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Porch GroupPRCH -6.72%67 Intrinsic Value: Projected FCF is $-0.75 as of Sep. 08, 2026. GuruFocus rates PRCH with a GF Score™ of 67/100 and a GF Value™ of $5.70 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 398 Insurance companies, Porch Group ranks worse than 251256.03% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-08), Porch Group's Intrinsic Value: Projected FCF is $-0.75. The stock price of Porch Group is $16.73. Therefore, Porch Group's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.
The historical rank and industry rank for Porch Group's Intrinsic Value: Projected FCF or its related term are showing as below:
PRCH's Price-to-Projected-FCF is not ranked *
in the Insurance industry.
Industry Median: 0.755 * Ranked among companies with meaningful Price-to-Projected-FCF only.
Porch Group (NAS:PRCH) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Porch Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
16.73
/
-0.74807063851049
=
* 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 Intrinsic Value: Projected FCF Related Terms
Porch Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Porch Group's Intrinsic Value: Projected FCF 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 HMN, STC, KMPR: Intrinsic Value: Projected FCF Comparison
For the Insurance - Property & Casualty subindustry, Porch Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Porch Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Porch Group's Price-to-Projected-FCF falls into.
Porch Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $-0.75 mean?
Porch Group (PRCH) has a Intrinsic Value: Projected FCF of $-0.75 as of Sep. 08, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Porch Group and its competitors. According to the industry distribution chart, Porch Group ranks #999999 out of 398 companies in the Insurance industry.
Is Porch Group's Intrinsic Value: Projected FCF too high?
Porch Group's current Intrinsic Value: Projected FCF is $-0.75. Based on the distribution chart, Porch Group ranks #999999 out of 398 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 Intrinsic Value: Projected FCF compare to HMN and STC?
According to the Insurance industry distribution chart, Porch Group ranks #999999 out of 398 companies for Intrinsic Value: Projected FCF. This places Porch Group in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.76, based on 398 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Porch Group and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porch Group's current Intrinsic Value: Projected FCF is $-0.75. 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 $5.70, compared to a current price of $16.73 — trading 193.5% above its estimated fair value. The current Intrinsic Value: Projected FCF is $-0.75. Porch Group's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Porch Group (PRCH), the current Intrinsic Value: Projected FCF is $-0.75 as of Sep. 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 (PRCH) Overvalued in 2026?
Based on GuruFocus' analysis, Porch Group stock appears to be overvalued.
The current stock price of $16.73 is trading 193.5% above its estimated GF Value™ of $5.70.
GuruFocus considers Porch Group to be Significantly Overvalued.
Key valuation signals for PRCH:
Intrinsic Value: Projected FCF: $-0.75
GF Value™: $5.70 vs. price of $16.73 (193.5% 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.
67GF Score
Get the complete analysis for PRCH
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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