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Stock Ratings / Technology / PRCH / options
ASAN (52) SPSC (69) VIA (50) VERX (59) ⌘ Pro Terminal β†’

Porch Group Inc. (PRCH) Options Positioning, Max Pain & Unusual Sweeps

$20.18 -1.85% NASDAQ β€’ 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+ β€’ HOLD / WATCH Cap $2.73B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PRCH Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is PRCH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does PRCH compare to ASAN and SPSC in the Technology sector?
β–Ό

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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PRCH?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $20.08 (-0.52%)🧬 Cannibal Buyback (-1.52% YoY Shares)βš™οΈ Cash Engine: 13/20 (C) β€’ 15.7% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 56.0% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw B Β· 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
πŸ“¬ FREE PRCH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for PRCH)Realized 20D OHLCV Swing Band: Β±12.5%
Deterministic 5-Pillar Attribution (66/100 Composite)
πŸ” WHY PRCH SCORES 66/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+17/20 pts (26% of score)

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

β–² #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

β–Ό #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

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
58
Grade C$16.44+13.1% Next Q
Q2 (-2Q)
61
Grade C$18.59-12.3% Next Q
Q3 (-1Q)
63
Grade C+$16.30+23.8% Next Q
Current
66
Grade C+$20.18+1.4% Hist 90D Ξ±
Trajectory: C (58) β†’ C+ (66)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the PRCH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

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) β€” 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 $PRCHβ€’ $4.8M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œPRCH Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 66%NO 34%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±12.5%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (PRCH)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for PRCH.

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

  • βœ“Institutional whale strikes & implied earnings move audit on PRCH
  • βœ“How disciplined traders manage risk using pre-published trigger & invalidation levels
  • βœ“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: +94.79%β–² ASCENDING CHANNEL
2026-11-03O $20.89H $20.89L $20.18C $20.18VOL 2.89M
RES: $21.58SUP: $16.48SMA50: $17.45SMA200: $12.22
$22.25$18.33$14.40$10.48$6.56RES $21.58SUP $16.48$20.182026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ PRCH Butterfly Map β†’ + Track PRCH β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PRCH)

Technology Rank #127 of 715 βš”οΈ ASAN vs PRCH Full Matrix β†’

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 β€” 81.2% 9.1% -1.85% $2.73B Benchmark Subject
ASAN
Asana Inc. (Class A)
D+ 52/100 β€” 89.0% -35.0% -1.51% $2.57B /asan-vs-prch β†’
SPSC
SPS Commerce Inc.
C+ 69/100 33.1x 69.2% 11.4% +2.52% $2.94B /spsc-vs-prch β†’
VIA
Via Transportation Inc. (Class A)
D 50/100 β€” 39.6% -23.6% +0.03% $2.97B /via-vs-prch β†’
VERX
Vertex Inc. (Class A)
C- 59/100 β€” 64.3% 0.7% +3.33% $2.49B /verx-vs-prch β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001784535 β†—

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)

βœ“ 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 $2.73B). 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.

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).

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 +15.64% 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 Β±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 β€’ RQD 66/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

PRCH β€” 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

  • πŸ‚ Primary Bull Case (C+ β€’ 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 β€” 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) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to PRCH Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PRCH 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PRCH:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER β€’ Institutional Buy-Side πŸ‚ BULLISH 🎯 Target: $26.93 (+31.0%)
πŸ“Œ 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 πŸ‚ 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 β€’ 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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