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Porch Group (PRCH) Financials

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$11.20 +0.10 (+0.91%)
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Annual Income Statements for Porch Group

Annual Income Statements for Porch Group

This table shows Porch Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -103 -71 -107 -157 -134 -33 -3.36
Consolidated Net Income / (Loss)		 -103 -54 -107 -157 -134 -33 15
Net Income / (Loss) Continuing Operations		 -103 -54 -107 -157 -134 -33 15
Total Pre-Tax Income 		-103 -56 -117 -156 -133 -31 27
Total Operating Income		 -88 -42 -83 -177 -190 -65 37
Total Gross Profit		 56 55 133 168 201 202 340
Total Revenue		 78 72 192 276 430 438 482
Operating Revenue		 78 72 192 276 430 438 482
Total Cost of Revenue		 22 18 60 108 267 236 148
Operating Cost of Revenue		 22 18 59 108 229 236 142
Other Cost of Revenue		 - - 1.06 0.81 37 0.24 5.33
Total Operating Expenses		 144 97 216 345 354 266 298
Selling, General & Admin Expense		 52 28 85 110 101 95 105
Marketing Expense		 56 42 84 114 144 123 140
Research & Development Expense		 - - - - 51 48 53
Impairment Charge		 - 0.00 0.00 61 57 0.00 0.00
Total Other Income / (Expense), net		 -15 -13 -34 21 57 34 -9.84
Interest Expense		 7.62 8.99 0.65 8.72 -50 15 51
Interest & Investment Income		 0.00 0.00 0.70 1.17 8.29 14 12
Other Income / (Expense), net		 -7.48 -4.50 -34 29 -0.77 35 30
Income Tax Expense		 0.10 -1.69 -10 0.84 0.62 2.12 11
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - - 0.00 0.00 19
Basic Earnings per Share		 ($3.31) ($1.96) ($1.14) ($1.61) ($1.39) ($0.33) ($0.03)
Weighted Average Basic Shares Outstanding		 31.17M 36.34M 93.89M 97.35M 96.06M 99.59M 103.69M
Diluted Earnings per Share		 ($3.31) ($2.03) ($1.14) ($1.61) ($1.39) ($0.33) ($0.03)
Weighted Average Diluted Shares Outstanding		 31.17M 36.37M 93.89M 97.35M 96.06M 99.59M 103.69M
Weighted Average Basic & Diluted Shares Outstanding		 - 89.42M 98.14M 96.98M 97.60M 120.06M 124.46M

Quarterly Income Statements for Porch Group

This table shows Porch Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -5.74 -2.49 -13 -64 14 30 8.40 2.58 -11 -3.48 -4.71
Consolidated Net Income / (Loss)		 -5.74 -2.49 -13 -64 14 30 3.74 8.25 -0.98 4.32 1.94
Net Income / (Loss) Continuing Operations		 -5.74 -2.49 -13 -64 14 30 3.74 8.25 -0.98 4.32 1.94
Total Pre-Tax Income 		-5.63 -1.90 -13 -64 14 32 4.64 7.16 3.34 12 3.74
Total Operating Income		 0.20 7.38 -35 -52 -2.50 25 -1.27 5.05 16 16 12
Total Gross Profit		 83 85 37 17 62 88 65 76 87 112 91
Total Revenue		 130 115 115 111 111 100 105 119 118 140 121
Operating Revenue		 130 115 115 111 111 100 105 119 118 140 121
Total Cost of Revenue		 46 30 78 94 49 12 39 43 31 34 30
Operating Cost of Revenue		 53 35 78 94 49 11 39 43 31 29 30
Total Operating Expenses		 83 77 72 69 64 63 67 71 71 90 79
Selling, General & Admin Expense		 29 26 26 23 24 23 24 31 27 23 26
Marketing Expense		 40 37 34 33 27 28 30 27 30 53 40
Research & Development Expense		 - - 12 13 13 - 13 13 13 14 13
Total Other Income / (Expense), net		 -5.83 -9.28 21 -11 17 6.83 5.91 2.11 -13 -4.86 -8.07
Interest Expense		 10 11 5.90 10 -12 11 11 12 14 14 15
Interest & Investment Income		 2.49 3.79 3.64 3.53 3.79 2.74 2.81 2.67 2.99 3.21 3.40
Other Income / (Expense), net		 1.96 -2.47 24 -4.36 1.02 15 14 11 -2.38 6.24 3.13
Income Tax Expense		 0.12 0.59 0.18 0.69 -0.18 1.43 0.90 -1.09 4.32 7.28 1.81
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - 0.00 0.00 0.00 - -4.66 5.67 9.88 7.80 6.65
Basic Earnings per Share		 ($0.06) ($0.01) ($0.14) ($0.65) $0.14 $0.32 $0.08 $0.03 ($0.10) ($0.04) ($0.04)
Weighted Average Basic Shares Outstanding		 98.87M 96.06M 99.19M 99.19M 100.43M 99.59M 101.70M 103.16M 104.30M 103.69M 106.07M
Diluted Earnings per Share		 ($0.06) ($0.01) ($0.14) ($0.65) $0.12 $0.34 $0.07 $0.00 ($0.10) - ($0.04)
Weighted Average Diluted Shares Outstanding		 98.87M 96.06M 99.19M 99.19M 124.03M 99.59M 113.30M 131.68M 104.30M 103.69M 106.07M
Weighted Average Basic & Diluted Shares Outstanding		 98.87M 97.60M 99.19M 118.77M 119.54M 120.06M 121.54M 122.58M 123.68M 124.46M 127.72M

