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Porch GroupPRCH +0.36%64 Cash Ratio is 0.56 as of Mar. 2026, which is 10% below its 10-year median of 0.62. GuruFocus rates PRCH with a GF Score™ of 64/100 and a GF Value™ of $3.98 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 67 Insurance companies, Porch Group ranks worse than 59.7% on this metric.
Porch Group has a Cash Ratio of 0.56. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Porch Group's Cash Ratio or its related term are showing as below:
PRCH'
s Cash Ratio Range Over the Past 10 Years
Min: 0.07 Med: 0.62 Max: 6.28
Current: 0.56
During the past 7 years, Porch Group's highest Cash Ratio was 6.28. The lowest was 0.07. And the median was 0.62.
PRCH's Cash Ratio is ranked worse than 59.7% of 67
companies
in the Insurance industry
Industry Median: 0.88
vs PRCH: 0.56
Porch Group (NAS:PRCH) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Porch Group Cash Ratio Related Terms
Porch Group Cash Ratio Historical Data
* Premium members only.
The historical data trend for Porch Group's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Porch Group's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Porch Group Cash Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Porch Group's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Porch Group's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Porch Group (PRCH) has a Cash Ratio of 0.56 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Porch Group and its competitors. This is 10% below median its historical median of 0.62. Over the past decade, Porch Group's Cash Ratio has ranged from 0.07 to 6.28. According to the industry distribution chart, Porch Group ranks #40 out of 67 companies in the Insurance industry, placing it in the top 59.7%.
Is Porch Group's Cash Ratio too high?
Porch Group's current Cash Ratio of 0.56 is 10% below median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 6.28. The Insurance industry median Cash Ratio is 0.88. Porch Group's value of 0.56 is 36.4% below this industry median. Based on the distribution chart, Porch Group ranks #40 out of 67 companies in the Insurance industry, which is below the industry midpoint. Overall, Porch Group has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porch Group's Cash Ratio compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Porch Group ranks #40 out of 67 companies for Cash Ratio. This places Porch Group in the lower half of its industry. The industry median Cash Ratio is 0.88. Porch Group's value of 0.56 is 36.4% below this benchmark. Historically, Porch Group's own Cash Ratio has ranged from 0.07 to 6.28 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 0.88, Porch Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for an Insurance company?
The median Cash Ratio among Insurance companies is 0.88, based on 67 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porch Group's current Cash Ratio of 0.56 is 36.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Porch Group and its competitors. For the Insurance industry, the median Cash Ratio is 0.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porch Group's current Cash Ratio is 0.56, which is 10% below median its own 10-year median of 0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Porch Group stock overvalued right now?
Based on GuruFocus' analysis, Porch Group (PRCH) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.98, compared to a current price of $13.80 — trading 246.7% above its estimated fair value. The current Cash Ratio is 0.56, which is 10% below median its 10-year median of 0.62 and 36.4% below the Insurance industry median of 0.88. Porch Group's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Porch Group (PRCH), the current Cash Ratio is 0.56 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Porch Group (PRCH) Overvalued in 2026?
Based on GuruFocus' analysis, Porch Group stock appears to be overvalued.
The current stock price of $13.80 is trading 246.7% above its estimated GF Value™ of $3.98.
GuruFocus considers Porch Group to be Significantly Overvalued.
Key valuation signals for PRCH:
Cash Ratio: 0.56 (10% below median its 10-year median of 0.62)
GF Value™: $3.98 vs. price of $13.80 (246.7% above fair value)
Industry Position: 36.4% below the Insurance median (#40 of 67)
No single metric tells the full story. See the PRCH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Porch Group Inc is a vertical software company reinventing the home services and insurance industries. It has four reportable segments: Insurance Services, Software & Data, Consumer Services, and Corporate. The majority of revenue is from the Insurance segment. The Insurance Services segment manages and operates the Reciprocal, providing services related, but not limited, to underwriting, policy renewal, risk management, insurance portfolio management, financial management, and setting investment guidelines in exchange for commissions and fees.
64GF Score
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