PRCH

Porch GroupA

Nasdaq / Software & Services

At close

2026-07-22

Current thesis

The bull case is that Porch is showing an insurance-led compounding model with strong gross margins, higher surplus capacity, faster agency expansion, and a raised full-year outlook; if quote conversion and underwriting remain favorable, the market can keep re-rating the stock toward the upper end of the target range.

Posture

Constructive

Lead driver

Momentum

What changed

Next scheduled catalyst: earnings 2026-07-29 · AMC.

What can break

Early Porch Insurance and Home Factors rollouts are expected to contribute only modest revenue in 2026, so near-term breadth of growth is limited.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $11.00 · Bull $14.75 · Bear $7.25

Earnings

2026-07-29 · AMC

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-06-06 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net Neutral

Target $16.75

Why

Momentum98 · Δ7d +1.0

Value56 · Δ7d +0.5

Sentiment40 · Δ7d +3.4

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

+1.0

Δ21d

+4.6

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.5

Δ21d

+2.0

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+3.4

Δ21d

+8.8

Why this grade

Composite grade A. Momentum 98.3 / Value 56.1 / Sentiment 40.0

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$1.41B

Beta

3.06

Shares Out

109.4M

P/E (TTM)

32.1

P/S (TTM)

2.66

P/FCF (TTM)

49.28

Rev YoY

+15.6%

EPS YoY

-159.9%

Gross Margin

+63.6%

Op Margin

+12.7%

Net Debt

$205.32M

Current Ratio

0.27

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology