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Porch Group (PRCH) investor relations material
Porch Group Corporate Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Corporate Presentation summary10 Sep, 2025
Strategic positioning and business model
Operates in large markets including insurance, data, software, warranty, and moving, with U.S. homeowners insurance TAM exceeding $170B.
Utilizes unique property data covering ~90% of U.S. homes to drive superior underwriting and risk selection.
Transitioned to a commission and fee-based model as manager of a policyholder-owned reciprocal, eliminating direct weather exposure and enabling ~80% gross margins.
Maintains a diversified revenue stream from insurance services, software & data, and consumer services, with insurance services comprising 61% of 2025 YTD revenue.
Early access to homebuyers through proprietary software brands and partnerships, supporting customer acquisition without heavy brand spend.
Financial performance and outlook
2025 guidance targets $415M in revenue and $67.5M in Adjusted EBITDA, with a 2026 Adjusted EBITDA target of $100M.
Q2 2025 results show $120.7M in revenue, $89.2M gross profit (83% margin), and $15.6M Adjusted EBITDA, reflecting significant year-over-year growth.
Gross margins increased from 48% to 80% following the transition to the reciprocal structure.
Cash and investments for shareholders rose from $70M at year-end 2024 to $117.5M in Q2 2025.
Medium-term targets include $2.3B revenue and $660M Adjusted EBITDA, with sustainable 20%+ growth and long-term EBITDA margins expected to exceed 40%.
Risk management and competitive advantages
Proprietary data enables better risk selection, offering lower prices for lower-risk homes and surcharges for higher-risk properties.
Industry-leading loss ratios and combined ratios, validated by AM Best reports, demonstrate superior underwriting performance.
Catastrophic weather risk is mitigated through reinsurance and the reciprocal structure, with Porch shareholders no longer directly exposed.
Five income streams from policy fees, management fees, reinsurance, lead fees, and surplus note interest drive strong financial results.
Recurring revenue exceeds 90%, supporting predictability and scalability.
Porch Group's income streams from the Reciprocal
Impact of Porch's data on Reciprocal loss ratios?
Reciprocal surplus growth to Porch Adj EBITDA link
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Next Porch Group earnings date
Q3 20256 Nov, 2025
Next Porch Group earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
Porch Group Inc. operates a software platform in the United States and Canada. It offers a software solution that connects homeowners with home professionals for home improvement, maintenance, and repair work; and plan, execute, and track projects to completion. The company's software platform provides automated quotes on remodel or new construction projects for home professionals through cost database; details about project costs for pros and homeowners; and tools to measure contractor performance.
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