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Porch Group Inc(PRCH)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PRCH
11/09/2026: PRCH (5-star) is a STRONG-BUY. BUY for 23 days. Simulated Profits (17.74%). Updated daily EoD!
Porch Group Inc is a U.S.-based company that functions as a vertically integrated platform for the homeownership market, combining software-as-a-service (SaaS) tools with homeowners insurance. The company leverages its deep B2B relationships with home professionals to capture valuable consumer data, which it uses to lower the cost of acquiring insurance customers. Its main growth opportunity lies in scaling its insurance segment, now operating through a reciprocal exchange model to improve capital efficiency. However, the company faces significant risks from housing market cyclicality, regulatory complexities in the insurance industry, and intense competition. Porch is likely best suited for growth-oriented investors who can monitor progress toward profitability and insurance scalability.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Porch captures high-value moments in the housing cycle and is aggressively scaling its insurance segment. |
| Momentum investor | Strong fit while signal remains positive | The stock has experienced significant price momentum driven by analyst upgrades and improved earnings performance. |
| Value investor | Weak fit | Porch is still in a high-growth, capital-intensive phase with historical net losses, making it less attractive for traditional value criteria. |
| Dividend investor | Weak fit | The company does not pay dividends and prioritizes capital for business reinvestment. |
| Low-risk investor | Weak fit | High price volatility and reliance on the cyclical housing market make this stock unsuitable for conservative, low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to significant fluctuations based on housing market data and sector-wide sentiment. |
| Valuation risk | Medium / high | Market expectations for growth are high, leaving little margin for error in earnings execution. |
| Competition risk (Insurtech and Software) | Medium / high | Porch must defend its niches against both established insurance giants and new tech-enabled entrants. |
| Business quality | Medium | While the platform has sticky software elements, its insurance segment is subject to underwriting risks and cyclical volatility. |
| Dividend income | Low / none | There is no dividend income for investors seeking steady payouts. |
| Execution risk | Medium | Successfully managing the transition to a capital-efficient insurance model remains complex. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 477.43% | Avg. Invested days 33 | Today’s Advisory Regular Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.26B USD | Price to earnings Ratio 246.62 | 1Y Target Price 25.43 |
Price to earnings Ratio 246.62 | 1Y Target Price 25.43 | ||
Volume (30-day avg) 2.0M shares | Beta 3.15 | 52 Weeks Range 6.36 - 21.96 | Updated Date 11/08/2026 |
52 Weeks Range 6.36 - 21.96 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.08 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Services | Premiums from insurance products and fees from underwriting and policy administration services. | This is the company's largest revenue engine, benefiting from recurring insurance renewals. |
| Software & Data | Subscriptions and transactional fees from software sold to professionals like inspectors and mortgage lenders. | Provides stable, recurring subscription income and valuable data about property transactions. |
| Consumer Services | Fees from warranty products and service commissions from moving and home-setup assistance. | Monetizes the homeowner's needs during the move-in and maintenance phases of homeownership. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When After Market | Estimate -0.01 | Actual 0.1 |
Profitability
Profit Margin 1.81% | Operating Margin (TTM) 12.58% |
Management Effectiveness
Return on Assets (TTM) 3.19% | Return on Equity (TTM) 5.56% |
Valuation
Trailing PE 246.62 | Forward PE 53.19 | Enterprise Value 2.41B | Price to Sales(TTM) 4.25 |
Enterprise Value 2.41B | Price to Sales(TTM) 4.25 | ||
Enterprise Value to Revenue 4.32 | Enterprise Value to EBITDA 32.31 | Shares Outstanding 114.33M | Shares Floating 90.30M |
Shares Outstanding 114.33M | Shares Floating 90.30M | ||
Percent Insiders 22.04 | Percent Institutions 79.38 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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