Porch Group, Inc. (PRCH) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.934 Good afternoon, everyone. Thank you for participating in Porch Group's fourth quarter 00:00:03.934 -- 00:00:05.476 2025 00:00:05.476 -- 00:00:10.000 conference call. Today, we issued our earnings release and filed our related form 8K 00:00:10.000 -- 00:00:16.544 with SEC. The press release can be found on our investor relations website at ir.porchgroup.com. 00:00:17.406 -- 00:00:21.690 I would like to take a moment to review the company's safe harbor statement within the 00:00:21.690 -- 00:00:26.314 meaning of the Private Securities Litigation Reform Act of 1995, 00:00:26.314 -- 00:00:30.796 which provides important cautions regarding forward-looking statements. 00:00:31.385 -- 00:00:36.049 Today's discussion, including responses to your questions, reflect management's views 00:00:36.049 -- 00:00:41.114 as of today, February 11, 2026. We do not undertake any obligations to 00:00:41.114 -- 00:00:45.618 update or revise this information. Additionally, we will make forward-looking statements 00:00:45.618 -- 00:00:50.823 about our future financial or business performance or conditions, business strategy 00:00:50.823 -- 00:00:55.327 and plans. These statements are subject to risk and uncertainties, which could cause 00:00:55.327 -- 00:00:58.790 our actual results to differ materially from these forward-looking statements. 00:00:58.790 -- 00:01:03.839 Please refer to the information on this slide and in our SEC filings for important 00:01:03.839 -- 00:01:05.282 disclaimers. 00:01:05.282 -- 00:01:09.749 We will reference both GAAP and non-GAAP financial measures on today's call. 00:01:09.749 -- 00:01:13.817 Please refer to today's press release and these slides, both available on our website 00:01:13.817 -- 00:01:18.605 for reconciliation...