Porch Group, Inc. (PRCH) Stock Price & Analysis
Porch Group, Inc. (PRCH) closed at USD 17.73 on Friday, October 23, 2026, down 1.17% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 17.94; the Oct 23, 2026 session ranged USD 17.65–18.29 on volume of 1,216,999 shares. Market capitalization is $2.01B, with a 52-week range of USD 6.36–18.75 (NCM). Source: Nexqual, retrieved October 24, 2026 at 14:22 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PRCH.md
Key facts (PRCH)
- Last four reported quarters (through Jun 30, 2026): revenue $520M, net income -$13.4M (-2.6% margin), free cash flow $95.6M (SEC filings).
- Insider open-market sales, last ~7 months: 54 Form 4 filings, $28.6M; 43 not under a Rule 10b5-1 plan ($23.8M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Total return with dividends: 1Y +8.3% vs S&P 500 +13.4%; 5Y -15.7% vs S&P 500 +76.9%.
- Next earnings: 2026-10-28, EPS estimate USD 0.02, revenue estimate $133M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PRCH)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $192M | $276M | $430M | $438M | $482M | $520M |
| Gross profit | $134M | $168M | $201M | $202M | $340M | — |
| Operating income | -$83.4M | -$177M | -$190M | -$64.6M | $36.6M | $40.5M |
| Net income | -$107M | -$157M | -$134M | -$32.8M | -$3.4M | -$13.4M |
| EPS (diluted) | -$1.14 | -$1.61 | -$1.39 | -$0.33 | -$0.03 | — |
| Free cash flow | -$35.7M | -$20.1M | $33.1M | -$32.2M | $66.0M | $95.6M |
| Gross margin | 69.5% | 61.0% | 46.7% | 46.1% | 70.5% | — |
| Operating margin | -43.3% | -64.2% | -44.2% | -14.7% | 7.6% | 7.8% |
| Net margin | -55.4% | -56.7% | -31.1% | -7.5% | -0.7% | -2.6% |
| Revenue growth | +166.2% | +43.4% | +55.9% | +1.8% | +10.2% | — |
| Cash + short-term investments | $325M | $252M | $294M | $192M | $57.3M | — |
| Total debt | $415M | $442M | $436M | $404M | $393M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PRCH)
Insider sales (SEC Form 4, open-market, last ~7 months) (PRCH)
11 of 54 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-20 | Reierson Amanda L | Director | 7,418 | $133K | 6.1% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-10-20 | Neagle Matthew | Chief Operating Officer | 31,250 | $563K | 1.7% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-10-16 | Reierson Amanda L | Director | 5,000 | $90K | 4% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-10-16 | Neagle Matthew | Chief Operating Officer | 40,625 | $713K | 2.2% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-10-06 | Reierson Amanda L | Director | 8,501 | $153K | 6.3% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-10-05…2026-10-06 | Tabak Shawn | CHIEF FINANCIAL OFFICER | 9,436 | $162K | 4.4% | No | Too little history (no open-market trades in 2023) |
| 2026-10-05…2026-10-06 | Neagle Matthew | Chief Operating Officer | 35,199 | $607K | 1.9% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2025-10-06…2026-10-06 | Ehrlichman Matt | CEO, CHAIRMAN AND FOUNDER | 70,335 | $1.2M | 0.3% | No | Too little history (no open-market trades in 2024) |
| 2026-10-01 | Neagle Matthew | Chief Operating Officer | 40,625 | $678K | 2.1% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-14 | Reierson Amanda L | Director | 33,135 | $545K | 19.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-14 | Neagle Matthew | Chief Operating Officer | 50,000 | $823K | 2.5% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-05 | Tabak Shawn | CHIEF FINANCIAL OFFICER | 25,000 | $405K | 10.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-07-02 | Tabak Shawn | CHIEF FINANCIAL OFFICER | 25,000 | $403K | 9.4% | Yes | Too little history (no open-market trades in 2023) |
