Porch Group, Inc. (PRCH)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-10-29
$20.56-1.58%
Close 2026-10-30 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-10-29
Research Workspace
Put PRCH beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Property & Casualty Insurance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Gross profit reaches at least $401 million in 2026: Gross margin: 74.98%.
View ThesisRevenue growth is accelerating — up about 20% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityManagement screens weak on capital allocation, earnings delivery, the balance sheet.
View ManagementExpectations look high — the market is pricing in about 66% growth a year, above the roughly 15% analysts expect, leaving little room for error.
View ValuationThis stock is highly volatile — it swings about 2% on a typical day and fell roughly 60% in its worst 12-month stretch.
View RiskPRCH's Reciprocal insurance operations must scale to support a valuation far above peer multiples. Revenue grew 12% year over year in Q2 FY2026, which beat estimates. PRCH trades at 89× P/B versus the 2× peer median and 3× its history. The market prices in more growth than our forecast. The next-quarter miss probability is 22%, and the primary gross-profit pillar is under pressure. Its 2026 gross-profit goal is at least $401 million. Peer multiples imply a price about 66% below where it trades; the thesis is on watch. This read is provisional.
Trailing returns as of 2026-10-30. PRCH is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 7 analysts currently covering PRCH (as of Oct 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| PRCH Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 3 valuation methods, at three horizons. As of 2026-10-29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Property & Casualty Insurance — fair value, gap to price, and forward P/E.
Compare the value case
Put PRCH next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Acquire Allied Trust to expand insurance operations
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-30. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 10% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
TTM earnings are negative. P/E-based methods drop out and the estimate leans on sales- and cash-flow-based methods. A data condition, not a forward call.
Management’s 2027 targets quantify expected scale and profitability following the Allied Trust acquisition.
Advances: Scale Reciprocal premiums and policies written
Reported 42% policy growth and doubled EBITDA support Reciprocal scaling, though do not establish durability or statutory capacity.
Advances: Increase revenue guidance for 2026
Q3 earnings beat and share reaction support guidance credibility, though the headline gives no 2026 guidance details.
Advances: Increase statutory surplus at the Porch Reciprocal
Acquisition enhances statutory surplus at Porch Reciprocal.
CFO selling shares may signal lack of confidence.
Mixing SaaS and insurance poses significant operational challenges.
CEO selling stock raises concerns about future performance.