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Porch Group, Inc. PRCH Software & Data — Provision for doubtful accounts

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Consumer Services
$2.54M+389%
Reciprocal Segment
-$1.47M-104%
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 software & data — provision for doubtful accounts?
Porch Group, Inc. (PRCH) reported software & data — provision for doubtful accounts of $345K in Q4 2025.
How has Porch Group, Inc.'s software & data — provision for doubtful accounts changed year-over-year?
Porch Group, Inc.'s software & data — provision for doubtful accounts increased by 16.1% year-over-year, from $297.25K to $345K.
What is the long-term trend for Porch Group, Inc.'s software & data — provision for doubtful accounts?
Over 2 years (2023 to 2025), Porch Group, Inc.'s software & data — provision for doubtful accounts has grown at a 23.1% compound annual growth rate (CAGR), from $911K to $1.38M.
What does software & data — provision for doubtful accounts mean?
An estimate of the portion of accounts receivable that the segment expects will not be collected from customers. This serves as a risk indicator regarding the credit quality of the segment's client base and the effectiveness of its billing and collection processes.

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