Porch Group, Inc. (PRCH) Financial Ratios
8 years of historical data (2018–2025) · Technology · Software - Application
EV/EBITDA
31.10
↑+38% vs avg
5yr avg: 22.49
30Y Low22.5·High22.5
P/FCF
↑
27.64
↑+81% vs avg
5yr avg: 15.30
30Y Low12.4·High18.2
P/B Ratio
↑
60.91
↑+256% vs avg
5yr avg: 17.11
30Y Low2.3·High42.3
ROE
↑
68.4%
↓+138% vs avg
5yr avg: -179.1%
30Y Low-228%·High68%
Debt/EBITDA
6.87
+0% vs avg
5yr avg: 6.87
30Y Low6.9·High6.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PRCH Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Porch Group, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 27.6x P/FCF, 81% above the 5-year average of 15.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.4B | $947M | $490M | $296M | $183M | $1.5B | $1.2B | — | — |
| Enterprise Value | $1.8B | $1.3B | $726M | $473M | $412M | $1.6B | $1.0B | — | — |
| P/E Ratio → | -405.86 | — | — | — | — | — | — | — | — |
| P/S Ratio | 2.98 | 1.96 | 1.12 | 0.69 | 0.66 | 7.61 | 16.08 | — | — |
| P/B Ratio | 60.91 | 42.29 | — | — | 2.31 | 6.74 | 10.83 | — | — |
| P/FCF | 27.64 | 18.18 | — | 12.41 | — | — | — | — | — |
| P/OCF | 21.66 | 14.25 | — | 8.72 | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
PRCH EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Porch Group, Inc.'s enterprise value stands at 31.1x EBITDA, 38% above its 5-year average of 22.5x. The Technology sector median is 16.6x, placing the stock at a 88% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.67 | 1.66 | 1.10 | 1.49 | 8.13 | 14.03 | — | — |
| EV / EBITDA | 31.10 | 22.49 | — | — | — | — | — | — | — |
| EV / EBIT | 48.63 | 16.43 | 61.42 | — | — | — | — | — | — |
| EV / FCF | — | 24.71 | — | 19.85 | — | — | — | — | — |
PRCH Profitability
Margins and return-on-capital ratios measuring operating efficiency
Porch Group, Inc. earns an operating margin of 7.6%. Operating margins have expanded from -44.2% to 7.6% over the past 3 years, signaling improving operational efficiency. Return on equity of 68.4% is exceptionally high. ROIC of 9.9% represents adequate returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.5% | 70.5% | 48.5% | 48.8% | 61.0% | 69.5% | 75.7% | 72.3% | 71.7% |
| Operating Margin | 7.6% | 7.6% | -14.7% | -44.2% | -64.2% | -43.3% | -58.4% | -113.6% | -91.0% |
| Net Profit Margin | 3.2% | 3.2% | -7.5% | -31.1% | -56.7% | -55.4% | -74.7% | -133.2% | -92.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| ROE | 68.4% | 68.4% | — | -613.4% | -105.6% | -65.7% | -228.2% | — | — |
| ROA | 1.9% | 1.9% | -3.8% | -13.7% | -15.0% | -16.3% | -34.1% | -196.7% | -88.2% |
| ROIC | 9.9% | 9.9% | -28.9% | -63.4% | -42.3% | -45.0% | — | -649.0% | -157.8% |
| ROCE | 6.5% | 6.5% | -15.4% | -39.2% | -29.3% | -18.3% | -37.1% | — | — |
PRCH Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Porch Group, Inc. carries a Debt/EBITDA ratio of 6.9x, which is highly leveraged (135% above the sector average of 2.9x). Net debt stands at $340M ($393M total debt minus $53M cash). Interest coverage of just 1.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 17.55 | 17.55 | — | — | 5.60 | 1.92 | 0.45 | — | — |
| Debt / EBITDA | 6.87 | 6.87 | — | — | — | — | — | — | — |
| Net Debt / Equity | — | 15.17 | — | — | 2.89 | 0.47 | -1.38 | — | — |
| Net Debt / EBITDA | 5.94 | 5.94 | — | — | — | — | — | — | — |
