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Porch Group, Inc. PRCH Consumer Services — Provision for doubtful accounts

Other segment segments

Reciprocal Segment
-$1.47M-104%
Software & Data
$1.38M+16.1%
Insurance Services
$0

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Other financials

Income statement

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Revenue$140.9M+18.1%
Gross profit$87.6M+15.4%
Operating income-$4.1M-181%
Net income$5.6M+117%
EPS (diluted)$0.05

Balance sheet

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Cash & equivalents$195.6M+4.1%
Total debt$405.3M+2.8%
Total equity-$11.8M+59.6%
Total assets$819.0M+6.3%

Cash flow

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Operating cash flow$41.3M+16.0%
CapEx$372.0K+80.6%
Free cash flow$40.9M+15.6%

Valuation

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Market cap$1.8B+15.9%
Enterprise value$2.01B+14.2%
P/S3.5×-0.1×

Profitability

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Gross margin72.5%+6.0pp
Operating margin7.8%
Net margin-2.6%
FCF margin18.4%

Returns & leverage

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Return on equity-144.9%-188pp
Debt / equity9.7×+7.6×
Current ratio1.4×-0.3×

Where this comes from

Reported directly by Porch Group, Inc. in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The source filing: Porch Group, Inc.’s 10-K, filed February 20, 2026.

Filed
Feb 19, 2026, 7:00 PM EST
Fiscal year
FY2025
Accession
0001784535-26-000008
Line itemInsurance ServicesSoftware & DataConsumer ServicesCorporateReciprocal SegmentEliminationsTotal
Selling and marketing123,83137,01541,9361,57820,876(85,658)139,578
Product and technology10,35418,5454,58216,8492,98753,317
General and administrative19,9368,7419,69854,44268,830(56,447)105,200
Provision for doubtful accounts2001,3802,5431,2025,325
Other segment items:
Depreciation and amortization(367)(14,592)(3,422)
Stock-based compensation expense(4,443)(2,406)(1,735)
Interest income on intercompany surplus notes(14,987)

Item 8. Financial Statements and Supplementary Data

FAQ

What is Porch Group, Inc.'s consumer services — provision for doubtful accounts?
Porch Group, Inc. (PRCH) reported consumer services — provision for doubtful accounts of $635.75K in Q4 2025.
How has Porch Group, Inc.'s consumer services — provision for doubtful accounts changed year-over-year?
Porch Group, Inc.'s consumer services — provision for doubtful accounts increased by 389.0% year-over-year, from $130K to $635.75K.
What is the long-term trend for Porch Group, Inc.'s consumer services — provision for doubtful accounts?
Over 2 years (2023 to 2025), Porch Group, Inc.'s consumer services — provision for doubtful accounts has grown at a 170.3% compound annual growth rate (CAGR), from $348K to $2.54M.
What does consumer services — provision for doubtful accounts mean?
An expense recognized to account for the estimated portion of accounts receivable within the Consumer Services segment that is unlikely to be collected. This metric serves as a proxy for credit risk and the quality of the segment's customer base. An increasing trend may signal deteriorating credit conditions or challenges in the segment's billing and collection processes.

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