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Porch Group, Inc.

PRCH Financial Insurance Property & Casualty

Porch Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $482.4 million, up 10.2% from fiscal 2024.

Revenue
+13.0%
EPS
+179.4%
Free cash flow
+50.0%
Total debt
+4.42%

Quarter to September 2026, against a year earlier

19.89 0.42 −2.07%
Market cap
$2.3B
P/E
344×
Fwd P/E
294×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 31.57
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 2 — — — 23 19 1 1 1 2 9 3
Insider Ownership 20.46%

Capital & Financial Ratios $m

Size
Market Cap 2,320.00
Revenue ttm 530.17
Net income ttm 1.12
Free cash flow ttm 98.61
Net debt Q 311.89
Valuation
P/E 343.94 (above 35: high)
Forward P/E 294.00 (above 35: high)
Price / sales 4.37
Forward P/S Powerpack
Price / FCF 24.29
Price / book 78.18
Financial health
Current ratio Q 1.46
Debt / equity Q 13.63
Interest coverage Q 1.20
Growth
Revenue growth Q +13.02% (above 0%: growing)
Operating income growth Q +10.74% (above 0%: growing)
EPS, this year +516.67% (at or above 15%: strong)
EPS, next year A +269.00% (at or above 15%: strong)
Revenue, next year A +10.67% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +42.52% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 80.26%
10-year low 10-year high
P/B against its own 10 years 86.95%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 333 221 66 92
Receivables 24 19 11 13
Inventory — — — —
Other 84 99 5 7
481 365 88 118
2023 2024 2025 Q'26
Payables 9 5 4 3
ST’ Debt 0 0 8 12
Other 145 120 13 10
462 414 68 81

Compound Annual Growth %

10y 5y 3y
Sales — 46.17% 20.47%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value (18.25%) (26.91%) (34.42%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate −0.01 Actual 0.10

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 −0.08 −0.03 Beat by 0.05
Q1 FY26 −0.10 −0.04 Beat by 0.06
Q2 FY26 −0.04 0.05 Beat by 0.09
Q3 FY26 −0.01 0.10 Beat by 0.11
Q4 FY26 −0.05 — Reports 10 February 2027

