FRFHF vs PRCH vs ZG Stock Comparison

Fairfax Financial Holdings, Porch and Zillow Prices as of Oct 29, 2026 Peers: Industry group
PRCH Porch Group, Inc.
$20.89 +26.1% 1M +36.4% 1Y
Market cap
$2.29B
P/E
238.8x
Revenue (TTM)
$530.17M
Div. yield
–
Property and Casualty Insurance Financial Services
2 wins
ZG Zillow Group, Inc.
$32.10 +14.6% 1M -53.4% 1Y
Market cap
$7.23B
P/E
131.4x
Revenue (TTM)
$2.81B
Div. yield
–
Real Estate Software Technology
3 wins

Head to Head

11 decided of 12

Fairfax Financial Holdings leads on 6 of the 12 questions below (Fairfax Financial Holdings 6, Zillow 3, Porch 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionFRFHFPRCHZGLeader
Larger companyMarket capitalisation $38.38B $2.29B $7.23B FRFHF
Cheaper on earningsLower P/E, profitable companies only 7.7x 238.8x 131.4x FRFHF
Cheaper on forward earningsLower price / next fiscal year consensus EPS 9.8x 696.3x 13.7x FRFHF
Faster revenue growthRevenue growth, trailing twelve months +10.0% +15.6% +17.7% ZG
More profitableNet margin, trailing twelve months 3.7% 1.8% 2.0% FRFHF
Better return on capitalReturn on invested capital — 1.1% 0.2% PRCH
Less leveragedLower net debt / EBITDA — 2.1x -0.7x ZG
Higher dividend yieldTrailing dividend yield 0.01% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +10.6% +36.4% -53.4% PRCH
Better 5-year returnAnnualised price return, 5 years +34.6%/yr -0.1%/yr -21.2%/yr FRFHF
Less volatileAnnualised volatility, 1 year 22.4% 79.2% 51.5% FRFHF
Higher overall scoreMean of the five percentile scores vs peers 42/100 25/100 71/100 ZG

Percentile Scorecard

FRFHFPRCHZG

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisFRFHFPRCHZG
Valuation 40 #72 of 119 4 #114 of 119 59 #37 of 89
Growth 43 #65 of 114 66 #39 of 114 66 #28 of 81
Profitability 29 #76 of 106 22 #83 of 106 55 #35 of 76
Financial Health 79 #23 of 104 25 #78 of 104 75 #24 of 93
Shareholder Returns 18 #86 of 105 7 #98 of 105 98 #2 of 50
Overall 42 25 71
  • FRFHF ranked among 126 companies in Insurance
  • PRCH ranked among 126 companies in Insurance
  • ZG ranked among 98 companies in Vertical Software

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodFRFHFPRCHZGSPY
1 month +14.2%+26.1%+14.6% +0.7%
3 months +5.6%+45.7%-5.7% +3.7%
6 months +3.4%+116.9%-28.0% +7.1%
Year to date -6.4%+128.8%-53.0% +12.8%
1 year +10.6%+36.4%-53.4% +11.9%
3 years +115.4%+3,630.4%-15.9% +85.2%
3 years, per year +29.2%+234.4%-5.6% +22.8%
5 years +340.6%-0.7%-69.6% +67.6%
5 years, per year +34.6%-0.1%-21.2% +10.9%
10 years +243.3%—+0.1% +262.0%
10 years, per year +13.1%—+0.0% +13.7%

Risk

MeasureFRFHFPRCHZGSPY
Volatility, 1Y 22.4%79.2%51.5% 12.7%
Downside volatility, 1Y 23.4%82.4%55.2% 12.6%
Beta vs S&P 500, 1Y 0.232.061.17 1.00
Return / volatility, 1Y 0.470.46-1.04 0.94
Max drawdown, 5Y -20.9%-98.0%-72.0% -25.4%
From 52-week high -6.8%0.0%-56.5% -1.2%
52-week high $1,916.53$20.89$73.87 $779.14
52-week low $1,529.40$6.40$27.70 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleFRFHFPRCHZG
P/E now vs peer median 7.6xmedian 10.7x 247.1xmedian 10.7x 133.0xmedian 39.2x
P/S now vs peer median 0.4xmedian 1.4x 5.2xmedian 1.4x 2.6xmedian 2.4x
EV/EBITDA now vs peer median 6.0xmedian 7.5x 41.5xmedian 7.5x 23.5xmedian 17.3x
P/FCF now vs peer median -2,084xmedian 8.5x 24.3xmedian 8.5x 28.0xmedian 20.3x
P/B now vs peer median 1.7xmedian 1.5x 93.4xmedian 1.5x 1.7xmedian 1.8x
PEG now vs peer median 5.72median 0.60 9.18median 0.60 4.13median 1.52

