Porch Group, Inc.

Annual Trend FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Net income (loss) $32k ($51.6m) ($106.6m) ($156.6m) ($133.9m) ($32.8m) $15.3m
Depreciation and amortization $7.4m $6.6m $16.4m $27.9m $24.4m $25.5m $24.5m
Impairment loss on intangible assets and goodwill $0 $61.4m $57.2m $0 $0
Gain on extinguishment of debt $483k ($5.7m) ($5.1m) $0 ($81.4m) ($27.4m) ($395k)
Loss on divestiture of business $5.0m ($1.4m) $0 $0 $5.3m $0
Non-cash interest expense $2.4m $7.5m $2.4m $2.3m $20.8m $27.3m $29.2m
Provision for doubtful accounts $1.1m $805k $37.2m $239k $5.3m
Change in fair value of private warrant liability $2.1m $2.6m $15.4m ($14.5m) $444k ($691k) $4.0m
Change in fair value of contingent consideration ($2.2m) $6.9m ($5.7m) ($3.4m) ($44k)
Change in fair value of derivatives ($13.8m) $4.2m ($5.9m) ($19.6m)
Stock-based compensation $36.0m $11.4m $38.6m $27.0m $20.7m $27.2m $29.0m
Gain on settlement of contingent consideration $0 $0 ($14.9m) $0
Other operating activities $3.6m $1.1m ($4.1m) ($2.6m)
Accounts receivable ($1.8m) $16k ($2.9m) ($4.9m) $1.0m ($155k) ($5.5m)
Reinsurance balance due ($15.3m) ($70.6m) $179.4m ($7.4m) $53.6m
Deferred policy acquisition costs ($4.2m) ($4.7m) ($18.5m) $9.6m ($9.2m)
Accounts payable $23k $3.8m ($11.8m) ($697k) $2.5m ($4.2m) ($162k)
Accrued expenses and other current liabilities $2k ($15.9m) ($16.0m) ($6.5m) ($1.4m) ($10.7m) $4.1m
Losses and loss adjustment expense reserves ($22.4m) $38.7m ($5.1m) ($27.7m) ($18.6m)
Other insurance liabilities, current $14.4m $21.7m ($30.1m) $7.6m ($15.3m)
Deferred revenue ($803k) $1.9m $53.6m $66.3m ($21.6m) ($437k) ($25.0m)
Refundable customer deposits $6.1m ($3.5m) ($3.5m) $6.5m ($13.9m) ($5.4m) ($94k)
Other assets and liabilities, net ($975k) ($1.8m) ($399k) ($990k) ($3.5m) $10.9m ($2.0m)
Purchases of property and equipment ($478k) ($279k) ($972k) ($2.4m) ($851k) ($523k) ($454k)
Capitalized internal use software development costs ($4.1m) ($2.6m) ($3.7m) ($8.1m) ($9.2m) ($12.3m) ($13.9m)
Proceeds from sale of business $0 $0 $10.9m $1.2m
Acquisitions, net of cash acquired $116k ($7.8m) ($256.4m) ($38.6m) ($2.0m) $0 $0
Proceeds from advance funding $0 $18.6m $319k $0 $0
Repayments of advance funding $0 ($22.7m) ($4.1m) $0 $0
Repayments of principal ($202k) ($81.6m) ($47.0m) ($5.2m) ($10.2m) ($23.4m) ($68.2m)
Repurchase of stock ($42k) $0 ($1.8m) ($5.6m) $0 $0
Non-cash reduction in advance funding arrangement obligations $0 $11.8m $94k $0
Non-cash reduction of convertible notes, net $2.7m $0 $0 $15.0m
Non-cash additions of internally developed software $0 $0 $434k
Non-cash warrant exercises $0 $0 $4.5m
Net cash provided by (used in) operating activities ($283k) ($48.7m) ($34.8m) ($17.7m) $33.9m ($31.7m) $66.4m
Purchases of short-term and long-term investments ($24.0m) ($52.5m) ($91.0m) ($110.9m) ($148.3m)
Maturities, sales of short-term and long-term investments $21.7m $21.9m $46.8m $67.8m $89.6m
Net cash used in investing activities ($172.5m) ($10.7m) ($263.4m) ($79.7m) ($56.3m) ($45.1m) ($71.9m)
Proceeds from issuance of debt $31.3m $66.2m $413.5m $10.0m $116.7m $0 $51.0m
Cash paid for debt issuance costs $0 $0 ($4.7m) $0 ($2.2m)
Other financing activities $4.0m $401k ($210k) ($339k) ($2.8m)
Net cash used in financing activities $174.2m $259.6m $415.5m $1.2m $91.0m ($23.7m) ($22.2m)
Net change in cash, cash equivalents, and restricted cash and cash equivalents $117.3m ($96.2m) $68.6m ($100.5m) ($27.7m)
Cash, cash equivalents, and restricted cash and cash equivalents at beginning of period $7.2m $207.5m $324.8m $228.6m $297.2m $196.8m $169.1m
Cash paid for interest $3.5m $9.1m $2.7m $3.5m $12.2m $23.8m $29.0m
Income taxes paid (refunded) $0 ($674k) $2.3m $621k $562k