| 2026-06-02 | Tabak Shawn | CHIEF FINANCIAL OFFICER | 3,944 | $43K | 1.5% | No | Too little history (no open-market trades in 2023) |
| 2026-05-26 | Tabak Shawn | CHIEF FINANCIAL OFFICER | 30,000 | $303K | 10% | Yes | Too little history (no open-market trades in 2023) |
| 2026-05-20 | Ehrlichman Matt | CEO, CHAIRMAN AND FOUNDER | 120,368 | $1.2M | 0.5% | No | Too little history (no open-market trades in 2024) |
| 2026-05-20 | Neagle Matthew | Chief Operating Officer | 62,344 | $609K | 3% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-20 | Tabak Shawn | CHIEF FINANCIAL OFFICER | 10,881 | $106K | 3.5% | No | Too little history (no open-market trades in 2023) |
| 2026-05-15 | Ehrlichman Matt | CEO, CHAIRMAN AND FOUNDER | 115,805 | $1.2M | 0.5% | No | Too little history (no open-market trades in 2024) |
| 2026-05-15 | Neagle Matthew | Chief Operating Officer | 59,983 | $620K | 2.8% | No | Too little history (no open-market trades in 2023 or 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (PRCH)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-14 | B. Riley Securities | Target raised | Buy | $21 → $24 |
| 2026-10-14 | Craig-Hallum | Target raised | Buy | $20 → $22 |
| 2026-09-25 | Cantor Fitzgerald | Target raised | Overweight | $18 → $20 |
| 2026-08-03 | B. Riley Securities | Target raised | Buy | $19 → $21 |
| 2026-07-30 | Benchmark | Target raised | Buy | $22 → $23 |
| 2026-07-30 | Cantor Fitzgerald | Target raised | Overweight | $13 → $18 |
| 2026-07-30 | Keefe, Bruyette & Woods | Target raised | Market Perform | $16.25 → $16.5 |
| 2026-07-13 | Keefe, Bruyette & Woods | Downgrade | Outperform → Market Perform | $13 → $16.25 |
Total return (dividends reinvested) (PRCH)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +8.3% | -15.7% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +8.3% | -3.4% |
| Volatility (annualized) | 74.8% | 109.3% |
| Max drawdown | -61.0% (Oct 2025→Feb 2026) | -97.8% (Nov 2021→Oct 2023) |
PRCH revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Reciprocal | $92.0M | 65.3% | +15.4% |
| Software & Data | $20.8M | 14.7% | -5.6% |
| Consumer Services | $18.1M | 12.9% | +2.7% |
| Insurance Services | $10.0M | 7.1% | +48.6% |
| Total revenue | $140.9M | 100% | — |
PRCH revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Recurring | $124.3M | 88.3% | +24.5% |
| Insurance Carrier | $59.6M | 42.3% | +7.6% |
| Transactional | $9.8M | 7.0% | +6.7% |
| Total revenue | $140.9M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
PRCH suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | Aon Re | “In January 2024, we entered into a business collaboration agreement with Aon.” |
Quoted from the company's 10-K filed Feb 20, 2026.
PRCH company outlook (results filed Jul 29, 2026)
- “Financial guidance represents the businesses owned by Porch, and does not include the future expected results of the Reciprocal which is owned by its policyholder-members and not by Porch.”
- “Porch provides full year 2026 guidance based on current market conditions, assumptions, and expectations as of the date of this release.”
Quoted word-for-word from the SEC 8-K results press release.
