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Side-by-side financial comparison of Porch Group, Inc. (PRCH) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Porch Group, Inc. is the larger business by last-quarter revenue ($121.1M vs $78.6M, roughly 1.5× Repay Holdings Corp). Porch Group, Inc. runs the higher net margin — -3.9% vs -178.3%, a 174.4% gap on every dollar of revenue. On growth, Porch Group, Inc. posted the faster year-over-year revenue change (100.0% vs 0.4%). Over the past eight quarters, Porch Group, Inc.'s revenue compounded faster (26.4% CAGR vs -1.3%).
Porch is a website that tries to connect homeowners with local home improvement contractors. The site features advice articles, cost guide, and online booking for over 160 home projects.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
PRCH vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $121.1M | $78.6M |
| Net Profit | $-4.7M | $-140.1M |
| Gross Margin | 52.7% | 74.2% |
| Operating Margin | 34.7% | -182.2% |
| Net Margin | -3.9% | -178.3% |
| Revenue YoY | 100.0% | 0.4% |
| Net Profit YoY | 2.0% | -3304.1% |
| EPS (diluted) | $-0.04 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $121.1M | — | ||
| Q4 25 | $112.3M | $78.6M | ||
| Q3 25 | $115.1M | $77.7M | ||
| Q2 25 | $107.0M | $75.6M | ||
| Q1 25 | $84.5M | $77.3M | ||
| Q4 24 | $75.3M | $78.3M | ||
| Q3 24 | $77.7M | $79.1M | ||
| Q2 24 | $75.9M | $74.9M |
| Q1 26 | $-4.7M | — | ||
| Q4 25 | $-3.5M | $-140.1M | ||
| Q3 25 | $-10.9M | $-6.4M | ||
| Q2 25 | $2.6M | $-102.3M | ||
| Q1 25 | $8.4M | $-7.9M | ||
| Q4 24 | $30.5M | $-4.1M | ||
| Q3 24 | $14.4M | $3.2M | ||
| Q2 24 | $-64.3M | $-4.1M |
| Q1 26 | 52.7% | — | ||
| Q4 25 | 99.5% | 74.2% | ||
| Q3 25 | 75.6% | 74.4% | ||
| Q2 25 | 70.9% | 75.7% | ||
| Q1 25 | 77.4% | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | 79.4% | 77.8% | ||
| Q2 24 | 22.1% | 78.2% |
| Q1 26 | 34.7% | — | ||
| Q4 25 | 14.7% | -182.2% | ||
| Q3 25 | 14.2% | -3.9% | ||
| Q2 25 | 4.7% | -138.7% | ||
| Q1 25 | -1.5% | -4.7% | ||
| Q4 24 | 33.3% | -1.5% | ||
| Q3 24 | -3.2% | -0.9% | ||
| Q2 24 | -69.2% | -4.6% |
| Q1 26 | -3.9% | — | ||
| Q4 25 | -3.1% | -178.3% | ||
| Q3 25 | -9.4% | -8.3% | ||
| Q2 25 | 2.4% | -135.2% | ||
| Q1 25 | 9.9% | -10.3% | ||
| Q4 24 | 40.5% | -5.3% | ||
| Q3 24 | 18.5% | 4.1% | ||
| Q2 24 | -84.8% | -5.4% |
| Q1 26 | $-0.04 | — | ||
| Q4 25 | $0.00 | $-1.68 | ||
| Q3 25 | $-0.10 | $-0.08 | ||
| Q2 25 | $0.00 | $-1.15 | ||
| Q1 25 | $0.07 | $-0.09 | ||
| Q4 24 | $0.34 | $-0.04 | ||
| Q3 24 | $0.12 | $0.03 | ||
| Q2 24 | $-0.65 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $68.4M | $115.7M |
| Total DebtLower is stronger | $391.3M | $280.1M |
| Stockholders' EquityBook value | $26.3M | $484.4M |
| Total Assets | $806.6M | $1.2B |
| Debt / EquityLower = less leverage | 14.87× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $68.4M | — | ||
| Q4 25 | $57.3M | $115.7M | ||
| Q3 25 | $85.0M | $95.7M | ||
| Q2 25 | $79.8M | $162.6M | ||
| Q1 25 | $70.4M | $165.5M | ||
| Q4 24 | $191.7M | $189.5M | ||
| Q3 24 | $238.6M | $168.7M | ||
| Q2 24 | $308.4M | $147.1M |
| Q1 26 | $391.3M | — | ||
| Q4 25 | $392.8M | $280.1M | ||
| Q3 25 | $387.1M | $279.5M | ||
| Q2 25 | $394.1M | $279.0M | ||
| Q1 25 | $409.2M | $497.6M | ||
| Q4 24 | $403.9M | $496.8M | ||
| Q3 24 | $399.0M | $496.2M | ||
| Q2 24 | $436.8M | $435.6M |
| Q1 26 | $26.3M | — | ||
| Q4 25 | $-24.6M | $484.4M | ||
| Q3 25 | $-27.9M | $616.9M | ||
| Q2 25 | $-29.3M | $633.7M | ||
| Q1 25 | $-52.4M | $755.7M | ||
| Q4 24 | $-43.2M | $761.3M | ||
| Q3 24 | $-77.0M | $754.7M | ||
| Q2 24 | $-101.9M | $815.4M |
| Q1 26 | $806.6M | — | ||
| Q4 25 | $797.4M | $1.2B | ||
| Q3 25 | $787.7M | $1.3B | ||
| Q2 25 | $770.7M | $1.4B | ||
| Q1 25 | $802.3M | $1.5B | ||
| Q4 24 | $814.0M | $1.6B | ||
| Q3 24 | $867.3M | $1.6B | ||
| Q2 24 | $876.1M | $1.5B |
| Q1 26 | 14.87× | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.2M | $23.3M | ||
| Q3 25 | $40.8M | $32.2M | ||
| Q2 25 | $35.6M | $33.1M | ||
| Q1 25 | $-11.2M | $2.5M | ||
| Q4 24 | $-26.6M | $34.3M | ||
| Q3 24 | $12.4M | $60.1M | ||
| Q2 24 | $-26.0M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $1.1M | $23.2M | ||
| Q3 25 | $40.7M | $32.1M | ||
| Q2 25 | $35.4M | $33.0M | ||
| Q1 25 | $-11.2M | $2.4M | ||
| Q4 24 | $-26.8M | $34.0M | ||
| Q3 24 | $12.2M | $59.8M | ||
| Q2 24 | $-26.0M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 1.0% | 29.6% | ||
| Q3 25 | 35.4% | 41.3% | ||
| Q2 25 | 33.0% | 43.6% | ||
| Q1 25 | -13.3% | 3.0% | ||
| Q4 24 | -35.6% | 43.5% | ||
| Q3 24 | 15.7% | 75.6% | ||
| Q2 24 | -34.3% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.1% | 0.2% | ||
| Q2 25 | 0.2% | 0.1% | ||
| Q1 25 | 0.1% | 0.2% | ||
| Q4 24 | 0.3% | 0.3% | ||
| Q3 24 | 0.3% | 0.3% | ||
| Q2 24 | 0.1% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 13.79× | — | ||
| Q1 25 | -1.33× | — | ||
| Q4 24 | -0.87× | — | ||
| Q3 24 | 0.86× | 18.52× | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PRCH
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
