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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Porch Group's Debt-to-EBITDA or its related term are showing as below:
PRCH'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -4.41 Med: -1.04 Max: 22.12
Current: 4.85
During the past 7 years, the highest Debt-to-EBITDA Ratio of Porch Group was 22.12. The lowest was -4.41. And the median was -1.04.
PRCH's Debt-to-EBITDA is ranked worse than 90.99% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs PRCH: 4.85
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Porch Group Debt-to-EBITDA Related Terms
Porch Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Porch Group's Debt-to-EBITDA 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.
PRCH vs KMPR, UFCS, PRA: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Porch Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Porch Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Porch Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Porch Group (PRCH) has a Debt-to-EBITDA of 4.26 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Porch Group. According to the industry distribution chart, Porch Group ranks #293 out of 322 companies in the Insurance industry, placing it in the top 91%.
Is Porch Group's Debt-to-EBITDA too high?
Porch Group's current Debt-to-EBITDA is 4.26. The Insurance industry median Debt-to-EBITDA is 1.19. Porch Group's value of 4.26 is 259.5% above this industry median. Based on the distribution chart, Porch Group ranks #293 out of 322 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 Debt-to-EBITDA compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Porch Group ranks #293 out of 322 companies for Debt-to-EBITDA. This places Porch Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Porch Group's value of 4.26 is 259.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porch Group's current Debt-to-EBITDA of 4.26 is 259.5% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Porch Group. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porch Group's current Debt-to-EBITDA is 4.26. 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 $13.75 — trading 245.5% above its estimated fair value. The current Debt-to-EBITDA is 4.26 and 259.5% above the Insurance industry median of 1.19. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Porch Group (PRCH), the current Debt-to-EBITDA is 4.26 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 $13.75 is trading 245.5% above its estimated GF Value™ of $3.98.
GuruFocus considers Porch Group to be Significantly Overvalued.
Key valuation signals for PRCH:
Debt-to-EBITDA: 4.26
GF Value™: $3.98 vs. price of $13.75 (245.5% above fair value)
Industry Position: 259.5% above the Insurance median (#293 of 322)
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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