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Porch Group cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$59.2M in Q3 2026 · $114M over twelve months

Operating cash flow$59.5M
Capital spending−$367K
Free cash flow+$59.2M
Cash / net income6.6×

Analysis

In Q3 2026, Porch Group generated $59.5M of operating cash flow and spent $367K on capital projects, leaving free cash flow of $59.2M. That is $18.4M more than in Q3 2025 ($40.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $115M; the largest uses were other investing ($64.4M), net borrowing (+) / repaid (−) ($7.8M), buybacks ($2.5M); the cash balance rose by $37.7M.

Operating cash flow was $59.5M against net income of $9.0M — 6.6× profit, cash ran ahead of reported earnings. The largest differences: deferred revenue +$27.0M, stock-based pay +$11.4M, other operating capital −$6.6M.

Free cash flow

Porch Group: free cash flow by quarterPorch Group: free cash flow by quarter−$26.8MQ4 2024−$11.2MQ1 2025$35.4MQ2 2025$40.7MQ3 2025$1.1MQ4 2025$12.8MQ1 2026$40.9MQ2 2026$59.2MQ3 2026
Operating cash flow less capital spending.
Porch Group: operating cash flow against capital spendingPorch Group: operating cash flow against capital spendingOperating cash flowCapital spending−$26.6M$192KQ4 2024−$11.2M$65KQ1 2025$35.6M$206KQ2 2025$40.8M$91KQ3 2025$1.2M$92KQ4 2025$13.0M$176KQ1 2026$41.3M$372KQ2 2026$59.5M$367KQ3 2026
Latest (Q3 2026): Operating cash flow $59.5M, Capital spending $367K.

Capital allocation, year by year

Porch Group: where the cash came from (up) and went (down), by fiscal yearPorch Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow −$34.8MFY2021: Net borrowing $367MFY2021: Shares issued $4.3MFY2021: Capital spending −$972KFY2021: Acquisitions −$256M$371MFY2021FY2022: Operating cash flow −$17.7MFY2022: Net borrowing $9.8MFY2022: Capital spending −$2.4MFY2022: Acquisitions −$38.6MFY2022: Buybacks −$1.8M$9.8MFY2022FY2023: Operating cash flow $33.9MFY2023: Net borrowing $107MFY2023: Capital spending −$851KFY2023: Acquisitions −$2.0MFY2023: Buybacks −$5.6M$140MFY2023FY2024: Operating cash flow −$31.7MFY2024: Net borrowing −$23.4MFY2024: Asset sales $10.9MFY2024: Capital spending −$523K$10.9MFY2024FY2025: Operating cash flow $66.4MFY2025: Net borrowing −$17.2MFY2025: Asset sales $1.2MFY2025: Capital spending −$454K$67.6MFY2025
Over these 5 years operating cash flow totalled $16.2M; the largest uses were acquisitions ($297M) and operating cash flow ($84.2M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$235M
Debt$404M
Net debt$169M
Due within a year$7.8M

Porch Group funds itself: free cash flow was $114M over the last twelve months, and $235M of cash and investments stands against $404M of debt ($7.8M due within a year, 30.1× covered by cash).

Porch Group: debt maturities by year (FY2025)Porch Group: debt maturities by year (FY2025)$7.8MYear 1$15.0MYear 2$318MYear 3$134MYear 5
Principal due in each year as disclosed in the annual report, against $235M of cash and investments now.

Where the cash came from and went

Porch Group: sources (+) and uses (−) of cash, Q3 2026Porch Group: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$59.5MCash drawn (+) / kept (−)−$34.9MOther investing−$16.8MNet borrowing (+) / repaid (−)−$7.8MOther financing$380KCapital spending−$367K
Porch Group: sources (+) and uses (−) of cash, TTM to Q3 2026Porch Group: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$115MOther investing−$64.4MCash drawn (+) / kept (−)−$37.7MNet borrowing (+) / repaid (−)−$7.8MBuybacks−$2.5MOther financing−$1.6MCapital spending−$1.0M

From profit to cash

Porch Group: net income to operating cash flow, Q3 2026Porch Group: net income to operating cash flow, Q3 2026Net income$9.0MDepreciation & amortization$5.2MStock-based pay$11.4MReceivables−$1.3MPayables−$4KAccrued liabilities$474KDeferred revenue$27.0MPrepaid and other assets$3.8MOther operating capital−$6.6MOperating cash flow$59.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q1 20269—11-2
Q4 20259—14-5
Q3 20259—13-4
Q2 20259—10-1
Q1 202513—122
Q4 202419—32-13

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$59.5M−$367K—−$7.8M−$34.9M$59.2M
Q2 2026$41.3M−$372K——−$16.2M$40.9M
Q1 2026$13.0M−$176K−$2.5M—−$10.2M$12.8M
Q4 2025$1.2M−$92K——$23.7M$1.1M
Q3 2025$40.8M−$91K—−$12.3M−$4.9M$40.7M
Q2 2025$35.6M−$206K—−$55.7M−$21.9M$35.4M
Q1 2025−$11.2M−$65K—−$150K$30.8M−$11.2M
Q4 2024−$26.6M−$192K—−$169K$19.9M−$26.8M

Porch Group: income statement and cash flow

Porch Group, Q3 2026: revenue $144M (+13% year over year), operating margin 12.6%. The chart follows the revenue to costs, profit and cash.

Porch Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.