| Debt / FCF | — | 6.52 | — | 7.44 | — | — | — | — | — |
| Interest Coverage | 1.52 | 1.52 | 0.28 | -3.19 | -16.85 | -19.30 | -2.78 | -13.47 | — |
PRCH Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.30x means Porch Group, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 1.04x to 1.30x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.30 | 1.30 | 0.88 | 1.04 | 1.18 | 1.67 | 6.80 | 0.18 | 0.13 |
| Quick Ratio | 1.30 | 1.30 | 0.88 | 1.04 | 1.18 | 1.67 | 6.80 | 0.18 | 0.13 |
| Cash Ratio | 0.97 | 0.97 | 0.46 | 0.64 | 0.49 | 0.89 | 6.18 | 0.07 | 0.06 |
| Asset Turnover | — | 0.60 | 0.54 | 0.48 | 0.26 | 0.19 | 0.27 | 1.60 | 0.96 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 8.55 | 92.87 | 91.50 | 429.22 | 487.82 | 21.55 | 22.16 | 16.52 |
PRCH Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Porch Group, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | 2.6% | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | — |
| FCF Yield | 3.6% | 5.5% | — | 8.1% | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 1.9% | 1.0% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 1.9% | 1.0% | 0.0% | 2.6% | — | — |
| Shares Outstanding | — | $104M | $100M | $96M | $97M | $94M | $81M | $22M | $19M |
Peer Comparison
Compare PRCH with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PRCHYou | $1B | -405.9 | 31.1 | 27.6 | 70.5% | 7.6% | 68.4% | 9.9% | 6.9 |
 HIFS | $645M | 11.9 | 28.7 | 18.2 | 43.6% | 30.7% | 12.0% | 2.8% | 20.0 |
 LMND | $4B | -24.9 | — | — | 40.3% | -21.8% | -29.4% | -36.8% | — |
 ROOT | $744M | 23.7 | 4.9 | 3.9 | 25.5% | 2.7% | 11.3% | — | 3.8 |
 KINS | $254M | 6.1 | 4.6 | 3.5 | 57.7% | 25.6% | 43.0% | 46.6% | 0.1 |
 ANGI | $212M | 5.6 | 3.2 | 4.7 | 90.8% | 7.6% | 4.4% | 5.0% | 4.0 |
 FTHM | $40M | -1.6 | — | — | 8.1% | -3.2% | -49.5% | -17.9% | — |
 OPEN | $3B | -2.5 | — | 3.2 | 7.0% | -6.2% | -151.3% | -15.8% | — |
 HOUS | $2B | -15.3 | 18.8 | 76.1 | 34.7% | 1.1% | -7.9% | 1.0% | 11.7 |
 EXPI | $753M | -33.8 | — | 6.9 | 7.0% | -0.4% | -10.1% | -15.3% | — |
 ICE | $74B | 22.5 | 14.4 | 17.1 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
| Technology Median | — | 28.6 | 16.6 | 19.1 | 49.1% | -0.2% | 1.8% | 2.6% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 8 years · Updated daily
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PRCH — Frequently Asked Questions
Quick answers to the most common questions about buying PRCH stock.
What is Porch Group, Inc.'s P/E ratio?
Porch Group, Inc.'s current P/E ratio is -405.9x. This places it at the 50th percentile of its historical range.
What is Porch Group, Inc.'s EV/EBITDA?
Porch Group, Inc.'s current EV/EBITDA is 31.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 22.5x.
What is Porch Group, Inc.'s ROE?
Porch Group, Inc.'s return on equity (ROE) is 68.4%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is -82.8%.
Is PRCH stock overvalued?
Based on historical data, Porch Group, Inc. is trading at a P/E of -405.9x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Porch Group, Inc.'s profit margins?
Porch Group, Inc. has 70.5% gross margin and 7.6% operating margin.
How much debt does Porch Group, Inc. have?
Porch Group, Inc.'s Debt/EBITDA ratio is 6.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.