Annual Cash Flow Statements for Porch Group

This table details how cash moves in and out of Porch Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -0.06 200 117 -96 69 -100 -28
Net Cash From Operating Activities		 -29 -49 -35 -18 34 -32 66
Net Cash From Continuing Operating Activities		 -29 -49 -35 -18 34 -32 66
Net Income / (Loss) Continuing Operations		 -103 -54 -107 -157 -134 -33 15
Consolidated Net Income / (Loss)		 -103 -54 -107 -157 -134 -33 15
Depreciation Expense		 7.38 6.64 16 28 24 26 24
Non-Cash Adjustments To Reconcile Net Income		 53 15 49 109 48 -5.11 29
Changes in Operating Assets and Liabilities, net		 13 -16 6.38 2.07 95 -19 -2.20
Net Cash From Investing Activities		 -5.21 -11 -263 -80 -56 -45 -72
Net Cash From Continuing Investing Activities		 -5.21 -11 -263 -80 -56 -45 -72
Purchase of Property, Plant & Equipment		 -4.57 -2.88 -4.69 -10 -10 -13 -14
Acquisitions		 0.12 -7.79 -256 -39 -1.97 0.00 0.00
Purchase of Investments		 0.00 0.00 -24 -53 -91 -111 -148
Divestitures		 -0.75 - - 0.00 0.00 11 1.22
Sale and/or Maturity of Investments		 0.00 0.00 22 22 47 68 90
Net Cash From Financing Activities		 34 260 416 1.23 91 -24 -22
Net Cash From Continuing Financing Activities		 34 259 416 1.23 91 -24 -22
Repayment of Debt		 -0.20 -82 -43 -31 -20 -24 -73
Repurchase of Common Equity		 0.00 -0.04 0.00 -1.81 -5.61 0.00 0.00
Issuance of Debt		 31 66 414 15 117 0.00 51
Other Financing Activities, net		 0.11 299 45 19 0.32 0.00 0.00
Cash Interest Paid		 3.47 9.10 2.66 3.51 12 24 29
Cash Income Taxes Paid		 - 0.00 0.00 -0.67 -2.29 0.62 0.56

Quarterly Cash Flow Statements for Porch Group

This table details how cash moves in and out of Porch Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 57 -64 19 -31 -69 -20 -31 22 4.90 -24 10
Net Cash From Operating Activities		 84 -41 8.47 -26 12 -27 -11 36 41 1.20 13
Net Cash From Continuing Operating Activities		 84 -41 8.47 -26 12 -27 -11 36 41 1.20 13
Net Income / (Loss) Continuing Operations		 -5.74 -2.49 -13 -64 14 30 3.74 8.25 -0.98 4.32 1.94
Consolidated Net Income / (Loss)		 -5.74 -2.49 -13 -64 14 30 3.74 8.25 -0.98 4.32 1.94
Depreciation Expense		 6.27 5.91 6.32 6.20 6.05 6.95 5.99 5.43 5.87 7.19 5.08
Non-Cash Adjustments To Reconcile Net Income		 -27 -37 33 53 -37 -41 16 1.83 15 -3.27 20
Changes in Operating Assets and Liabilities, net		 110 -6.94 -18 -21 29 -23 -37 20 21 -7.03 -14
Net Cash From Investing Activities		 -26 -22 13 -3.93 -61 7.15 -19 -5.90 -24 -23 -0.39
Net Cash From Continuing Investing Activities		 -26 -22 13 -3.93 -61 7.15 -19 -5.90 -24 -23 -0.39
Purchase of Property, Plant & Equipment		 -2.29 -2.40 -2.36 -3.19 -3.38 -3.87 -3.35 -3.68 -3.85 -3.49 -3.73
Purchase of Investments		 -36 -31 4.71 - -79 -13 -41 -35 -29 -44 -30
Sale and/or Maturity of Investments		 12 12 10 18 21 24 25 32 7.07 25 33
Net Cash From Financing Activities		 -0.56 -1.46 -2.50 -0.63 -20 -0.44 -0.23 -7.78 -12 -2.38 -2.39
Net Cash From Continuing Financing Activities		 -0.56 -1.46 -2.50 -0.63 -20 -0.44 -0.23 -7.78 -12 -2.38 -2.39
Repayment of Debt		 -3.24 -1.46 -2.50 -0.63 -20 -0.44 -0.23 -59 -12 -2.38 0.12
Repurchase of Common Equity		 - - - - - - 0.00 - - - -2.51
Cash Interest Paid		 -0.12 10 0.97 11 0.46 11 0.01 12 0.09 17 0.04
Cash Income Taxes Paid		 -0.08 0.09 0.17 0.71 0.01 0.08 0.09 0.26 0.10 0.11 8.26

Annual Balance Sheets for Porch Group

This table presents Porch Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 48 268 1,039 1,049 899 814 797
Total Current Assets		 10 216 605 611 481 365 88
Cash & Equivalents		 4.18 196 316 215 258 168 45
Restricted Cash		 0.00 11 8.55 14 39 29 8.50
Short-Term Investments		 - 0.00 9.25 37 36 24 13
Accounts Receivable		 4.71 4.27 29 26 24 19 11
Prepaid Expenses		 1.29 4.08 14 11 13 8.39 10
Other Current Assets		 - 0.00 228 308 111 117 4.67
Plant, Property, & Equipment, net		 6.66 4.59 6.67 12 17 23 28
Total Noncurrent Assets		 32 48 427 426 401 623 518
Long-Term Investments		 - 0.00 58 55 104 355 225
Goodwill		 18 28 226 245 192 192 192
Intangible Assets		 9.83 16 130 108 87 69 30
Other Noncurrent Operating Assets		 3.53 0.38 5.69 5.85 19 6.99 71
Total Liabilities & Shareholders' Equity		 48 268 1,039 1,049 899 814 797
Total Liabilities		 108 161 822 970 935 857 775
Total Current Liabilities		 57 32 363 516 462 414 68
Short-Term Debt		 20 4.75 0.15 16 0.24 0.15 7.77
Accounts Payable		 4.81 9.20 6.97 6.27 8.76 4.54 18
Accrued Expenses		 17 9.91 38 40 59 41 39
Customer Deposits		 3.17 2.66 15 20 18 13 13
Current Deferred Revenue		 3.33 5.21 201 271 249 249 4.55
Total Noncurrent Liabilities		 51 129 459 454 473 443 693
Long-Term Debt		 41 43 415 425 435 404 385
Asset Retirement Reserve & Litigation Obligation		 - - - - - - 49
Noncurrent Deferred Revenue		 - 0.53 - - - - 220
Other Noncurrent Operating Liabilities		 10 86 44 29 37 39 39
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 -60 107 217 79 -36 -43 22
Total Preferred & Common Equity		 -60 107 217 79 -36 -43 -25
Total Common Equity		 -60 107 217 79 -36 -43 -25
Common Stock		 203 425 641 671 690 717 623
Retained Earnings		 -263 -318 -424 -585 -722 -755 -648
Accumulated Other Comprehensive Income / (Loss)		 - 0.00 -0.26 -6.17 -3.86 -5.45 0.64
Noncontrolling Interest		 - - - - - 0.00 47

