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Side-by-side financial comparison of Gen Digital (GEN) and nCino, Inc. (NCNO). Click either name above to swap in a different company.
Gen Digital is the larger business by last-quarter revenue ($1.2B vs $152.2M, roughly 8.1× nCino, Inc.). Gen Digital runs the higher net margin — 15.5% vs 4.3%, a 11.2% gap on every dollar of revenue. On growth, Gen Digital posted the faster year-over-year revenue change (28.5% vs 9.6%). Over the past eight quarters, Gen Digital's revenue compounded faster (13.4% CAGR vs 10.9%).
Gen Digital Inc. is a multinational software company co-headquartered in both Tempe, Arizona (USA) and Prague, Czech Republic (EU). The company provides cybersecurity software, financial technology, and services. Gen is a Fortune 500 company and a member of the S&P 500 stock-market index. It is listed at both NASDAQ and Prague Stock Exchange. Its portfolio includes Norton, Avast, LifeLock, Avira, AVG, ReputationDefender, MoneyLion and CCleaner.
nCino, Inc. is a global financial technology company headquartered in Wilmington, North Carolina. The company offers its cloud-based banking software and core banking platform. The nCino Platform is used by banks and credit unions, and enterprise financial institutions.
GEN vs NCNO — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.2B | $152.2M |
| Net Profit | $192.0M | $6.5M |
| Gross Margin | 78.4% | 61.6% |
| Operating Margin | 34.9% | 7.7% |
| Net Margin | 15.5% | 4.3% |
| Revenue YoY | 28.5% | 9.6% |
| Net Profit YoY | 6.1% | 224.5% |
| EPS (diluted) | $0.31 | $0.06 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $152.2M | ||
| Q3 25 | $1.3B | $148.8M | ||
| Q2 25 | — | $144.1M | ||
| Q1 25 | $1.0B | $141.4M | ||
| Q4 24 | $986.0M | $138.8M | ||
| Q3 24 | $974.0M | $132.4M | ||
| Q2 24 | $965.0M | $128.1M |
| Q1 26 | $192.0M | — | ||
| Q4 25 | $134.0M | $6.5M | ||
| Q3 25 | $135.0M | $-15.3M | ||
| Q2 25 | — | $5.6M | ||
| Q1 25 | $142.0M | $-18.6M | ||
| Q4 24 | $159.0M | $-5.3M | ||
| Q3 24 | $161.0M | $-11.0M | ||
| Q2 24 | $181.0M | $-3.0M |
| Q1 26 | 78.4% | — | ||
| Q4 25 | 78.2% | 61.6% | ||
| Q3 25 | 78.8% | 59.2% | ||
| Q2 25 | — | 60.0% | ||
| Q1 25 | 80.3% | 59.7% | ||
| Q4 24 | 80.4% | 61.3% | ||
| Q3 24 | 80.1% | 59.3% | ||
| Q2 24 | 80.3% | 60.0% |
| Q1 26 | 34.9% | — | ||
| Q4 25 | 35.9% | 7.7% | ||
| Q3 25 | 35.5% | -6.2% | ||
| Q2 25 | — | -1.0% | ||
| Q1 25 | 41.3% | -4.1% | ||
| Q4 24 | 37.9% | -0.6% | ||
| Q3 24 | 41.3% | -6.0% | ||
| Q2 24 | 43.2% | -2.9% |
| Q1 26 | 15.5% | — | ||
| Q4 25 | 11.0% | 4.3% | ||
| Q3 25 | 10.7% | -10.3% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | 14.1% | -13.2% | ||
| Q4 24 | 16.1% | -3.8% | ||
| Q3 24 | 16.5% | -8.3% | ||
| Q2 24 | 18.8% | -2.3% |
| Q1 26 | $0.31 | — | ||
| Q4 25 | $0.21 | $0.06 | ||
| Q3 25 | $0.22 | $-0.13 | ||
| Q2 25 | — | $0.05 | ||
| Q1 25 | $0.22 | $-0.15 | ||
| Q4 24 | $0.26 | $-0.05 | ||
| Q3 24 | $0.26 | $-0.10 | ||
