vs
PROCORE TECHNOLOGIES, INC.（PCOR）与TRUPANION, INC.（TRUP）财务数据对比。点击上方公司名可切换其他公司
TRUPANION, INC.的季度营收约是PROCORE TECHNOLOGIES, INC.的1.1倍（$376.9M vs $349.1M），PROCORE TECHNOLOGIES, INC.同比增速更快（15.6% vs 11.7%），PROCORE TECHNOLOGIES, INC.自由现金流更多（$109.2M vs $25.3M），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（13.8% vs 11.0%）
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。
Trupanion是总部位于美国华盛顿州西雅图的宠物保险服务商，创立于1999年，业务覆盖美国、加拿大、澳大利亚与波多黎各地区。该公司为宠物提供保险保障服务，所有保单由旗下美国宠物保险公司（APIC）独家承保。
PCOR vs TRUP — 直观对比
营收规模更大
TRUP
是对方的1.1倍
$349.1M
营收增速更快
PCOR
高出3.9%
11.7%
自由现金流更多
PCOR
多$83.9M
$25.3M
两年增速更快
PCOR
近两年复合增速
11.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $349.1M | $376.9M |
| 净利润 | $-37.6M | — |
| 毛利率 | 80.1% | 17.3% |
| 营业利润率 | -12.3% | 1.9% |
| 净利率 | -10.8% | — |
| 营收同比 | 15.6% | 11.7% |
| 净利润同比 | 39.6% | — |
| 每股收益（稀释后） | $-0.25 | $0.13 |
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PCORTRUP
| Q4 25 | $349.1M | $376.9M | ||
| Q3 25 | $338.9M | $366.9M | ||
| Q2 25 | $323.9M | $353.6M | ||
| Q1 25 | $310.6M | $342.0M | ||
| Q4 24 | $302.0M | $337.3M | ||
| Q3 24 | $295.9M | $327.5M | ||
| Q2 24 | $284.3M | $314.8M | ||
| Q1 24 | $269.4M | $306.1M |
净利润PCORTRUP
| Q4 25 | $-37.6M | — | ||
| Q3 25 | $-9.1M | — | ||
| Q2 25 | $-21.1M | — | ||
| Q1 25 | $-33.0M | — | ||
| Q4 24 | $-62.3M | — | ||
| Q3 24 | $-26.4M | — | ||
| Q2 24 | $-6.3M | — | ||
| Q1 24 | $-11.0M | — |
毛利率PCORTRUP
| Q4 25 | 80.1% | 17.3% | ||
| Q3 25 | 79.7% | 16.4% | ||
| Q2 25 | 79.1% | 15.5% | ||
| Q1 25 | 79.1% | 14.9% | ||
| Q4 24 | 81.2% | 15.7% | ||
| Q3 24 | 81.4% | 15.1% | ||
| Q2 24 | 83.1% | 12.8% | ||
| Q1 24 | 83.0% | 11.8% |
营业利润率PCORTRUP
| Q4 25 | -12.3% | 1.9% | ||
| Q3 25 | -4.4% | 1.6% | ||
| Q2 25 | -9.3% | 0.7% | ||
| Q1 25 | -11.7% | -0.4% | ||
| Q4 24 | -21.9% | 0.1% | ||
| Q3 24 | -12.3% | 0.5% | ||
| Q2 24 | -5.2% | -1.7% | ||
| Q1 24 | -7.0% | -2.0% |
净利率PCORTRUP
| Q4 25 | -10.8% | — | ||
| Q3 25 | -2.7% | — | ||
| Q2 25 | -6.5% | — | ||
| Q1 25 | -10.6% | — | ||
| Q4 24 | -20.6% | — | ||
| Q3 24 | -8.9% | — | ||
| Q2 24 | -2.2% | — | ||
| Q1 24 | -4.1% | — |
每股收益（稀释后）PCORTRUP
| Q4 25 | $-0.25 | $0.13 | ||
| Q3 25 | $-0.06 | $0.13 | ||
| Q2 25 | $-0.14 | $0.22 | ||
| Q1 25 | $-0.22 | $-0.03 | ||
| Q4 24 | $-0.42 | $0.04 | ||
| Q3 24 | $-0.18 | $0.03 | ||
| Q2 24 | $-0.04 | $-0.14 | ||
| Q1 24 | $-0.08 | $-0.16 |
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 | $370.7M |
| 总债务越低越好 | — | $101.8M |
| 股东权益账面价值 | $1.3B | $383.9M |
