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 90.9% 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.

Porch Group Inc Financials

PRCH

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

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).

Rhea AI PRCH FY2025 2026-04-28

Porch's FY2025 turnaround came from a margin and cash-conversion reset, while interest burden still keeps earnings near break-even.

Revenue added only $44.6M from FY2024 to FY2025, yet gross margin widened by 24.4% points. At the same time, operating cash flow swung by nearly $98.1M, a sign that the improvement came more from mix and cost structure than from simple top-line expansion.

With capital spending of just $454K, almost all of FY2025's $66.4M in operating cash flow remained free cash flow. That makes the business look capital-light at its current scale: once cash comes in, little has to be reinvested just to keep operating.

The operating turnaround has not yet repaired the capital structure: $36.6M of operating income still sat below $52.3M of interest expense. So FY2025's small net loss says less about current operations than about a balance sheet that still absorbs much of the improvement before it reaches shareholders.

Financial Health Signals

Financial Health Score 40/100

Scored as: Insurers peer group

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.

Loss Ratio

Premium Growth

Capital

Investment Yield

Combined Ratio

Stability

Piotroski F-Score Strong

7/9

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.

Earnings Quality Mixed

-19.76x

For every $1 of reported earnings, Porch Group Inc generates $-19.76 in operating cash flow ($66.4M OCF vs -$3.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Interest Coverage At Risk

0.7x

Porch Group Inc earns $0.7 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

Export CSV

Earnings & Revenue

Revenue

$482.4M

YoY+10.2%

5Y CAGR+46.2%

Porch Group Inc generated $482.4M in revenue in fiscal year 2025. This represents an increase of 10.2% from the prior year.

EBITDA

$61.0M

YoY+256.3%

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.

Net Income

-$3.4M

YoY+89.8%

Porch Group Inc reported -$3.4M in net income in fiscal year 2025. This represents an increase of 89.8% from the prior year.

EPS (Diluted)

$-0.03

YoY+90.9%

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

Free Cash Flow

$66.0M

YoY+304.8%

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.

Cash & Debt

$44.7M

YoY-73.4%

5Y CAGR-25.6%

Porch Group Inc held $44.7M in cash against $385.1M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

124M

YoY+3.6%

5Y CAGR+8.7%

Porch Group Inc had 124M shares outstanding in fiscal year 2025. This represents an increase of 3.6% from the prior year.

Margins & Returns

Gross Margin

70.5%

YoY+24.4pp

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.

Operating Margin

7.6%

YoY+22.3pp

5Y CAGR+66.0pp

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.

Net Margin

-0.7%

YoY+6.8pp

5Y CAGR+74.0pp

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.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

Porch Group Inc spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$454K

YoY-13.2%

5Y CAGR+10.2%

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.

PRCH Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$482.4M+10.2%	$437.8M+1.8%	$430.3M+55.9%	$275.9M+43.4%	$192.4M+166.2%	$72.3M
Cost of Revenue	$142.4M-39.6%	$235.9M+2.8%	$229.4M+113.2%	$107.6M+83.2%	$58.7M+234.4%	$17.6M
Gross Profit	$340.0M+68.4%	$201.9M+0.5%	$200.9M	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$105.2M+10.4%	$95.2M-5.8%	$101.1M-8.0%	$109.8M+29.6%	$84.7M+200.5%	$28.2M
Operating Income	$36.6M+156.6%	-$64.6M+66.1%	-$190.4M-7.5%	-$177.0M-112.4%	-$83.4M-97.4%	-$42.2M
Interest Expense	$52.3M+21.3%	$43.1M+35.5%	$31.8M+264.9%	$8.7M+51.5%	$5.8M-60.9%	$14.7M
Income Tax	$11.4M+439.3%	$2.1M+240.4%	$622K-26.1%	$842K+108.2%	-$10.3M-508.2%	-$1.7M
Net Income	-$3.4M+89.8%	-$32.8M+75.5%	-$133.9M+14.5%	-$156.6M-46.9%	-$106.6M-97.3%	-$54.0M
EPS (Diluted)	$-0.03+90.9%	$-0.33+76.3%	$-1.39+13.7%	$-1.61-41.2%	$-1.14+43.8%	$-2.03

