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Stock Ratings / Technology / PRCH / earnings
VERX (59) ASAN (52) NCNO (60) BLKB (61) ⌘ Pro Terminal →

Porch Group Inc. (PRCH) Next Earnings Date & Expected ±12.5% Move

$20.18 -1.85% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $20.07

Porch Group Inc. (PRCH) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $2.68B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PRCH Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PRCH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Porch Group Inc. (NASDAQ: PRCH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $20.18 (-1.85% 1D, market cap $2.68B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 13/20. Across 715 tracked Technology issuers, PRCH ranks #127 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PRCH compare to VERX and ASAN in the Technology sector?
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Within the Technology sector (Computer Software: Prepackaged Software), PRCH carries a Roarable C+ (66/100 RQD), trailing P/E of N/A, gross margin of 81.2%, and ROIC of 9.1%. By comparison, VERX (Vertex Inc. (Class A)) holds a C- grade (59/100 RQD, P/E N/A, ROIC 0.7%, cap $2.57B) and ASAN (Asana Inc. (Class A)) posts a D+ grade (52/100 RQD, P/E N/A, ROIC -35.0%, cap $2.53B). Among the 5-stock peer group, BLKB leads on earnings multiple (20.6x) while BLKB leads on capital efficiency (13.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PRCH?
▼

Per PRCH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001784535), Porch Group Inc. generated $418.9M in revenue (+33.7% YoY), -$3.4M in net income, and $66.0M in free cash flow against $797.4M in total assets and $385.1M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $20.08 (-0.52%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 15.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B · Rk D+
Cash (13)Whales (17)SEC (10)Macro (13)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$25 Bull$21 Base$16 Bear
📬 FREE PRCH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PRCH)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY PRCH SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+17/20 pts (26% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 15.7% FCF Margin ($66.0M FCF) & 81.2% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk10/20 pts (-10 pt drag)

Balance-sheet & 10-K footnote risk deducts 10 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$17.57+2.1% Next Q
Q2 (-2Q)
61
Grade C$17.94+16.4% Next Q
Q3 (-1Q)
63
Grade C+$20.89-3.4% Next Q
Current
66
Grade C+$20.18+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PRCH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, PRCH faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 78.7% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.51) or 200D SMA ($12.28) invalidates the momentum regime and cuts Target Base ($20.91) toward Bear Floor ($16.31).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PRCH• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PRCH Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 66%NO 34%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±12.5% Swing Band

±$2.52 Expected Swing
$17.66 (-12.5%)Spot $20.18$22.70 (+12.5%)
MODEL EARNINGS SETUP GAUGE

PRCH Quantitative Pre-Earnings Setup: 66/100

Trailing EPS: $-0.03 • YoY Revenue Growth: 33.7%

Model Bullish Setup (66/100)Model Risk Weight (34/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$418.9M-$3.4M$66.0M81.2%
FY 20242024-12-31$313.3M-$32.8M-$32.2M64.5%
FY 20232023-12-31$287.5M-$133.9M$21.0M81.2%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PRCH & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on PRCH
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PRCH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +79.70%▲ ASCENDING CHANNEL
2026-11-04O $20.56H $20.56L $20.18C $20.18VOL 3.05M
RES: $21.65SUP: $16.55SMA50: $17.51SMA200: $12.28
$22.24$18.34$14.45$10.55$6.65RES $21.65SUP $16.55$20.182026-05-052026-06-222026-08-062026-09-222026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PRCH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PRCH Butterfly Map → + Track PRCH →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
13.5%/yr Implied 5Y Growth

vs. +33.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PRCH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PRCH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PRCH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PRCH)

Technology Rank #127 of 715 ⚔️ VERX vs PRCH Full Matrix →

1. Head-to-Head Technology Peer Comparison (PRCH vs. VERX, ASAN, NCNO, BLKB)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, Porch Group Inc. (PRCH) ranks #127 by composite RQD confidence (66/100, grade C+) and #262 by equity capitalization ($2.68B). Within this direct 5-issuer industry benchmark cohort, BLKB leads on earnings valuation at 20.6x trailing P/E, while BLKB leads on capital efficiency and profitability with 13.3% ROIC and 58.8% gross margin. PRCH currently leads its immediate peer cohort in composite quantitative strength at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PRCH ACTIVE
Porch Group Inc.
C+ 66/100 — 81.2% 9.1% -1.85% $2.68B Benchmark Subject
VERX
Vertex Inc. (Class A)
C- 59/100 — 64.3% 0.7% +3.33% $2.57B /verx-vs-prch →
ASAN
Asana Inc. (Class A)
D+ 52/100 — 89.0% -35.0% -1.51% $2.53B /asan-vs-prch →
NCNO
nCino Inc.
C- 60/100 — 60.6% 0.2% +2.12% $2.45B /ncno-vs-prch →
BLKB
Blackbaud Inc.
C- 61/100 20.6x 58.8% 13.3% +1.66% $2.45B /blkb-vs-prch →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001784535 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Porch Group Inc. (PRCH) reported GAAP revenue of $418.9M (+33.7% vs. FY2024 revenue of $313.3M , and +45.7% cumulative change since FY2023) , GAAP net income of -$3.4M, operating cash flow of $66.4M, and free cash flow of $66.0M (+304.8% YoY). On the balance sheet, PRCH closed FY2025 with $797.4M in total assets against $385.1M in total debt (Altman Z-Score: 1.71, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $418.9M -$3.4M $66.4M $66.0M $797.4M $385.1M
FY2024 (FY) 2024-12-31 $313.3M -$32.8M -$31.7M -$32.2M $814.0M $403.8M
FY2023 (FY) 2023-12-31 $287.5M -$133.9M $33.9M $21.0M $1.52B $356.6M

3. PRCH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PRCH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Porch Group Inc. (NASDAQ: PRCH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $20.18 (-1.85% 1D, market cap $2.68B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 13/20. Across 715 tracked Technology issuers, PRCH ranks #127 in composite RQD confidence.