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsFRFHFPRCHZG
Revenue $134.78B $530.17M $2.81B
Gross profit – $382.03M $2.05B
Operating income – $42.24M $12.00M
Net income $5.03B -$2.36M $55.00M
Free cash flow -$26.00M $114.00M $258.00M
R&D – $57.28M $611.00M
EPS (diluted) $217.11 $0.08 $0.24
Cash & equivalents – $230.54M $572.00M
Total debt – $404.26M $1.44B
Shares (diluted) 23.08M 126.30M 227.90M
Enterprise value $38.38B $1.44B $3.08B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricFRFHFPRCHZG
P/E 7.6x 247.1x 133.0x
P/FCF -2,084x 24.3x 28.0x
P/Operating cash flow -1,662x 24.1x 18.6x
P/S 0.4x 5.2x 2.6x
P/B 1.7x 93.4x 1.7x
P/Tangible book 1.7x -53.3x 1.8x
EV/EBITDA 6.0x 41.5x 23.5x
EV/EBIT 6.3x 69.1x 583.4x
EV/Revenue 0.4x 5.5x 2.5x
EV/FCF -2,084x 25.6x 27.1x
EV/Operating cash flow -1,662x 25.4x 18.0x
PEG (3Y EPS CAGR) 5.72 9.18 4.13

Growth

14 metrics
MetricFRFHFPRCHZG
Revenue growth (1Y) 10.0% 15.6% 17.7%
Revenue CAGR (3Y) 75.1% 11.8% 14.1%
Gross profit growth (1Y) – 15.6% 13.2%
Gross profit CAGR (3Y) – 30.0% 10.5%
Operating income growth (1Y) – -6.5% 109.0%
Operating income CAGR (3Y) – 29.7% 27.0%
Net income growth (1Y) 0.7% -106.5% 188.7%
Net income CAGR (3Y) -1.7% 75.8% 32.0%
EPS growth (1Y) 5.4% -74.1% 198.0%
EPS CAGR (3Y) 1.3% 26.9% 32.2%
Operating cash flow growth (1Y) -100.9% 197.8% -19.8%
Operating cash flow CAGR (3Y) 73.3% 19.4% -4.3%
Free cash flow growth (1Y) -100.8% 199.5% -25.0%
Free cash flow CAGR (3Y) 75.1% 19.8% -7.0%

Profitability

14 metrics
MetricFRFHFPRCHZG
Gross margin – 72.1% 72.9%
EBITDA margin 6.7% 13.3% 10.6%
Operating margin – 8.0% 0.4%
Pretax margin 4.7% 1.8% 2.1%
Net margin 3.7% 1.8% 2.0%
FCF margin 0.0% 21.5% 9.2%
Operating cash flow margin 0.0% 21.7% 13.8%
Return on equity 24.7% 4.6% 1.3%
Return on assets 7.0% 0.1% 1.0%
Return on invested capital – 1.1% 0.2%
Return on capital employed – 5.5% 0.3%
Asset turnover 1.2x 0.6x 0.5x
Cash conversion (OCF / net income) 0.0x -48.7x 7.1x
Stock comp / revenue – 6.7% 12.9%

Financial Health

11 metrics
MetricFRFHFPRCHZG
Debt / assets – 46.7% 8.8%
Debt / equity – 13.6x 0.1x
Net debt / EBITDA – 2.1x -0.7x
Debt / FCF – 3.5x 1.8x
Liabilities / assets 71.6% 96.6% 18.8%
Equity / assets 28.4% 3.4% 81.2%
Interest coverage 10.0x 0.7x 0.7x
Current ratio – 1.5x 1.9x
Quick ratio – 3.5x 0.9x
Cash ratio – 3.2x 0.8x
Altman Z-score – 1.78 4.59