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$121.1M-13.7%	$140.3M+18.8%	$118.1M-1.0%	$119.3M+13.9%	$104.7M+4.4%	$100.4M-9.7%	$111.2M+0.3%	$110.8M
Cost of Revenue	$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-47.4%	$94.0M
Gross Profit	$90.8M-18.7%	$111.7M+28.5%	$86.9M+14.6%	$75.9M+15.9%	$65.4M-24.2%	$86.3M+39.9%	$61.7M+267.4%	$16.8M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$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+5.0%	$23.2M
Operating Income	$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+95.2%	-$52.5M
Interest Expense	$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+4.2%	$10.6M
Income Tax	$1.8M-75.2%	$7.3M+68.4%	$4.3M+497.6%	-$1.1M-220.4%	$903K-37.0%	$1.4M+883.6%	-$183K-126.6%	$688K
Net Income	-$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+122.4%	-$64.3M
EPS (Diluted)	$-0.04	N/A	$-0.10	$0.00-100.0%	$0.07	N/A	$0.12+118.5%	$-0.65

PRCH Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$797.4M-2.0%	$814.0M-9.5%	$899.4M-14.3%	$1.0B+1.0%	$1.0B+287.0%	$268.4M
Current Assets	$88.2M-75.8%	$365.1M-24.1%	$481.1M-21.2%	$610.6M+0.9%	$605.1M+180.4%	$215.8M
Cash & Equivalents	$44.7M-73.4%	$167.6M-35.1%	$258.4M+20.2%	$215.1M-31.9%	$315.7M+61.1%	$196.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$11.3M-40.8%	$19.1M-21.3%	$24.3M-8.1%	$26.4M-8.1%	$28.8M+574.0%	$4.3M
Goodwill	$191.9M0.0%	$191.9M0.0%	$191.9M-21.6%	$244.7M+8.4%	$225.7M+697.7%	$28.3M
Total Liabilities	$775.0M-9.6%	$857.2M-8.3%	$935.1M-3.6%	$969.7M+18.0%	$821.7M+410.2%	$161.1M
Current Liabilities	$67.8M-83.6%	$414.2M-10.4%	$462.2M-10.4%	$515.6M+42.0%	$363.1M+1044.6%	$31.7M
Long-Term Debt	$385.1M-4.6%	$403.8M-7.3%	$435.5M+2.4%	$425.3M+2.6%	$414.6M+858.9%	$43.2M
Total Equity	-$24.6M+43.0%	-$43.2M-21.1%	-$35.7M-145.0%	$79.4M-63.4%	$217.0M+102.2%	$107.3M
Retained Earnings	-$648.3M+14.1%	-$754.9M-4.5%	-$722.1M-23.4%	-$585.0M-37.9%	-$424.1M-33.6%	-$317.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$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-1.0%	$876.1M
Current Assets	$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-15.3%	$480.1M
Cash & Equivalents	$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-24.6%	$274.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$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-0.6%	$21.4M
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	$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-3.4%	$978.0M
Current Liabilities	$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+0.9%	$486.9M
Long-Term Debt	$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-8.6%	$436.6M
Total Equity	-$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+24.4%	-$101.9M
Retained Earnings	-$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+1.8%	-$799.7M

