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Porch GroupPRCH +0.89%67 Cash-to-Debt is 0.54 as of Jun. 2026, which is 16% below its 10-year median of 0.64. GuruFocus rates PRCH with a GF Score™ of 67/100 and a GF Value™ of $5.68 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 496 Insurance companies, Porch Group ranks worse than 76.01% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Porch Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.54.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Porch Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Porch Group's Cash-to-Debt or its related term are showing as below:
PRCH'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.64 Max: No Debt
Current: 0.54
During the past 7 years, Porch Group's highest Cash to Debt Ratio was No Debt. The lowest was 0.07. And the median was 0.64.
PRCH's Cash-to-Debt is ranked worse than 76.01% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs PRCH: 0.54
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Porch Group Cash-to-Debt Related Terms
Porch Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Porch Group's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Property & Casualty subindustry, Porch Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Porch Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Porch Group's Cash-to-Debt 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-to-Debt of 0.54 as of Jun. 2026. This is 16% below median its historical median of 0.64. Over the past decade, Porch Group's Cash-to-Debt has ranged from 0.07 to 10,000.00. According to the industry distribution chart, Porch Group ranks #377 out of 496 companies in the Insurance industry, placing it in the top 76%.
Is Porch Group's Cash-to-Debt too high?
Porch Group's current Cash-to-Debt of 0.54 is 16% below median its 10-year median of 0.64. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 10,000.00. The Insurance industry median Cash-to-Debt is 2.12. Porch Group's value of 0.54 is 74.5% below this industry median. Based on the distribution chart, Porch Group ranks #377 out of 496 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Porch Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porch Group's Cash-to-Debt compare to HMN and STC?
According to the Insurance industry distribution chart, Porch Group ranks #377 out of 496 companies for Cash-to-Debt. This places Porch Group in the lower half of its industry. The industry median Cash-to-Debt is 2.12. Porch Group's value of 0.54 is 74.5% below this benchmark. Historically, Porch Group's own Cash-to-Debt has ranged from 0.07 to 10,000.00 over the past decade. While the company's 10-year median is 0.64 vs. the industry median of 2.12, 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-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.12, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porch Group's current Cash-to-Debt of 0.54 is 74.5% 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porch Group's current Cash-to-Debt is 0.54, which is 16% below median its own 10-year median of 0.64. 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 $5.68, compared to a current price of $16.45 — trading 189.6% above its estimated fair value. The current Cash-to-Debt is 0.54, which is 16% below median its 10-year median of 0.64 and 74.5% below the Insurance industry median of 2.12. Porch Group's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Porch Group (PRCH), the current Cash-to-Debt is 0.54 as of Jun. 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 $16.45 is trading 189.6% above its estimated GF Value™ of $5.68.
GuruFocus considers Porch Group to be Significantly Overvalued.
Key valuation signals for PRCH:
Cash-to-Debt: 0.54 (16% below median its 10-year median of 0.64)
GF Value™: $5.68 vs. price of $16.45 (189.6% above fair value)
Industry Position: 74.5% below the Insurance median (#377 of 496)
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.
67GF Score
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