Porch Group, Inc. — Earnings Quality Grade F
PRCH · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 42 days, change -47 days YoY
AR growth -47.9% vs revenue growth 11.3%
Revenue 11.3%, CFFO 309.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 12.2% vs revenue 11.3%. Normal
Insufficient data
Gross margin 46.3%, change -2.1pp. Stable
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
Small-cap context: Small-cap CFFO/NI often diverges from working-capital swings, not necessarily manipulation.
FCF $0.1B, FCF/NI = -15.49
Accruals ratio = -8.8%. Low accruals
Cash $0.2B covers only 46% of debt $0.4B
Balance Sheet Health
Goodwill+Intangibles $0.2B = -998% of equity. Manageable
Debt/EBITDA = 4.9x (>4x). Financial stress
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -6% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Porch Group, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25