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Porch GroupPRCH -0.87%65 Debt-to-Equity is -15.71 as of Mar. 2026. GuruFocus rates PRCH with a GF Score™ of 65/100 and a GF Value™ of $3.98 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 406 Insurance companies, Porch Group ranks worse than 246305.17% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Porch Group's Debt-to-Equity or its related term are showing as below:
PRCH'
s Debt-to-Equity Range Over the Past 10 Years
Min: -15.96 Med: -2.65 Max: 9.68
Current: -15.71
During the past 7 years, the highest Debt-to-Equity Ratio of Porch Group was 9.68. The lowest was -15.96. And the median was -2.65.
PRCH's Debt-to-Equity is not ranked
in the Insurance industry.
Industry Median: 0.2
vs PRCH: -15.71
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Porch Group Debt-to-Equity Related Terms
Porch Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Porch Group's Debt-to-Equity 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-Equity Comparison
For the Insurance - Property & Casualty subindustry, Porch Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Porch Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Porch Group's Debt-to-Equity 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 Debt-to-Equity of -15.71 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Porch Group and its competitors. According to the industry distribution chart, Porch Group ranks #999999 out of 406 companies in the Insurance industry.
Is Porch Group's Debt-to-Equity too high?
Porch Group's current Debt-to-Equity is -15.71. Based on the distribution chart, Porch Group ranks #999999 out of 406 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Porch Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porch Group's Debt-to-Equity compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Porch Group ranks #999999 out of 406 companies for Debt-to-Equity. This places Porch Group in the lower half of its industry. The industry median Debt-to-Equity is 0.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Porch Group and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porch Group's current Debt-to-Equity is -15.71. 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 $13.68 — trading 243.6% above its estimated fair value. The current Debt-to-Equity is -15.71. Porch Group's overall GF Score™ is 65/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Porch Group (PRCH), the current Debt-to-Equity is -15.71 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 $13.68 is trading 243.6% above its estimated GF Value™ of $3.98.
GuruFocus considers Porch Group to be Significantly Overvalued.
Key valuation signals for PRCH:
Debt-to-Equity: -15.71
GF Value™: $3.98 vs. price of $13.68 (243.6% above fair value)
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.
65GF Score
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