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Porch Group, Inc.

PRCH Clue Score52
United States Fiscal year ends December CIK 0001784535
$17.56 +0.17% Close, 9 Oct 2026
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Price $17.56 +9.96% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 13 Jan 2020. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2019Revenue77.6Operating income−88.1Net income−103.3EPS, diluted−3.31Fiscal year 2020Revenue72.3 −6.8%Operating income−42.2Net income−54.0EPS, diluted−2.03Fiscal year 2021Revenue192.4 +166.2%Operating income−83.4Net income−106.6EPS, diluted−1.14Fiscal year 2022Revenue275.9 +43.4%Operating income−177.0Net income−156.6EPS, diluted−1.61Fiscal year 2023Revenue287.5 +4.2%Operating income−190.4Net income−133.9EPS, diluted−1.39Fiscal year 2024Revenue313.3 +9.0%Operating income−64.6Net income−32.8EPS, diluted−0.33Fiscal year 2025Revenue418.9 +33.7%Operating income36.6Net income−3.4EPS, diluted−0.03
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 77.6 72.3 192.4 275.9 287.5 313.3 418.9
Growth −6.8% +166.2% +43.4% +4.2% +9.0% +33.7%
Operating income −88.1 −42.2 −83.4 −177.0 −190.4 −64.6 36.6
Net income −103.3 −54.0 −106.6 −156.6 −133.9 −32.8 −3.4
Growth
EPS, diluted −3.31 −2.03 −1.14 −1.61 −1.39 −0.33 −0.03

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2019Operating margin−113.6%Net margin−133.2%Free cash flow margin−38.4%Fiscal year 2020Operating margin−58.4%Net margin−74.7%Free cash flow margin−67.7%Fiscal year 2021Operating margin−43.3%Net margin−55.4%Free cash flow margin−18.6%Fiscal year 2022Operating margin−64.2%Net margin−56.7%Free cash flow margin−7.3%Fiscal year 2023Gross margin69.9%Operating margin−66.2%Net margin−46.6%Free cash flow margin11.5%Fiscal year 2024Gross margin64.5%Operating margin−20.6%Net margin−10.5%Free cash flow margin−10.3%Fiscal year 2025Gross margin81.2%Operating margin8.7%Net margin−0.8%Free cash flow margin15.7%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin n/a n/a n/a n/a 69.9% 64.5% 81.2%
Operating margin −113.6% −58.4% −43.3% −64.2% −66.2% −20.6% 8.7%
Net margin −133.2% −74.7% −55.4% −56.7% −46.6% −10.5% −0.8%
Free cash flow margin −38.4% −67.7% −18.6% −7.3% 11.5% −10.3% 15.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2019Operating cash flow−29.3Capital expenditure−0.5Free cash flow−29.8Fiscal year 2020Operating cash flow−48.7Capital expenditure−0.3Free cash flow−48.9Buybacks−0.0Dividends paid−30.0Fiscal year 2021Operating cash flow−34.8Capital expenditure−1.0Free cash flow−35.7Buybacks0.0Fiscal year 2022Operating cash flow−17.7Capital expenditure−2.4Free cash flow−20.1Buybacks−1.8Fiscal year 2023Operating cash flow33.9Capital expenditure−0.9Free cash flow33.1Buybacks−5.6Fiscal year 2024Operating cash flow−31.7Capital expenditure−0.5Free cash flow−32.2 −197.4%Buybacks0.0Fiscal year 2025Operating cash flow66.4Capital expenditure−0.5Free cash flow66.0Buybacks0.0
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −29.3 −48.7 −34.8 −17.7 33.9 −31.7 66.4
Capital expenditure −0.5 −0.3 −1.0 −2.4 −0.9 −0.5 −0.5
Free cash flow −29.8 −48.9 −35.7 −20.1 33.1 −32.2 66.0
Growth −197.4%
Buybacks n/a −0.0 0.0 −1.8 −5.6 0.0 0.0
Dividends paid n/a −30.0 n/a n/a n/a n/a n/a

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2019Cash4.2Total debt61.1Net cash (debt)−56.9Shareholders’ equity−60.0Fiscal year 2020Cash196.0Total debt48.0Net cash (debt)148.1Shareholders’ equity107.3Debt to equity0.45Fiscal year 2021Cash315.7Total debt414.7Net cash (debt)−99.0Shareholders’ equity217.0Debt to equity1.91Fiscal year 2022Cash215.1Total debt441.8Net cash (debt)−226.7Shareholders’ equity79.4Debt to equity5.57Fiscal year 2023Cash258.4Total debt435.7Net cash (debt)−177.3Shareholders’ equity−35.7Fiscal year 2024Cash167.6Total debt403.9Net cash (debt)−236.3Shareholders’ equity−43.2Fiscal year 2025Cash44.7Total debt392.8Net cash (debt)−348.2Shareholders’ equity−24.6
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 4.2 196.0 315.7 215.1 258.4 167.6 44.7
Total debt 61.1 48.0 414.7 441.8 435.7 403.9 392.8
Net cash (debt) −56.9 148.1 −99.0 −226.7 −177.3 −236.3 −348.2
Shareholders’ equity −60.0 107.3 217.0 79.4 −35.7 −43.2 −24.6
Debt to equity n/a 0.45 1.91 5.57 n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021† 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
77.6 72.3 192.4 275.9 287.5 313.3 418.9
Growth −6.8% +166.2% +43.4% +4.2% +9.0% +33.7%
21.5 17.6 58.7 107.6 229.4 235.9 142.4
n/a n/a n/a n/a 200.9 201.9 340.0
Growth +0.5% +68.4%
52.0 28.2 84.7 109.8 101.1 95.2 105.2
−88.1 −42.2 −83.4 −177.0 −190.4 −64.6 36.6
Growth
−103.2 −55.7 −116.9 −155.7 −133.3 −30.7 26.7
0.1 −1.7 −10.3 0.8 0.6 2.1 11.4
−103.3 −54.0 −106.6 −156.6 −133.9 −32.8 −3.4
Growth
Per share
−3.31 −1.96 −1.14 −1.61 −1.39 −0.33 −0.03
−3.31 −2.03 −1.14 −1.61 −1.39 −0.33 −0.03
Growth
31.2 36.3 93.9 97.4 96.1 99.6 103.7
31.2 36.4 93.9 97.4 96.1 99.6 103.7
Growth +16.7% +158.1% +3.7% −1.3% +3.7% +4.1%

† The diluted share count jumps at 2021, so per-share figures either side of that column are not comparable. Usually a split, but the break lands on the restatement boundary rather than on the split date, because every column is that period’s latest filing.

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 42.1% a year over five years.
  • Operating margin is up 67.1 points on five years ago, at 8.7%.
  • A net loss in 7 of 7 years on file.