<p>Porch Group, Inc. ((PRCH)) 最近召开了第三季度财报电话会议。请继续阅读以了解会议的主要亮点。</p>
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<p>Porch Group, Inc. 最近召开了财报电话会议，揭示了强劲的财务成就与持续的挑战。整体情绪积极，调整后的 EBITDA 和盈余生成取得了显著进展，尤其是在保险部门。然而，公司也承认面临住房市场疲软和地理集中风险等障碍。</p>
<h2>超过调整后的 EBITDA 预期</h2>
<p>Porch Group, Inc. 在第三季度实现了 2100 万美元的调整后 EBITDA 和 2900 万美元的运营现金流，超出了最初设定的 2025 年 5000 万美元目标，并在今年前九个月内实现。</p>
<h2>显著的盈余生成</h2>
<p>公司报告称，互惠盈余大幅增长，季度环比增加超过 1 亿美元，达到 4.12 亿美元。这使 Porch Group 在未来的保费扩展和利润增长方面处于良好位置。</p>
<h2>强劲的保险部门表现</h2>
<p>Porch 的保险服务部门表现强劲，调整后的 EBITDA 利润率为 34%。第三季度的转化率从 16% 提升至 18%，突显了该部门的效率和盈利能力。</p>
<h2>软件和数据增长</h2>
<p>软件和数据部门的收入较去年增长 7%，毛利率为 74%。这一增长得益于产品创新和战略性提价。</p>
<h2>持续的住房市场挑战</h2>
<p>尽管有所改善，住房市场仍然对 Porch Group 造成挑战。这影响了依赖每笔交易收费的软件和数据以及消费者服务部门。</p>
<h2>地理集中风险</h2>
<p>Porch Group 面临较高的地理集中风险，约 60% 的互惠书面保费来自德克萨斯州。如果区域市场条件发生变化，这种集中可能带来风险。</p>
<h2>前瞻性指导</h2>
<p>展望未来，Porch Group 对其未来表现持乐观态度。公司预计全年调整后 EBITDA 将达到 7000 万美元，比去年增长十倍。第三季度毛利润为 9400 万美元，毛利率为 82%，收入达到 1.15 亿美元。保险部门的转化率提高至 18%，第三季度的互惠书面保费为 1.38 亿美元。互惠盈余季度环比增加 1.13 亿美元，达到 4.12 亿美元。Porch 还指出，年初至今的毛利润同比增长 119%，调整后 EBITDA 较去年改善 8800 万美元。</p>
<p>总之，Porch Group, Inc. 的财报电话会议突显了强劲的财务表现，尤其是在保险部门，尽管在住房市场和地理集中风险方面仍面临挑战。公司的前瞻性指导表明持续增长和盈利能力，使其成为投资者的一个有趣选择。</p>

PRCH

<p>Porch Group, Inc. 在其第三季度财报电话会议中超出了预期，报告调整后 EBITDA 为 2100 万美元，运营现金流为 2900 万美元。保险部门表现强劲，调整后 EBITDA 利润率达到 34%，而软件和数据部门增长了 7%。尽管面临住房市场的挑战和地理集中风险，Porch Group 预计全年调整后 EBITDA 将达到 7000 万美元，反映出对投资者的显著增长和盈利潜力</p>

