PRCHPorch Group, Inc.
Accident & Health Insurance
- Revenue
- $419M
- 34% YoY
- Operating margin
- 8.7%
- 142% YoY
- EBITDA
- $61M
- 256% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- 5.6×
- $340M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear—Cash flow under 80% of net income
- Dilutive SBCClear7% of revenueOver 10% of revenue
- Payouts exceed cash flowClear45% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear22% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $192M | $276M | $287M | $313M | $419M | 34% |
| Operating income | −$83M | −$177M | −$190M | −$65M | $37M | 157% |
| Net income | −$107M | −$157M | −$134M | −$33M | −$3M | 90% |
| Operating cash flow | −$35M | −$18M | $34M | −$32M | $66M | 310% |
| Capex | $972K | $2M | $851K | $523K | $454K | 13% |
| Stock-based comp | $39M | $27M | $21M | $27M | $29M | 6.5% |
| Buybacks | $0 | $2M | $6M | $0 | $0 |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $6M · 20
- Net
- −$6M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $15M | $37M | 64 | 248 |
| FY2024 | $13M | $22M | 34 | 201 |
| FY2023 | $4M | $9M | 22 | 148 |
| FY2022 | $14M | −$5M | 13 | 95 |
| FY2021 | $1M | $13M | 109 | 133 |