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

Other segment segments

Consumer Services
$2.54M+389%
Reciprocal Segment
-$1.47M-104%
Software & Data
$1.38M+16.1%

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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 insurance services — provision for doubtful accounts?
Porch Group, Inc. (PRCH) reported insurance services — provision for doubtful accounts of $50K in Q4 2025.
What does insurance services — provision for doubtful accounts mean?
Represents the estimated expense recognized for insurance premiums or service fees that are deemed uncollectible from customers. This metric serves as a direct indicator of credit risk and the effectiveness of the segment's accounts receivable management. An increasing trend may signal deteriorating customer credit quality or challenges in the billing and collection process.

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