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Porch Group Posts Strong Q4 2025 Under Reciprocal Model

Story Highlights
  • Porch Group’s Q4 2025 results beat expectations, with strong revenue, improved profitability metrics, and positive operating cash flow under its new reciprocal model.
  • In 2025 the Reciprocal business scaled rapidly, boosting written premiums, policy counts, and statutory surplus, signaling stronger capitalization and growth momentum in homeowners insurance.
  • Looking for the best stocks to buy? Follow the recommendations of top-performing analysts.
Porch Group Posts Strong Q4 2025 Under Reciprocal Model

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The latest update is out from Porch Group ( (PRCH) ).

Porch Group reported that for the fourth quarter of 2025, revenue attributable to its shareholders reached $112.3 million, with a net loss of $3.5 million and Adjusted EBITDA of $23.5 million, while consolidated revenue was $124.3 million and net income was $4.3 million. The results, released on February 11, 2026, capped a strong first year under its Reciprocal Exchange model, highlighted by 6% gross profit growth, 21% Adjusted EBITDA margin for shareholder interests, positive operating cash flow, and a best‑in‑class 27% gross loss ratio at the Reciprocal.

Operationally in 2025, Porch saw top‑of‑funnel momentum with active agencies and quote volumes more than doubling year over year in the fourth quarter, and late‑year actions drove sharp acceleration in Reciprocal Written Premium from new customers in November and December. The Reciprocal insurance entity finished 2025 with $480.9 million in written premium, 175,000 policies written, and statutory surplus of $155.1 million, underscoring strengthened capitalization and positioning the company to scale its homeowners insurance platform further.

The most recent analyst rating on (PRCH) stock is a Buy with a $10.50 price target. To see the full list of analyst forecasts on Porch Group stock, see the PRCH Stock Forecast page.

Spark’s Take on PRCH Stock

According to Spark, TipRanks’ AI Analyst, PRCH is a Neutral.

Porch Group’s overall stock score reflects its strong earnings performance and cash flow improvements, offset by balance sheet risks and bearish technical indicators. The company’s valuation is moderate, and while the earnings call provided positive insights, external market challenges remain.

To see Spark’s full report on PRCH stock, click here.

More about Porch Group

Porch Group, Inc., listed on Nasdaq as PRCH, is a homeowners insurance company that operates through Insurance Services, Software & Data, and Consumer Services segments. The business focuses on a commission‑ and fee‑based model and leverages proprietary property data and underwriting to serve homeowners and insurance partners through a mix of insurance products and technology-driven services.

Average Trading Volume: 1,539,669

Technical Sentiment Signal: Sell

Current Market Cap: $775.5M

For detailed information about PRCH stock, go to TipRanks’ Stock Analysis page.

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