Quarterly Balance Sheets for Porch Group

This table presents Porch Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,072 1,017 1,047 967 881 876 867 802 771 788 807
Total Current Assets		 646 576 658 562 480 480 407 111 114 116 101
Cash & Equivalents		 260 179 266 343 279 274 207 66 76 488 64
Restricted Cash		 16 15 39 19 37 11 9.95 17 8.41 9.16 8.06
Short-Term Investments		 7.21 34 26 29 31 34 32 4.51 3.75 15 4.22
Accounts Receivable		 37 24 25 27 21 21 21 12 12 20 12
Prepaid Expenses		 21 31 30 46 17 18 17 12 13 26 11
Other Current Assets		 304 293 272 98 96 121 120 94 46 36 5.33
Plant, Property, & Equipment, net		 11 14 15 16 18 19 21 24 26 28 30
Total Noncurrent Assets		 415 427 375 390 383 377 439 429 451 468 531
Long-Term Investments		 55 59 67 87 103 101 166 192 217 213 58
Goodwill		 228 247 192 192 192 192 192 192 192 192 192
Intangible Assets		 112 102 97 92 83 78 73 38 35 56 29
Other Noncurrent Operating Assets		 8.25 6.50 5.71 5.75 5.60 5.58 8.14 7.09 6.97 6.84 253
Total Liabilities & Shareholders' Equity		 1,072 1,017 1,047 967 881 876 867 802 771 788 807
Total Liabilities		 957 971 1,084 1,005 925 978 944 834 773 777 780
Total Current Liabilities		 504 517 604 522 444 487 492 73 66 87 79
Short-Term Debt		 6.28 10 5.44 1.65 0.15 0.15 0.15 0.00 0.00 7.76 7.78
Accounts Payable		 6.72 6.20 9.33 9.05 5.25 3.13 5.15 5.67 4.18 4.59 11
Accrued Expenses		 37 39 34 42 53 46 47 47 44 65 52
Customer Deposits		 20 21 20 19 16 14 13 13 13 13 12
Current Deferred Revenue		 278 247 257 265 216 223 252 8.01 4.26 4.54 4.16
Total Noncurrent Liabilities		 454 455 480 483 481 491 453 687 635 599 692
Long-Term Debt		 425 425 427 431 432 437 399 409 394 379 391
Asset Retirement Reserve & Litigation Obligation		 - - - - - - - - - - 47
Noncurrent Deferred Revenue		 - - - - - - - 215 193 204 215
Other Noncurrent Operating Liabilities		 29 29 53 52 49 54 54 63 48 16 38
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 115 45 -37 -37 -44 -102 -77 -32 -2.19 10 26
Total Preferred & Common Equity		 115 45 -37 -37 -44 -102 -77 -52 -29 -28 -25
Total Common Equity		 115 45 -37 -37 -44 -102 -77 -52 -29 -28 -25
Common Stock		 664 677 683 690 696 703 709 584 604 617 630
Retained Earnings		 -543 -627 -714 -720 -735 -800 -785 -637 -634 -645 -655
Accumulated Other Comprehensive Income / (Loss)		 -6.57 -5.30 -6.08 -7.64 -4.69 -4.90 -1.06 0.28 0.30 0.35 -0.32
Noncontrolling Interest		 - - - - - - - 20 27 38 52