PRCH Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$66.4M+309.6%	-$31.7M-193.4%	$33.9M+291.3%	-$17.7M+49.0%	-$34.8M+28.5%	-$48.7M
Capital Expenditures	$454K-13.2%	$523K-38.5%	$851K-63.8%	$2.4M+141.8%	$972K+248.4%	$279K
Free Cash Flow	$66.0M+304.8%	-$32.2M-197.4%	$33.1M+264.7%	-$20.1M+43.8%	-$35.7M+27.0%	-$48.9M
Investing Cash Flow	-$71.9M-59.6%	-$45.1M+19.9%	-$56.3M+29.4%	-$79.7M+69.8%	-$263.4M-2368.7%	-$10.7M
Financing Cash Flow	-$22.2M+6.5%	-$23.7M-126.1%	$91.0M+7312.5%	$1.2M-99.7%	$415.5M+60.1%	$259.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	$30.0M
Share Buybacks	$0	$0-100.0%	$5.6M+209.3%	$1.8M	$0-100.0%	$42K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$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+147.8%	-$26.0M
Capital Expenditures	$176K+91.3%	$92K+1.1%	$91K-55.8%	$206K+216.9%	$65K-66.1%	$192K-21.6%	$245K+444.4%	$45K
Free Cash Flow	$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+146.8%	-$26.0M
Investing Cash Flow	-$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-1450.3%	-$3.9M
Financing Cash Flow	-$2.4M-0.5%	-$2.4M+79.8%	-$11.8M-51.4%	-$7.8M-3298.3%	-$229K+48.2%	-$442K+97.8%	-$20.1M-3122.2%	-$625K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$2.5M	N/A	N/A	N/A	$0	$0	$0	$0

PRCH Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	70.5%+24.4pp	46.1%-0.6pp	46.7%	N/A	N/A	N/A
Operating Margin	7.6%+22.3pp	-14.8%+29.5pp	-44.2%+19.9pp	-64.2%-20.8pp	-43.3%+15.1pp	-58.4%
Net Margin	-0.7%+6.8pp	-7.5%+23.6pp	-31.1%+25.6pp	-56.7%-1.3pp	-55.4%+19.3pp	-74.7%
Return on Equity	N/A	N/A	N/A	-197.3%-148.2pp	-49.1%+1.2pp	-50.3%
Return on Assets	-0.4%+3.6pp	-4.0%+10.9pp	-14.9%+0.0pp	-14.9%-4.7pp	-10.3%+9.9pp	-20.1%
Current Ratio	1.30+0.4	0.88-0.2	1.04-0.1	1.18-0.5	1.67-5.1	6.80
Debt-to-Equity	-15.64-6.3	-9.34+2.9	-12.20-17.6	5.36+3.4	1.91+1.5	0.40
FCF Margin	13.7%+21.0pp	-7.4%-15.0pp	7.7%+15.0pp	-7.3%+11.3pp	-18.6%+49.1pp	-67.7%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	75.0%-4.6pp	79.6%+6.0pp	73.6%+10.0pp	63.6%+1.1pp	62.5%-23.5pp	86.0%+30.5pp	55.5%+40.4pp	15.2%
Operating Margin	9.8%-2.0pp	11.7%-2.1pp	13.8%+9.6pp	4.2%+5.4pp	-1.2%-26.2pp	25.0%+27.2pp	-2.3%+45.1pp	-47.3%
Net Margin	-3.9%-1.4pp	-2.5%+6.7pp	-9.2%-11.3pp	2.2%-5.9pp	8.0%-22.3pp	30.4%+17.4pp	12.9%+71.0pp	-58.0%
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	-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%+9.0pp	-7.3%
Current Ratio	1.28-0.0	1.30-0.0	1.33-0.4	1.72+0.2	1.52+0.6	0.88+0.1	0.83-0.2	0.99
Debt-to-Equity	-15.40+0.2	-15.64-2.1	-13.59-0.1	-13.46-5.6	-7.81+1.5	-9.34-4.2	-5.18-0.9	-4.28
FCF Margin	10.6%+9.8pp	0.8%-33.7pp	34.5%+4.9pp	29.6%+40.4pp	-10.7%+16.0pp	-26.7%-37.6pp	10.9%+34.4pp	-23.5%

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.

Similar Companies

$1.3B

$690.5M

$1.7B

$1.8B

$2.3B

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.

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.

Why is Porch Group Inc's debt-to-equity ratio negative or unusual?

Porch Group Inc (PRCH) has negative shareholder equity of -$24.6M as of fiscal year 2025, which causes the debt-to-equity ratio to appear negative or not meaningful. 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) has an earnings quality ratio of -19.76x, considered mixed 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 40 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.