Porch Q4 Revenue Reaches $124.3M, Exceeds Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 11 2026
0mins
Should l Buy PRCH?
Reports Q4 revenue $124.3M, consensus $109.1M. "Porch had a pivotal year in 2025. We executed our transition to a simpler commission- and fee-based model, delivered outperformance each quarter, and translated that progress into strong cash generation for our shareholders and statutory surplus growth for the Reciprocal. Entering 2026, we're positioned to further scale Reciprocal Written Premium. Our confidence is reflected in our 2026 Porch Shareholder Interest outlook, which includes $98 million to $105 million of Adjusted EBITDA6 and a target of $600 million of Reciprocal Written Premium7, which would represent 25% year-over-year organic growth. We are seeing strong performance across our insurance business from adding new agencies, increasing quote volumes, improving conversion, and the launch of Porch Insurance to add a fundamentally differentiated product for customers. The Reciprocal's 2025 gross loss ratio of 27% continues to be best-in-class, supported by our unique property data and underwriting," said Matt Ehrlichman, Chief Executive Officer, Chairman and Founder.
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Analyst Views on PRCH
Wall Street analysts forecast PRCH stock price to rise
4 Analyst Rating
4 Buy
0 Hold
0 Sell
Strong Buy
Current: 8.630
Low
10.50
Averages
15.17
High
21.00
Current: 8.630
Low
10.50
Averages
15.17
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.
Porch Group to Attend Upcoming Investor Events
- Investor Event Schedule: Porch Group will participate in the KBW Non-Deal Roadshow on February 27, 2026, and engage in one-on-one and group meetings during the Benchmark Non-Deal Roadshow on March 3-4, showcasing its innovative strategy in homeowners insurance.
- Virtual Conference Participation: On March 9, 2026, Porch will attend the Loop Capital 7th Annual Investor Conference, followed by participation in the B Riley Non-Deal Roadshow on March 18, indicating the company's commitment to investor communication.
- Strategic Positioning: Porch Group aims to enhance underwriting capabilities in homeowners insurance through leading vertical software solutions and unique data advantages, thereby providing more comprehensive protection for policyholders and strengthening its market competitiveness.
- Company Vision: As a new type of homeowners insurance company, Porch's strategy includes not only offering quality moving services but also leveraging data-driven underwriting strategies to secure a leading position in the rapidly evolving homeowners insurance market.
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- Stock Price Surge: Following the positive earnings report, HubSpot's shares jumped 9.4% to $228.93 on Thursday, reflecting investor optimism about the company's growth potential and likely attracting more investor interest.
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- Stock Price Surge: Fastly's shares jumped 34.8% to $12.55 in pre-market trading, reflecting a positive investor reaction to the earnings report, which may attract more investor interest in its future developments.
- Increased Market Confidence: The strong earnings report not only enhances investor confidence but may also prompt analysts to revise their ratings and price targets for the company, potentially driving further stock price increases.
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Porch Group Surges 21.87% After Beating Q4 Earnings Expectations
- Earnings Beat: Porch Group reported a Q4 loss of $0.03 per share, outperforming the expected loss of $0.07, indicating resilience that may attract more investor interest.
- Revenue Growth: The company’s revenue rose to $23.94 million year-over-year, reflecting sustained market demand in the software and insurance sectors, bolstering confidence in future growth.
- Stock Performance: Following the earnings report, Porch Group's stock surged 21.87% in after-hours trading to close at $9.25, demonstrating a positive market reaction that could drive further buying interest.
- Analyst Rating Upgrade: Keefe, Bruyette & Woods upgraded Porch Group from Market Perform to Outperform with a price target of $10.50, indicating analysts' optimism about the company's future performance.
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Porch Group Reports Transformational Q4 2025 Earnings
- 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.
See More
Porch Group PRCH Q4 2025 Earnings Call Transcript
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Porch Group to Attend Upcoming Investor Events
- Investor Event Schedule: Porch Group will participate in the KBW Non-Deal Roadshow on February 27, 2026, and engage in one-on-one and group meetings during the Benchmark Non-Deal Roadshow on March 3-4, showcasing its innovative strategy in homeowners insurance.
- Virtual Conference Participation: On March 9, 2026, Porch will attend the Loop Capital 7th Annual Investor Conference, followed by participation in the B Riley Non-Deal Roadshow on March 18, indicating the company's commitment to investor communication.
- Strategic Positioning: Porch Group aims to enhance underwriting capabilities in homeowners insurance through leading vertical software solutions and unique data advantages, thereby providing more comprehensive protection for policyholders and strengthening its market competitiveness.
- Company Vision: As a new type of homeowners insurance company, Porch's strategy includes not only offering quality moving services but also leveraging data-driven underwriting strategies to secure a leading position in the rapidly evolving homeowners insurance market.
See More
HubSpot Reports Strong Q3 Earnings, Shares Surge 9.4%
- Earnings Beat: HubSpot reported quarterly earnings of $3.09 per share, surpassing analyst expectations of $2.99, indicating robust profitability and boosting market confidence in the company's future performance.
- Significant Revenue Growth: The quarterly revenue reached $846.75 million, exceeding the Street estimate of $830.54 million and marking a 20.4% increase from $703.17 million in the same period last year, showcasing HubSpot's competitive strength in the market.
- Stock Price Surge: Following the positive earnings report, HubSpot's shares jumped 9.4% to $228.93 on Thursday, reflecting investor optimism about the company's growth potential and likely attracting more investor interest.
- Mixed Market Performance: While U.S. stocks showed mixed results overall, HubSpot's strong performance distinguished it among many stocks, demonstrating relative resilience and appeal in a fluctuating market.
See More
Fastly Reports Strong Quarterly Earnings Exceeding Expectations
- Strong Earnings Performance: Fastly reported earnings of $0.12 per share, surpassing analyst expectations of $0.06, indicating a significant improvement in profitability and boosting market confidence in future growth.
- Significant Revenue Growth: The quarterly revenue reached $172.61 million, exceeding Wall Street's estimate of $161.36 million and up from $140.58 million in the same period last year, demonstrating the company's robust performance amid recovering market demand.
- Stock Price Surge: Fastly's shares jumped 34.8% to $12.55 in pre-market trading, reflecting a positive investor reaction to the earnings report, which may attract more investor interest in its future developments.
- Increased Market Confidence: The strong earnings report not only enhances investor confidence but may also prompt analysts to revise their ratings and price targets for the company, potentially driving further stock price increases.
See More
Porch Group Surges 21.87% After Beating Q4 Earnings Expectations
- Earnings Beat: Porch Group reported a Q4 loss of $0.03 per share, outperforming the expected loss of $0.07, indicating resilience that may attract more investor interest.
- Revenue Growth: The company’s revenue rose to $23.94 million year-over-year, reflecting sustained market demand in the software and insurance sectors, bolstering confidence in future growth.
- Stock Performance: Following the earnings report, Porch Group's stock surged 21.87% in after-hours trading to close at $9.25, demonstrating a positive market reaction that could drive further buying interest.
- Analyst Rating Upgrade: Keefe, Bruyette & Woods upgraded Porch Group from Market Perform to Outperform with a price target of $10.50, indicating analysts' optimism about the company's future performance.
See More
Porch Group Reports Transformational Q4 2025 Earnings
- 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.
See More
Porch Group PRCH Q4 2025 Earnings Call Transcript
See More