Annual Metrics And Ratios for Porch Group

This table displays calculated financial ratios and metrics derived from Porch Group's official financial filings.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - -
Revenue Growth		 0.00% -6.83% 166.16% 43.40% 55.94% 1.75% 10.18%
EBITDA Growth		 0.00% 54.56% -150.80% -19.58% -38.65% 97.73% 2,495.27%
EBIT Growth		 0.00% 51.12% -150.20% -26.71% -28.99% 84.66% 326.01%
NOPAT Growth		 0.00% 52.08% -97.40% -112.38% -7.52% 66.08% 146.36%
Net Income Growth		 0.00% 47.70% -97.30% -46.86% 14.45% 75.49% 146.66%
EPS Growth		 0.00% 38.67% 43.84% -41.23% 13.66% 76.26% 90.91%
Operating Cash Flow Growth		 0.00% -65.91% 28.54% 49.00% 291.30% -193.38% 309.64%
Free Cash Flow Firm Growth		 0.00% 0.00% -1,892.83% 75.77% 222.48% -160.33% 107.49%
Invested Capital Growth		 0.00% -1,616.43% 560.09% -16.27% -118.10% 48.23% 86.38%
Revenue Q/Q Growth		 0.00% 0.00% 20.69% 4.76% 13.30% -3.15% 9.02%
EBITDA Q/Q Growth		 0.00% 0.00% 4.64% -12.39% 18.38% 90.50% -15.80%
EBIT Q/Q Growth		 0.00% 0.00% 2.63% -10.44% 16.58% 54.45% -20.66%
NOPAT Q/Q Growth		 0.00% 0.00% 2.16% -9.67% 17.78% 21.51% -47.41%
Net Income Q/Q Growth		 0.00% 0.00% 0.35% -10.88% 19.76% 50.10% -63.07%
EPS Q/Q Growth		 0.00% 0.00% 45.19% -17.52% 20.57% 51.47% -109.68%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 52.60% -419.81% -49.75% 31.20% 72.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 56.15% -17.94% -34.76% 116.15%
Invested Capital Q/Q Growth		 0.00% 0.00% 89.30% -3.12% 55.36% 79.65% 89.11%
Profitability Metrics		 - - - - - - -
Gross Margin		 72.29% 75.71% 68.93% 60.72% 40.18% 48.41% 70.48%
EBITDA Margin		 -113.70% -55.45% -52.25% -43.57% -38.74% -0.86% 18.80%
Operating Margin		 -113.57% -58.41% -43.32% -64.16% -44.24% -14.75% 7.58%
EBIT Margin		 -123.21% -64.64% -60.77% -53.69% -44.42% -6.69% 13.73%
Profit (Net Income) Margin		 -133.15% -74.73% -55.40% -56.74% -31.13% -7.50% 3.18%
Tax Burden Percent		 100.09% 96.97% 91.21% 100.54% 100.47% 106.89% 57.30%
Interest Burden Percent		 107.97% 119.23% 99.95% 105.09% 69.75% 104.79% 40.36%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 42.70%
Return on Invested Capital (ROIC)		 0.00% 0.00% -62.16% -56.23% -161.98% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 8.49% -101.43% -163.12% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% -3.57% -49.41% -451.40% 0.00% 0.00%
Return on Equity (ROE)		 172.26% -228.24% -65.73% -105.64% -613.39% 83.21% -147.01%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% -146.06% -38.52% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 -197.26% -29.50% -17.89% -14.19% -19.62% -3.42% 8.22%
Return on Assets (ROA)		 -213.17% -34.11% -16.31% -15.00% -13.75% -3.83% 1.90%
Return on Common Equity (ROCE)		 172.26% -228.24% -65.73% -105.64% -613.39% 83.21% -478.62%
Return on Equity Simple (ROE_SIMPLE)		 172.26% -50.34% -49.12% -197.29% 375.34% 75.95% 0.00%
Net Operating Profit after Tax (NOPAT)		 -62 -30 -58 -124 -133 -45 21
NOPAT Margin		 -79.50% -40.89% -30.33% -44.91% -30.97% -10.32% 4.34%
Net Nonoperating Expense Percent (NNEP)		 73.12% -47.73% -70.64% 45.19% 1.13% -104.24% -2,071.70%
Return On Investment Capital (ROIC_SIMPLE)		 - - - -23.78% -33.31% -12.53% 5.05%
Cost of Revenue to Revenue		 27.71% 24.29% 31.07% 39.28% 59.82% 51.59% 30.63%
SG&A Expenses to Revenue		 67.03% 39.00% 44.04% 39.80% 23.98% 22.47% 21.81%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 11.05%
Operating Expenses to Revenue		 185.86% 134.12% 112.26% 124.88% 84.41% 63.16% 61.79%
Earnings before Interest and Taxes (EBIT)		 -96 -47 -117 -148 -191 -29 66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -88 -40 -101 -120 -167 -3.79 91
Valuation Ratios		 - - - - - - -
Price to Book Value (P/BV)		 0.00 2.87 7.04 2.38 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 4.88 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 1.93 4.26 7.94 0.69 0.71 1.34 2.34
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 6.47 1.55 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 2.67 2.05 8.06 1.13 0.71 1.40 1.80
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 9.55
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 13.08
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 41.34
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 8.96 0.00 13.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 7.58 0.00 0.00 2.92 0.00 184.46
Leverage & Solvency		 - - - - - - -
Debt to Equity		 -1.02 0.45 1.91 5.57 -12.21 -9.35 17.55
Long-Term Debt to Equity		 -0.68 0.40 1.91 5.36 -12.20 -9.34 17.20
Financial Leverage		 -0.95 -2.17 -0.42 0.49 2.77 -0.30 0.03
Leverage Ratio		 -0.81 6.69 4.03 7.04 44.62 -21.71 -77.33
Compound Leverage Factor		 -0.87 7.98 4.03 7.40 31.12 -22.75 -31.21
