Porch Group Inc Financials
This page shows Porch Group Inc (PRCH) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Porch Group Inc has an operating margin of 7.6%, meaning the company retains $8 of operating profit per $100 of revenue. This results in a moderate score of 38/100, indicating healthy but not exceptional operating efficiency. This is up from -14.8% the prior year.
Porch Group Inc's revenue declined 99.9% year-over-year, from $437.8M to $482K. This contraction results in a growth score of 0/100.
Porch Group Inc has elevated debt relative to equity (D/E of 15.64), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Porch Group Inc's current ratio of 1.30 indicates adequate short-term liquidity, earning a score of 32/100. The company can meet its near-term obligations, though with limited headroom.
Porch Group Inc converts 13.7% of revenue into free cash flow ($66K). This strong cash generation earns a score of 68/100.
Porch Group Inc's ROE of 13.7% shows moderate profitability relative to equity, earning a score of 55/100.
Porch Group Inc scores 667.57, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($859.8M) relative to total liabilities ($775K). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Porch Group Inc passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Porch Group Inc generates $19.76 in operating cash flow ($66K OCF vs $3K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Porch Group Inc earns $0.7 in operating income for every $1 of interest expense ($37K vs $52K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Porch Group Inc generated $482K in revenue in fiscal year 2025. This represents a decrease of 99.9% from the prior year.
Porch Group Inc's EBITDA was $61K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 100.2% from the prior year.
Porch Group Inc generated $66K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 100.2% from the prior year.
Porch Group Inc reported $3K in net income in fiscal year 2025. This represents an increase of 100.0% from the prior year.
Porch Group Inc earned $0.03 per diluted share (EPS) in fiscal year 2025. This represents an increase of 109.1% from the prior year.
Porch Group Inc held $45K in cash against $385K in long-term debt as of fiscal year 2025.
Porch Group Inc had 124M shares outstanding in fiscal year 2025. This represents an increase of 3.9% from the prior year.
Porch Group Inc's gross margin was 70.5% in fiscal year 2025, indicating the percentage of revenue retained after direct costs.
Porch Group Inc's operating margin was 7.6% in fiscal year 2025, reflecting core business profitability. This is up 22.3 percentage points from the prior year.
Porch Group Inc's net profit margin was 0.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 8.2 percentage points from the prior year.
Porch Group Inc's ROE was 13.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
Porch Group Inc spent $6K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Porch Group Inc invested $454 in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 99.9% from the prior year.
PRCH Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $118.1M-1.0% | $119.3M+13.9% | $104.7M+4.4% | $100.4M-9.7% | $111.2M+0.3% | $110.8M-4.0% | $115.4M+0.7% | $114.6M |
| Cost of Revenue | $31.1M-28.3% | $43.4M+10.5% | $39.3M+953.0% | $3.7M-92.5% | $49.5M-47.4% | $94.0M+20.0% | $78.4M+126.0% | $34.7M |
| Gross Profit | $86.9M+14.6% | $75.9M+15.9% | $65.4M | N/A | $61.7M+267.4% | $16.8M-54.7% | $37.1M | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $27.1M-12.4% | $30.9M+28.7% | $24.0M-5.7% | $25.4M+4.7% | $24.3M+5.0% | $23.2M-9.2% | $25.5M-0.7% | $25.7M |