PRCH analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.02 | $0.01 | +211.1% | $133.4M | 3 |
| Next quarter (ends Dec 2026) | $0.05 | $0.02 | +150.0% | $139.4M | 3 |
| Current fiscal year (ends Dec 2026) | $0.08 | $-0.04 | -300.0% | $514.1M | 3 |
| Next fiscal year (ends Dec 2027) | $0.31 | $0.13 | +136.5% | $618.9M | 4 |
PRCH options: expected move
Options price a move of about ±21.9% (±$3.88) by Nov 20, 2026, which includes earnings on Oct 28, 2026. Over the last 8 reports the stock moved ±38% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 27 | 99.7% | ±21.9% |
| Dec 18, 2026 | 55 | 85.4% | ±26.6% |
| Jan 15, 2027 | 83 | 75.7% | ±28.8% |
| Feb 19, 2027 | 118 | 77.9% | ±35.0% |
| May 21, 2027 | 209 | 78.4% | ±46.4% |
30-day implied volatility 95.4% vs 38% realized over the last 30 trading days. Put/call ratio (volume) 1.31. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 24, 2026 at 14:22 UTC)
| Price | USD 17.73 |
|---|---|
| Change | ▼ 1.17% (down) |
| Previous Close | USD 17.94 |
| Open | USD 17.86 |
| Day Range | USD 17.65 – 18.29 |
| 52-Week Range | USD 6.36 – 18.75 |
| Volume | 1,216,999 shares |
| Market Cap | $2.01B |
| Exchange | NCM |
Technical Analysis (PRCH)
Nexqual's technical model rates PRCH "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of October 24, 2026 at 14:22 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 54.28 (neutral) |
| vs SMA50 | Above (USD 17.08) |
| MACD | 0.35 (positive) |
Earnings (PRCH)
| Next Earnings Date | 2026-10-28 |
|---|---|
| Revenue Estimate | $133.44M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.05 vs est -0.02 ▲ beat |
| 2026-03-31 | USD -0.04 vs est -0.11 ▲ beat |
| 2025-12-31 | USD -0.03 vs est -0.07 ▲ beat |
| 2025-09-30 | USD -0.1 vs est -0.05 ▼ miss |
Source: Nexqual, October 24, 2026 at 14:22 UTC.
Financials & Fundamentals (PRCH)
| Total Revenue | $513.60M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.70% |
| Gross Margin | +72.10% |
| Operating Margin | -2.92% |
| Profit Margin | -2.62% |
| ROE | -103.32% |
| Debt / Equity | 20.92 |
| Current Ratio | 2.74 |
| Total Cash | $217.88M |
| Total Debt | $405.28M |
Source: Nexqual, October 24, 2026 at 14:22 UTC.
Ownership (PRCH)
| Insider Ownership | +22.31% |
|---|---|
| Institutional Ownership | +77.86% |
| Shares Outstanding | 113.52M |
| Float | 88.88M |
| Short % of Float | +21.84% |
Source: Nexqual, October 24, 2026 at 14:22 UTC.
From Porch Group, Inc.'s Latest SEC 10-K Filing (filed 2026-02-20)
Key Strengths & Strategy (as disclosed to the SEC)
- Porch Group Media is a leading provider of data solutions, including Home Factors, our unique property insights product.
- Our deep relationships and proprietary data give us unique visibility into approximately 90% of U.S. homes, enabling superior risk assessment and competitive pricing.
- Our unique property data from Home Factors enhances our underwriting models and, where applicable, helps create a pricing advantage for well-maintained homes and prevent adverse selection for poorly maintained homes.
- We know when homebuyers are moving approximately six weeks before they move due to our unique early insight.
Legal & Regulatory Risks (Item 1A, quoted)
- The insurance businesses we manage and operate are subject to state governmental regulation, which could limit the growth of the insurance businesses and impose additional costs on the Reciprocal and HOA.
- The processing, storage, use and disclosure of personal data is subject to a variety of federal and state laws and regulations and could give rise to liabilities and increased costs.
- We are subject to payment network rules, and any material modification of our payment card acceptance privileges could have a material adverse effect on our business, results of operations, and financial condition.
- The federal government may also regulate aspects of the insurance businesses we manage and operate, such as protection of consumer confidential information, or the use of consumer credit scores to underwrite and assess the risk of customers under the Fair Credit Reporting Act ("FCRA").
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| HMN | Horace Mann Educators Corporati | USD 46.3 | ▼ 2.26% |
| HCI | HCI Group, Inc. | USD 204.06 | ▼ 1.27% |
| SKWD | Skyward Specialty Insurance Gro | USD 60.39 | ▼ 2.85% |
| SLDE | Slide Insurance Holdings, Inc. | USD 28.55 | ▲ 2.88% |
| LMND | Lemonade, Inc. | USD 44.92 | ▼ 1.08% |
| PLMR | Palomar Holdings, Inc. | USD 141.78 | ▼ 1.9% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 14:22 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt