Porch Group Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $468.6M+49.6% YoYTTM through 30 Jun 2026
Net Income -$13.4MTTM through 30 Jun 2026
Free Cash Flow $95.6MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 7.6% |
| Net Margin | -2.9% |
Returns
58.2%ROE
1.9%ROA
-4.1%ROIC
Balance Sheet Health
Debt / Equity18.06x
Current Ratio1.45x
Net Debt$422.8M
Cash & Equivalents$64.2M
Quality Metrics
Altman Z-Score1.12
Piotroski F-Score6 / 9
FCF Margin20.4%
Rule of 4030.1
Earnings-Beat Rate75.0%
Multi-Year Trend
RevenueFY2025: $482.4M
Diluted EPS-$0.12TTMFY2025: $-0.03
Dividend
No dividend
Capital Allocation
Capex Intensity0.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Insurance Services | $266.7M | +69.8% | View detailsPositioned to further scale Reciprocal Written Premium in 2026 with a target of $600 million. |
| Software & Data | View detailsExpected to deliver modest positive Adjusted EBITDA in 2026. | ||
| Consumer Services | View detailsExpected to operate near breakeven in 2026. |
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