PRCH (Porch Group) Retained Earnings: $-655.5 Mil (As of Mar. 2026)


PRCH Porch Group Inc PRCH
64 GF Score
Price $14.88
GF Value $3.98
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Porch Group Retained Earnings?

Porch Group PRCH -2.04% 64 Retained Earnings is $-655.5 Mil as of Mar. 2026. 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.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Porch Group's retained earnings for the quarter that ended in Mar. 2026 was $-655.5 Mil.

Porch Group's quarterly retained earnings declined from Sep. 2025 ($-644.8 Mil) to Dec. 2025 ($-648.3 Mil) and declined from Dec. 2025 ($-648.3 Mil) to Mar. 2026 ($-655.5 Mil).

Porch Group's annual retained earnings declined from Dec. 2023 ($-722.1 Mil) to Dec. 2024 ($-754.9 Mil) but then increased from Dec. 2024 ($-754.9 Mil) to Dec. 2025 ($-648.3 Mil).


Porch Group  (NAS:PRCH) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Porch Group Retained Earnings Historical Data

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The historical data trend for Porch Group's Retained Earnings 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.

Porch Group Retained Earnings Chart

Porch Group Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial -424.11 -585.02 -722.06 -754.86 -648.27

Porch Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -636.51 -633.93 -644.79 -648.27 -655.49
PRCH
64GF Score
Porch Group Inc PRCH
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Porch Group Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $-655.5 Mil mean?
Porch Group (PRCH) has a Retained Earnings of $-655.5 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Porch Group and its competitors.
Is Porch Group's Retained Earnings too high?
Porch Group's current Retained Earnings is $-655.5 Mil. 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 Retained Earnings compare to KMPR and UFCS?
Porch Group's Retained Earnings of $-655.5 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Porch Group and its competitors. Porch Group's current Retained Earnings is $-655.5 Mil. 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 $14.88 — trading 273.9% above its estimated fair value. The current Retained Earnings is $-655.5 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Porch Group (PRCH), the current Retained Earnings is $-655.5 Mil 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 $14.88 is trading 273.9% above its estimated GF Value™ of $3.98. GuruFocus considers Porch Group to be Significantly Overvalued.

Key valuation signals for PRCH:

  • Retained Earnings: $-655.5 Mil
  • GF Value™: $3.98 vs. price of $14.88 (273.9% above fair value)
  • GF Score™: 64/100 with 4 warning signs

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 Business Description

Other Exchanges 32RD:Germany
Address 411 1st Avenue South, Suite 501, Seattle, WA, USA, 98104
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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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.88
Price
$3.98
GF Value