Quality Investor

Full Truck Alliance Co. Ltd.

Rank #389Capital Return

YMM · NYSE · Technology

Full Truck Alliance Co. Ltd. (YMM) — Rank #389 by gross profitability (GP/assets 0.18) · ROE 11.0% · Piotroski F-Score 6 / 9.

As-of 2026-09-15 · CIK 0001838413 · all metrics point-in-time as of the filing date.

About

Full Truck Alliance Co.

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Ltd., together with its subsidiaries, operates a digital freight platform that connects shippers with truckers to facilitate shipments across distance ranges, cargo weights, and types in the People's Republic of China and Hong Kong. The company offers freight matching services, such as freight listing and brokerage services; and transaction services, as well as various value-added services, such as credit solutions, insurance brokerage, software solutions, electronic toll collection, Intelligent Driving Related Services, and energy services. It also provides technology development and other services. Full Truck Alliance Co. Ltd.

was founded in 2011 and is based in Guiyang, China.

Industry
Software - Application
Sector
Technology
State
E9
Filer Category
Large accelerated filer
Fiscal Year End
December 31

Price History

YMM-53.2% · -14.1% CAGRSPY+80.5% · +12.5% CAGR

Company Snapshot

P/E and reverse DCF are the primary valuation lenses at this stage.

Market Cap

$8.48B

P/E (annual)

38.6

P/S (annual)

0.7

P/B

0.2

P/OCF (annual)

1.8

Shareholder Yield

16.7%

Employees

8,251

Industry

Software - Application

Exchange

NYSE

Signal Flags

2 green
Operating leverage expandingOperating income growing faster than revenue
Deferred revenue growingRevenue and deferred revenue both growing — retention signal

Quality Profile

Profitability

1/1 pass
GP / assets
0.18
Return on equity
11.0%
Gross margin trend
PASS

Safety

1/1 pass
Balance-sheet safety
PASS
Debt / equity
0.08
Current ratio
8.09×
Net cash
$26.99B

Cash Flow

3/3 pass
Positive FCF
PASS
Cash-backed earnings
PASS
Accruals healthy
PASS
SBC / revenue
2.3%

Growth

2/2 pass
Revenue growth
11.1%
Piotroski F-Score
6 / 9
Share dilution
0.1%

Terry Smith quality gate

Passes 3/5 Terry Smith thresholds

1 of 5 threshold not computable from filed data.

What Growth Is Priced In

Implied revenue growth (10Y)

16.3%

fairly valued

The annual FCF growth rate today's price requires over a 10-year horizon (discount rate 10%, terminal growth 2.5%).

Dilution drag: 0.1% — per-share value needs a total required return of 16.5% once share-count change is priced in.

vs. own 6-year median revenue growth: 38.9%

within its own history

Cost-of-equity sensitivity (implied growth at different discount rates)

r = 8%

11.5%

r = 10% (base)

16.3%

r = 12%

20.5%

Net debt / market cap: -15.9%

Base FCF: $4.5B3Y mean FCF: $3.2B

Valuation History

Current multiple vs historical range at each filing date. Band spans 25th-75th percentile.

P / E

Price / diluted EPS

40.0xCheap
40.0xmed 71.6x364.0x

P / S

Price / revenue per share

14.1xFair
6.7xmed 14.6x23.3x

P / B

Price / book value per share

4.3xCheap
2.2xmed 4.6x5.5x

P / GP

Price / gross profit per share

22.3xFair
13.7xmed 32.1x48.8x

P / FCF

Price / free cash flow per share

39.0xFair
33.2xmed 55.1x75.6x

FCF yield, shareholder yield, and buyback activity are the primary reads at this stage.

Profitability

Gross profitability (GP / assets)

0.18

Primary signal (Novy-Marx).

5th pctl of 38 SIC 7372 peers

Return on equity

11.0%

Gross margin

63.0%

32nd pctl of 38 SIC 7372 peers

Revenue growth (YoY)

11.1%

Gross margin improving

Margin trend vs prior year.

PASS

Operating Leverage

2022202320242025
Revenue vs COGS
Revenue vs OpEx
Op. Income vs Revenue

Growth

Revenue CAGR (3Y)

22.9%

Revenue CAGR (5Y)

37.1%

Earnings CAGR (3Y)

121.2%

FCF CAGR (3Y)

Anti-fragile safety

Balance-sheet safety

Composite anti-fragile check.

PASS

Debt / equity

0.08

100th pctl of 33 SIC 7372 peers (best = lowest)

Current ratio

8.09×

97th pctl of 38 SIC 7372 peers

Quick ratio

6.03×

Net cash

$26.99B

Cash & equivalents minus total debt.

Cash-flow health

Free cash flow

$4.50B

Operating cash flow minus capex.

Positive free cash flow

PASS

FCF / net income

0.01

Cash-backing of earnings.

FCF/NI divergence

Unfavorable divergence (yellow flag).

PASS

Accruals healthy

Cash-backed earnings.

PASS

SBC / revenue

2.3%

Stock-based comp intensity.

Dividend safety

Composite score

3.0 / 5

Good
Payout ratio
32.0%4/5 Strong
FCF coverage
3.16×5/5 Strong
Dividend growth streak
1 yr1/5 Weak
Balance-sheet health
D/E 0.08 · IC N/A2/5 Fair

Piotroski F-Score

F-Score

6 / 9

Fundamental-strength score (0-9).

Lifecycle Phase History

20202025
Hypergrowth
Capital Return