Porch Group Reports Transformational Q4 2025 Earnings
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
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Should l Buy PRCH?
Source: seekingalpha
- Significant Performance Growth: Porch Group's adjusted EBITDA for 2025 reached $77 million, an 11-fold increase over 2024, demonstrating substantial progress in its transformation and boosting investor confidence.
- Revenue and Profit Improvement: The total revenue for 2025 was $418.9 million, with a gross profit of $343.9 million and a gross margin of 82%, indicating successful transitions to high-margin businesses that further solidify market position.
- Clear 2026 Targets: Management set a target of $600 million in organic written premium for 2026, with an expected growth rate of 25% and a plan to achieve $100 million in adjusted EBITDA, reflecting strong confidence in future growth.
- New Product Launch: The full rollout of Porch Insurance in Texas at the beginning of 2026 is part of a long-term strategy aimed at enhancing customer experience and strengthening agent competitiveness, thereby driving overall company growth.
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Analyst Views on PRCH
Wall Street analysts forecast PRCH stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PRCH is 18.20 USD with a low forecast of 13.00 USD and a high forecast of 21.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Analyst Rating
5 Buy
1 Hold
0 Sell
Strong Buy
Current: 7.390
Low
13.00
Averages
18.20
High
21.00
Current: 7.390
Low
13.00
Averages
18.20
High
21.00
About PRCH
Porch Group, Inc. is a homeowners insurance company. The Company specializes in the home services software-as-a-service (SaaS) space. The Company's segments include Insurance Services, Software & Data, Consumer Services and Reciprocal Segment. Its Insurance Services segment manages and operates the Reciprocal, providing services related, but not limited, to underwriting, policy renewal, risk management, insurance portfolio management, financial management, and setting investment guidelines in exchange for commissions and fees. The Company's Software & Data segment provides, on a subscription and predominantly transactional basis, software to inspection, mortgage, title, and roofing companies and data products to insurance and other types of companies. The Company's Consumer Services segment provides warranty products through Porch Warranty and other warranty brands to protect the whole home. Its Reciprocal segment provides consumers with insurance to protect their homes.
About the author

Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
- Significant Performance Growth: Porch Group's adjusted EBITDA for 2025 reached $77 million, an 11-fold increase over 2024, demonstrating substantial progress in its transformation and boosting investor confidence.
- Revenue and Profit Improvement: The total revenue for 2025 was $418.9 million, with a gross profit of $343.9 million and a gross margin of 82%, indicating successful transitions to high-margin businesses that further solidify market position.
- Clear 2026 Targets: Management set a target of $600 million in organic written premium for 2026, with an expected growth rate of 25% and a plan to achieve $100 million in adjusted EBITDA, reflecting strong confidence in future growth.
- New Product Launch: The full rollout of Porch Insurance in Texas at the beginning of 2026 is part of a long-term strategy aimed at enhancing customer experience and strengthening agent competitiveness, thereby driving overall company growth.
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- Strong Earnings Report: Porch Group reported a Q4 GAAP EPS of -$0.03, beating expectations by $0.04, with revenue of $124.3 million reflecting a 23.9% year-over-year increase, surpassing market expectations by $15.17 million, indicating robust market performance.
- 2026 Financial Outlook: Porch Shareholder Interest projects revenue between $475 million and $490 million for 2026, representing a 13% to 17% growth from $419 million in 2025, showcasing the company's confidence in future growth.
- Gross Profit and EBITDA Growth: Expected gross profit for 2026 is projected to be between $385 million and $400 million, reflecting a 12% to 16% increase, while adjusted EBITDA is anticipated to range from $98 million to $105 million, indicating a significant growth of 28% to 37%, highlighting ongoing improvements in profitability.
- Market Consensus Analysis: The revenue consensus for 2026 stands at $488.51 million, reflecting investor optimism regarding Porch Group's growth potential, further solidifying its market position in the insurance data platform sector.
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- Analyst Rating Changes: Top Wall Street analysts have adjusted their ratings on several companies, including upgrades, downgrades, and initiations, reflecting varying market perceptions and future expectations for these firms.
- Market Reaction Insight: While specific company names are not disclosed, analyst rating changes typically influence investor confidence, thereby directly impacting stock price volatility related to the affected companies.
- Investor Decision Guidance: Investors considering purchasing RDN stock should pay attention to the latest analyst insights to make more informed investment decisions, especially amid increasing market uncertainties.
- Rating Change Transparency: Benzinga provides comprehensive information on analyst rating changes, enabling investors to stay updated on market dynamics and enhance the effectiveness of their investment strategies.
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- Earnings Announcement Schedule: Porch Group is set to release its Q4 earnings on February 11 after market close, with consensus EPS estimate at -$0.07 and revenue estimate at $109.13 million, highlighting market attention on the company's financial performance.
- Historical Performance: Over the past year, Porch Group has beaten EPS estimates 75% of the time and revenue estimates 100% of the time, indicating stability in profitability and revenue growth, which enhances investor confidence.
- Insurance Data Platform Expansion: Porch Group is expanding its insurance data platform, a strategic move aimed at positioning the company for long-term growth, reflecting its ongoing investment and innovation in the insurtech sector.
- Market Analysis Rating: Seeking Alpha's Quant Rating on Porch Group indicates positive market expectations for its future performance, further supporting the company's market positioning and growth potential in the insurance industry.
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- Executive Appointment: Pipedrive has appointed Regi Vengalil as the new CFO, leveraging nearly two decades of financial and strategic leadership experience, which is expected to drive the company's expansion in AI-driven product capabilities and enhance growth potential for small businesses.
- Rich Background: Vengalil previously served as CFO at Trax Retail and held senior roles at Metromile and Expedia Group, and his extensive industry experience will provide strategic guidance to Pipedrive, facilitating financial clarity and operational efficiency in complex market environments.
- Strategic Objectives: Vengalil will oversee Pipedrive's global finance organization, covering payments, pricing, and corporate strategy, aiming to support the company's long-term growth plans in the AI sector through exceptional financial leadership, thereby enhancing market competitiveness for small businesses.
- CEO's High Expectations: Pipedrive CEO Paulo Cunha expressed confidence that Vengalil's leadership will help the company scale faster and create greater impact for small businesses that rely on Pipedrive, highlighting the company's commitment to future growth.
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