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Porch Group (PRCH) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 28, 2026 · Porch Group (PRCH) Q3 2026 earnings results →
Q3 2026 Revenue up 13% year over year to $144M · 8¢ of every $1 of revenue kept as net profit · operating margin 12.6%
Porch Group made $144M in Q3 2026 (+13% Y/Y): Reciprocal Segment $94.2M, Software & Data $19.7M, Consumer Services $18.3M. Operating margin 12.6%, net earnings $12.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 28, 2026.
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What changed this quarter
Revenue was $143.9M in Q3 2026, up 13% year over year and up 2% from the previous quarter. Reciprocal Segment was the largest line at 65% of revenue. Reciprocal Segment added $15.7M year over year (up 20%), 95% of the total change. Software & Data declined 10%.
Gross margin was 75.0%, down 0.6 points from Q3 2025. Operating profit was $18.1M, a 12.6% margin (down 0.3 points year over year). Of the extra revenue versus Q3 2025, 11% reached operating profit, below the 13% margin then. Operating expenses grew 12% against revenue growth of 13%. The fastest-growing cost line was Other operating costs (+19%). Net earnings were $12.2M ($9.0M including minority interests, which bore $3.2M of losses). The effective tax rate was -12.4%.
Operating cash flow was $59.5M (up 46% year over year), 660% of net income including minority interests. Non-cash charges added back $5.2M of depreciation and amortization and $11.4M of share-based compensation. Working capital and other items added $33.9M. Capital expenditures of $367K left free cash flow of $59.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 28, 2026 | $144M | +13% | 12.6% | $12.2M | $59.5M |
| Q2 2026 | 10-Q | Jul 29, 2026 | $141M | +12% | -2.9% | −$14.2M | $41.3M |
| Q1 2026 | 10-Q | Apr 28, 2026 | $121M | +16% | 9.8% | $1.9M | $13.0M |
| Q4 2025 | 10-K | Feb 20, 2026 | $124M | +24% | 13.2% | $4.3M | $1.2M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $118M | +6% | 13.8% | −$982K | $40.8M |
| Q2 2025 | 10-Q | Aug 5, 2025 | $119M | +8% | 4.2% | $2.6M | $35.6M |
| Q1 2025 | 10-Q | May 8, 2025 | $105M | -9% | -1.2% | $3.7M | −$11.2M |
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🔄Rotation against the market and its industry (RRG)interactive
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About Porch Group
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. Leveraging unique property insights, we can assess risk with greater precision, enabling competitive pricing for low-risk customers and avoiding high-risk customers, while delivering superior underwriting performance.
In its own words, from its 10-K, filed Feb 20, 2026.
Porch Group against its Accident & Health Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +13% against the peers' median -9%. Operating margin: 12.6% against the peers' median 15.3%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PRCH Porch Group | Q3 2026 | $144M | +13% | 12.6% |
| PFG Principal Financial Group | Q3 2026 | $4.6B | +25% | 18.2% |
| AFL Aflac | Q3 2026 | $3.3B | -31% | 15.3% |
| UNM Unum | Q3 2026 | $2.5B | -25% | -21.6% |
| CNO CNO Financial Group | Q3 2026 | $1.1B | -9% | 20.3% |
Source: Porch Group 10-Q on SEC EDGAR · CIK 1784535 · Accident & Health Insurance
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History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results