| Operating Income | $16.3M+223.5% | $5.0M+498.8% | -$1.3M-105.0% | $25.1M+1101.6% | -$2.5M+95.2% | -$52.5M-51.4% | -$34.7M-569.8% | $7.4M |
| Interest Expense | $14.3M+17.7% | $12.2M+7.5% | $11.3M+11.8% | $10.1M-8.1% | $11.0M+4.2% | $10.6M-1.9% | $10.8M+1.8% | $10.6M |
| Income Tax | $4.3M+497.6% | -$1.1M-220.4% | $903K-37.0% | $1.4M+883.6% | -$183K-126.6% | $688K+286.5% | $178K-69.7% | $588K |
| Net Income | -$10.9M-521.0% | $2.6M-69.3% | $8.4M-72.5% | $30.5M+111.9% | $14.4M+122.4% | -$64.3M-381.4% | -$13.4M-437.5% | -$2.5M |
| EPS (Diluted) | $-0.10 | $0.00-100.0% | $0.07-79.4% | $0.34+183.3% | $0.12+118.5% | $-0.65-364.3% | $-0.14-1300.0% | $-0.01 |
PRCH Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $787.7M+2.2% | $770.7M-3.9% | $802.3M-1.4% | $814.0M-6.1% | $867.3M-1.0% | $876.1M-0.6% | $881.1M-2.0% | $899.4M |
| Current Assets | $116.3M+2.2% | $113.8M+2.1% | $111.4M-69.5% | $365.1M-10.3% | $406.9M-15.3% | $480.1M-0.1% | $480.4M-0.1% | $481.1M |
| Cash & Equivalents | $73.4M-3.5% | $76.1M+15.5% | $65.9M-60.7% | $167.6M-18.9% | $206.7M-24.6% | $274.2M-1.7% | $279.1M+8.0% | $258.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $13.2M+8.1% | $12.2M-0.1% | $12.2M-35.9% | $19.1M-10.4% | $21.3M-0.6% | $21.4M+3.1% | $20.8M-14.4% | $24.3M |
| Goodwill | $191.9M0.0% | $191.9M0.0% | $191.9M0.0% | $191.9M0.0% | $191.9M0.0% | $191.9M0.0% | $191.9M0.0% | $191.9M |
| Total Liabilities | $777.3M+0.6% | $772.9M-7.4% | $834.3M-2.7% | $857.2M-9.2% | $944.3M-3.4% | $978.0M+5.7% | $925.0M-1.1% | $935.1M |
| Current Liabilities | $87.1M+31.6% | $66.2M-9.4% | $73.1M-82.4% | $414.2M-15.7% | $491.5M+0.9% | $486.9M+9.7% | $444.0M-3.9% | $462.2M |
| Long-Term Debt | $379.4M-3.7% | $394.1M-3.7% | $409.2M+1.3% | $403.8M+1.2% | $398.9M-8.6% | $436.6M+1.1% | $432.1M-0.8% | $435.5M |
| Total Equity | -$27.9M+4.7% | -$29.3M+44.1% | -$52.4M-21.3% | -$43.2M+43.9% | -$77.0M+24.4% | -$101.9M-132.4% | -$43.9M-22.9% | -$35.7M |
| Retained Earnings | -$644.8M-1.7% | -$633.9M+0.4% | -$636.5M+15.7% | -$754.9M+3.9% | -$785.4M+1.8% | -$799.7M-8.7% | -$735.4M-1.9% | -$722.1M |
PRCH Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $40.8M+14.8% | $35.6M+418.2% | -$11.2M+58.0% | -$26.6M-314.1% | $12.4M+147.8% | -$26.0M-406.8% | $8.5M+120.7% | -$41.0M |
| Capital Expenditures | $91K-55.8% | $206K+216.9% | $65K-66.1% | $192K-21.6% | $245K+444.4% | $45K+9.8% | $41K-45.3% | $75K |
| Free Cash Flow | $40.7M+15.2% | $35.4M+414.5% | -$11.2M+58.0% | -$26.8M-320.0% | $12.2M+146.8% | -$26.0M-408.8% | $8.4M+120.5% | -$41.0M |
| Investing Cash Flow | -$24.1M-309.1% | -$5.9M+69.5% | -$19.4M-371.0% | $7.1M+111.7% | -$61.0M-1450.3% | -$3.9M-131.0% | $12.7M+157.6% | -$22.1M |
| Financing Cash Flow | -$11.8M-51.4% | -$7.8M-3298.3% | -$229K+48.2% | -$442K+97.8% | -$20.1M-3122.2% | -$625K+75.0% | -$2.5M-71.0% | -$1.5M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | $0 | $0 | $0 | $0 | $0 |
PRCH Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.6%+10.0pp | 63.6%+1.1pp | 62.5% | N/A | 55.5%+40.4pp | 15.2%-17.0pp | 32.1% | N/A |
| Operating Margin | 13.8%+9.6pp | 4.2%+5.4pp | -1.2%-26.2pp | 25.0%+27.2pp | -2.3%+45.1pp | -47.3%-17.3pp | -30.0%-36.5pp | 6.4% |
| Net Margin | -9.2%-11.3pp | 2.2%-5.9pp | 8.0%-22.3pp | 30.4%+17.4pp | 12.9%+71.0pp | -58.0%-46.5pp | -11.6%-9.4pp | -2.2% |
| Return on Equity | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | -1.4%-1.7pp | 0.3%-0.7pp | 1.1%-2.7pp | 3.7%+2.1pp | 1.7%+9.0pp | -7.3%-5.8pp | -1.5%-1.2pp | -0.3% |
| Current Ratio | 1.33-0.4 | 1.72+0.2 | 1.52+0.6 | 0.88+0.1 | 0.83-0.2 | 0.99-0.1 | 1.08+0.0 | 1.04 |
| Debt-to-Equity | -13.59-0.1 | -13.46-5.6 | -7.81+1.5 | -9.34-4.2 | -5.18-0.9 | -4.28+5.6 | -9.85+2.4 | -12.20 |
