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PROCORE TECHNOLOGIES, INC.（PCOR）与Palomar Holdings, Inc.（PLMR）财务数据对比。点击上方公司名可切换其他公司
PROCORE TECHNOLOGIES, INC.的季度营收约是Palomar Holdings, Inc.的1.4倍（$349.1M vs $253.4M），Palomar Holdings, Inc.同比增速更快（62.7% vs 15.6%），Palomar Holdings, Inc.自由现金流更多（$409.0M vs $109.2M），过去两年Palomar Holdings, Inc.的营收复合增速更高（46.2% vs 13.8%）
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
Palomar Holdings, Inc.是一家专业保险控股企业，主要为存在巨灾风险敞口的住宅及商业资产提供财产保险产品，业务范围覆盖美国全境，核心业务板块包含地震、洪水、风暴等高危财产保障服务。
PCOR vs PLMR — 直观对比
营收规模更大
PCOR
是对方的1.4倍
$253.4M
营收增速更快
PLMR
高出47.1%
15.6%
自由现金流更多
PLMR
多$299.7M
$109.2M
两年增速更快
PLMR
近两年复合增速
13.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $349.1M | $253.4M |
| 净利润 | $-37.6M | — |
| 毛利率 | 80.1% | — |
| 营业利润率 | -12.3% | 28.7% |
| 净利率 | -10.8% | — |
| 营收同比 | 15.6% | 62.7% |
| 净利润同比 | 39.6% | — |
| 每股收益（稀释后） | $-0.25 | $2.05 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收PCORPLMR
| Q4 25 | $349.1M | $253.4M | ||
| Q3 25 | $338.9M | $244.7M | ||
| Q2 25 | $323.9M | $203.3M | ||
| Q1 25 | $310.6M | $174.6M | ||
| Q4 24 | $302.0M | $155.8M | ||
| Q3 24 | $295.9M | $148.5M | ||
| Q2 24 | $284.3M | $131.1M | ||
| Q1 24 | $269.4M | $118.5M |
净利润PCORPLMR
| Q4 25 | $-37.6M | — | ||
| Q3 25 | $-9.1M | $51.5M | ||
| Q2 25 | $-21.1M | $46.5M | ||
| Q1 25 | $-33.0M | $42.9M | ||
| Q4 24 | $-62.3M | — | ||
| Q3 24 | $-26.4M | $30.5M | ||
| Q2 24 | $-6.3M | $25.7M | ||
| Q1 24 | $-11.0M | $26.4M |
毛利率PCORPLMR
| Q4 25 | 80.1% | — | ||
| Q3 25 | 79.7% | — | ||
| Q2 25 | 79.1% | — | ||
| Q1 25 | 79.1% | — | ||
| Q4 24 | 81.2% | — | ||
| Q3 24 | 81.4% | — | ||
| Q2 24 | 83.1% | — | ||
| Q1 24 | 83.0% | — |
营业利润率PCORPLMR
| Q4 25 | -12.3% | 28.7% | ||
| Q3 25 | -4.4% | 27.4% | ||
| Q2 25 | -9.3% | 29.5% | ||
| Q1 25 | -11.7% | 30.8% | ||
| Q4 24 | -21.9% | 28.9% | ||
| Q3 24 | -12.3% | 25.9% | ||
| Q2 24 | -5.2% | 25.5% | ||
| Q1 24 | -7.0% | 29.0% |
净利率PCORPLMR
| Q4 25 | -10.8% | — | ||
| Q3 25 | -2.7% | 21.0% | ||
| Q2 25 | -6.5% | 22.9% | ||
| Q1 25 | -10.6% | 24.6% | ||
| Q4 24 | -20.6% | — | ||
| Q3 24 | -8.9% | 20.5% | ||
| Q2 24 | -2.2% | 19.6% | ||
| Q1 24 | -4.1% | 22.3% |
每股收益（稀释后）PCORPLMR
| Q4 25 | $-0.25 | $2.05 | ||
| Q3 25 | $-0.06 | $1.87 | ||
| Q2 25 | $-0.14 | $1.68 | ||
| Q1 25 | $-0.22 | $1.57 | ||
| Q4 24 | $-0.42 | $1.29 | ||
| Q3 24 | $-0.18 | $1.15 | ||
| Q2 24 | $-0.04 | $1.00 | ||
