Cloud-Based Services

restructuring affecting expense

“Losses due to impairment of long-lived assets are included in product and technology expense in the Consolidated Statements of Operations and Comprehensive Loss.”

PRCH 10-K

pricing affecting revenue

“However, this decrease was offset by an increase in Annualized Average Revenue per Company due to price increases on our title insurance software.”

PRCH 10-Q

credit / rates affecting interest expense

“Three Months Ended March 31, 2026 2025 Amount Margin Amount Margin Net income $ 1,936 2% $ 3,736 4% Net loss (income) attributable to the Reciprocal (6,649) (6)% 4,659 6% Interest expense 14,602 13% 11,195 13% Income tax provision 37 —% 14 —% Depreciation and amortization 4,115 4% 5,024 6% Other income, net (17) —% (7,162) (8)% Stock-based compensation expense 7,283 7% 4,910 6% Mark-to-market gains (1,780) (2)% (5,969) (7)% Other 175 —% 454 1% Adjusted EBITDA $ 19,702 18% $ 16,861 20% Porch Shareholder Interest Revenue $ 109,438 100% $ 84,546 100% Our segment operating and financial performance measures are Gross Profit and Adjusted EBITDA (Loss) for the Insurance Services, Software & Data, and Consumer Services segments.”

PRCH 10-Q