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Porch Group, Inc. PRCH Reinsurance Property Catastrophe Treaties — Excess amount retained

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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+12.8%
Enterprise value$2.01B+11.5%
P/S3.5×-0.2×

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:ReinsuranceRetentionExcessRetentionAmountReinsuredPerEvent.

The source filing: Porch Group, Inc.’s 10-Q, filed July 29, 2026.

Filed
Jul 29, 2026, 5:11 PM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q3 2026
Accession
0001784535-26-000048

As of April 1, 2026, coverage for excess-of-loss catastrophe reinsurance from a panel of third-party reinsurers started at $35.0 million for per occurrence for all perils, up to a loss of $365.0 million. We also purchased reinstatement premium protection for the first three layers of our third-party placed excess-of-loss (“XOL”) program. In addition, our captive reinsurance business provides reinsurance support to improve capital efficiency for the Reciprocal. Our captive reinsurer provides reinsurance coverage for risks with low earnings volatility.

Item 1. Financial Statements

FAQ

What is Porch Group, Inc.'s reinsurance property catastrophe treaties — excess amount retained?
Porch Group, Inc. (PRCH) reported reinsurance property catastrophe treaties — excess amount retained of $365M in Q3 2026.
What does reinsurance property catastrophe treaties — excess amount retained mean?
This metric quantifies the specific portion of risk exposure that exceeds the primary retention threshold within a property catastrophe reinsurance program. It reflects the company's strategy for managing high-severity loss events by defining the boundary between self-insured risk and transferred risk. A clear understanding of this excess retention is essential for evaluating the company's protection against extreme loss scenarios and its overall reinsurance effectiveness.

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