PRCHHIGH SIGNALFINANCIAL10-K

PRCH underwent a dramatic balance sheet contraction with cash declining 73% to $45M while losses narrowed substantially and gross profit grew meaningfully.

The severe cash decline from $168M to $45M raises immediate liquidity concerns for this loss-making company, despite improved profitability metrics. The company appears to have undergone significant operational restructuring, evidenced by the massive reduction in both current assets and liabilities, suggesting either asset sales, business unit divestitures, or major operational changes.

Comparing 2026-02-20 vs 2025-02-25View on EDGAR →
FINANCIAL ANALYSIS

PRCH's financial profile shifted dramatically with revenue growing modestly by 10% while gross profit expanded substantially and net losses narrowed meaningfully from -$33M to -$3M. However, the balance sheet contracted severely with cash declining 73% to just $45M and current assets falling 76%, though current liabilities also dropped 84%. The combination of improved operating performance but drastically reduced cash position creates a mixed but concerning financial picture requiring close monitoring of liquidity.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+89.8%
-$32.8M-$3.4M

Net income grew 89.8% — bottom-line growth signals improving overall business health.

Current Liabilities
Balance Sheet
-83.6%
$414.2M$67.8M

Current liabilities reduced — improved short-term financial position and working capital health.

Current Assets
Balance Sheet
-75.8%
$365.1M$88.2M

Current assets declined 75.8% — monitor working capital adequacy and short-term liquidity.

Cash & Equivalents
Balance Sheet
-73.4%
$167.6M$44.7M

Cash declined 73.4% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Gross Profit
P&L
+68.4%
$201.9M$340.0M

Gross profit expanding — improving pricing power or product mix shift toward higher-margin offerings.

Stockholders Equity
Balance Sheet
+43%
-$43.2M-$24.6M

Equity base grew 43% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Accounts Receivable
Balance Sheet
-40.8%
$19.1M$11.3M

Receivables declined — improved collection efficiency or conservative revenue recognition.

Revenue
P&L
+10.2%
$437.8M$482.4M

Revenue growing 10.2% — solid top-line momentum, watch margins for quality of growth.

LANGUAGE CHANGES
NEW — 2026-02-20
PRIOR — 2025-02-25
ADDED
The number of outstanding shares of the registrant s common stock as of February 16, 2026, was 124,461,898 .
This includes 18,312,208 shares of common stock held by Porch Reciprocal Exchange, the registrant s affiliate.
These shares held by our affiliate are considered treasury shares for GAAP accounting purposes and under Delaware law are not considered outstanding for quorum and are not entitled to vote.
Business Page Company Overview 5 Core Differentiation 6 Industry Trends 7 Strategic Growth Pillars 7 Government Regulation 8 Human Capital Management 10 Available Information 11 Company Overview Introduction to Porch Porch Group, Inc., together with its consolidated subsidiaries, ( Porch, the Company, we, our, us ) is a new kind of homeowners insurance company one designed to stand out in a massive and growing market of more than $100 billion.
Our strategy is built on three differentiators that set us apart.
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REMOVED
Shares of common stock held by each executive officer and director and by each shareholder affiliated with a director or an executive officer have been excluded from this calculation because such persons may be deemed to be affiliates.
This determination of affiliate status is not necessarily a conclusive determination for other purposes.
The number of outstanding shares of the registrant s common stock as of February 18, 2025 was 120,063,981 .
This includes 18,312,208 shares of common stock held by Homeowners of America, the registrant s affiliate.
Business Page Company Overview 5 Core Differentiation 7 Industry Trends 7 Strategic Growth Pillars 8 Government Regulation 8 Human Capital Management 11 Available Information 11 Company Overview Introduction to Porch Group Porch Group, Inc., together with its consolidated subsidiaries, ( Porch Group, Porch, the Company, we, our, us ) is a new kind of homeowners insurance company.
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