Debt to Total Capital		 5,356.70% 30.90% 65.65% 84.77% 108.92% 111.98% 94.61%
Short-Term Debt to Total Capital		 1,793.25% 3.06% 0.02% 3.16% 0.06% 0.04% 1.87%
Long-Term Debt to Total Capital		 3,563.45% 27.84% 65.62% 81.61% 108.86% 111.94% 92.74%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 11.32%
Common Equity to Total Capital		 -5,256.70% 69.10% 34.35% 15.23% -8.92% -11.98% -5.93%
Debt to EBITDA		 -0.69 -1.20 -4.12 -3.67 -2.61 -106.66 4.33
Net Debt to EBITDA		 -0.65 3.98 -0.23 -1.01 0.00 -6.44 -3.42
Long-Term Debt to EBITDA		 -0.46 -1.08 -4.12 -3.54 -2.61 -106.62 4.25
Debt to NOPAT		 -0.99 -1.62 -7.11 -3.56 -3.27 -8.94 18.75
Net Debt to NOPAT		 -0.92 5.39 -0.39 -0.98 0.01 -0.54 -14.79
Long-Term Debt to NOPAT		 -0.66 -1.46 -7.10 -3.43 -3.27 -8.93 18.38
Altman Z-Score		 -12.86 0.01 0.64 -0.76 -1.13 -0.54 0.65
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -225.56%
Liquidity Ratios		 - - - - - - -
Current Ratio		 0.18 6.80 1.67 1.18 1.04 0.88 1.30
Quick Ratio		 0.15 6.31 0.97 0.54 0.69 0.51 7.17
Cash Flow Metrics		 - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 20 -350 -85 104 -63 4.70
Operating Cash Flow to CapEx		 -641.34% -1,689.90% -741.36% -169.72% 336.06% -247.61% 462.50%
Free Cash Flow to Firm to Interest Expense		 0.00 2.18 -541.60 -9.73 0.00 -4.15 0.09
Operating Cash Flow to Interest Expense		 -3.85 -5.42 -53.75 -2.03 0.00 -2.10 1.30
Operating Cash Flow Less CapEx to Interest Expense		 -4.45 -5.74 -61.00 -3.23 0.00 -2.95 1.02
Efficiency Ratios		 - - - - - - -
Asset Turnover		 1.60 0.46 0.29 0.26 0.44 0.51 0.60
Accounts Receivable Turnover		 16.47 16.11 11.65 10.00 16.97 20.18 24.45
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 11.65 12.85 34.18 29.19 29.57 22.22 19.24
Accounts Payable Turnover		 4.47 2.51 7.39 16.38 34.26 33.97 13.18
Days Sales Outstanding (DSO)		 22.16 22.66 31.33 36.51 21.51 18.09 14.93
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 81.59 145.58 49.36 22.28 10.65 10.75 27.70
Cash Conversion Cycle (CCC)		 -59.43 -122.92 -18.03 14.23 10.86 7.34 -12.77
Capital & Investment Metrics		 - - - - - - -
Invested Capital		 -3.04 -52 240 201 -36 -19 -2.56
Invested Capital Turnover		 -25.54 -2.62 2.05 1.25 5.23 -15.87 -45.12
Increase / (Decrease) in Invested Capital		 0.00 -49 292 -39 -237 18 16
Enterprise Value (EV)		 207 148 1,552 311 304 613 866
Market Capitalization		 150 308 1,529 189 305 588 1,129
Book Value per Share		 ($1.92) $4.98 $2.21 $0.79 ($0.36) ($0.36) ($0.20)
Tangible Book Value per Share		 ($2.83) $2.93 ($1.41) ($2.72) ($3.18) ($2.54) ($2.19)
Total Capital		 1.14 155 632 521 400 361 415
Total Debt		 61 48 415 442 436 404 393
Total Long-Term Debt		 41 43 415 425 435 404 385
Net Debt		 57 -159 23 122 -0.67 24 -310
Capital Expenditures (CapEx)		 4.57 2.88 4.69 10 10 13 14
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -31 -19 -91 -154 -314 -270 -446
Debt-free Net Working Capital (DFNWC)		 -27 189 242 111 19 -49 28
Net Working Capital (NWC)		 -47 184 242 95 19 -49 20
Net Nonoperating Expense (NNE)		 42 24 48 33 0.69 -12 5.64
Net Nonoperating Obligations (NNO)		 57 -159 23 122 -0.67 24 -25
Total Depreciation and Amortization (D&A)		 7.38 6.64 16 28 24 26 24
Debt-free, Cash-free Net Working Capital to Revenue		 -39.96% -25.77% -47.52% -55.69% -72.89% -61.61% -92.50%
Debt-free Net Working Capital to Revenue		 -34.57% 261.17% 125.81% 40.39% 4.46% -11.16% 5.85%
Net Working Capital to Revenue		 -60.94% 254.60% 125.73% 34.43% 4.40% -11.20% 4.23%
Earnings Adjustments		 - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 ($1.14) $0.00 ($1.39) ($0.33) ($0.03)
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 93.88M 0.00 96.06M 99.59M 103.69M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 ($1.14) $0.00 ($1.39) ($0.33) ($0.03)
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 93.88M 0.00 96.06M 99.59M 103.69M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 98.14M 0.00 97.60M 120.06M 124.46M
Normalized Net Operating Profit after Tax (NOPAT)		 -62 -30 -58 -81 -93 -45 21
Normalized NOPAT Margin		 -79.50% -40.89% -30.33% -29.34% -21.66% -10.32% 4.34%
Pre Tax Income Margin		 -133.03% -77.07% -60.74% -56.43% -30.98% -7.01% 5.54%
Debt Service Ratios		 - - - - - - -
EBIT to Interest Expense		 -12.55 -5.20 -180.73 -16.99 0.00 -1.94 1.29
NOPAT to Interest Expense		 -8.10 -3.29 -90.19 -14.21 0.00 -2.99 0.41
EBIT Less CapEx to Interest Expense		 -13.15 -5.52 -187.98 -18.18 0.00 -2.79 1.01
NOPAT Less CapEx to Interest Expense		 -8.70 -3.61 -97.44 -15.41 0.00 -3.84 0.13
Payout Ratios		 - - - - - - -
Dividend Payout Ratio		 0.00% -55.52% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% -55.60% 0.00% -1.16% -4.19% 0.00% 0.00%

