Porch Group, Inc. (PRCH) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: Porch Group, Inc.

Market cap $2B · 52 weeks $6 – $21 (0 % below the high) · P/E 285× · 2027 expected P/E 72.0× · Dividend none · Next earnings February 10, 2027 · expected EPS $0.01 · Closing price, Oct 29 · accounts published Oct 28.

• Valuation: P/B 314.4× (expensive).
• Business: 5-year op. margin −31.8 % (weak).
• Balance sheet: Debt/Equity 53.60 (fragile).
• Earnings: 7 of 8 (on track).

What would it be worth at its usual multiples?

At a P/B justified by its ROE del −104,7 % (0.9×) $0 (-100 %); at its peers' median (2.1×) $0 (-99 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in insurance: 0 of 4 pass

• Op Margin 5y (Combined Ratio proxy) −31.8 %, fails.
• Book Value / Share growth −30.4 %, fails.
• Debt / Equity 53.60, fails.
• P/B (Price / Book) 314.4×, fails.
• Dividend growth streak n/a: it pays no dividend, info.

Against its peers (reference peers) — Porch Group, Inc.: P/E 285×; P/B —; ROE -104.7 %; $2.4B. Frontdoor, Inc. (P/E 23.1×; P/B 21.5×; ROE 102.2 %; $6.0B), HCI Group, Inc. (P/E 8.4×; P/B 2.1×; ROE 30.8 %; $2.5B), Skyward Specialty Insurance Group, Inc. (P/E 13.7×; P/B 1.9×; ROE 16.8 %; $2.6B).

Expensive or cheap against its last ten fiscal years?

Precio / valor contable at each close: today 314× · median 5.4× · minimum 0.4× · maximum 314× · cheap below 1.8× · expensive above 14.9×. It has been cheaper than today 100% of the time over its last ten fiscal years.