Porch GroupPRCH +6.25%64 Current Ratio is 0.82 as of Mar. 2026, which is 25% below its 10-year median of 1.10. 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 66 Insurance companies, Porch Group ranks worse than 93.94% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Porch Group's current ratio for the quarter that ended in Mar. 2026 was 0.82.
Porch Group has a current ratio of 0.82. It indicates that the company may have difficulty meeting its current obligations. Low values, however, do not indicate a critical problem. If Porch Group has good long-term prospects, it may be able to borrow against those prospects to meet current obligations.
The historical rank and industry rank for Porch Group's Current Ratio or its related term are showing as below:
PRCH'
s Current Ratio Range Over the Past 10 Years
Min: 0.18 Med: 1.1 Max: 7.07
Current: 0.82
During the past 7 years, Porch Group's highest Current Ratio was 7.07. The lowest was 0.18. And the median was 1.10.
PRCH's Current Ratio is ranked worse than 93.94% of 66
companies
in the Insurance industry
Industry Median: 1.675
vs PRCH: 0.82
Porch Group (NAS:PRCH) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Porch Group Current Ratio Related Terms
Porch Group Current Ratio Historical Data
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The historical data trend for Porch Group's Current 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 Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Porch Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where Porch Group's Current 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 Current Ratio of 0.82 as of Mar. 2026. This is 25% below median its historical median of 1.10. Over the past decade, Porch Group's Current Ratio has ranged from 0.18 to 7.07. According to the industry distribution chart, Porch Group ranks #62 out of 66 companies in the Insurance industry, placing it in the top 93.9%.
Is Porch Group's Current Ratio too high?
Porch Group's current Current Ratio of 0.82 is 25% below median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 7.07. The Insurance industry median Current Ratio is 1.68. Porch Group's value of 0.82 is 51% below this industry median. Based on the distribution chart, Porch Group ranks #62 out of 66 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Current Ratio compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Porch Group ranks #62 out of 66 companies for Current Ratio. This places Porch Group in the lower half of its industry. The industry median Current Ratio is 1.68. Porch Group's value of 0.82 is 51% below this benchmark. Historically, Porch Group's own Current Ratio has ranged from 0.18 to 7.07 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 1.68, 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 Current Ratio for an Insurance company?
The median Current Ratio among Insurance companies is 1.68, based on 66 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porch Group's current Current Ratio of 0.82 is 51% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Current Ratio is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porch Group's current Current Ratio is 0.82, which is 25% below median its own 10-year median of 1.10. 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 $15.98 — trading 301.5% above its estimated fair value. The current Current Ratio is 0.82, which is 25% below median its 10-year median of 1.10 and 51% below the Insurance industry median of 1.68. 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 Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Porch Group (PRCH), the current Current Ratio is 0.82 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 $15.98 is trading 301.5% above its estimated GF Value™ of $3.98.
GuruFocus considers Porch Group to be Significantly Overvalued.
Key valuation signals for PRCH:
Current Ratio: 0.82 (25% below median its 10-year median of 1.10)
GF Value™: $3.98 vs. price of $15.98 (301.5% above fair value)
Industry Position: 51% below the Insurance median (#62 of 66)
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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