{"schema_version":"secwatch.filing_event.v1","accession":"0001784535-26-000004","form_type":"8-K","ticker":"PRCH","cik":"0001784535","company_name":"Porch Group, Inc.","filed_at":"2026-02-11T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.165010+00:00","generated_at":"2026-05-16T03:20:53.439571+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 Q4 beats, Adj EBITDA $23.5M; guides 2026 Adj EBITDA $98-105M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001784535-26-000004","json":"https://secwatch.observer/filing/0001784535-26-000004.json","markdown":"https://secwatch.observer/filing/0001784535-26-000004.md","text":"https://secwatch.observer/filing/0001784535-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1784535/000178453526000004/0001784535-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1784535/000178453526000004/prch-20260211.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T03:20:53.439571+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"}