PCORMEDIUM SIGNALOPERATIONAL10-K

PCOR launched a new bundled product strategy in February 2026 while experiencing strong operational momentum with 53% operating cash flow growth, though credit losses spiked dramatically.

The introduction of four bundled packages (Project Execution, Cost Management, Resource Management, and Project Lifecycle Management) represents a significant go-to-market strategy shift that could improve customer retention and pricing power. The emphasis on agentic AI capabilities and enhanced platform stickiness suggests PCOR is positioning itself as a more comprehensive construction industry solution, which could drive higher customer lifetime value.

Comparing 2026-02-24 vs 2025-02-26View on EDGAR →
FINANCIAL ANALYSIS

PCOR demonstrated strong overall growth with revenue increasing 14.8% to $1.3B and operating cash flow surging 53% to $300M, indicating improved cash conversion and operational efficiency. However, the 1,903% spike in credit losses from $129K to $2.6M is concerning and suggests potential collection issues with the growing receivables base ($246M to $288M). The 20% increase in total liabilities to $977M, combined with higher R&D spending ($313M to $362M), reflects increased investment in the business but warrants monitoring of leverage and cash burn sustainability.

FINANCIAL STATEMENT CHANGES
Provision for Credit Losses
P&L
+1903.1%
$129K$2.6M

Credit loss provisions surged 1903.1% — management flagging significant deterioration in loan quality ahead.

Operating Cash Flow
Cash Flow
+53.1%
$196.2M$300.3M

Operating cash flow surged 53.1% — exceptional cash generation, highest quality earnings signal.

Current Liabilities
Balance Sheet
+21.5%
$728.0M$884.6M

Current liabilities rose 21.5% — increased short-term obligations, watch current ratio.

Total Liabilities
Balance Sheet
+20.1%
$813.0M$976.8M

Liabilities increased 20.1% — monitor debt-to-equity ratio and interest coverage.

Accounts Receivable
Balance Sheet
+16.8%
$246.5M$287.8M

Receivables grew 16.8% — monitor days sales outstanding for collection efficiency.

R&D Expense
P&L
+15.8%
$313.0M$362.4M

R&D investment increased 15.8% — signals commitment to future product development, though near-term margin impact.

Revenue
P&L
+14.8%
$1.2B$1.3B

Revenue growing 14.8% — solid top-line momentum, watch margins for quality of growth.

Gross Profit
P&L
+11.2%
$946.1M$1.1B

Gross profit expanding — improving pricing power or product mix shift toward higher-margin offerings.

LANGUAGE CHANGES
NEW — 2026-02-24
PRIOR — 2025-02-26
ADDED
We may not actually achieve the plans, intentions, or expectations disclosed in our forward-looking statements, and you should not rely on our forward-looking statements.
We also continue to develop other products and services to address related challenges faced by the construction industry s key stakeholders.
Our products, services, and platform help our customers increase productivity and efficiency, reduce rework and costly delays, improve safety and compliance, and enhance financial transparency and accountability.
In February 2026, we began offering customers access to our products in four bundled packages Project Execution, Cost Management, Resource Management, and Project Lifecycle Management each of which consists of tiers that offer different levels of access to our products.
We also offer agentic AI capabilities to automate workflows across the entire construction lifecycle.
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REMOVED
We may not actually achieve the plans, intentions, or expectations disclosed in our forward-looking statements, and you should not place undue reliance on our forward-looking statements.
We are also continuing to develop other programs and services to address related challenges faced by the construction industry s key stakeholders.
Adoption of our products, services, and platform helps our customers increase productivity and efficiency, reduce rework and costly delays, improve safety and compliance, and enhance financial transparency and accountability.
Each of our products can be accessed from the office or the jobsite on computers, smartphones, and tablets, enabling users to work wherever the job requires.
We offer over 500 integrations, including accounting, document management, and scheduling software, which provide our users with choice and flexibility, and demonstrably increase the stickiness of our platform as we aim to become the construction industry s system of record.
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