How does PRCH compare to VERX and ASAN in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), PRCH carries a Roarable C+ (66/100 RQD), trailing P/E of N/A, gross margin of 81.2%, and ROIC of 9.1%. By comparison, VERX (Vertex Inc. (Class A)) holds a C- grade (59/100 RQD, P/E N/A, ROIC 0.7%, cap $2.57B) and ASAN (Asana Inc. (Class A)) posts a D+ grade (52/100 RQD, P/E N/A, ROIC -35.0%, cap $2.53B). Among the 5-stock peer group, BLKB leads on earnings multiple (20.6x) while BLKB leads on capital efficiency (13.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PRCH?

Per PRCH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001784535), Porch Group Inc. generated $418.9M in revenue (+33.7% YoY), -$3.4M in net income, and $66.0M in free cash flow against $797.4M in total assets and $385.1M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PRCH trading relative to its 50-day, 200-day, and 52-week technical levels?

PRCH last traded at $20.18 (-1.85% on volume of 3,050,317 shares), positioning the stock +15.25% above its 50-day simple moving average ($17.51) and +64.33% above its 200-day simple moving average ($12.28). Across its 52-week range of $6.36 to $21.30, PRCH sits at the 92.5% percentile with a 14-day RSI of 61.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($17.66 to $22.70).

Direct Sub-Reports: PRCH RQD Cockpit PRCH 12M Forecast PRCH Earnings & Move PRCH Dividends & DRIP PRCH Insiders & 13F PRCH Whale Options PRCH Profit Sankey PRCH News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

PRCH — Porch Group Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Porch Group Inc. (PRCH) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $20.18 (-1.85% 1D, market capitalization $2.68B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 9.1%, gross margin of 81.2%, operating margin of 8.7%, and free cash flow yield of 2.38%.
  • Whale 13F & Options Flow (17/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (10/20): Incorporates a 1.27x equity beta, Altman Z-Score of 1.71, Piotroski F-Score of 8/9, and Debt/Equity of 0.85x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Porch Group Inc. (PRCH) is a NASDAQ-listed issuer in the Technology sector, within the Computer Software: Prepackaged Software industry..8B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Porch Group Inc. (PRCH) reported $418.9M in annual revenue (up from $313.3M in FY2024, +33.7% YoY) and -$3.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($287.5M revenue, -$133.9M net income) through FY2025, PRCH scaled operating cash flow to $66.4M and free cash flow to $66.0M, backed by $797.4M in total assets against $385.1M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of 2.38% and institutional whale pillar of 17/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 17/20, sustained execution supports upside toward the upper end of the $6.36 – $21.30 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Investors must weigh current valuation and 84.2x EV/EBITDA against 8.7% operating margins and a 1.27x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are — The only sector context is the Technology / Prepackaged Software classification and the Beta of 1.27.

  • Key Question #1: Can PRCH sustain or expand its 8.7% operating margin and 9.1% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $418.9M and free cash flow of $66.0M, how will capital allocation balance growth reinvestment against $385.1M in total debt?
  • Key Question #3: How sensitive is PRCH's 20.0x forward P/E multiple to Technology capital spending cycles and macro interest-rate shifts (Beta 1.27x)?

PRCH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Porch Group Inc. (PRCH) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PRCH Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PRCH Bull vs. Bear Conversation Board — What's Your Call at $20.18?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PRCH 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PRCH:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $26.93 (+31.0%)
📌 Pinned Debate

Institutional accumulation drives the strongest RQD pillar (18/20) alongside revenue growth from $287.5M to $418.9M and a swing to $36.

Don't sleep on PRCH's setup in Technology. Institutional accumulation drives the strongest RQD pillar (18/20) alongside revenue growth from $287.5M to $418.9M and a swing to $36.6M operating income in FY 2025.. Beta of 1.27 means it moves fast when momentum turns, and the 5-pillar RQD gauge (66/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@RedlineAuditor Fair point on 20.0x forward P/E, but you're ignoring the forward operating leverage in Computer Software: Prepackaged Software. If gross margin (81.2%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $16.86 (-18.0%)
Spot @ $20.56

Forensic balance sheet scores only 10/20 with Altman Z 1.71 and $385.1M debt against $44.7M cash, while EV/EBITDA of 84.2 and TTM EPS o

Fading this rally in PRCH at $20.56. Forensic balance sheet scores only 10/20 with Altman Z 1.71 and $385.1M debt against $44.7M cash, while EV/EBITDA of 84.2 and TTM EPS of -0.03 leave valuation hard to justify.. With a beta of 1.27 and the stock sitting at $20.56 (52-wk range $6.36–$21.30), the easy multiple expansion is already priced in.

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