<p>Porch Group, Inc. ((PRCH)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Porch Group, Inc. ((PRCH)) 最近召开了第三季度财报电话会议。请继续阅读以了解会议的主要亮点。</p>
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</div><p>Porch Group, Inc. recently held its earnings call, revealing a mix of robust financial achievements and ongoing challenges. The general sentiment was positive, with significant strides in adjusted EBITDA and surplus generation, particularly within the insurance segment. However, the company acknowledged hurdles such as a sluggish housing market and geographic concentration risks.</p>
<div class="lb-trans"><p>Porch Group, Inc. 最近召开了财报电话会议，揭示了强劲的财务成就与持续的挑战。整体情绪积极，调整后的 EBITDA 和盈余生成取得了显著进展，尤其是在保险部门。然而，公司也承认面临住房市场疲软和地理集中风险等障碍。</p>
</div><h2>Exceeded Adjusted EBITDA Expectations</h2>
<div class="lb-trans"><h2>超过调整后的 EBITDA 预期</h2>
</div><p>Porch Group, Inc. surpassed expectations by delivering $21 million in adjusted EBITDA and $29 million in cash flow from operations in the third quarter. This performance exceeded the initial $50 million target set for 2025, achieved within the first nine months of the year.</p>
<div class="lb-trans"><p>Porch Group, Inc. 在第三季度实现了 2100 万美元的调整后 EBITDA 和 2900 万美元的运营现金流，超出了最初设定的 2025 年 5000 万美元目标，并在今年前九个月内实现。</p>
</div><h2>Significant Surplus Generation</h2>
<div class="lb-trans"><h2>显著的盈余生成</h2>
</div><p>The company reported a substantial increase in reciprocal surplus, which grew by over $100 million quarter-over-quarter to reach $412 million. This positions Porch Group well for future premium scaling and profit growth.</p>
<div class="lb-trans"><p>公司报告称，互惠盈余大幅增长，季度环比增加超过 1 亿美元，达到 4.12 亿美元。这使 Porch Group 在未来的保费扩展和利润增长方面处于良好位置。</p>
</div><h2>Strong Insurance Segment Performance</h2>
<div class="lb-trans"><h2>强劲的保险部门表现</h2>
</div><p>Porch’s Insurance Services segment demonstrated strong performance with a 34% adjusted EBITDA margin. The conversion rate improved from 16% to 18% in the third quarter, underscoring the segment’s efficiency and profitability.</p>
<div class="lb-trans"><p>Porch 的保险服务部门表现强劲，调整后的 EBITDA 利润率为 34%。第三季度的转化率从 16% 提升至 18%，突显了该部门的效率和盈利能力。</p>
</div><h2>Software and Data Growth</h2>
<div class="lb-trans"><h2>软件和数据增长</h2>
</div><p>The Software and Data segment experienced a 7% revenue increase compared to the previous year, with a 74% gross margin. This growth was driven by product innovation and strategic price increases.</p>
<div class="lb-trans"><p>软件和数据部门的收入较去年增长 7%，毛利率为 74%。这一增长得益于产品创新和战略性提价。</p>
</div><h2>Continued Challenging Housing Market</h2>
<div class="lb-trans"><h2>持续的住房市场挑战</h2>
</div><p>Despite some improvements, the housing market continues to pose challenges for Porch Group. This has impacted the Software and Data and Consumer Services segments, which rely on per transaction charges.</p>
<div class="lb-trans"><p>尽管有所改善，住房市场仍然对 Porch Group 造成挑战。这影响了依赖每笔交易收费的软件和数据以及消费者服务部门。</p>
</div><h2>Geographic Concentration</h2>
<div class="lb-trans"><h2>地理集中风险</h2>
</div><p>Porch Group faces a high geographic concentration risk, with approximately 60% of its reciprocal written premium originating from Texas. This concentration could pose risks if regional market conditions change.</p>
<div class="lb-trans"><p>Porch Group 面临较高的地理集中风险，约 60% 的互惠书面保费来自德克萨斯州。如果区域市场条件发生变化，这种集中可能带来风险。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指导</h2>
</div><p>Looking ahead, Porch Group is optimistic about its future performance. The company expects to achieve $70 million in adjusted EBITDA for the full year, a tenfold increase from the previous year. Q3 gross profit was $94 million with an 82% gross margin, and revenue reached $115 million. The insurance segment’s conversion rate improved to 18%, with RWP for Q3 at $138 million. The reciprocal surplus increased by $113 million quarter-over-quarter, reaching $412 million. Porch also noted a 119% year-over-year increase in year-to-date gross profit and an $88 million improvement in adjusted EBITDA compared to the prior year.</p>
<div class="lb-trans"><p>展望未来，Porch Group 对其未来表现持乐观态度。公司预计全年调整后 EBITDA 将达到 7000 万美元，比去年增长十倍。第三季度毛利润为 9400 万美元，毛利率为 82%，收入达到 1.15 亿美元。保险部门的转化率提高至 18%，第三季度的互惠书面保费为 1.38 亿美元。互惠盈余季度环比增加 1.13 亿美元，达到 4.12 亿美元。Porch 还指出，年初至今的毛利润同比增长 119%，调整后 EBITDA 较去年改善 8800 万美元。</p>
</div><p>In summary, Porch Group, Inc.’s earnings call highlighted a strong financial performance, particularly in the insurance segment, despite ongoing challenges in the housing market and geographic concentration risks. The company’s forward-looking guidance suggests continued growth and profitability, making it an interesting prospect for investors.</p>
<div class="lb-trans"><p>总之，Porch Group, Inc. 的财报电话会议突显了强劲的财务表现，尤其是在保险部门，尽管在住房市场和地理集中风险方面仍面临挑战。公司的前瞻性指导表明持续增长和盈利能力，使其成为投资者的一个有趣选择。</p>
</div>

Porch Group 在财报电话会议中表现超出预期