PRCH
Porch Group, Inc.
Software - Application
Market Cap$1.23B
5Y Perf.+12.1%
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Stock Comparison
PRCH vs ROOT vs LMND vs OPEN
Revenue, margins, valuation, and 5-year total return — side by side.
ROOT
Root, Inc.
Insurance - Property & Casualty
Market Cap$798M
5Y Perf.-86.8%
LMND
Lemonade, Inc.
Insurance - Property & Casualty
Market Cap$4.18B
5Y Perf.+8.2%
OPEN
Opendoor Technologies Inc.
Real Estate - Services
Market Cap$4.08B
5Y Perf.-67.6%
PRCH vs ROOT vs LMND vs OPEN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PRCH | ROOT | LMND | OPEN |
|---|---|---|---|---|
| Industry | Software - Application | Insurance - Property & Casualty | Insurance - Property & Casualty | Real Estate - Services |
| Market Cap | $1.23B | $798M | $4.18B | $4.08B |
| Revenue (TTM) | $483M | $1.56B | $821M | $3.94B |
| Net Income (TTM) | $-9M | $56M | $-139M | $-1.39B |
| Gross Margin | 72.4% | 17.9% | 47.6% | 7.9% |
| Operating Margin | 10.3% | 4.1% | -16.3% | -9.9% |
| Forward P/E | — | 29.0x | — | — |
| Total Debt | $393M | $201M | $182M | $193M |
| Cash & Equiv. | $53M | $690M | $385M | $962M |
PRCH vs ROOT vs LMND vs OPEN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PRCH
ROOT
LMND
OPEN
| Stock | Oct 20 | May 26 | Return |
|---|---|---|---|
| Porch Group, Inc. (PRCH) | 100 | 112.1 | +12.1% |
| Root, Inc. (ROOT) | 100 | 13.2 | -86.8% |
| Lemonade, Inc. (LMND) | 100 | 108.2 | +8.2% |
| Opendoor Technologi… (OPEN) | 100 | 32.4 | -67.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PRCH vs ROOT vs LMND vs OPEN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ROOT leads in 3 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Porch Group, Inc. is the stronger pick specifically for capital preservation and lower volatility. LMND and OPEN also each lead in at least one category. This set spans 3 sectors — these stocks serve different portfolio roles, not just different price points.
PRCH
Porch Group, Inc.
The Income Pick
PRCH is the #2 pick in this set and the best alternative if income & stability and long-term compounding is your priority.
- Dividend streak 1 yrs, beta 2.22
- 13.9% 10Y total return vs LMND's -21.6%
- Beta 2.22 vs OPEN's 3.09
Best for: income & stability and long-term compounding
ROOT
Root, Inc.
The Insurance Pick
ROOT carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 29.0%, EPS growth 22.4%, 3Y rev CAGR 69.6%
- Lower volatility, beta 2.30, Low D/E 50.8%, current ratio 2.62x
- Beta 2.30, current ratio 2.62x
- Better valuation composite
Best for: growth exposure and sleep-well-at-night
LMND
Lemonade, Inc.
The Insurance Pick
LMND is the clearest fit if your priority is growth.
- 40.2% revenue growth vs OPEN's -15.2%
Best for: growth
OPEN
Opendoor Technologies Inc.
The Real Estate Income Play
OPEN is the clearest fit if your priority is momentum.
- +5.1% vs ROOT's -59.3%
Best for: momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LMND | 40.2% revenue growth vs OPEN's -15.2% |
| Value | ROOT | Better valuation composite |
| Quality / Margins | ROOT | 3.6% margin vs OPEN's -35.2% |
| Stability / Safety | PRCH | Beta 2.22 vs OPEN's 3.09 |
| Dividends | Tie | None of these 4 stocks pay a meaningful dividend |
| Momentum (1Y) | OPEN | +5.1% vs ROOT's -59.3% |
| Efficiency (ROA) | ROOT | 3.7% ROA vs OPEN's -53.6% |
PRCH vs ROOT vs LMND vs OPEN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
FY 2025
Segment breakdown not available.
PRCH vs ROOT vs LMND vs OPEN — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPRCHLAGGINGOPEN
Who Leads Where
PRCH leads in 2 of 6 categories
ROOT leads 1 • LMND leads 0 • OPEN leads 0 • 2 tied
Explore the data ↓OPENOpendoor Technologies…
0leads
LMNDLemonade, Inc.
0leads
ROOTRoot, Inc.
1leads
PRCHPorch Group, Inc.