Quarterly Metrics And Ratios for Porch Group

This table displays calculated financial ratios and metrics derived from Porch Group's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 124,461,898.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 124,461,898.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - -0.04
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 67.49% 78.77% 32.13% 12.23% -14.17% -12.43% -9.27% 7.62% 6.19% 39.79% 15.64%
EBITDA Growth		 111.39% 140.49% 85.31% 67.24% -45.87% 333.42% 513.00% 143.34% 334.66% -36.29% 5.07%
EBIT Growth		 102.61% 114.83% 70.79% 64.65% -169.08% 714.06% 219.60% 129.06% 1,037.70% -43.18% 14.33%
NOPAT Growth		 100.24% 121.84% 10.02% 67.08% -1,920.73% 363.66% 95.80% 115.83% -89.36% -74.43% 699.70%
Net Income Growth		 93.20% 92.99% 65.51% 26.03% 350.38% 1,325.82% 127.96% 112.82% -106.83% -85.83% -48.18%
EPS Growth		 93.02% 97.30% 65.85% 28.57% 300.00% 3,500.00% 150.00% 100.00% -183.33% 0.00% -157.14%
Operating Cash Flow Growth		 1,450.47% -454.83% 138.42% -295.94% -85.15% 35.07% -232.05% 236.96% 228.59% 104.51% 216.50%
Free Cash Flow Firm Growth		 308.38% 1,475.55% 481.28% -69.93% -97.06% -97.35% -108.41% -177.62% -967.27% -257.80% -866.53%
Invested Capital Growth		 -139.27% -118.10% -131.81% -4,386.44% -13.56% 48.23% 29.88% 49.51% 74.55% 86.38% 448.73%
Revenue Q/Q Growth		 31.18% -11.53% 0.73% -3.98% 0.32% -9.75% 4.37% 13.89% -1.02% 18.81% -13.66%
EBITDA Q/Q Growth		 105.45% 28.42% -142.65% -997.14% 109.01% 928.28% -59.36% 15.13% -9.65% 50.72% -32.98%
EBIT Q/Q Growth		 101.34% 127.81% -322.78% -419.90% 97.38% 2,784.54% -67.27% 26.33% -15.52% 62.66% -34.13%
NOPAT Q/Q Growth		 100.12% 3,608.54% -569.76% -51.38% 93.10% 1,044.41% -104.26% 670.39% -182.58% 227.53% -0.17%
Net Income Q/Q Growth		 93.39% 56.72% -437.49% -381.39% 122.36% 111.89% -87.74% 120.74% -111.91% 539.61% -55.15%
EPS Q/Q Growth		 93.41% 83.33% -1,300.00% -364.29% 118.46% 183.33% -79.41% -100.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 531.32% -148.96% 120.66% -406.79% 147.84% -314.10% 57.98% 418.21% 14.78% -97.06% 984.26%
Free Cash Flow Firm Q/Q Growth		 83.29% -16.10% -4.64% -79.49% -82.06% -24.48% -402.66% -89.31% -100.41% 86.26% -1,753.80%
Invested Capital Q/Q Growth		 -4,145.52% 55.36% -69.55% -39.61% -7.46% 79.65% -129.65% -0.52% 45.82% 89.11% 5,980.76%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 64.40% 73.84% 32.12% 17.88% 57.70% 88.08% 62.48% 63.60% 73.63% 79.64% 75.00%
EBITDA Margin		 6.50% 9.44% -4.00% -45.68% 4.10% 46.73% 18.20% 18.39% 16.79% 21.30% 16.53%
Operating Margin		 0.15% 6.44% -30.03% -47.34% -2.25% 24.99% -1.21% 4.23% 13.83% 11.73% 9.75%
EBIT Margin		 1.66% 4.28% -9.47% -51.27% -1.34% 39.80% 12.48% 13.85% 11.82% 16.18% 12.34%
Profit (Net Income) Margin		 -4.43% -2.17% -11.57% -58.03% 12.93% 30.36% 3.57% 6.91% -0.83% 3.08% 1.60%
Tax Burden Percent		 102.06% 130.98% 101.35% 101.08% 101.29% 95.51% 80.53% 115.18% -29.40% 37.23% 51.75%
Interest Burden Percent		 -261.28% -38.68% 120.60% 111.96% -954.23% 79.88% 35.48% 43.35% 23.94% 51.09% 25.03%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% -1.29% 4.49% 19.47% -15.18% 129.40% 62.77% 48.25%
Return on Invested Capital (ROIC)		 0.65% 23.58% -145.84% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 46.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 -23.88% 10.91% -129.15% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 39.46%
Return on Net Nonoperating Assets (RNNOA)		 -14.70% 30.20% -11,906.48% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -778.33%
Return on Equity (ROE)		 -14.05% 53.78% -12,052.32% 123.93% 115.19% 83.21% 41.45% -109.20% -124.63% -147.01% -731.49%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -111.44%
Operating Return on Assets (OROA)		 0.62% 1.89% -4.57% -25.09% -0.66% 20.34% 6.33% 7.32% 6.32% 9.69% 7.65%
Return on Assets (ROA)		 -1.65% -0.96% -5.59% -28.39% 6.37% 15.52% 1.81% 3.66% -0.44% 1.84% 0.99%
Return on Common Equity (ROCE)		 -14.05% 53.78% -12,052.32% 123.93% 115.19% 83.21% 52.57% -137.64% -196.55% -478.62% -9,913.41%
Return on Equity Simple (ROE_SIMPLE)		 448.95% 0.00% 247.51% 84.31% 85.39% 0.00% 30.01% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 0.14 5.17 -24 -37 -2.54 24 -1.02 5.82 -4.80 6.12 6.11
NOPAT Margin		 0.11% 4.51% -21.02% -33.14% -2.28% 23.87% -0.97% 4.87% -4.07% 4.37% 5.05%
Net Nonoperating Expense Percent (NNEP)		 24.53% 12.66% -16.68% 108.86% 56.70% -54.95% 32.85% 19.15% 15.45% -664.64% 7.38%
Return On Investment Capital (ROIC_SIMPLE)		 - 1.29% -6.25% - - 6.64% -0.27% 1.48% -1.21% 1.48% 1.44%
Cost of Revenue to Revenue		 35.60% 26.16% 67.88% 82.12% 42.30% 11.92% 37.52% 36.40% 26.37% 24.16% 25.00%
SG&A Expenses to Revenue		 22.12% 22.41% 22.09% 21.99% 22.37% 22.68% 22.91% 25.89% 22.91% 16.58% 21.41%
R&D to Revenue		 0.00% 0.00% 10.65% 0.00% 0.00% 0.00% 12.60% 10.96% 11.33% 9.74% 10.76%
Operating Expenses to Revenue		 64.25% 67.40% 62.15% 65.23% 59.95% 63.09% 63.69% 59.37% 59.80% 64.11% 65.25%
Earnings before Interest and Taxes (EBIT)		 2.15 4.91 -11 -57 -1.49 40 13 17 14 23 15
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.43 11 -4.62 -51 4.56 47 19 22 20 30 20
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.21 0.71 0.92 0.32 0.40 1.34 2.05 3.29 4.65 2.34 1.79
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.67 67.24 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.90% 1.49% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.02
Enterprise Value to Revenue (EV/Rev)		 0.09 0.71 0.88 0.35 0.37 1.40 2.40 3.56 3.97 1.80 2.42
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 51.54 16.75 16.31 9.55 13.19
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22.76 21.05 13.08 17.75
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 59.86 44.10 41.34 46.54
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.51 8.96 6.25 6.57 0.00 0.00 0.00 151.63 45.51 13.04 13.34
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.27 2.92 3.23 5.83 0.00 0.00 0.00 0.00 0.00 184.46 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 -11.64 -12.21 -9.86 -4.29 -5.18 -9.35 -12.77 -180.13 36.92 17.55 15.17
Long-Term Debt to Equity		 -11.60 -12.20 -9.85 -4.28 -5.18 -9.34 -12.77 -180.13 36.18 17.20 14.87
