Porch Group

PRCH

Insurance - Property & Casualty · Financial Services

Exchange

NASDAQ

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Mixed

Cash Flow

Mixed

Stability

Weak

Valuation

Data not available

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Winston Score History

The full picture

Porch Group is a software and insurance company that helps people when they move into a new home. It offers services like home inspections, moving help, and home warranties, and it sells homeowners insurance through its own insurance carrier. The company's main customers are people buying or moving into homes, and it works closely with home inspectors and real estate companies to reach them.

Porch makes money by charging for software subscriptions used by home inspectors, earning premiums from its insurance products, and taking fees from home services like moving and warranties. It operates mainly in the United States and had roughly $400 million in annual revenue in recent periods. Its edge comes from connecting with homeowners at the moment they move — a time when people buy lots of new services — but its main risk is exposure to catastrophic weather events and rising claims costs, which have pressured its insurance business in recent years.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+18.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+101.6% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

22.0%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$145M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Porch Group is a rare growth stock that's already generating positive cash flow while growing at 18%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

62.2%

Premium pricing power — 62.2% gross margin

Profit after running costs

Operating Margin

-2.9%

Losing money on operations — -2.9%

Return on the money invested

ROCE

9.5%

Below par — 9.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+15.8%

Fast-growing sales (+15.8% YoY)

Profit growth

EPS YoY

-122.5%

Earnings shrinking (-122.5% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

16.6%

Converts sales into free cash efficiently (16.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

20.93

Heavy debt load (20.93)

Covers its interest

Interest Cover

0.70x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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