How profitable is Porch Group Inc. (PRCH)?

In FY 2025 (10-K), PRCH converted $418.9M of revenue into a 81.2% gross margin, 8.7% operating margin, and $66.0M in free cash flow (15.7% FCF margin).

Stock Ratings / Technology / PRCH / financials

ASAN (52) SPSC (69) VIA (50) VERX (59) ⌘ Pro Terminal →

Porch Group Inc. (PRCH) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$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 $2.73B

📤 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 $2.73B). 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 ASAN and SPSC 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, ASAN (Asana Inc. (Class A)) holds a D+ grade (52/100 RQD, P/E N/A, ROIC -35.0%, cap $2.57B) and SPSC (SPS Commerce Inc.) posts a C+ grade (69/100 RQD, P/E 33.1x, ROIC 11.4%, cap $2.94B). Among the 5-stock peer group, SPSC leads on earnings multiple (33.1x) while SPSC leads on capital efficiency (11.4% 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+

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+

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

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)

Grade C$16.44+13.1% Next Q

Q2 (-2Q)

Grade C$18.59-12.3% Next Q

Q3 (-1Q)

Grade C+$16.30+23.8% Next Q

Current

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 ($17.45) or 200D SMA ($12.22) 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 →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How PRCH Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$66.0M (15.7% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $287.5M

FY24

Rev $313.3M

FY25

Rev $418.9M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$418.9M	81.2%	8.7%	-$3.4M	$66.0M	9.1%
FY 2024	$313.3M	64.5%	-20.6%	-$32.8M	-$32.2M	-26.4%
FY 2023	$287.5M	81.2%	-66.2%	-$133.9M	$21.0M	-16.3%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PRCH)

✓Walkthrough of PRCH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PRCH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +94.79%▲ ASCENDING CHANNEL

2026-11-03O $20.89H $20.89L $20.18C $20.18VOL 2.89M

RES: $21.58SUP: $16.48SMA50: $17.45SMA200: $12.22

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 ⚔️ ASAN vs PRCH Full Matrix →

1. Head-to-Head Technology Peer Comparison (PRCH vs. ASAN, SPSC, VIA, VERX)

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 #261 by equity capitalization ($2.73B). Within this direct 5-issuer industry benchmark cohort, SPSC leads on earnings valuation at 33.1x trailing P/E, while SPSC leads on capital efficiency and profitability with 11.4% ROIC and 69.2% gross margin. SPSC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with PRCH 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%	$2.73B	Benchmark Subject
ASAN Asana Inc. (Class A)	D+	52/100	—	89.0%	-35.0%	-1.51%	$2.57B	/asan-vs-prch →
SPSC SPS Commerce Inc.	C+	69/100	33.1x	69.2%	11.4%	+2.52%	$2.94B	/spsc-vs-prch →
VIA Via Transportation Inc. (Class A)	D	50/100	—	39.6%	-23.6%	+0.03%	$2.97B	/via-vs-prch →
VERX Vertex Inc. (Class A)	C-	59/100	—	64.3%	0.7%	+3.33%	$2.49B	/verx-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?

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

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

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 +15.64% above its 50-day simple moving average ($17.45) and +65.14% above its 200-day simple moving average ($12.22). Across its 52-week range of $6.36 to $21.30, PRCH sits at the 92.5% percentile with a 14-day RSI of 64.4 (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 $2.73B).

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) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 1d ago

Porch Group, Inc. (PRCH) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Porch Group Inc. (PRCH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance UK • 1d ago

Porch Group, Inc. (PRCH) stock price, news, quote and history

Yahoo Finance UK report covering Porch Group Inc. (PRCH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST TradingView • 1d ago

Porch Group (PRCH) Stock Soars 22% After Hours: What's Going On?

TradingView report covering Porch Group Inc. (PRCH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Porch Group: A Real Fee Business Priced For 2028 - Sell

Seeking Alpha report covering Porch Group Inc. (PRCH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Benzinga • 2d ago

Porch Group Shares Jump 22.18% After Hours - Porch Group (NASDAQ:PRCH)

Benzinga report covering Porch Group Inc. (PRCH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 2d ago

Porch Group (Nasdaq:PRCH) - Stock Analysis

Simply Wall St report covering Porch Group Inc. (PRCH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 2d ago

Porch Group Inc (PRCH) Stockholders Plan to Sell 16.22 Million S

GuruFocus report covering Porch Group Inc. (PRCH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 2d ago

Porch Group, Inc. 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:PRCH) 2026-10-31

Seeking Alpha report covering Porch Group Inc. (PRCH) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 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

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.