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Porch Group, Inc. PRCH Provision for Credit Losses

Discontinued — last reported Q4 '25

Provision for Credit Losses at other companies

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SiriusPointSPNT
$400K
United Fire Group logo
United Fire GroupUFCS
$0+100%
CBIZ logo
CBIZCBZ
$6.08M-43.4%
W.R. Berkley logo
W.R. BerkleyWRB

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$121.1M+15.6%
Gross profit$90.8M+38.8%
Operating income$11.8M+1,033%
Net income-$4.7M-156%
EPS (diluted)-$0.04-157%

Balance sheet

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Cash & equivalents$179.4M+8.0%
Total debt$399.0M-2.5%
Total equity-$25.4M+51.5%
Total assets$806.6M+0.5%

Cash flow

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Operating cash flow$13.0M+216%
CapEx$176.0K+171%
Free cash flow$12.8M+214%

Valuation

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Market cap$1.44B+30.0%
Enterprise value$1.66B+22.9%
P/S2.9×+0.3×

Profitability

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Gross margin73.3%+19.3pp
Operating margin10%
Net margin-3.3%
FCF margin18.1%

Returns & leverage

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Return on equity-144.9%-188pp
Debt / equity9.7×+7.6×
Current ratio1.3×-0.2×

Where this comes from

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

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Porch Group, Inc.’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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.