EPS $

Mar Jun Sep Dec Year
’26 (0.04) 0.05 0.07 — —
’25 0.07 0.00 (0.10) (0.03) (0.03)
’24 (0.14) (0.65) 0.12 0.31 (0.33)
’23 (0.41) (0.91) (0.06) (0.03) (1.39)
’22 (0.10) (0.27) (0.88) (0.36) (1.61)
’21 (0.76) (0.17) (0.05) (0.25) (1.16)
’20 (0.53) (0.18) (0.25) (0.53) (1.90)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 121 141 144 — —
’25 105 126 127 124 482
’24 115 111 111 100 438
’23 87 99 130 115 430
’22 64 71 77 64 276
’21 27 51 63 52 192
’20 15 17 22 19 72
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 13 41 60 — —
’25 (11) 36 41 1 66
’24 8 (26) 12 (27) (32)
’23 (22) 13 84 (41) 34
’22 (15) 11 (6) (7) (18)
’21 (23) (8) (11) 7 (35)
’20 (10) 0 (7) (32) (49)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 9 36 55 — —
’25 (15) 32 37 (2) 52
’24 6 (29) 9 (30) (44)
’23 (25) 11 81 (43) 24
’22 (18) 9 (9) (10) (28)
’22 — — — — (18)
’21 (24) (9) (12) 5 (39)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — 78 72 192 276 430 438 482 530 +35.6% 534 687 744 +15.6%
Gross margin, % — — — 72.29 75.71 69.48 61.02 46.69 46.12 70.48 72.06 (1.8) pt
EBT — — — (103) (56) (117) (156) (133) (31) 27 10 n/m
EBT margin, % — — — (133.03) (77.07) (60.74) (56.43) (30.98) (7.01) 5.54 1.85 +138.6 pt
Net income — 0 — (103) (54) (107) (157) (134) (33) 15 1 n/m
Per share, $
Per share, $ Revenue — — — 2.49 1.99 2.05 2.83 4.48 4.40 4.65 4.67 +11.0%
Earnings — — — (3.31) (1.90) (1.16) (1.61) (1.39) (0.33) (0.03) 0.06 (54.3%)
Cash flow — — — (0.94) (1.34) (0.37) (0.18) 0.35 (0.32) 0.64 1.01 n/m
Capex — — — (0.15) (0.08) (0.05) (0.11) (0.11) (0.13) (0.14) (0.14) (1.0%)
Free cash flow — — — (1.09) (1.42) (0.42) (0.29) 0.25 (0.45) 0.50 0.87 n/m
Book value — — — (1.92) 2.95 2.31 0.82 (0.37) (0.43) 0.22 0.26 n/m
Shares, m — — — 31 36 94 97 96 100 104 109 +22.2%
Valuation, ×
Valuation, × P/E — — — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 343.94 0.0
P/S — — — 0.00 7.17 7.61 0.66 0.68 1.12 1.96 4.37 2.7
P/B — — — 0.00 4.83 6.74 2.29 0.00 0.00 42.29 78.18 8.0
EV/Sales — — — 0.00 4.97 8.03 1.30 0.92 1.54 2.64 — 2.8
EV/FCF — — — 0.00 (6.63) (36.28) (11.46) 19.06 (14.14) 26.03 — (3.3)
Cash, $m
Cash, $m Operating cash flow — — — (29) (49) (35) (18) 34 (32) 66 115 n/m
Capex — — — (5) (3) (5) (10) (10) (13) (14) (16) +21.0%
Free cash flow — — — (34) (52) (39) (28) 24 (44) 52 99 n/m
Balance, $m
Balance, $m Working capital — — — (47) 184 242 95 19 (49) 20 37 n/m
Net debt — — — 57 (159) 81 177 103 183 327 312 +33.8%
Shareholders’ equity — — — (60) 107 217 79 (36) (43) 22 30 n/m
Returns, %
Returns, % ROA — — — (92.88) (45.01) (16.31) (15.00) (13.75) (3.83) (0.42) 1.16 +92.5 pt
ROIC — — — 0.00 0.00 (17.47) (43.23) (176.95) (28.86) 6.54 7.73 +6.5 pt
ROE — — — 375.83 (301.27) (65.73) (105.64) (613.39) 83.21 32.26 47.80 (343.6) pt
People
People Employees — — — — 1,000 1,700 1,800 895 733 803 — (4.3%)
Revenue/emp, $m — — — 0.00 0.07 0.11 0.15 0.48 0.60 0.60 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Porch Group, Inc. vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PLMR Palomar Holdings, Inc. $4.1B 20.2× 17.7× +54.65% (above 0%: growing) +14.94% (above 0%: growing) +38.21% (above 0%: growing) 23.77% 23.77% Compare
LMND Lemonade, Inc. $3.2B — (loss-making) — (loss-making) +72.80% (above 0%: growing) n/m −26.92% (below 0%: shrinking) 44.24% (12.85%) Compare
SLDE Slide Insurance Holdings, Inc. $3.1B 5.4× 6.9× +35.89% (above 0%: growing) +33.02% (above 0%: growing) −301.53% (below 0%: shrinking) 59.14% 45.24% Compare
SKWD Skyward Specialty Insurance Group, Inc. $2.8B 14.4× 13.6× +53.03% (above 0%: growing) +14.58% (above 0%: growing) −23.60% (below 0%: shrinking) 43.47% 14.78% Compare
HCI HCI Group, Inc. $2.4B 7.5× 9.1× +13.20% (above 0%: growing) +32.08% (above 0%: growing) +187.69% (above 0%: growing) 60.37% 48.08% Compare
PRCH Porch Group, Inc. $2.3B 344× 294× +13.02% (above 0%: growing) n/m +50.01% (above 0%: growing) 74.98% 12.57%
HMN Horace Mann Educators Corporation $2.2B 12.1× 11.2× +0.16% (above 0%: growing) +0.73% (above 0%: growing) +70.37% (above 0%: growing) 50.05% 18.72% Compare
KMPR Kemper Corporation $2.1B — (loss-making) — (loss-making) −10.84% (below 0%: shrinking) n/m −76.71% (below 0%: shrinking) 0.17% (41.92%) Compare
SAFT Safety Insurance Group, Inc. $1.5B 22.4× — (loss-making) +2.95% (above 0%: growing) +21.03% (above 0%: growing) +16.88% (above 0%: growing) 14.33% 13.69% Compare
Median of peers $2.6B 13.3× 11.2× +24.55% +17.99% −3.36% 43.86% 16.75%

All 46 Insurance Property & Casualty stocks →

Pay and ownership Proxy statement filed 17 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 14.55m 36.79m 64.00
2024 12.76m 22.39m 34.00
2023 4.27m 9.05m 22.00
2022 13.58m (5.05m) 13.00
2021 1.27m 12.65m 109.00

Ownership

Directors and executive officers, together 27.78%
Matt Ehrlichman 24.11%
Granahan Investment Management, LLC404 Wyman Street, Suite 10.95%
The Vanguard Group100 Vanguard BoulevardMalvern, PA 6.49%
BlackRock, Inc.50 Hudson YardsNew York, NY 5.98%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

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PRCH metrics, ten years each

stockrow.com/PRCH · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com