2leads
6 Total Categories
CATEGORYLEADERvs ROOTvs LMNDMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
ROOT3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
PRCH5/6
Risk & VolatilityBeta, volatility, and downside exposure
PRCH2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
Evenly matched — PRCH and ROOT each lead in 2 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
OPEN is the larger business by revenue, generating $3.9B annually — 8.2x PRCH's $483M. ROOT is the more profitable business, keeping 3.6% of every revenue dollar as net income compared to OPEN's -35.2%. On growth, LMND holds the edge at +55.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PRCHPorch Group, Inc. | ROOTRoot, Inc. | LMNDLemonade, Inc. | OPENOpendoor Technolo… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $483M | $1.6B | $821M | $3.9B |
| EBITDAEarnings before interest/tax | $72M | $73M | -$121M | -$363M |
| Net IncomeAfter-tax profit | -$9M | $56M | -$139M | -$1.4B |
| Free Cash FlowCash after capex | $72M | $181M | $20M | $1.1B |
| Gross MarginGross profit ÷ Revenue | +72.4% | +17.9% | +47.6% | +7.9% |
| Operating MarginEBIT ÷ Revenue | +10.3% | +4.1% | -16.3% | -9.9% |
| Net MarginNet income ÷ Revenue | -1.8% | +3.6% | -16.9% | -35.2% |
| FCF MarginFCF ÷ Revenue | +15.0% | +11.6% | +2.4% | +27.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +15.6% | +12.6% | +55.0% | -37.6% |
| EPS Growth (YoY)Latest quarter vs prior year | -157.1% | +95.3% | +45.3% | -50.0% |
Evenly matched — PRCH and ROOT each lead in 2 of 6 comparable metrics.
Valuation Metrics
ROOT leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, ROOT's 5.9x EV/EBITDA is more attractive than PRCH's 27.5x.
| Metric | PRCHPorch Group, Inc. | ROOTRoot, Inc. | LMNDLemonade, Inc. | OPENOpendoor Technolo… |
|---|---|---|---|---|
| Market CapShares × price | $1.2B | $798M | $4.2B | $4.1B |
| Enterprise ValueMkt cap + debt − cash | $1.6B | $309M | $4.0B | $3.3B |
| Trailing P/EPrice ÷ TTM EPS | -348.15x | 25.41x | -23.67x | -3.13x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 29.04x | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — |
| EV / EBITDAEnterprise value multiple | 27.52x | 5.88x | — | — |
| Price / SalesMarket cap ÷ Revenue | 2.56x | 0.53x | 5.67x | 0.93x |
| Price / BookPrice ÷ Book value/share | 52.25x | 2.47x | 7.33x | 4.06x |
| Price / FCFMarket cap ÷ FCF | 23.71x | 4.15x | — | 3.93x |
ROOT leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
Evenly matched — PRCH and ROOT each lead in 3 of 9 comparable metrics.
Profitability & Efficiency
ROOT delivers a 15.4% return on equity — every $100 of shareholder capital generates $15 in annual profit, vs $-163 for OPEN. OPEN carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to PRCH's 17.55x. On the Piotroski fundamental quality scale (0–9), PRCH scores 8/9 vs LMND's 4/9, reflecting strong financial health.
| Metric | PRCHPorch Group, Inc. | ROOTRoot, Inc. | LMNDLemonade, Inc. | OPENOpendoor Technolo… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | -60.9% | +15.4% | -26.5% | -163.2% |
| ROA (TTM)Return on assets | -1.1% | +3.7% | -7.4% | -53.6% |
| ROICReturn on invested capital | +9.9% | — | -36.8% | -15.8% |
| ROCEReturn on capital employed | +6.5% | +3.8% | -22.7% | -11.7% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 6 | 4 | 5 |
| Debt / EquityFinancial leverage | 17.55x | 0.51x | 0.34x | 0.19x |
| Net DebtTotal debt minus cash | $340M | -$489M | -$203M | -$769M |
| Cash & Equiv.Liquid assets | $53M | $690M | $385M | $962M |
| Total DebtShort + long-term debt | $393M | $201M | $182M | $193M |
| Interest CoverageEBIT ÷ Interest expense | 1.35x | 1.86x | — | -8.92x |
Evenly matched — PRCH and ROOT each lead in 3 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PRCH leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PRCH five years ago would be worth $8,931 today (with dividends reinvested), compared to $2,845 for OPEN. Over the past 12 months, OPEN leads with a +510.1% total return vs ROOT's -59.3%. The 3-year compound annual growth rate (CAGR) favors PRCH at 133.5% vs OPEN's 37.4% — a key indicator of consistent wealth creation.
