Porch Group Q4 beats, Adj EBITDA $23.5M; guides 2026 Adj EBITDA $98-105M

Porch Group, Inc.

2025-FY EPS reported -$0.03 revenue$482,414,000

Porch Shareholder Interest Q4 revenue $112.3M; net loss $(3.5)M; Adjusted EBITDA $23.5M.
Reciprocal Written Premium Q4 $125.7M, full year $480.9M; gross loss ratio 27% best-in-class.
2026 guidance: Porch Shareholder Interest Adj EBITDA $98-105M; RWP target $600M (+25% YoY).
Q4 statutory surplus at Reciprocal $155.1M, up $49.4M YoY; surplus+non-admitted assets $289.4M.
Active agencies and quotes each >100% YoY; new customer RWP in Nov-Dec accelerated 61% and 104% vs prior avg.

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