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Porch Group, Inc. PRCH Provision for Credit Losses

Discontinued — last reported Q4 '25

Provision for Credit Losses at other companies

SiriusPoint logo
SiriusPointSPNT
$600K
United Fire Group logo
United Fire GroupUFCS
$0+100%

Segments

By segment

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Consumer Services$2.54M+389%
Reciprocal Segment-$1.47M-104%
Software & Data$1.38M+16.1%
Insurance Services$0

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 itemYear Ended December 31, 2025Year Ended December 31, 2024Year Ended December 31, 2023
Selling and marketing139,578122,873144,303
Product and technology53,31748,13851,457
General and administrative105,20095,249101,077
Provision for doubtful accounts5,32523937,180
Impairment loss on intangible assets and goodwill57,232
Operating income (loss)36,570(64,571)(190,354)
Other income (expense):
Interest expense(51,572)(42,536)(31,828)

Item 8. Financial Statements and Supplementary Data

FAQ

What is Porch Group, Inc.'s provision for credit losses?
Porch Group, Inc. (PRCH) reported provision for credit losses of $1.33M in Q4 2025.
How has Porch Group, Inc.'s provision for credit losses changed year-over-year?
Porch Group, Inc.'s provision for credit losses increased by 75.4% year-over-year, from $759K to $1.33M.
What is the long-term trend for Porch Group, Inc.'s provision for credit losses?
Over 3 years (2021 to 2025), Porch Group, Inc.'s provision for credit losses has grown at a 71.5% compound annual growth rate (CAGR), from $1.06M to $5.33M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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