Shareholder Returns

7 metrics
MetricFRFHFPRCHZG
Dividend yield 0.8% – –
Net buyback yield 0.0% 0.1% 13.0%
Shareholder yield 0.8% 0.1% 13.0%
Payout ratio (earnings) 10.7% – –
Payout ratio (FCF) -2,077% – –
Dividend growth (1Y) -18.8% – –
Dividend CAGR (3Y) 1.9% – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusFRFHFPRCHZG
Forward P/E 9.8xFY2026 696.3xFY2026 13.7xFY2026
EPS, next fiscal year $182.77FY2026 $0.03FY2026 $2.34FY2026
EPS growth, next FY -14.5%FY2026 – +42.7%FY2026
EPS growth, the year after +10.4% +833.3% +26.9%
Revenue, next fiscal year $33.74BFY2026 $493.33MFY2026 $3.04BFY2026
Revenue growth, next FY +0.3%FY2026 +17.8%FY2026 +17.8%FY2026
Revenue growth, the year after -5.8% +20.1% +11.5%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersFRFHFPRCHZG
Held by institutions – 78.1% 18.3%
Institutions holding – 202 264
Change in shares held, QoQ – +2.1% +0.1%
Institutions buying – 123 125
Institutions selling – 55 98
Buyers to sellers – 2.24 1.28

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

FRFHFPRCHZG
FRFHF 1.00 0.08 0.18
PRCH 0.08 1.00 0.23
ZG 0.18 0.23 1.00

Add a Peer

Largest companies in the same industry

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Frequently Asked Questions

Which is bigger, FRFHF, PRCH and ZG?

Fairfax Financial Holdings (FRFHF) is the largest by market capitalisation: Fairfax Financial Holdings (FRFHF) $38.38B, Porch (PRCH) $2.29B, Zillow (ZG) $7.23B.

Which stock is cheaper, FRFHF, PRCH and ZG?

Fairfax Financial Holdings (FRFHF) trades on the lowest price-to-earnings ratio (Fairfax Financial Holdings (FRFHF) 7.7x, Porch (PRCH) 238.8x, Zillow (ZG) 131.4x). On next year's consensus earnings, Fairfax Financial Holdings (FRFHF) is cheapest (Fairfax Financial Holdings (FRFHF) 9.8x, Porch (PRCH) 696.3x, Zillow (ZG) 13.7x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Zillow (ZG) grew revenue fastest over the trailing twelve months: Fairfax Financial Holdings (FRFHF) +10.0%, Porch (PRCH) +15.6%, Zillow (ZG) +17.7%.

Which company is more profitable?

Fairfax Financial Holdings (FRFHF) has the highest net margin (Fairfax Financial Holdings (FRFHF) 3.7%, Porch (PRCH) 1.8%, Zillow (ZG) 2.0%). On return on invested capital, Porch (PRCH) leads (Porch (PRCH) 1.1%, Zillow (ZG) 0.2%).

Which stock has performed better?

Over the past year Porch (PRCH) returned the most: Fairfax Financial Holdings (FRFHF) +10.6%, Porch (PRCH) +36.4%, Zillow (ZG) -53.4%. Over five years, Fairfax Financial Holdings (FRFHF) compounded fastest (Fairfax Financial Holdings (FRFHF) +34.6%/yr, Porch (PRCH) -0.1%/yr, Zillow (ZG) -21.2%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Fairfax Financial Holdings (FRFHF) 0.01%, Porch (PRCH) 0.00%, Zillow (ZG) 0.00%. Porch (PRCH) and Zillow (ZG) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Fairfax Financial Holdings (FRFHF) has been the steadiest (Fairfax Financial Holdings (FRFHF) 22.4%, Porch (PRCH) 79.2%, Zillow (ZG) 51.5%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, FRFHF, PRCH and ZG?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Fairfax Financial Holdings (FRFHF) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.