| Q1 24 | $-0.08 | $1.04 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $768.5M | $106.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.3B | $942.7M |
| 总资产 | $2.2B | $3.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资PCORPLMR
| Q4 25 | $768.5M | $106.9M | ||
| Q3 25 | $684.0M | $111.7M | ||
| Q2 25 | $620.9M | $81.3M | ||
| Q1 25 | $566.7M | $119.3M | ||
| Q4 24 | $775.4M | $80.4M | ||
| Q3 24 | $756.9M | $86.5M | ||
| Q2 24 | $735.4M | $47.8M | ||
| Q1 24 | $744.6M | $61.4M |
股东权益PCORPLMR
| Q4 25 | $1.3B | $942.7M | ||
| Q3 25 | $1.2B | $878.1M | ||
| Q2 25 | $1.2B | $847.2M | ||
| Q1 25 | $1.2B | $790.4M | ||
| Q4 24 | $1.3B | $729.0M | ||
| Q3 24 | $1.3B | $703.3M | ||
| Q2 24 | $1.3B | $532.6M | ||
| Q1 24 | $1.2B | $501.7M |
总资产PCORPLMR
| Q4 25 | $2.2B | $3.1B | ||
| Q3 25 | $2.1B | $2.9B | ||
| Q2 25 | $2.0B | $2.8B | ||
| Q1 25 | $1.9B | $2.4B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $2.0B | $2.3B | ||
| Q2 24 | $2.0B | $2.0B | ||
| Q1 24 | $1.9B | $1.9B |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $114.9M | $409.1M |
| 自由现金流经营现金流 - 资本支出 | $109.2M | $409.0M |
| 自由现金流率自由现金流/营收 | 31.3% | 161.4% |
| 资本支出强度资本支出/营收 | 1.6% | 0.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $282.2M | $700.6M |
8季度趋势，按日历期对齐
经营现金流PCORPLMR
| Q4 25 | $114.9M | $409.1M | ||
| Q3 25 | $88.5M | $83.6M | ||
| Q2 25 | $30.8M | $120.9M | ||
| Q1 25 | $66.0M | $87.2M | ||
| Q4 24 | $29.1M | $261.2M | ||
| Q3 24 | $39.3M | $100.3M | ||
| Q2 24 | $58.7M | $55.1M | ||
| Q1 24 | $69.1M | $33.1M |
自由现金流PCORPLMR
| Q4 25 | $109.2M | $409.0M | ||
| Q3 25 | $83.1M | $83.6M | ||
| Q2 25 | $27.9M | $120.8M | ||
| Q1 25 | $62.0M | $87.1M | ||
| Q4 24 | $17.4M | $260.9M | ||
| Q3 24 | $35.7M | $100.1M | ||
| Q2 24 | $56.8M | — | ||
| Q1 24 | $67.1M | — |
自由现金流率PCORPLMR
| Q4 25 | 31.3% | 161.4% | ||
| Q3 25 | 24.5% | 34.2% | ||
| Q2 25 | 8.6% | 59.4% | ||
| Q1 25 | 20.0% | 49.9% | ||
| Q4 24 | 5.8% | 167.5% | ||
| Q3 24 | 12.1% | 67.4% | ||
| Q2 24 | 20.0% | — | ||
| Q1 24 | 24.9% | — |
资本支出强度PCORPLMR
| Q4 25 | 1.6% | 0.1% | ||
| Q3 25 | 1.6% | 0.0% | ||
| Q2 25 | 0.9% | 0.0% | ||
| Q1 25 | 1.3% | 0.0% | ||
| Q4 24 | 3.9% | 0.2% | ||
| Q3 24 | 1.2% | 0.1% | ||
| Q2 24 | 0.7% | 0.0% | ||
| Q1 24 | 0.8% | 0.0% |
现金转化率PCORPLMR
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | — | 2.60× | ||
| Q1 25 | — | 2.03× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.29× | ||
| Q2 24 | — | 2.14× | ||
| Q1 24 | — | 1.26× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
PLMR
暂无分部数据