Financial Leverage		 0.62 2.77 92.19 -0.37 0.52 -0.30 0.38 0.24 0.74 0.03 -19.72
Leverage Ratio		 26.17 44.62 1,338.38 -13.87 -16.06 -21.71 -22.18 -15.82 -24.87 -77.33 -280.19
Compound Leverage Factor		 -68.38 -17.26 1,614.09 -15.53 153.27 -17.34 -7.87 -6.86 -5.95 -39.51 -70.12
Debt to Total Capital		 109.40% 108.92% 111.29% 130.43% 123.93% 111.98% 108.50% 100.56% 97.36% 94.61% 93.82%
Short-Term Debt to Total Capital		 0.42% 0.06% 0.04% 0.04% 0.05% 0.04% 0.00% 0.00% 1.95% 1.87% 1.83%
Long-Term Debt to Total Capital		 108.98% 108.86% 111.25% 130.39% 123.88% 111.94% 108.50% 100.56% 95.41% 92.74% 91.99%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.40% 6.92% 9.66% 11.32% 12.16%
Common Equity to Total Capital		 -9.40% -8.92% -11.29% -30.43% -23.93% -11.98% -13.90% -7.47% -7.02% -5.93% -5.97%
Debt to EBITDA		 -2.12 -2.61 -3.09 -12.13 -10.01 -106.66 20.57 4.26 3.59 4.33 4.35
Net Debt to EBITDA		 0.22 0.00 0.13 -0.44 0.39 -6.44 6.50 0.96 -3.14 -3.42 2.89
Long-Term Debt to EBITDA		 -2.11 -2.61 -3.09 -12.13 -10.01 -106.62 20.57 4.26 3.52 4.25 4.27
Debt to NOPAT		 -2.67 -3.27 -3.31 -7.84 -6.93 -8.94 -18.75 15.23 9.72 18.75 15.36
Net Debt to NOPAT		 0.27 0.01 0.14 -0.28 0.27 -0.54 -5.93 3.43 -8.48 -14.79 10.20
Long-Term Debt to NOPAT		 -2.66 -3.27 -3.31 -7.84 -6.93 -8.93 -18.75 15.23 9.52 18.38 15.06
Altman Z-Score		 -0.54 -0.41 -0.37 -0.87 -0.75 -0.26 0.16 0.67 1.11 0.47 0.26
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -26.83% -26.04% -57.70% -225.56% -1,255.24%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 1.08 1.04 1.08 0.99 0.83 0.88 1.52 1.72 1.33 1.30 1.28
Quick Ratio		 0.76 0.69 0.75 0.68 0.53 0.51 1.13 1.39 6.01 7.17 1.01
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 289 242 231 47 8.50 6.42 -19 -37 -74 -10 -188
Operating Cash Flow to CapEx		 3,650.74% -1,709.18% 359.30% -814.62% 367.93% -686.68% -334.07% 966.29% 1,060.99% 34.45% 349.02%
Free Cash Flow to Firm to Interest Expense		 28.14 22.87 39.20 4.59 0.00 0.60 -1.73 -3.06 -5.42 -0.71 -12.86
Operating Cash Flow to Interest Expense		 8.15 -3.87 1.44 -2.52 0.00 -2.47 -0.99 2.96 3.00 0.08 0.89
Operating Cash Flow Less CapEx to Interest Expense		 7.93 -4.09 1.04 -2.82 0.00 -2.83 -1.29 2.65 2.72 -0.16 0.64
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.37 0.44 0.48 0.49 0.49 0.51 0.51 0.53 0.53 0.60 0.62
Accounts Receivable Turnover		 11.88 16.97 20.65 20.39 18.76 20.18 25.85 25.88 21.18 24.45 40.98
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 28.24 29.57 29.28 27.64 24.57 22.22 20.40 19.05 17.86 19.24 18.51
Accounts Payable Turnover		 31.47 34.26 49.70 38.99 34.35 33.97 34.20 37.24 24.20 13.18 16.44
Days Sales Outstanding (DSO)		 30.72 21.51 17.68 17.90 19.46 18.09 14.12 14.10 17.23 14.93 8.91
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 11.60 10.65 7.34 9.36 10.63 10.75 10.67 9.80 15.08 27.70 22.20
Cash Conversion Cycle (CCC)		 19.12 10.86 10.33 8.54 8.84 7.34 3.45 4.30 2.15 -12.77 -13.29
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 -81 -36 -62 -86 -92 -19 -43 -43 -24 -2.56 151
Invested Capital Turnover		 6.03 5.23 6.94 -10.70 -5.20 -15.87 -8.15 -6.73 -7.63 -45.12 9.28
Increase / (Decrease) in Invested Capital		 -289 -237 -255 -84 -11 18 18 43 69 16 194
Enterprise Value (EV)		 35 304 403 166 167 613 1,025 1,549 1,757 866 1,209
Market Capitalization		 79 305 421 150 182 588 875 1,433 2,057 1,129 892
Book Value per Share		 ($0.38) ($0.36) ($0.45) ($1.03) ($0.65) ($0.36) ($0.44) ($0.24) ($0.23) ($0.20) ($0.20)
Tangible Book Value per Share		 ($3.26) ($3.18) ($3.26) ($3.75) ($2.88) ($2.54) ($2.35) ($2.11) ($2.25) ($2.19) ($1.98)
Total Capital		 396 400 388 335 322 361 377 392 398 415 425
Total Debt		 433 436 432 437 399 404 409 394 387 393 399
Total Long-Term Debt		 431 435 432 437 399 404 409 394 379 385 391
Net Debt		 -44 -0.67 -18 16 -15 24 129 89 -338 -310 265
Capital Expenditures (CapEx)		 2.29 2.40 2.36 3.19 3.38 3.87 3.35 3.68 3.85 3.49 3.73
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -349 -314 -311 -326 -333 -270 -49 -41 -475 -446 -47
Debt-free Net Working Capital (DFNWC)		 42 19 37 -6.64 -84 -49 38 48 37 28 30
Net Working Capital (NWC)		 40 19 36 -6.79 -85 -49 38 48 29 20 22
Net Nonoperating Expense (NNE)		 5.88 7.65 -11 28 -17 -6.52 -4.76 -2.43 -3.82 1.81 4.18
Net Nonoperating Obligations (NNO)		 -44 -0.67 -18 16 -15 24 -11 -41 -34 -25 124
Total Depreciation and Amortization (D&A)		 6.27 5.91 6.32 6.20 6.05 6.95 5.99 5.43 5.87 7.19 5.08
Debt-free, Cash-free Net Working Capital to Revenue		 -91.84% -72.89% -67.74% -69.33% -73.66% -61.61% -11.55% -9.35% -107.41% -92.50% -9.34%
Debt-free Net Working Capital to Revenue		 10.95% 4.46% 7.97% -1.41% -18.69% -11.16% 8.97% 10.91% 8.34% 5.85% 5.99%
Net Working Capital to Revenue		 10.51% 4.40% 7.94% -1.44% -18.72% -11.20% 8.97% 10.91% 6.59% 4.23% 4.43%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.06) ($0.01) ($0.14) ($0.65) $0.14 $0.32 $0.08 $0.03 ($0.10) ($0.04) ($0.04)
Adjusted Weighted Average Basic Shares Outstanding		 96.37M 96.06M 97.51M 99.19M 119.54M 99.59M 121.54M 103.16M 104.30M 103.69M 106.07M
Adjusted Diluted Earnings per Share		 ($0.06) ($0.01) ($0.14) ($0.65) $0.12 $0.34 $0.07 $0.00 ($0.10) $0.00 ($0.04)
Adjusted Weighted Average Diluted Shares Outstanding		 96.37M 96.06M 97.51M 99.19M 119.54M 99.59M 121.54M 131.68M 104.30M 103.69M 106.07M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 98.87M 97.60M 99.19M 118.77M 119.54M 120.06M 121.54M 122.58M 123.68M 124.46M 127.72M
Normalized Net Operating Profit after Tax (NOPAT)		 0.14 5.17 -24 -37 -1.75 24 -1.02 3.53 11 12 6.11
Normalized NOPAT Margin		 0.11% 4.51% -21.02% -33.14% -1.58% 23.87% -0.97% 2.96% 9.68% 8.21% 5.05%
Pre Tax Income Margin		 -4.34% -1.66% -11.42% -57.41% 12.77% 31.79% 4.43% 6.00% 2.83% 8.27% 3.09%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.21 0.46 -1.85 -5.50 0.00 3.71 1.16 1.37 1.03 1.59 1.02
NOPAT to Interest Expense		 0.01 0.49 -4.12 -3.56 0.00 2.22 -0.09 0.48 -0.35 0.43 0.42
EBIT Less CapEx to Interest Expense		 -0.01 0.24 -2.25 -5.81 0.00 3.35 0.87 1.07 0.74 1.34 0.77
NOPAT Less CapEx to Interest Expense		 -0.21 0.26 -4.52 -3.87 0.00 1.86 -0.39 0.18 -0.64 0.18 0.16
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 -4.45% -4.19% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 18.58%

