Porch GroupFRA:32RD -5.69%62 Piotroski F-Score is 5 as of Jul. 08, 2026, which is 25% above its 10-year median of 4.00. GuruFocus rates FRA:32RD with a GF Score™ of 62/100 and a GF Value™ of €3.51 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 485 Insurance companies, Porch Group ranks worse than 58.14% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Porch Group has an F-score of 5 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Porch Group's Piotroski F-Score or its related term are showing as below:
FRA:32RD'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 4 Max: 8
Current: 5
During the past 7 years, the highest Piotroski F-Score of Porch Group was 8. The lowest was 2. And the median was 4.
Porch Group (FRA:32RD) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Porch Group Piotroski F-Score Related Terms
Porch Group Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Porch Group's Piotroski F-Score 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.
FRA:32RD vs KMPR, UFCS, PRA: Piotroski F-Score Comparison
For the Insurance - Property & Casualty subindustry, Porch Group's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Insurance Industry
For the Insurance industry and Financial Services sector, Porch Group's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Porch Group's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Porch Group's current Net Income (TTM) was -14.1.
==> Negative ==> Score 0.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Porch Group's return on assets of this year was -0.01894727. Porch Group's return on assets of last year was -0.01224982.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Porch Group's gearing of this year was 0.48905316. Porch Group's gearing of last year was 0.48208429.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Porch Group's current ratio of this year was 0.82159501. Porch Group's current ratio of last year was 0.99192785.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Porch Group's number of shares in issue this year was 106.073. Porch Group's number of shares in issue last year was 113.304.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Porch Group's gross margin of this year was 0.80005266. Porch Group's gross margin of last year was 0.53951893.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Porch Group's asset turnover of this year was 0.60897007. Porch Group's asset turnover of last year was 0.51225229.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Porch Group has an F-score of 5 indicating the company's financial situation is typical for a stable company.
Porch Group (FRA:32RD) has a Piotroski F-Score of 5 as of Jul. 08, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Porch Group and its competitors. This is 25% above median its historical median of 4.00. Over the past decade, Porch Group's Piotroski F-Score has ranged from 2.00 to 8.00. According to the industry distribution chart, Porch Group ranks #282 out of 485 companies in the Insurance industry, placing it in the top 58.1%.
Is Porch Group's Piotroski F-Score too high?
Porch Group's current Piotroski F-Score of 5 is 25% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. The Insurance industry median Piotroski F-Score is 6.00. Porch Group's value of 5 is 16.7% below this industry median. Based on the distribution chart, Porch Group ranks #282 out of 485 companies in the Insurance industry, which is below the industry midpoint. Overall, Porch Group has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porch Group's Piotroski F-Score compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Porch Group ranks #282 out of 485 companies for Piotroski F-Score. This places Porch Group in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Porch Group's value of 5 is 16.7% below this benchmark. Historically, Porch Group's own Piotroski F-Score has ranged from 2.00 to 8.00 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 6.00, 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 Piotroski F-Score for an Insurance company?
The median Piotroski F-Score among Insurance companies is 6.00, based on 485 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Porch Group's current Piotroski F-Score of 5 is 16.7% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Porch Group and its competitors. For the Insurance industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porch Group's current Piotroski F-Score is 5, which is 25% above median its own 10-year median of 4.00. 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 (FRA:32RD) is currently considered Significantly Overvalued. The stock's GF Value™ is €3.51, compared to a current price of €12.92 — trading 268.1% above its estimated fair value. The current Piotroski F-Score is 5, which is 25% above median its 10-year median of 4.00 and 16.7% below the Insurance industry median of 6.00. Porch Group's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Porch Group (FRA:32RD), the current Piotroski F-Score is 5 as of Jul. 08, 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 (FRA:32RD) Overvalued in 2026?
Based on GuruFocus' analysis, Porch Group stock appears to be overvalued.
The current stock price of €12.92 is trading 268.1% above its estimated GF Value™ of €3.51.
GuruFocus considers Porch Group to be Significantly Overvalued.
Key valuation signals for FRA:32RD:
Piotroski F-Score: 5 (25% above median its 10-year median of 4.00)
GF Value™: €3.51 vs. price of €12.92 (268.1% above fair value)
Industry Position: 16.7% below the Insurance median (#282 of 485)
No single metric tells the full story. See the FRA:32RD 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.
62GF Score
Get the complete analysis for FRA:32RD
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