Porch Group Inc Financials
Porch Group Inc (PRCH) reported $513.6M in revenue over the twelve months to Jun 30, 2026, up 16.1% from the prior twelve months. This page shows its 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).
Gross-margin expansion converts Porch from operating losses to positive cash flow, but interest expense still blocks net profitability.
Gross margin rose from46.1% in FY2024 to70.5% in FY2025, a structural change in revenue economics rather than a mere scale effect. Operating cash flow reached$66.4M and free cash flow$66.0M , closely matching and indicating that the operating improvement translated into cash without heavy capital spending.
Operating profit was
Total liabilities were
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Porch Group Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Porch Group Inc passes 7 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
Porch Group Inc reported a net loss of $3.4M while generating $66.4M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Porch Group Inc earns $0.70 in operating income for every $1 of interest expense ($36.6M vs $52.3M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Porch Group Inc generated $482.4M in revenue in fiscal year 2025. This represents an increase of 10.2% from the prior year.
Porch Group Inc's EBITDA was $61.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 256.3% from the prior year.
Porch Group Inc reported -$3.4M in net income in fiscal year 2025. This represents an increase of 89.8% from the prior year.
Porch Group Inc earned -$0.03 per diluted share (EPS) in fiscal year 2025. This represents an increase of 90.9% from the prior year.
Cash & Balance Sheet
Porch Group Inc generated $66.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 304.8% from the prior year.
Porch Group Inc held $44.7M in cash against $385.1M in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Porch Group Inc's gross margin was 70.5% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 24.4 percentage points from the prior year.
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 6.8 percentage points from the prior year.
Not reported for fiscal year 2025.
Capital Allocation
Porch Group Inc repurchased no shares in fiscal year 2025.
Porch Group Inc invested $454K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 13.2% from the prior year.
Not reported for fiscal year 2025.
PRCH Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $140.9M+16.3% | $121.1M-9.3% | $133.5M+13.1% | $118.1M-6.3% | $126.1M+20.4% | $104.7M+4.4% | $100.4M-9.7% | $111.2M |
| Cost of Revenue | $53.3M+76.1% | $30.3M+6.0% | $28.6M-8.2% | $31.1M-28.3% | $43.4M+10.5% | $39.3M+180.2% | $14.0M-71.7% | $49.5M |
| Gross Profit | $87.6M-3.6% | $90.8M-13.4% | $104.9M+20.7% | $86.9M+5.2% | $82.7M+26.3% | $65.4M-24.2% | $86.3M+39.9% | $61.7M |
| SG&A Expenses | $35.7M+37.6% | $25.9M+11.5% | $23.3M-14.0% | $27.1M-12.4% | $30.9M+28.7% | $24.0M+7.7% | $22.3M-8.3% | $24.3M |
| Operating Income | -$4.1M-134.8% | $11.8M-28.2% | $16.5M+0.7% | $16.3M+223.5% | $5.0M+498.8% | -$1.3M-105.0% | $25.1M+1101.6% | -$2.5M |
| Interest Expense | $14.9M+0.1% | $14.9M+2.6% | $14.5M+1.1% | $14.3M+17.7% | $12.2M+7.5% | $11.3M+5.6% | $10.7M-2.8% | $11.0M |
| Income Tax | $585K-67.6% | $1.8M-75.2% | $7.3M+68.4% | $4.3M+497.6% | -$1.1M-220.4% | $903K-37.0% | $1.4M+883.6% | -$183K |
| Net Income | $5.6M+218.9% | -$4.7M-35.5% | -$3.5M+68.0% | -$10.9M-521.0% | $2.6M-69.3% | $8.4M-72.5% | $30.5M+111.9% | $14.4M |
| EPS (Diluted) | $0.05+225.0% | -$0.04-33.3% | -$0.03+70.0% | -$0.10 | $0.00-100.0% | $0.07-77.4% | $0.31+158.3% | $0.12 |
Not reported in any period shown, so not listed: R&D Expenses.
PRCH Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $819.0M+1.5% | $806.6M+1.1% | $797.4M+1.2% | $787.7M+2.2% | $770.7M-3.9% | $802.3M-1.4% | $814.0M-6.1% | $867.3M |
| Current Assets | $93.5M-7.9% | $101.5M+15.0% | $88.2M-24.2% | $116.3M+2.2% | $113.8M+2.1% | $111.4M-69.5% | $365.1M-10.3% | $406.9M |
| Cash & Equivalents | $195.6M+204.7% | $64.2M+43.7% | $44.7M-39.2% | $73.4M-3.5% | $76.1M+15.5% | $65.9M-60.7% | $167.6M-18.9% | $206.7M |
| Accounts Receivable | N/A | $12.1M+7.0% | $11.3M-14.5% | $13.2M+8.1% | $12.2M-0.1% | $12.2M-35.9% | $19.1M-10.4% | $21.3M |
| 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 | $799.6M+2.5% | $780.3M+0.7% | $775.0M-0.3% | $777.3M+0.6% | $772.9M-7.4% | $834.3M-2.7% | $857.2M-9.2% | $944.3M |
| Current Liabilities | $64.6M-18.6% | $79.3M+17.1% | $67.8M-22.2% | $87.1M+31.6% | $66.2M-9.4% | $73.1M-82.4% | $414.2M-15.7% | $491.5M |
| Long-Term Debt | $397.5M+1.6% | $391.3M+1.6% | $385.1M+1.5% | $379.4M-3.7% | $394.1M-3.7% | $409.2M+1.3% | $403.8M+1.2% | $398.9M |
| Total Equity | -$11.8M+53.4% | -$25.4M-3.2% | -$24.6M+11.8% | -$27.9M+4.7% | -$29.3M+44.1% | -$52.4M-21.3% | -$43.2M+43.9% | -$77.0M |
| Retained Earnings | -$649.9M+0.9% | -$655.5M-1.1% | -$648.3M-0.5% | -$644.8M-1.7% | -$633.9M+0.4% | -$636.5M+15.7% | -$754.9M+3.9% | -$785.4M |
Not reported in any period shown, so not listed: Inventory.