| 总资产 | $2.2B | $915.0M |
| 负债/权益比越低杠杆越低 | — | 0.27× |
8季度趋势，按日历期对齐
现金及短期投资PCORTRUP
| Q4 25 | $768.5M | $370.7M | ||
| Q3 25 | $684.0M | $348.5M | ||
| Q2 25 | $620.9M | $319.6M | ||
| Q1 25 | $566.7M | $321.8M | ||
| Q4 24 | $775.4M | $307.4M | ||
| Q3 24 | $756.9M | $293.1M | ||
| Q2 24 | $735.4M | $277.2M | ||
| Q1 24 | $744.6M | $275.2M |
总债务PCORTRUP
| Q4 25 | — | $101.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $127.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益PCORTRUP
| Q4 25 | $1.3B | $383.9M | ||
| Q3 25 | $1.2B | $368.6M | ||
| Q2 25 | $1.2B | $355.5M | ||
| Q1 25 | $1.2B | $333.7M | ||
| Q4 24 | $1.3B | $323.3M | ||
| Q3 24 | $1.3B | $320.2M | ||
| Q2 24 | $1.3B | $305.8M | ||
| Q1 24 | $1.2B | $303.4M |
总资产PCORTRUP
| Q4 25 | $2.2B | $915.0M | ||
| Q3 25 | $2.1B | $880.2M | ||
| Q2 25 | $2.0B | $847.8M | ||
| Q1 25 | $1.9B | $837.2M | ||
| Q4 24 | $2.1B | $806.9M | ||
| Q3 24 | $2.0B | $816.1M | ||
| Q2 24 | $2.0B | $795.9M | ||
| Q1 24 | $1.9B | $789.5M |
负债/权益比PCORTRUP
| Q4 25 | — | 0.27× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.39× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $29.3M |
| 自由现金流经营现金流 - 资本支出 | $109.2M | $25.3M |
| 自由现金流率自由现金流/营收 | 31.3% | 6.7% |
| 资本支出强度资本支出/营收 | 1.6% | 1.0% |
| 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 | $75.4M |
8季度趋势，按日历期对齐
经营现金流PCORTRUP
| Q4 25 | $114.9M | $29.3M | ||
| Q3 25 | $88.5M | $29.2M | ||
| Q2 25 | $30.8M | $15.0M | ||
| Q1 25 | $66.0M | $16.0M | ||
| Q4 24 | $29.1M | $23.7M | ||
| Q3 24 | $39.3M | $15.3M | ||
| Q2 24 | $58.7M | $6.9M | ||
| Q1 24 | $69.1M | $2.4M |
自由现金流PCORTRUP
| Q4 25 | $109.2M | $25.3M | ||
| Q3 25 | $83.1M | $23.9M | ||
| Q2 25 | $27.9M | $12.0M | ||
| Q1 25 | $62.0M | $14.0M | ||
| Q4 24 | $17.4M | $21.8M | ||
| Q3 24 | $35.7M | $13.4M | ||
| Q2 24 | $56.8M | $4.0M | ||
| Q1 24 | $67.1M | $-631.0K |
自由现金流率PCORTRUP
| Q4 25 | 31.3% | 6.7% | ||
| Q3 25 | 24.5% | 6.5% | ||
| Q2 25 | 8.6% | 3.4% | ||
| Q1 25 | 20.0% | 4.1% | ||
| Q4 24 | 5.8% | 6.5% | ||
| Q3 24 | 12.1% | 4.1% | ||
| Q2 24 | 20.0% | 1.3% | ||
| Q1 24 | 24.9% | -0.2% |
资本支出强度PCORTRUP
| Q4 25 | 1.6% | 1.0% | ||
| Q3 25 | 1.6% | 1.4% | ||
| Q2 25 | 0.9% | 0.8% | ||
| Q1 25 | 1.3% | 0.6% | ||
| Q4 24 | 3.9% | 0.6% | ||
| Q3 24 | 1.2% | 0.6% | ||
| Q2 24 | 0.7% | 0.9% | ||
| Q1 24 | 0.8% | 1.0% |
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% |
TRUP
| Subscriptionbusiness | $261.4M | 69% |
| Other | $115.4M | 31% |
