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Porch Group
Porch Group (PRCH) investor relations material
Porch Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
2025 was a transformational year, with results exceeding expectations, significant profitability gains, and a shift to a higher-margin, fee and commission-based business model.
Statutory surplus at the Reciprocal grew 47% year-over-year to $155.1 million, supporting premium growth and 2026 targets.
More than doubled active agencies and nearly tripled quote volumes year-over-year, driving strong new business momentum.
Strategic initiatives, including the launch of Porch Insurance in Texas and improved conversion rates, accelerated new customer premium growth.
Net loss attributable to shareholders was $(3.5) million for Q4 2025, while Adjusted EBITDA was $23.5 million.
Financial highlights
Q4 2025 revenue was $112.3 million for shareholder interest, with gross profit of $91.4 million (81% margin) and Adjusted EBITDA of $23.5 million (21% margin).
Full-year 2025 revenue for shareholder interest was $418.9 million, gross profit $343.9 million (82% margin), and Adjusted EBITDA $76.6 million (18% margin).
Cash flow from operations for 2025 was $65.4 million; cash and investments ended at $121.2 million, up from $89.9 million in 2024.
Insurance Services segment delivered $75.7 million in Q4 revenue (86% gross margin, 38% Adjusted EBITDA margin).
Software & Data Q4 2025 revenue was $22.3 million (65% gross margin, 16% Adjusted EBITDA margin); Consumer Services revenue was $16.6 million (85% gross margin, 6% Adjusted EBITDA margin).
Outlook and guidance
2026 guidance: $600 million in organic Reciprocal Written Premium, representing 25% year-over-year growth.
Revenue expected to grow 13%–17% to $475–$490 million; gross profit to reach $385–$400 million.
Adjusted EBITDA projected at $98–$105 million (28%–37% growth, approx. 21% margin).
Insurance Services revenue growth expected to exceed 20% year-over-year; software and consumer services to grow modestly.
Detail key Home Factors driving loss ratio improvement?
What ROI is expected from AI/data investments?
How will Texas launch impact market share growth?
What is the expected cash realization from Reciprocal surplus notes?
Strategy for 2028 and 2030 convertible debt maturities
Key drivers for 2026 Porch Shareholder EBITDA growth
Prioritize 2026 RWP growth levers
Plans for deploying excess statutory surplus
How is underwriting margin advantage protected?
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Next Porch Group earnings date
Q1 20265 May, 2026
Porch Group
Next Porch Group earnings date
Q1 20265 May, 2026
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Frequently asked questions
Porch Group Inc. operates a software platform in the United States and Canada. It offers a software solution that connects homeowners with home professionals for home improvement, maintenance, and repair work; and plan, execute, and track projects to completion. The company's software platform provides automated quotes on remodel or new construction projects for home professionals through cost database; details about project costs for pros and homeowners; and tools to measure contractor performance.
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