Porch Group Inc. Common Stock (PRCH)

FairStock Score: 29/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Porch as a financial-services company, not an industrial, so I set aside free cash flow, EV/EBITDA and Graham Number. What I see is a small insurance-and-software operation with improving top line but no durable record of profit. Filed figures show revenue rising from $107.0M in fiscal Q2 2025, quarter ended 2025-06-30, to $131.8M in fiscal Q2 2026, quarter ended 2026-06-30. Net income went from $2.6M to $5.6M, with diluted EPS of $0.00 to $0.05. For FY2025, revenue was $418.9M and net loss was $3.4M, after a $32.8M loss in FY2024 and a $133.9M loss in FY2023. So losses are shrinking, but the Lynch category is none because there were losses in each of the last four years. FairStock's calculations at the 2026-10-13 close of $17.22 show a negative P/E of -132.46, ROE of -103.32%, ROCE of 3.18%, D/E of 20.92, Piotroski 6/9, and FairStock score 29/100. P/B is not available. The price is near the top of its 52-week range of $6.36-$18.37, and beta is 3.15. FairStock reports revenue growth of 11.74% and profit growth of 117.25%, but these come off a small or negative earnings base. A moat is hard to identify: 799 employees, insurance underwriting risk, software/data services, and no consistent book-value or combined-ratio evidence. Key bank/insurer measures-CET1, net interest margin, combined ratio-are not in the data. This is a speculative turnaround, not a proven bargain.

In plain English: Porch Group sells software and insurance services tied to homeownership. Revenue has grown and losses have shrunk, with the latest filed quarter showing a small profit, but the company has lost money over the past four years. At $17.22, the stock looks expensive compared with those weak earnings and it trades near the top of its yearly range.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer