Comprehensive Stock Comparison
Compare Procore Technologies, Inc. (PCOR) vs Full Truck Alliance Co. Ltd. (YMM) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | YMM | 33.2% revenue growth vs PCOR's 14.8% |
| Value | YMM | Lower P/E (2.0x vs 30.5x) |
| Quality / Margins | YMM | 34.4% net margin vs PCOR's -7.6% |
| Stability / Safety | YMM | Beta 0.96 vs PCOR's 1.53, lower leverage |
| Dividends | YMM | 1.6% yield; 1-year raise streak; PCOR pays no meaningful dividend |
| Momentum (1Y) | YMM | -18.6% vs PCOR's -28.0% |
| Efficiency (ROA) | YMM | 9.8% ROA vs PCOR's -4.5%, ROIC 6.0% vs -9.7% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Procore Technologies provides a cloud-based construction management platform that connects all stakeholders — owners, contractors, architects, and engineers — on construction projects. It generates revenue primarily through subscription fees for its software platform, which includes modules for preconstruction, project management, resource management, and financial management. The company's competitive advantage lies in its comprehensive, integrated platform that creates network effects — as more stakeholders use it on projects, the value increases for all participants.
Full Truck Alliance operates China's largest digital freight platform connecting shippers with truckers for efficient logistics matching. It generates revenue primarily from freight brokerage commissions and value-added services — including credit solutions, insurance brokerage, and energy services — with its core matching platform driving the majority of earnings. The company's network effects create a powerful moat, as its massive scale of shippers and truckers makes it increasingly difficult for competitors to match its liquidity and efficiency.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
YMM leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). PCOR leads in 1 (Valuation Metrics). 1 tied.
Financial Metrics (TTM)
YMM is the larger business by revenue, generating $12.1B annually — 9.2x PCOR's $1.3B. YMM is the more profitable business, keeping 34.4% of every revenue dollar as net income compared to PCOR's -7.6%.
| Metric | PCORProcore Technolog… | YMMFull Truck Allian… |
|---|---|---|
| RevenueTrailing 12 months | $1.3B | $12.1B |
| EBITDAEarnings before interest/tax | -$11M | $4.0B |
| Net IncomeAfter-tax profit | -$101M | $4.2B |
| Free Cash FlowCash after capex | $263M | $0 |
| Gross MarginGross profit ÷ Revenue | +79.3% | +71.3% |
| Operating MarginEBIT ÷ Revenue | -9.2% | +32.4% |
| Net MarginNet income ÷ Revenue | -7.6% | +34.4% |
| FCF MarginFCF ÷ Revenue | +19.9% | +25.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +15.6% | +17.2% |
| EPS Growth (YoY)Latest quarter vs prior year | +40.5% | +29.4% |
Valuation Metrics
| Metric | PCORProcore Technolog… | YMMFull Truck Allian… |
|---|---|---|
| Market CapShares × price | $8.6B | $20.0B |
| Enterprise ValueMkt cap + debt − cash | $8.2B | $19.2B |
| Trailing P/EPrice ÷ TTM EPS | -82.15x | 21.89x |
| Forward P/EPrice ÷ next-FY EPS est. | 30.51x | 1.97x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 51.48x |
| Price / SalesMarket cap ÷ Revenue | 6.47x | 12.21x |
| Price / BookPrice ÷ Book value/share | 6.55x | 1.76x |
| Price / FCFMarket cap ÷ FCF | 39.78x | 47.38x |
Profitability & Efficiency
YMM delivers a 10.5% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $-8 for PCOR. YMM carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to PCOR's 0.09x. On the Piotroski fundamental quality scale (0–9), YMM scores 8/9 vs PCOR's 4/9, reflecting strong financial health.
| Metric | PCORProcore Technolog… | YMMFull Truck Allian… |
|---|---|---|
| ROE (TTM)Return on equity | -8.0% | +10.5% |
| ROA (TTM)Return on assets | -4.5% | +9.8% |
| ROICReturn on invested capital | -9.7% | +6.0% |
| ROCEReturn on capital employed | -8.6% | +6.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 8 |
| Debt / EquityFinancial leverage | 0.09x | 0.00x |
| Net DebtTotal debt minus cash | -$362M | -$5.7B |
| Cash & Equiv.Liquid assets | $481M | $5.8B |
| Total DebtShort + long-term debt | $118M | $65M |
| Interest CoverageEBIT ÷ Interest expense | -41.47x | — |
Total Returns (with DRIP)
A $10,000 investment in PCOR five years ago would be worth $6,255 today (with dividends reinvested), compared to $4,513 for YMM. Over the past 12 months, YMM leads with a -18.6% total return vs PCOR's -28.0%. The 3-year compound annual growth rate (CAGR) favors YMM at 11.5% vs PCOR's -6.3% — a key indicator of consistent wealth creation.
| Metric | PCORProcore Technolog… | YMMFull Truck Allian… |
|---|---|---|
| YTD ReturnYear-to-date | -21.4% | -16.6% |
| 1-Year ReturnPast 12 months | -28.0% | -18.6% |
| 3-Year ReturnCumulative with dividends | -17.8% | +38.6% |
| 5-Year ReturnCumulative with dividends | -37.5% | -54.9% |
| 10-Year ReturnCumulative with dividends | -37.5% | -54.9% |
| CAGR (3Y)Annualised 3-year return | -6.3% | +11.5% |
Risk & Volatility
YMM is the less volatile stock with a 0.96 beta — it tends to amplify market swings less than PCOR's 1.53 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | PCORProcore Technolog… | YMMFull Truck Allian… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.53x | 0.96x |
| 52-Week HighHighest price in past year | $82.32 | $14.07 |
| 52-Week LowLowest price in past year | $46.08 | $9.36 |
| % of 52W HighCurrent price vs 52-week peak | +66.9% | +66.7% |
| RSI (14)Momentum oscillator 0–100 | 49.7 | 39.9 |
| Avg Volume (50D)Average daily shares traded | 1.9M | 7.5M |
Analyst Outlook
Wall Street rates PCOR as "Buy" and YMM as "Buy". Consensus price targets imply 25.9% upside for PCOR (target: $69) vs 24.4% for YMM (target: $12). YMM is the only dividend payer here at 1.58% yield — a key consideration for income-focused portfolios.
| Metric | PCORProcore Technolog… | YMMFull Truck Allian… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $69.30 | $11.67 |
| # AnalystsCovering analysts | 23 | 3 |
| Dividend YieldAnnual dividend ÷ price | — | +1.6% |
| Dividend StreakConsecutive years of raises | — | 1 |
| Dividend / ShareAnnual DPS | — | $1.02 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.5% | +0.4% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Jul 21 | Feb 26 | Change |
|---|---|---|---|
| Procore Technologie… (PCOR) | 100 | 60.81 | -39.2% |
| Full Truck Alliance… (YMM) | 86.51 | 47.16 | -45.5% |
Procore Technologie… (PCOR) returned -37% over 5 years vs Full Truck Alliance… (YMM)'s -55%.
Chart 2Revenue Growth — 10 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Procore Technologie… (PCOR) | $112M | $1.3B | +1078.2% |
| Full Truck Alliance… (YMM) | $2.5B | $11.2B | +354.4% |
Procore Technologies, Inc.'s revenue grew from $112M (2017) to $1.3B (2025) — a 36.1% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Procore Technologie… (PCOR) | -49.5% | -7.6% | +84.6% |
| Full Truck Alliance… (YMM) | -61.6% | 27.3% | +144.3% |
Procore Technologies, Inc.'s net margin went from -49% (2017) to -8% (2025).
Chart 4P/E Ratio History — 3 Years
| Stock | 2022 | 2024 | Change |
|---|---|---|---|
| Full Truck Alliance… (YMM) | 20 | 3.7 | -81.5% |
Full Truck Alliance Co. Ltd. has traded in a 4x–20x P/E range over 3 years; current trailing P/E is ~22x.
Chart 5EPS Growth — 10 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Procore Technologie… (PCOR) | -0.47 | -0.67 | -42.6% |
| Full Truck Alliance… (YMM) | -1.42 | 2.94 | +307.0% |
Procore Technologies, Inc.'s EPS grew from $-0.47 (2017) to $-0.67 (2025).
Chart 6Free Cash Flow — 5 Years
Procore Technologies, Inc. generated $215M FCF in 2025 (+2264% vs 2021). Full Truck Alliance Co. Ltd. generated $3B FCF in 2024 (+1237% vs 2021).
PCOR vs YMM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is PCOR or YMM a better buy right now?
Full Truck Alliance Co. Ltd. (YMM) offers the better valuation at 21.9x trailing P/E (2.0x forward), making it the more compelling value choice. Analysts rate Procore Technologies, Inc. (PCOR) a "Buy" — based on 23 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PCOR or YMM?
On forward P/E, Full Truck Alliance Co. Ltd. is actually cheaper at 2.0x.
03Which is the better long-term investment — PCOR or YMM?
Over the past 5 years, Procore Technologies, Inc. (PCOR) delivered a total return of -37.5%, compared to -54.9% for Full Truck Alliance Co. Ltd. (YMM). A $10,000 investment in PCOR five years ago would be worth approximately $6K today (assuming dividends reinvested). Over 10 years, the gap is even starker: PCOR returned -37.5% versus YMM's -54.9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PCOR or YMM?
By beta (market sensitivity over 5 years), Full Truck Alliance Co. Ltd. (YMM) is the lower-risk stock at 0.96β versus Procore Technologies, Inc.'s 1.53β — meaning PCOR is approximately 59% more volatile than YMM relative to the S&P 500. On balance sheet safety, Full Truck Alliance Co. Ltd. (YMM) carries a lower debt/equity ratio of 0% versus 9% for Procore Technologies, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — PCOR or YMM?
Full Truck Alliance Co. Ltd. (YMM) is the more profitable company, earning 27.3% net margin versus -7.6% for Procore Technologies, Inc. — meaning it keeps 27.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: YMM leads at 22.0% versus -8.9% for PCOR. At the gross margin level — before operating expenses — YMM leads at 86.6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is PCOR or YMM more undervalued right now?
On forward earnings alone, Full Truck Alliance Co. Ltd. (YMM) trades at 2.0x forward P/E versus 30.5x for Procore Technologies, Inc. — 28.5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PCOR: 25.9% to $69.30.
07Which pays a better dividend — PCOR or YMM?
In this comparison, YMM (1.6% yield) pays a dividend. PCOR does not pay a meaningful dividend and should not be held primarily for income.
08Is PCOR or YMM better for a retirement portfolio?
For long-horizon retirement investors, Full Truck Alliance Co. Ltd. (YMM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.96), 1.6% yield). Procore Technologies, Inc. (PCOR) carries a higher beta of 1.53 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (YMM: -54.9%, PCOR: -37.5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between PCOR and YMM?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. YMM pays a dividend while PCOR does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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