| Q2 24 | $0.29 | $-0.03 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $87.6M |
| Total DebtLower is stronger | $8.4B | — |
| Stockholders' EquityBook value | $2.3B | $1.0B |
| Total Assets | $15.8B | $1.6B |
| Debt / EquityLower = less leverage | 3.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $87.6M | ||
| Q3 25 | — | $122.9M | ||
| Q2 25 | — | $133.2M | ||
| Q1 25 | $1.0B | $120.9M | ||
| Q4 24 | $883.0M | $257.9M | ||
| Q3 24 | $737.0M | $121.4M | ||
| Q2 24 | $644.0M | $129.5M |
| Q1 26 | $8.4B | — | ||
| Q4 25 | $8.7B | — | ||
| Q3 25 | $8.9B | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $8.3B | — | ||
| Q4 24 | $8.5B | — | ||
| Q3 24 | $8.5B | — | ||
| Q2 24 | $8.5B | — |
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.5B | $1.0B | ||
| Q3 25 | $2.4B | $1.1B | ||
| Q2 25 | — | $1.1B | ||
| Q1 25 | $2.3B | $1.1B | ||
| Q4 24 | $2.2B | $1.1B | ||
| Q3 24 | $2.1B | $1.1B | ||
| Q2 24 | $2.0B | $1.1B |
| Q1 26 | $15.8B | — | ||
| Q4 25 | $16.1B | $1.6B | ||
| Q3 25 | $16.4B | $1.6B | ||
| Q2 25 | — | $1.7B | ||
| Q1 25 | $15.5B | $1.6B | ||
| Q4 24 | $15.4B | $1.5B | ||
| Q3 24 | $15.5B | $1.4B | ||
| Q2 24 | $15.4B | $1.4B |
| Q1 26 | 3.61× | — | ||
| Q4 25 | 3.54× | — | ||
| Q3 25 | 3.75× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 3.64× | — | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 4.06× | — | ||
| Q2 24 | 4.33× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $5.1M |
| Free Cash FlowOCF − Capex | — | $4.9M |
| FCF MarginFCF / Revenue | — | 3.2% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | 0.78× |
| TTM Free Cash FlowTrailing 4 quarters | — | $59.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $541.0M | $5.1M | ||
| Q3 25 | $409.0M | $17.7M | ||
| Q2 25 | — | $54.3M | ||
| Q1 25 | $473.0M | $-10.0M | ||
| Q4 24 | $326.0M | $5.8M | ||
| Q3 24 | $158.0M | $5.0M | ||
| Q2 24 | $264.0M | $54.4M |
| Q1 26 | — | — | ||
| Q4 25 | $535.0M | $4.9M | ||
| Q3 25 | $405.0M | $12.6M | ||
| Q2 25 | — | $52.6M | ||
| Q1 25 | $470.0M | $-10.4M | ||
| Q4 24 | $318.0M | $5.1M | ||
| Q3 24 | $156.0M | $4.6M | ||
| Q2 24 | $262.0M | $54.1M |
| Q1 26 | — | — | ||
| Q4 25 | 43.9% | 3.2% | ||
| Q3 25 | 32.2% | 8.5% | ||
| Q2 25 | — | 36.5% | ||
| Q1 25 | 46.5% | -7.3% | ||
| Q4 24 | 32.3% | 3.7% | ||
| Q3 24 | 16.0% | 3.4% | ||
| Q2 24 | 27.2% | 42.2% |
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 0.1% | ||
| Q3 25 | 0.3% | 3.5% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | 0.3% | 0.2% | ||
| Q4 24 | 0.8% | 0.5% | ||
| Q3 24 | 0.2% | 0.3% | ||
| Q2 24 | 0.2% | 0.3% |
| Q1 26 | — | — | ||
| Q4 25 | 4.04× | 0.78× | ||
| Q3 25 | 3.03× | — | ||
| Q2 25 | — | 9.77× | ||
| Q1 25 | 3.33× | — | ||
| Q4 24 | 2.05× | — | ||
| Q3 24 | 0.98× | — | ||
| Q2 24 | 1.46× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
GEN
| Cyber Safety Platform | $819.0M | 66% |
| Trust Based Solutions | $421.0M | 34% |
| Net Interest Income On Notes Receivable | $4.0M | 0% |
NCNO
| License And Service | $133.4M | 88% |
| Professional Services | $18.8M | 12% |