| FCF Margin | 34.5%+4.9pp | 29.6%+40.4pp | -10.7%+16.0pp | -26.7%-37.6pp | 10.9%+34.4pp | -23.5%-30.8pp | 7.3%+43.1pp | -35.8% |
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Frequently Asked Questions
What is Porch Group Inc's annual revenue?
Porch Group Inc (PRCH) reported $482K in total revenue for fiscal year 2025. This represents a -99.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Porch Group Inc's revenue growing?
Porch Group Inc (PRCH) revenue declined by 99.9% year-over-year, from $437.8M to $482K in fiscal year 2025.
Is Porch Group Inc profitable?
Yes, Porch Group Inc (PRCH) reported a net income of $3K in fiscal year 2025, with a net profit margin of 0.7%.
What is Porch Group Inc's earnings per share (EPS)?
Porch Group Inc (PRCH) reported diluted earnings per share of $0.03 for fiscal year 2025. This represents a 109.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Porch Group Inc's EBITDA?
Porch Group Inc (PRCH) had EBITDA of $61K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Porch Group Inc have?
As of fiscal year 2025, Porch Group Inc (PRCH) had $45K in cash and equivalents against $385K in long-term debt.
What is Porch Group Inc's gross margin?
Porch Group Inc (PRCH) had a gross margin of 70.5% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Porch Group Inc's operating margin?
Porch Group Inc (PRCH) had an operating margin of 7.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Porch Group Inc's net profit margin?
Porch Group Inc (PRCH) had a net profit margin of 0.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Porch Group Inc's return on equity (ROE)?
Porch Group Inc (PRCH) has a return on equity of 13.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Porch Group Inc's free cash flow?
Porch Group Inc (PRCH) generated $66K in free cash flow during fiscal year 2025. This represents a 100.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Porch Group Inc's operating cash flow?
Porch Group Inc (PRCH) generated $66K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Porch Group Inc's total assets?
Porch Group Inc (PRCH) had $797K in total assets as of fiscal year 2025, including both current and long-term assets.
What are Porch Group Inc's capital expenditures?
Porch Group Inc (PRCH) invested $454 in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Porch Group Inc buy back shares?
Yes, Porch Group Inc (PRCH) spent $6K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Porch Group Inc have outstanding?
Porch Group Inc (PRCH) had 124M shares outstanding as of fiscal year 2025.
What is Porch Group Inc's current ratio?
Porch Group Inc (PRCH) had a current ratio of 1.30 as of fiscal year 2025, which is considered adequate.
What is Porch Group Inc's debt-to-equity ratio?
Porch Group Inc (PRCH) had a debt-to-equity ratio of 15.64 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Porch Group Inc's return on assets (ROA)?
Porch Group Inc (PRCH) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Porch Group Inc's Altman Z-Score?
Porch Group Inc (PRCH) has an Altman Z-Score of 667.57, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Porch Group Inc's Piotroski F-Score?
Porch Group Inc (PRCH) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Porch Group Inc's earnings high quality?
Porch Group Inc (PRCH) has an earnings quality ratio of 19.76x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Porch Group Inc cover its interest payments?
Porch Group Inc (PRCH) has an interest coverage ratio of 0.7x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Porch Group Inc?
Porch Group Inc (PRCH) scores 32 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.