Porch Group, Inc. Financial Ratios — 32RD Stock

Profitability (USD)

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	-65.73	-105.64	- -	- -	- -
Return on Assets (%)	- -	-34.11	-16.31	-15	-13.75	-3.83	-0.42
Return on Capital (%)	- -	- -	- -	- -	- -	- -	-1.32
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	72.29	75.71	69.48	61.02	49.24	50.75	- -
EBITDA Margin (%)	-104.06	-49.22	-34.81	-54.04	-38.25	-8.52	- -
Operating Margin (%)	-107.13	-60.41	-43.32	-41.91	-30.68	-14.1	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	283	- -
Pretax Margin (%)	-133.03	-77.07	-60.74	-56.43	-30.73	-6.7	5.25
Profit Margin (%)	-133.15	-74.73	-55.4	-56.73	-30.87	-7.17	-0.66
Net Income to Common Margin (%)	-133.15	-74.73	-55.4	-56.73	-30.87	-7.17	-0.66
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	42.7
Dvd Payout Ratio (%)	- -	-55.52	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	-65.73	-105.64	- -	- -	- -

Credit (USD)

Credit Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	61	48	417	442	436	404	393
ST Debt	20	5	- -	16	- -	- -	8
LT Debt	41	43	417	425	435	404	385
Total Debt/EBITDA	-0.76	-1.35	-6.23	-2.96	-2.63	-10.34	- -
Net Debt/EBITDA	-0.71	4.16	-1.48	-1.52	-1.07	-6.05	- -
Total Debt/EBIT	-0.69	-1.14	-5.01	-2.5	-2.29	-6.26	- -
Net Debt/EBIT	-0.65	3.51	-1.19	-1.28	-0.93	-3.66	- -
EBITDA to Interest Expense	-11.32	-2.42	-11.63	-17.09	-8.42	-1.66	- -
EBITDA-CapEx/Interest Expense	-11.96	-2.61	-11.8	-17.36	-8.46	-1.69	- -
EBIT to Interest Expense	-11.65	-2.96	-14.48	-13.26	-6.75	-2.75	- -
Interest Expense	7	15	6	9	20	23	30
Common Equity/Total Assets	-123.75	39.99	20.89	7.56	-3.97	-5.31	-3.09
Long-Term Debt/Equity (%)	- -	40.29	192.25	535.97	- -	- -	1,720.09
Long-Term Debt/Capital (%)	3,563.45	27.84	65.77	81.61	108.86	111.94	92.74
Long-Term Debt/Total Assets (%)	83.89	16.11	40.17	40.54	48.42	49.61	48.29
Total Debt/Equity (%)	-101.9	44.71	192.32	556.71	-1,221.14	-934.5	1,754.81
Total Debt/Capital (%)	5,356.7	30.9	65.79	84.77	108.92	111.98	94.61
Total Debt/Total Assets (%)	126.1	17.88	40.19	42.11	48.45	49.63	49.26
Net Debt to Equity	-94.93	-137.96	45.61	285.69	-496.93	-546.66	1,037.36
Net Debt/Capital (%)	-1,874.29	363.45	31.06	74.07	125.19	122.39	91.21
EBITDA	-81	-36	-67	-149	-166	-39	- -
EBITDA-CapEx	-85	-38	-68	-151	-167	-40	- -
Operating Income (Loss)	-83	-44	-83	-116	-133	-65	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.07	6.18	0.89	0.49	0.64	0.46	- -
Current Ratio	0.18	6.8	1.67	1.18	1.04	0.88	- -
Quick Ratio	0.15	6.31	1.6	1.12	0.87	0.73	- -
CFO/Avg Current Liab	- -	-1.09	-0.18	-0.04	0.07	-0.07	- -
Common Equity/Total Assets	-123.75	39.99	20.89	7.56	-3.97	-5.31	-3.09
Long-Term Debt/Equity (%)	- -	40.29	192.25	535.97	- -	- -	1,720.09
Long-Term Debt/Capital (%)	3,563.45	27.84	65.77	81.61	108.86	111.94	92.74
Long-Term Debt/Total Assets (%)	83.89	16.11	40.17	40.54	48.42	49.61	48.29
Total Debt/Equity (%)	-101.9	44.71	192.32	556.71	-1,221.14	-934.5	1,754.81
Total Debt/Capital (%)	5,356.7	30.9	65.79	84.77	108.92	111.98	94.61
Total Debt/Total Assets (%)	126.1	17.88	40.19	42.11	48.45	49.63	49.26
CFO/Total Liabilities	-27.05	-30.22	-4.23	-1.83	3.63	-3.7	8.57
CFO/CapEx	-6.41	-16.9	-35.78	-7.55	39.87	-60.58	146.3
Altman's Z-Score	- -	- -	0.59	-1.06	-1.41	-1.19	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	16.11	11.65	10	17.11	6.75	6.02
Days Sales Outstanding	- -	22.66	31.33	36.51	21.34	54.06	60.66
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	1,587	173	306	549	959
- Cash & Cash Equivalents	4	196	316	215	258	168	161
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	47
+ Total Debt	61	48	417	442	436	404	393
Enterprise Value	- -	- -	1,679	363	448	761	1,218
Total Capital	1	155	634	521	400	361	415
Total Debt/Capital (%)	5,356.7	30.9	65.79	84.77	108.92	111.98	94.61
Total Debt / EV	- -	- -	0.25	1.22	0.97	0.53	0.32
EV/Sales	- -	- -	8.73	1.32	1.03	1.66	2.39
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	14.61
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	14.69
Diluted Market Cap	- -	- -	1,521	171	303	539	940
Diluted Enterprise Value	- -	- -	1,613	361	445	751	1,198
EV per Share	- -	- -	17.14	3.69	4.62	7.5	11.51
TTM Sales	78	72	192	276	434	458	510
TTM EBITDA	-81	-36	-67	-149	-166	-39	- -
TTM Operating Income	-83	-44	-83	-116	-133	-65	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	83
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	83

