Porch Group, Inc.
PRCHNasdaqTechnology · Services-Prepackaged Software · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $418.9M | $313.3M | $287.5M | $275.9M | $192.4M | $72.3M |
| Operating income | $36.6M | −$64.6M | −$190.4M | −$177.0M | −$83.4M | −$42.2M |
| Net income | −$3.4M | −$32.8M | −$133.9M | −$156.6M | −$106.6M | −$54.0M |
| Total assets | $797.4M | $814.0M | $899.4M | $1.05B | $1.04B | $268.4M |
| Total liabilities | $775.0M | $857.2M | $935.1M | $969.7M | $821.7M | $161.1M |
| Equity | −$24.6M | −$43.2M | −$35.7M | $79.4M | $217.0M | $107.3M |
| EPS (diluted) | $-0.03 | $-0.33 | $-1.39 | $-1.61 | $-1.14 | $-2.03 |
| Shares out. | 120.1M | 97.6M | 97.0M | 98.1M | 89.4M | 81.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 8.7%
- Net margin
- −0.8%
- Return on equity
- 13.7%
- Return on assets
- −0.4%
- Return on capital (ROCE)
- 5.0%
- Liabilities / assets
- 97.2%
- Debt / equity
- —
- Book value / share
- $-0.21
- Revenue growth (YoY)
- 33.7%
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Altman Z″ (distress)
- -2.21distress
- Accruals / assets
- −8.8%clean
- Beneish M-Score
- -3.11normal
- Piotroski F-Score
- 7/9strong
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 3 severe● 2 warning● 4 good- Negative shareholder equity
- Altman Z″ in the distress zone
- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Reported a net loss
- High leverage (liabilities > 70% of assets)
- Operating margin is positive
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 1, 2022
- NT 10-Qmissed a reporting deadline ↗May 17, 2021
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Ehrlichman MattActivist (13D)May 27, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Granahan Investment Management, LlcPassive (13G)Dec 5, 2025
- Blackrock, Inc.Passive (13G)Oct 17, 2025
- Fmr LlcPassive (13G)May 12, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Tabak ShawnOfficer — CHIEF FINANCIAL OFFICER | May 26, 2026 | Sell | 30,000 | $10.08 |
| Ehrlichman MattOfficer — CEO, CHAIRMAN AND FOUNDER | May 20, 2026 | Sell | 120,368 | $9.78 |
| Neagle MatthewOfficer — Chief Operating Officer | May 20, 2026 | Sell | 62,344 | $9.78 |
| Tabak ShawnOfficer — CHIEF FINANCIAL OFFICER | May 20, 2026 | Sell | 10,881 | $9.78 |
| Ehrlichman MattOfficer — CEO, CHAIRMAN AND FOUNDER | May 15, 2026 | Sell | 115,805 | $10.34 |
| Neagle MatthewOfficer — Chief Operating Officer | May 15, 2026 | Sell | 59,983 | $10.34 |
| Tabak ShawnOfficer — CHIEF FINANCIAL OFFICER | May 15, 2026 | Sell | 10,467 | $10.34 |
| Ehrlichman MattOfficer — CEO, CHAIRMAN AND FOUNDER | May 12, 2026 | Sell | 122,881 | $10.52 |
| Neagle MatthewOfficer — Chief Operating Officer | May 12, 2026 | Sell | 63,650 | $10.52 |
| Tabak ShawnOfficer — CHIEF FINANCIAL OFFICER | May 12, 2026 | Sell | 11,107 | $10.52 |
| Ehrlichman MattOfficer — CEO, CHAIRMAN AND FOUNDER | May 8, 2026 | Sell | 116,303 | $11.12 |
| Neagle MatthewOfficer — Chief Operating Officer | May 8, 2026 | Sell | 60,240 | $11.12 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 16.2M | 7.7 | -4.9% |
| Apr 30, 2026 | 17.0M | 6.3 | -1.1% |
| Apr 15, 2026 | 17.2M | 13.5 | -5.4% |
| Mar 31, 2026 | 18.2M | 17.1 | +6.8% |
| Mar 13, 2026 | 17.0M | 16.0 | +4.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Results of operations · Regulation FD disclosureApr 28, 2026
- Results of operations · Regulation FD disclosureFeb 11, 2026
- Results of operations · Regulation FD disclosureNov 5, 2025
- Results of operations · Regulation FD disclosureAug 5, 2025
- Shareholder voteJun 16, 2025
- Entered a material agreement · New financial obligation · Unregistered equity sale · Regulation FD disclosure · Other material eventMay 28, 2025
- Entered a material agreement · Unregistered equity sale · Regulation FD disclosureMay 20, 2025
- Results of operations · Regulation FD disclosureMay 6, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.