Porch Group Inc (PRCH) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Porch Group Inc $8.15, price $16.61, upside -50.9%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Porch Group Inc
PRCH · USStretched ValuationStrong overvaluation with only moderate quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $0.5250 – $25.66 · fair‑value band $3.41 – $14.28 · the $16.61 price screens above the $8.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
Porch Group, Inc. develops and sells software and data solutions, manages insurance services, and provides consumer services related to homeownership in the United States. It operates through four segments: Insurance Services, Software & Data, Consumer Services, and the Reciprocal Segment.
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Porch Group, Inc. develops and sells software and data solutions, manages insurance services, and provides consumer services related to homeownership in the United States. It operates through four segments: Insurance Services, Software & Data, Consumer Services, and the Reciprocal Segment. The Insurance Services segment manages and operates Porch Reciprocal Exchange, providing services including underwriting, policy renewal, risk management, portfolio management, financial oversight, and investment guideline setting. The Software & Data segment offers subscription and transactional software for inspection, mortgage, title, and roofing companies, as well as data products for insurance and other companies, including home inspection software, title and mortgage software, home factors property insights, and mover marketing products; measurement software for roofers; and move and post-move services. The Consumer Services segment provides warranty products under Porch Warranty and other brands, and moving-related services such as moving labor, TV/Internet, and security setup. The Reciprocal Segment, managed but not owned by Porch, includes Homeowners of America and Porch Reciprocal Exchange, which provides consumers with insurance to protect their homes, through premiums collected on policies. The company was founded in 2011 and is headquartered in Seattle, Washington.
Stock analysis
Porch Group Inc (PRCH) currently trades at $16.61, while our model-based Fair Value estimate is $8.15, implying the stock looks roughly 103.8% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $10.18 per share, and 0 of the 19 models we run sit above the $16.61 price.
Bear case: the Earnings-Based group reads lowest at $3.70, and 19 of the 19 models stay below the price. Evidence for this calculation is low.
Scenario range: $3.41 (bear) to $14.28 (bull), the price of $16.61 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Porch Group Inc reported revenue of $482M in FY2025 versus $192M in FY2021, a compound +25.8%/yr. Reported net income was $15.3M in FY2025.
Key figures
Market cap $1.7B · P/S ratio 2.72 · EPS (TTM) $−0.1500 · Net margin 3.2% · Return on equity −15,311% · Return on assets (EBIT) −9.9% · Operating margin 9.7% · Revenue (TTM) $499M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 160% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at −51%, PRCH screens richer than that median.
Fair Value models
All 19 models by family
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Set up alert →Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 44
Revenue & earnings trend
Growth Forecast
PRCH screens 104% overvalued. Compare with The Progressive Corporation →
Compare Porch Group Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 119 stocks
Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $206.94 | $160.25 | −23% |
| Chubb Limited CB | $335.77 | $234.73 | −30% |
| The Travelers Companies, Inc TRV | $362.01 | $274.42 | −24% |
| The Allstate Corporation ALL | $229.50 | $316.11 | +38% |
| The People's Insurance Company 601319 | ¥8.17 | ¥9.57 | +17% |
| Intact Financial Corporation IFC | C$254.29 | C$167.46 | −34% |
| Fairfax Financial Holdings FFH | C$2,260 | C$3,226 | +43% |
| Cincinnati Financial Corporation CINF | $165.83 | $146.70 | −12% |
| W. R. Berkley Corporation WRB | $68.17 | $47.08 | −31% |
| QBE Insurance Group QBE | A$23.01 | A$13.78 | −40% |
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Key figures of Porch Group Inc
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