Financials Breakdown Chart

Key Financial Trends

Here is a concise four-year trend view of Porch Group (PRCH) based on the quarterly income statements, cash flow statements and balance sheets provided. The bullets focus on the most relevant drivers for retail investors.

  • Revenue has trended higher from 2022 through 2025, with Q4 2025 revenue at 140.292 million, up from the mid-to-low tens of millions in earlier years—indicating sustained top-line growth.
  • Gross margins have remained robust, generally in the 70–80% range across many quarters (example: Q4 2025 Total Gross Profit of 111.722 million on 140.292 million revenue yields a margin around 79%), signaling solid gross profitability despite ongoing investments.
  • Net income shows improving trajectory in 2024–2025, with positive results in several 2025 quarters (notably Q2 2025 and Q4 2025), suggesting the company is moving toward profitability at the bottom line.
  • Operating cash flow has been positive in multiple quarters, including a robust showing in Q3 2025 (Net Cash From Continuing Operating Activities around 40.83 million), highlighting improving cash generation from core operations.
  • The balance sheet features a sizable cash balance (about 487.7 million in Q3 2025), providing substantial liquidity to fund operations and selective investing while current liabilities remain modest.
  • Liquidity indicators look favorable in several periods, with a current ratio around 1.3x in Q3 2025 (116.3 million in current assets vs. 87.1 million in current liabilities), indicating adequate short-term liquidity.
  • Seasonality and quarter-to-quarter variability are evident in revenue and earnings, reflecting business mix and timing across quarters; this can affect near-term volatility in reported results.
  • Balance sheet observations include large debt loads and periods of negative shareholders’ equity, which may raise solvency and leverage considerations even as cash on hand is strong.
  • Impairment charges and other sizable expenses in certain quarters (for example, a notable impairment expense in Q3 2025) weigh on reported profitability and margins.
  • Investing activities show meaningful cash outflows in several quarters (e.g., substantial net cash used in investing activities in Q4 2025 and other periods), which can pressure near-term liquidity if operating cash flow does not cover these outflows.
05/07/26 02:20 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Porch Group's Financials

When does Porch Group's fiscal year end?

According to the most recent income statement we have on file, Porch Group's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has Porch Group's net income changed over the last 6 years?

Porch Group's net income appears to be on a downward trend, with a most recent value of $15.32 million in 2025, falling from -$103.32 million in 2019. The previous period was -$32.83 million in 2024. View Porch Group's forecast to see where analysts expect Porch Group to go next.

What is Porch Group's operating income?
Porch Group's total operating income in 2025 was $36.57 million, based on the following breakdown:
  • Total Gross Profit: $339.99 million
  • Total Operating Expenses: $298.10 million
How has Porch Group's revenue changed over the last 6 years?

Over the last 6 years, Porch Group's total revenue changed from $77.60 million in 2019 to $482.41 million in 2025, a change of 521.7%.

How much debt does Porch Group have?

Porch Group's total liabilities were at $775.04 million at the end of 2025, a 9.6% decrease from 2024, and a 614.7% increase since 2019.

How much cash does Porch Group have?

In the past 6 years, Porch Group's cash and equivalents has ranged from $4.18 million in 2019 to $315.74 million in 2021, and is currently $44.68 million as of their latest financial filing in 2025.

How has Porch Group's book value per share changed over the last 6 years?

Over the last 6 years, Porch Group's book value per share changed from -1.92 in 2019 to -0.20 in 2025, a change of -89.7%.


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Financial statements for NASDAQ:PRCH last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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