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Porch Group, Inc.

PRCH · Information Technology

Last earnings Oct 28, 2026

Key results

Revenuequarter

$115.1 million

Porch generated for shareholders 1 third quarter 2025 revenue of $115.1 million.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

AI analysis

Q3 2025 · reported Nov 5, 2025

Based on: Earnings release + parent 8-K — transcript not held

Revenue · Q3 2025
$115.1M
EX-99 · Nov 5, 2025

The quarter in charts

Guidance ladder — revenue

Delivered vs the company's guided range

EX-99 · Nov 5, 2025 Guide as stated by the company; range and midpoint computed from the stated figure.

Headline figures

MetricQ3 2025Prior qtrYear ago
Revenue$115.1 million——

EX-99 · Nov 5, 2025

Guidance · company-stated

Direction: Raised

Revenue$410m

“Porch Shareholder Interest Full Year 2025 guidance is as follows Porch Shareholder Interest 2025 Guidance Increase at the mid-point Revenue 2 $410m to $420m (Previously $405m to $425m) --- Gross Profit 2 $335m to $340m (Previously $328m to $342m) $2.5m Adjusted EBITDA 2 $70m (Previously $65m to $70m) $2.5m (1) Results in this earnings release reference results generated for Porch shareholders ( Porch Shareholder Interest ), which includes the Insurance Services, Software Data, and Consumer Services segments, along with corporate functions.”

Company outlook — Raised

“The Company correspondingly raised Gross Profit and Adjusted EBITDA guidance.”

Midpoint vs latest-quarter revenue+256.2%computed from stated figures

Classified from the release's primary full-year outlook statement.

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Porch used $68.0 million of cash to repurchase a portion of the 0.75% Convertible Senior Unsecured Notes due September 2026 (the 2026 Notes ) during the nine months ended September 30, 2025, including $51.0 million of cash proceeds from the issuance of the 9.00% Convertible Senior Unsecured Notes due May 2030 (the 2030 Notes ).

Our Board of Directors authorized management to repurchase the remaining 2026 Notes in cash in the open market or through privately negotiated transactions.

What changed vs last quarter

  • Guide midpoint vs latest-quarter revenue +256.2% computed from stated figures

Company-stated claims

Oct 28, 2026

Historical · grew 116% · ebitda

“Adjusted EBITDA (Excluding Reciprocal) of $44.5 million grew 116% YoY, largely driven by $161.0 million of Reciprocal Written Premium ( RWP ) and 42% YoY growth in Reciprocal Policies Written .”

EX-99 · Oct 28, 2026
General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Porch Group Reports Third Quarter 2025 Results Results Exceed Expectations Driven by Insurance Services

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

Direction: Raised

Revenue: “Porch Shareholder Interest Full Year 2025 guidance is as follows Porch Shareholder Interest 2025 Guidance Increase at the mid-point Revenue 2 $410m to $420m (Previously $405m to $425m) --- Gross Profit 2 $335m to $340m (Previously $328m to $342m) $2.5m Adjusted EBITDA 2 $70m (Previously $65m to $70m) $2.5m (1) Results in this earnings release reference results generated for Porch shareholders ( Porch Shareholder Interest ), which includes the Insurance Services, Software Data, and Consumer Services segments, along with corporate functions.”

Company outlook — Raised (“raised”)
“The Company correspondingly raised Gross Profit and Adjusted EBITDA guidance.”

Revenue — Raised (“Increase”)
“Porch Shareholder Interest Full Year 2025 guidance is as follows Porch Shareholder Interest 2025 Guidance Increase at the mid-point Revenue 2 $410m to $420m (Previously $405m to $425m) --- Gross Profit 2 $335m to $340m (Previously $328m to $342m) $2.5m Adjusted EBITDA 2 $70m (Previously $65m to $70m) $2.5m (1) Results in this earnings release reference results generated for Porch shareholders ( Porch Shareholder Interest ), which includes the Insurance Services, Software Data, and Consumer Services segments, along with corporate functions.”

Classified from the release's primary full-year outlook statement.

Capital allocation

Porch used $68.0 million of cash to repurchase a portion of the 0.75% Convertible Senior Unsecured Notes due September 2026 (the 2026 Notes ) during the nine months ended September 30, 2025, including $51.0 million of cash proceeds from the issuance of the 9.00% Convertible Senior Unsecured Notes due May 2030 (the 2030 Notes ).

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

Our Board of Directors authorized management to repurchase the remaining 2026 Notes in cash in the open market or through privately negotiated transactions.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

As of September 30, 2025, outstanding principal for convertible debt was $475.1 million.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

This includes $134.0 million of the 2030 Notes, $333.3 million of the 6.75% Convertible Senior Secured Notes due October 2028 (the 2028 Notes ), and $7.8 million of the 2026 Notes.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

8 Adjusted EBITDA (Loss) We define Adjusted EBITDA (Loss) as net income (loss) adjusted for net income (loss) attributable to the Reciprocal interest expense income taxes depreciation and amortization gain or loss on extinguishment of debt other expense other income impairments of intangible assets and goodwill gain or loss on reinsurance contract impairments of property, equipment, and software stock-based compensation expense mark-to-market gains or losses recognized on changes in the value of contingent consideration arrangements, unexercised warrants, and derivatives restructuring and other costs acquisition and other transaction costs and non-cash bonus expense.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

Strategy & priorities

We will continue to prioritize Reciprocal surplus generation through Q4, creating the capacity to scale premiums and profits rapidly in 2026 and beyond, said Matt Ehrlichman, Chief Executive Officer, Chairman and Founder.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

In Software and Data, we remain focused on product innovation, including a continuation of introducing new Home Factors to the market.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

Porch's strategy to win in homeowners insurance is to deploy leading vertical software solutions in select home-related industries, provide the best services for homebuyers including important moving services, leverage unique data for advantaged underwriting, and provide more protection for policyholders.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

Generally, statements that are not historical facts, including statements concerning our financial outlook and guidance, possible or assumed future actions, business strategies, events, or results of operations, are forward-looking statements.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

Our management uses these non-GAAP financial measures as supplemental measures of our operating and financial performance, for internal budgeting and forecasting purposes, to evaluate financial and strategic planning matters, and to establish certain performance goals for incentive programs.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

Risks & headwinds

Forward-looking statements are inherently subject to risks, uncertainties, and assumptions.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

The outcome of the events described in these forward-looking statements is subject to risks, uncertainties, and other factors, including those described above and elsewhere in this release.

SEC original ↗Porch Group, Inc. — Earnings release (8-K exhibit)EX-99Nov 5, 2025

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Microsoft (MSFT) Information TechnologyTeradyne (TER) Information TechnologyASML Holding (ASML) Information TechnologyMicron Technology (MU) Information TechnologySeagate Technology (STX) Information TechnologyUnited Microelectronics (UMC) Information TechnologyMonolithic Power Systems (MPWR) Information TechnologyCoherent Corp. (COHR) Information Technology
Documents

Filings

31 documents

Earnings releases

21 documents

Presentations

0 documents

No presentations for Porch Group, Inc. are held in this edition of the library.

Transcripts

0 documents

No transcripts for Porch Group, Inc. are held in this edition of the library.

Mentioned by

2 companies

Other tracked companies whose held documents mention Porch Group, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.