PRCH Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $41.3M+216.9% | $13.0M+984.3% | $1.2M-97.1% | $40.8M+14.8% | $35.6M+418.2% | -$11.2M+58.0% | -$26.6M-314.1% | $12.4M |
| Capital Expenditures | $372K+111.4% | $176K+91.3% | $92K+1.1% | $91K-55.8% | $206K+216.9% | $65K-66.1% | $192K-21.6% | $245K |
| Free Cash Flow | $40.9M+218.3% | $12.8M+1058.3% | $1.1M-97.3% | $40.7M+15.2% | $35.4M+414.5% | -$11.2M+58.0% | -$26.8M-320.0% | $12.2M |
| Investing Cash Flow | -$25.3M-6393.6% | -$390K+98.3% | -$22.5M+6.8% | -$24.1M-309.1% | -$5.9M+69.5% | -$19.4M-371.0% | $7.1M+111.7% | -$61.0M |
| Financing Cash Flow | $306K+112.8% | -$2.4M-0.5% | -$2.4M+79.8% | -$11.8M-51.4% | -$7.8M-3298.3% | -$229K+48.2% | -$442K+97.8% | -$20.1M |
| Share Buybacks | $0-100.0% | $2.5M | N/A | N/A | $0 | $0 | $0 | $0 |
Not reported in any period shown, so not listed: Dividends Paid.
PRCH Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.2%-12.8pp | 75.0%-3.6pp | 78.6%+5.0pp | 73.6%+8.1pp | 65.6%+3.1pp | 62.5%-23.5pp | 86.0%+30.5pp | 55.5% |
| Operating Margin | -2.9%-12.7pp | 9.8%-2.6pp | 12.3%-1.5pp | 13.8%+9.8pp | 4.0%+5.2pp | -1.2%-26.2pp | 25.0%+27.2pp | -2.3% |
| Net Margin | 4.0%+7.9pp | -3.9%-1.3pp | -2.6%+6.6pp | -9.2%-11.2pp | 2.1%-6.0pp | 8.0%-22.3pp | 30.4%+17.4pp | 12.9% |
| Return on Assets | 0.7%+1.3pp | -0.6%-0.1pp | -0.4%+0.9pp | -1.4%-1.7pp | 0.3%-0.7pp | 1.1%-2.7pp | 3.7%+2.1pp | 1.7% |
| Current Ratio | 1.45+0.2x | 1.280.0x | 1.300.0x | 1.33-0.4x | 1.72+0.2x | 1.52+0.6x | 0.88+0.1x | 0.83 |
| FCF Margin | 29.0%+18.4pp | 10.6%+9.8pp | 0.8%-33.7pp | 34.5%+6.4pp | 28.1%+38.8pp | -10.7%+16.0pp | -26.7%-37.6pp | 10.9% |
Not reported in any period shown, so not listed: Return on Equity, Debt-to-Equity.
Note: Shareholder equity is negative (-$24.6M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.
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Where Porch Group Inc Ranks
Frequently Asked Questions
What is Porch Group Inc's annual revenue?
Porch Group Inc (PRCH) reported $482.4M in total revenue for fiscal year 2025. This represents a 10.2% 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 grew by 10.2% year-over-year, from $437.8M to $482.4M in fiscal year 2025.
Is Porch Group Inc profitable?
No, Porch Group Inc (PRCH) reported a net income of -$3.4M in fiscal year 2025, with a net profit margin of -0.7%.
What is Porch Group Inc's EBITDA?
Porch Group Inc (PRCH) had EBITDA of $61.0M 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 $44.7M in cash and equivalents against $385.1M 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 free cash flow?
Porch Group Inc (PRCH) generated $66.0M in free cash flow during fiscal year 2025. This represents a 304.8% 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 $66.4M 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 $797.4M 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 $454K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
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 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.
Why is Porch Group Inc's debt-to-equity ratio negative or not reported?
Porch Group Inc (PRCH) has negative shareholder equity of -$24.6M as of fiscal year 2025, so no debt-to-equity ratio is reported: dividing debt by equity that is not positive produces a number that cannot be read as leverage. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.
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 to 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) reported a net loss of $3.4M while generating $66.4M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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 0.70x, 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 41 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.