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
2%
1wk
up 16.0%
price change
1mo
up 23.4%
price change
12-month return
up 33%
market up 11% ·
its own up 23%
F-score
6 / 9
Mixed
Altman Z″
-2.21
Elevated risk
P/E
—
price / earnings
PEG
—
P/E / EPS growth
P/B
—
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
37%
of the market · expensive
Revenue growth
up 34%
year on year
EPS growth
—
latest quarter
Sales growth
up 22%
latest quarter · -1 pts
ROE
—
return on equity
Free cash margin
—
D/E
—
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Piotroski tests
- not yet profitable on its assets
- took on more long-term debt
- issued more shares
- generating cash from operations
- profitability improving
- profits backed by cash
- short-term liquidity improved
- gross margin widened
- assets working harder
Repair signals
- FCF turned positive ($-32M → $66M)
- Gross margin 64.5% → 81.2%
Trade setup
ATR%
5.7%
$1.16 a day · 2×ATR $18.23
RS
96 / 99
vs the universe
Trend
8 / 8
trend template
Relative volume
1.8×
vs 50-day average
Up/down volume
1.11
50 sessions
Implied move
—
no scheduled report
Trend template · 8 of 8
Screen verdict
Did not qualify for any screen.
Warning signs
- Liabilities exceed assets Shareholders' equity is negative at -$24.6M as of Dec 31, 2025. What is left for shareholders after creditors is, on the balance sheet, less than nothing.
- Bankruptcy model reads distressed The Altman score sits inside the range historically associated with financial distress. It is used here only to exclude, never to rank, and it is a statistical band rather than a prediction about this company.
- Shareholders diluted The share count rose 3.6% over the year, from 120m to 124m shares. Each existing share owns a smaller fraction of the company than it did a year ago.
Last reported
Oct 28, 2026
Results reaction
Oct 28, 2026+18% vs market2 sessions after results
Financials
- Gross 81%
- Net -1%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $72.3M | $192.4M | $275.9M | $287.5M | $313.3M | $418.9M |
| Gross margin | 76% | 69% | 61% | 70% | 64% | 81% |
| Operating income | -$42.2M | -$83.4M | -$177.0M | -$190.4M | -$64.6M | $36.6M |
| Net income | -$54.0M | -$106.6M | -$156.6M | -$133.9M | -$32.8M | -$3.4M |
| Net margin | -75% | -55% | -57% | -47% | -10% | -1% |
| Earnings per share | -$1.49 | -$1.14 | -$1.61 | -$1.39 | -$0.33 | -$0.03 |
| Cash | $196.0M | $315.7M | $215.1M | $258.4M | $167.6M | $44.7M |
| Long-term debt | $43.2M | $414.6M | $425.3M | $435.5M | $403.8M | $385.1M |
| Shareholders' equity | $107.3M | $217.0M | $79.4M | -$35.7M | -$43.2M | -$24.6M |
| Shares outstanding | 81.67m | 97.96m | 98.46m | 97.10m | 119.80m | 124.10m |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Oct 28, 2026 | Quarterly ↗ | Sep 30, 2026 | 28d |
| Jul 29, 2026 | Quarterly ↗ | Jun 30, 2026 | 29d |
| Apr 28, 2026 | Quarterly ↗ | Mar 31, 2026 | 28d |
| Feb 20, 2026 | Annual ↗ | Dec 31, 2025 | 51d |
| Nov 6, 2025 | Quarterly ↗ | Sep 30, 2025 | 37d |
| Aug 5, 2025 | Quarterly ↗ | Jun 30, 2025 | 36d |
| May 8, 2025 | Quarterly ↗ | Mar 31, 2025 | 38d |
| Feb 25, 2025 | Annual ↗ | Dec 31, 2024 | 56d |
| Nov 7, 2024 | Quarterly ↗ | Sep 30, 2024 | 38d |
| Aug 6, 2024 | Quarterly ↗ | Jun 30, 2024 | 37d |
| May 8, 2024 | Quarterly ↗ | Mar 31, 2024 | 38d |
| Mar 15, 2024 | Annual ↗ | Dec 31, 2023 | 75d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 30, 2026 | Material agreement ↗ |
| Oct 28, 2026 | Results · Regulation FD ↗ |
| Oct 13, 2026 | Material agreement · Unregistered share sale · Regulation FD ↗ |
| Jul 29, 2026 | Results · Regulation FD ↗ |
| Jun 15, 2026 | Shareholder vote ↗ |
| Jun 11, 2026 | Material agreement · Unregistered share sale · Regulation FD ↗ |
| Apr 28, 2026 | Results · Regulation FD ↗ |
| Feb 11, 2026 | Results · Regulation FD ↗ |
| Nov 5, 2025 | Results · Regulation FD ↗ |
| Aug 5, 2025 | Results · Regulation FD ↗ |
| Jun 16, 2025 | Shareholder vote ↗ |
| May 28, 2025 | Material agreement · New obligation · Unregistered share sale · Regulation FD · Other events ↗ |