{"schema_version":"secwatch.filing_event.v1","accession":"0001784535-25-000102","form_type":"8-K","ticker":"PRCH","cik":"0001784535","company_name":"Porch Group, Inc.","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.446276+00:00","generated_at":"2026-05-17T00:21:28.879881+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Porch Group Q3 beats; raises FY 2025 Gross Profit and Adjusted EBITDA guidance","bullets":["Q3 revenue $115.1M; Adjusted EBITDA $20.6M, up $3.7M YoY, exceeding expectations.","Porch Shareholder Interest gross profit $94.2M, up 53% YoY; net loss attributable to Porch $(10.9)M.","Full-year FY 2025 guidance raised: Revenue $410-420M, Gross Profit $335-340M, Adjusted EBITDA $70M (midpoint).","Insurance Services driven strong quoting activity; Reciprocal surplus + non-admitted assets $412M, up $341.5M YoY.","Cash flow from operations for Porch Shareholder Interest $28.8M in Q3; $70.9M YTD; used $68M to repurchase convertible notes."],"urls":{"canonical":"https://secwatch.observer/filing/0001784535-25-000102","json":"https://secwatch.observer/filing/0001784535-25-000102.json","markdown":"https://secwatch.observer/filing/0001784535-25-000102.md","text":"https://secwatch.observer/filing/0001784535-25-000102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1784535/000178453525000102/0001784535-25-000102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1784535/000178453525000102/prch-20251105.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:21:28.879881+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}