PRCH
Porch Group, Inc.
Price as of Jul 17, 2026
PRCH earnings
Porch Group, Inc. earnings
Reported EPS and revenue history, upcoming estimates and available earnings-call summaries.
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 28, 2026 | $-0.10 | $-0.04 | +60.0% | $109M | +15.5% |
| Feb 11, 2026 | $-0.08 | $-0.03 | +62.5% | $124M | +21.9% |
| Nov 5, 2025 | $-0.08 | $-0.10 | -25.0% | $118M | +8.6% |
| Nov 7, 2024 | $-0.01 | $-0.02 | -140.7% | $111M | +1.5% |
| Mar 7, 2024 | $-0.19 | $-0.06 | +68.4% | $115M | +15.4% |
| Mar 14, 2023 | $-0.28 | $-0.36 | -28.6% | $64M | -3.3% |
| Aug 9, 2022 | $-0.24 | $-0.27 | -12.5% | $71M | -9.8% |
| Mar 1, 2022 | $-0.21 | $-0.25 | -19.0% | $52M | -5.6% |
| Nov 15, 2021 | $-0.16 | $-0.15 | +6.3% | $63M | +9.6% |
| Aug 16, 2021 | $-0.23 | $-0.17 | +26.1% | $51M | -9.2% |
| May 17, 2021 | $-0.23 | $-0.35 | -52.2% | $27M | +22.7% |
| Dec 3, 2020 | — | $-0.11 | — | $22M | — |
Earnings call summary
Q1 FY2026 · April 28, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
• 2026 Q1 results exceeded expectations, and full year guidance for Porch shareholder interest revenue, gross profit and adjusted EBITDA was raised. • Portra is a simpler, higher margin fee and commission based business. • Insurance services delivered 50% year-over-year revenue growth in Q1. • AI is being used across Porch to improve engineering velocity, operations, customer support, etc. • Focus on scaling the insurance growth engine with capacity, top of funnel, and conversion. • Launched Porch Insurance in Texas as a tailwind for conversion.
Guidance
• Raised revenue guidance to a range of $495 million to $507 million, representing 20% year-over-year growth at the midpoint. • Raised gross profit guidance to a range of $401 million to $413 million, still with an 81% gross margin at the midpoint. • Raised adjusted EBITDA guidance to a range of $103 million to $109 million, still a 21% adjusted EBITDA margin at the midpoint.
Segment performance
Insurance services: Q1 revenue was $75 million, up 50% year-over-year. Gross profit was $64 million with an 85% gross margin. Adjusted EBITDA was $27 million, or a 37% margin. Software and data: Revenue was $22 million in Q1, gross profit was $17 million with a 75% gross margin, and adjusted EBITDA was $4.6 million. Consumer services: Segment revenue was $15 million, gross profit was $13 million with an 87% gross margin, and adjusted EBITDA was approximately break-even. Revenue contribution: Insurance services contributed 68%, software and data 20%, with the remainder from consumer services.
Risks & headwinds
• Macro environment changes could impact business. • Competition in the insurance industry. • Risks related to AI application and integration. • Seasonal factors affecting cash flow timing for the reciprocal.
Analyst Q&A
Q: Thoughts on RWP guide for the year and premium per policy written?
A: Sean mentioned revenue guidance increased, and Matt and Matthew discussed porch insurance's impact on premium mix and future growth.
Q: Talk about loss ratios or combined ratio trends for Q1?
A: Matt and Gaston discussed Q1 gross loss ratios of 24% and attritional loss ratios of 19%, and Porch's consistent top-performing loss ratios.
Q: Cash flow for operations and home factors?
A: Sean talked about cash flow timing and statutory surplus, and Matthew discussed home factors' internal use and external commercialization.
Q: Price action and conversion rate improvement?
A: Matt and Adam discussed pricing actions and conversion rate drivers.
Q: Top of funnel disruption from AI and M&A appetite?
A: Ryan and Matt discussed Porch's net AI beneficiary position and potential M&A activity.
Q: Porch Insurance rollout and software/data/consumer services KPIs?
A: Timothy discussed Porch Insurance rollout feedback and how KPIs in software/data and consumer services may perform with housing market unthaw.
Q: Agency branch locations saturation and conversion levers?
A: Matt discussed agency branch locations growth potential and conversion rate levers consideration.
Earnings history is derived from company filings and calendar data. Call summaries are grouped by reporting period. Latest covered event: 2026-08-04.