---
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"
generated_at: "2026-05-16T03:20:53.439571+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001784535-26-000004
- JSON: https://secwatch.observer/filing/0001784535-26-000004.json
- Plain text: https://secwatch.observer/filing/0001784535-26-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.