| Metric | PRCHPorch Group, Inc. | ROOTRoot, Inc. | LMNDLemonade, Inc. | OPENOpendoor Technolo… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | +22.3% | -19.7% | -28.3% | -12.4% |
| 1-Year ReturnPast 12 months | +5.9% | -59.3% | +78.2% | +510.1% |
| 3-Year ReturnCumulative with dividends | +1173.1% | +927.3% | +234.7% | +159.5% |
| 5-Year ReturnCumulative with dividends | -10.7% | -69.6% | -31.2% | -71.6% |
| 10-Year ReturnCumulative with dividends | +13.9% | -88.3% | -21.6% | -50.8% |
| CAGR (3Y)Annualised 3-year return | +133.5% | +117.4% | +49.6% | +37.4% |
PRCH leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
PRCH leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PRCH is the less volatile stock with a 2.22 beta — it tends to amplify market swings less than OPEN's 3.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PRCH currently trades 58.0% from its 52-week high vs ROOT's 34.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PRCHPorch Group, Inc. | ROOTRoot, Inc. | LMNDLemonade, Inc. | OPENOpendoor Technolo… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.22x | 2.30x | 2.75x | 3.09x |
| 52-Week HighHighest price in past year | $19.44 | $162.99 | $99.90 | $10.87 |
| 52-Week LowLowest price in past year | $6.36 | $40.91 | $28.71 | $0.51 |
| % of 52W HighCurrent price vs 52-week peak | +58.0% | +34.9% | +54.5% | +48.9% |
| RSI (14)Momentum oscillator 0–100 | 75.0 | 56.6 | 36.3 | 56.2 |
| Avg Volume (50D)Average daily shares traded | 1.6M | 330K | 1.9M | 36.3M |
PRCH leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Analyst consensus: PRCH as "Buy", ROOT as "Hold", LMND as "Buy", OPEN as "Hold". Consensus price targets imply 77.3% upside for PRCH (target: $20) vs 22.2% for OPEN (target: $7).
| Metric | PRCHPorch Group, Inc. | ROOTRoot, Inc. | LMNDLemonade, Inc. | OPENOpendoor Technolo… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold | Buy | Hold |
| Price TargetConsensus 12-month target | $20.00 | $75.00 | $72.67 | $6.50 |
| # AnalystsCovering analysts | 13 | 14 | 15 | 26 |
| Dividend YieldAnnual dividend ÷ price | — | — | — | — |
| Dividend StreakConsecutive years of raises | 1 | — | — | — |
| Dividend / ShareAnnual DPS | — | — | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
PRCH leads in 2 of 6 categories (Total Returns, Risk & Volatility). ROOT leads in 1 (Valuation Metrics). 2 tied.
Best OverallPorch Group, Inc. (PRCH)Leads 2 of 6 categories
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PRCH vs ROOT vs LMND vs OPEN: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is PRCH or ROOT or LMND or OPEN a better buy right now?
For growth investors, Lemonade, Inc.
(LMND) is the stronger pick with 40. 2% revenue growth year-over-year, versus -15. 2% for Opendoor Technologies Inc. (OPEN). Root, Inc. (ROOT) offers the better valuation at 25. 4x trailing P/E (29. 0x forward), making it the more compelling value choice. Analysts rate Porch Group, Inc. (PRCH) a "Buy" — based on 13 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — PRCH or ROOT or LMND or OPEN?
Over the past 5 years, Porch Group, Inc.
(PRCH) delivered a total return of -10. 7%, compared to -71. 6% for Opendoor Technologies Inc. (OPEN). Over 10 years, the gap is even starker: PRCH returned +13. 9% versus ROOT's -88. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PRCH or ROOT or LMND or OPEN?
By beta (market sensitivity over 5 years), Porch Group, Inc.
(PRCH) is the lower-risk stock at 2. 22β versus Opendoor Technologies Inc. 's 3. 09β — meaning OPEN is approximately 39% more volatile than PRCH relative to the S&P 500. On balance sheet safety, Opendoor Technologies Inc. (OPEN) carries a lower debt/equity ratio of 19% versus 18% for Porch Group, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — PRCH or ROOT or LMND or OPEN?
By revenue growth (latest reported year), Lemonade, Inc.
(LMND) is pulling ahead at 40. 2% versus -15. 2% for Opendoor Technologies Inc. (OPEN). On earnings-per-share growth, the picture is similar: Porch Group, Inc. grew EPS 90. 2% year-over-year, compared to -203. 6% for Opendoor Technologies Inc.. Over a 3-year CAGR, ROOT leads at 69. 6% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — PRCH or ROOT or LMND or OPEN?
Porch Group, Inc.
(PRCH) is the more profitable company, earning 3. 2% net margin versus -29. 7% for Opendoor Technologies Inc. — meaning it keeps 3. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRCH leads at 7. 6% versus -21. 8% for LMND. At the gross margin level — before operating expenses — PRCH leads at 70. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is PRCH or ROOT or LMND or OPEN more undervalued right now?
Analyst consensus price targets imply the most upside for PRCH: 77.
3% to $20. 00.
07Which pays a better dividend — PRCH or ROOT or LMND or OPEN?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is PRCH or ROOT or LMND or OPEN better for a retirement portfolio?
For long-horizon retirement investors, Porch Group, Inc.
(PRCH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. Root, Inc. (ROOT) carries a higher beta of 2. 30 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (PRCH: +13. 9%, ROOT: -88. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between PRCH and ROOT and LMND and OPEN?
These companies operate in different sectors (PRCH (Technology) and ROOT (Financial Services) and LMND (Financial Services) and OPEN (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: PRCH is a small-cap quality compounder stock; ROOT is a small-cap high-growth stock; LMND is a small-cap high-growth stock; OPEN is a small-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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