Multiples (USD)

Valuation Multiples API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	-42.55	-8.51	9.17	-16.74	14.24
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	1,679	363	448	761	1,218
Low Price	- -	- -	15.38	1.01	0.51	1.07	3.76
EV/Sales	- -	- -	8.73	1.32	1.03	1.66	2.39
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	7.31	2.18	-8.59	-12.71	-38.94
Price/Book Value Average	- -	- -	8.74	5.44	-4.11	-6.08	-44.93
Price/Book Value High	- -	- -	11.75	19.63	-10.61	-14.07	-83.01
Price/Book Value Low	- -	- -	6.94	1.25	-1.38	-2.51	-16.18
Price/Tangible Book Value	- -	- -	-11.46	-0.63	-0.97	-1.81	-3.55
Price/Tangible Book Value Average	- -	- -	-13.69	-1.58	-0.47	-0.86	-4.09
Price/Tangible Book Value High	- -	- -	-18.43	-5.69	-1.2	-2	-7.56
Price/Tangible Book Value Low	- -	- -	-10.89	-0.36	-0.16	-0.36	-1.47
Price/Sales	- -	- -	7.9	0.62	0.7	1.18	1.84
Price/Sales Average	- -	- -	9.44	1.55	0.33	0.56	2.13
Price/Sales High	- -	- -	12.71	5.58	0.86	1.3	3.93
Price/Sales Low	- -	- -	7.51	0.36	0.11	0.23	0.77
Price/Cash Flow	- -	- -	-43.73	-9.64	8.94	-17.02	14.15
Price/Cash Flow Average	- -	- -	-52.25	-24.09	4.28	-8.14	16.32
Price/Cash Flow High	- -	- -	-70.3	-86.86	11.04	-18.84	30.15
Price/Cash Flow Low	- -	- -	-41.53	-5.54	1.43	-3.36	5.88
Price/Free Cash Flow Average	- -	- -	-50.83	-21.27	4.39	-8	16.43
Price/Free Cash Flow High	- -	- -	-68.39	-76.7	11.33	-18.53	30.36
Price/Free Cash Flow Low	- -	- -	-40.4	-4.89	1.47	-3.31	5.92
EV/Sales Average	- -	- -	10.33	2.25	0.66	1.04	2.68
EV/Sales High	- -	- -	13.74	6.34	1.2	1.79	4.52
EV/Sales Low	- -	- -	8.31	1.05	0.44	0.7	1.29
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	16.2	1.76	3.16	5.41	9.06
High Price	- -	- -	26.04	15.82	3.9	5.99	19.31
Enterprise Value Average	- -	- -	1,988	622	288	475	1,365
Enterprise Value High	- -	- -	2,644	1,748	520	820	2,303
Enterprise Value Low	- -	- -	1,600	290	191	321	657

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	81	82	98	98	97	101	106
Diluted Weighted Avg Shares	81	36	94	97	96	100	104
Basic Weighted Avg Shares	81	36	94	97	96	100	104
Revenue per Share	0.95	1.99	2.05	2.83	4.52	4.6	4.92
EBITDA per Share	-0.99	-0.98	-0.71	-1.53	-1.73	-0.39	- -
Operating Income per Share	-1.02	-1.2	-0.89	-1.19	-1.39	-0.65	- -
Basic EPS, GAAP	-1.27	-1.49	-1.14	-1.61	-1.39	-0.33	-0.03
Basic EPS from Cont Ops	-1.27	-1.49	-1.14	-1.61	-1.39	-0.33	0.15
Diluted EPS, GAAP	-1.27	-1.49	-1.14	-1.61	-1.39	-0.33	-0.03
Diluted EPS from Cont Ops	-1.27	-1.49	-1.14	-1.61	-1.39	-0.33	0.15
Dividend per Share	- -	0.83	- -	- -	- -	- -	- -
Cash Flow per Share	-0.36	-1.34	-0.37	-0.18	0.35	-0.32	0.64
Free Cash Flow per Basic Share	-0.42	-1.42	-0.38	-0.21	0.34	-0.32	0.64
Cash & Equivalents per Share	0.05	2.4	3.32	2.56	3.03	1.89	1.71
Book Value per Share	-0.74	1.31	2.22	0.81	-0.37	-0.43	-0.23
Tangible Book Value per Share	-1.08	0.77	-1.41	-2.78	-3.24	-3	-2.55