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ACI WORLDWIDE, INC.（ACIW）与nCino, Inc.（NCNO）财务数据对比。点击上方公司名可切换其他公司
ACI WORLDWIDE, INC.的季度营收约是nCino, Inc.的3.2倍（$481.6M vs $152.2M），ACI WORLDWIDE, INC.净利率更高（13.4% vs 4.3%，领先9.1%），nCino, Inc.同比增速更快（9.6% vs 6.3%），ACI WORLDWIDE, INC.自由现金流更多（$116.6M vs $4.9M），过去两年ACI WORLDWIDE, INC.的营收复合增速更高（23.4% vs 10.9%）
ACI Worldwide是全球领先的数字支付软件企业，总部位于美国内布拉斯加州埃尔克霍恩，为94个国家的客户提供服务，每日处理数十亿笔交易，总价值达数万亿美元。其智能解决方案服务于银行、金融机构、商户、账单服务商、收单机构、发卡机构及第三方支付服务商，支持全渠道搭建安全支付体系。
nCino, Inc.是一家总部位于美国北卡罗来纳州威尔明顿的全球金融科技企业，专注于提供云原生银行软件与核心银行平台，服务覆盖银行、信用合作社及各类大型金融机构，助力金融机构实现数字化运营升级。
ACIW vs NCNO — 直观对比
营收规模更大
ACIW
是对方的3.2倍
$152.2M
营收增速更快
NCNO
高出3.3%
6.3%
净利率更高
ACIW
高出9.1%
4.3%
自由现金流更多
ACIW
多$111.7M
$4.9M
两年增速更快
ACIW
近两年复合增速
10.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $152.2M |
| 净利润 | $64.3M | $6.5M |
| 毛利率 | 53.0% | 61.6% |
| 营业利润率 | 22.6% | 7.7% |
| 净利率 | 13.4% | 4.3% |
| 营收同比 | 6.3% | 9.6% |
| 净利润同比 | -34.7% | 224.5% |
| 每股收益（稀释后） | $0.61 | $0.06 |
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ACIWNCNO
| Q4 25 | $481.6M | $152.2M | ||
| Q3 25 | $482.4M | $148.8M | ||
| Q2 25 | $401.3M | $144.1M | ||
| Q1 25 | $394.6M | $141.4M | ||
| Q4 24 | $453.0M | $138.8M | ||
| Q3 24 | $451.8M | $132.4M | ||
| Q2 24 | $373.5M | $128.1M | ||
| Q1 24 | $316.0M | $123.7M |
净利润ACIWNCNO
| Q4 25 | $64.3M | $6.5M | ||
| Q3 25 | $91.3M | $-15.3M | ||
| Q2 25 | $12.2M | $5.6M | ||
| Q1 25 | $58.9M | $-18.6M | ||
| Q4 24 | $98.6M | $-5.3M | ||
| Q3 24 | $81.4M | $-11.0M | ||
| Q2 24 | $30.9M | $-3.0M | ||
| Q1 24 | $-7.8M | $1.2M |
毛利率ACIWNCNO
| Q4 25 | 53.0% | 61.6% | ||
| Q3 25 | 53.7% | 59.2% | ||
| Q2 25 | 41.5% | 60.0% | ||
| Q1 25 | 45.9% | 59.7% | ||
| Q4 24 | 55.8% | 61.3% | ||
| Q3 24 | 56.3% | 59.3% | ||
| Q2 24 | 45.6% | 60.0% | ||
| Q1 24 | 39.5% | 60.2% |
营业利润率ACIWNCNO
| Q4 25 | 22.6% | 7.7% | ||
| Q3 25 | 26.5% | -6.2% | ||
| Q2 25 | 8.7% | -1.0% | ||
| Q1 25 | 14.8% | -4.1% | ||
| Q4 24 | 27.0% | -0.6% | ||
| Q3 24 | 27.1% | -6.0% | ||
| Q2 24 | 14.4% | -2.9% | ||
| Q1 24 | 3.0% | -2.6% |
净利率ACIWNCNO
| Q4 25 | 13.4% | 4.3% | ||
| Q3 25 | 18.9% | -10.3% | ||
| Q2 25 | 3.0% | 3.9% | ||
| Q1 25 | 14.9% | -13.2% | ||
| Q4 24 | 21.8% | -3.8% | ||
| Q3 24 | 18.0% | -8.3% | ||
| Q2 24 | 8.3% | -2.3% | ||
| Q1 24 | -2.5% | 0.9% |
每股收益（稀释后）ACIWNCNO
| Q4 25 | $0.61 | $0.06 | ||
| Q3 25 | $0.88 | $-0.13 | ||
| Q2 25 | $0.12 | $0.05 | ||
| Q1 25 | $0.55 | $-0.15 | ||
| Q4 24 | $0.92 | $-0.05 | ||
| Q3 24 | $0.77 | $-0.10 | ||
| Q2 24 | $0.29 | $-0.03 | ||
| Q1 24 | $-0.07 | $0.01 |
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 | $196.5M | $87.6M |
| 总债务越低越好 | $817.6M | — |
| 股东权益账面价值 | $1.5B | $1.0B |
| 总资产 | $3.1B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.54× | — |
8季度趋势，按日历期对齐
现金及短期投资ACIWNCNO
| Q4 25 | $196.5M | $87.6M | ||
| Q3 25 | $199.3M | $122.9M | ||
| Q2 25 | $189.7M | $133.2M | ||
| Q1 25 | $230.1M | $120.9M | ||
| Q4 24 | $216.4M | $257.9M | ||
| Q3 24 | $177.9M | $121.4M | ||
| Q2 24 | $157.0M | $129.5M | ||
| Q1 24 | $183.4M | $112.1M |
总债务ACIWNCNO
| Q4 25 | $817.6M | — | ||
| Q3 25 | $867.8M | — | ||
| Q2 25 | $898.0M | — | ||
| Q1 25 | $845.9M | — | ||
| Q4 24 | $924.6M | — | ||
| Q3 24 | $994.3M | — | ||
| Q2 24 | $1.0B | — | ||
| Q1 24 | $1.0B | — |
股东权益ACIWNCNO
| Q4 25 | $1.5B | $1.0B | ||
| Q3 25 | $1.5B | $1.1B | ||
| Q2 25 | $1.4B | $1.1B | ||
| Q1 25 | $1.5B | $1.1B | ||
| Q4 24 | $1.4B | $1.1B | ||
| Q3 24 | $1.3B | $1.1B | ||
| Q2 24 | $1.2B | $1.1B | ||
| Q1 24 | $1.3B | $1.0B |
总资产ACIWNCNO
| Q4 25 | $3.1B | $1.6B | ||
| Q3 25 | $3.2B | $1.6B | ||
| Q2 25 | $3.1B | $1.7B | ||
| Q1 25 | $3.2B | $1.6B | ||
| Q4 24 | $3.0B | $1.5B | ||
| Q3 24 | $3.1B | $1.4B | ||
| Q2 24 | $3.4B | $1.4B | ||
| Q1 24 | $3.3B | $1.3B |
负债/权益比ACIWNCNO
| Q4 25 | 0.54× | — | ||
| Q3 25 | 0.59× | — | ||
| Q2 25 | 0.64× | — | ||
| Q1 25 | 0.57× | — | ||
| Q4 24 | 0.65× | — | ||
| Q3 24 | 0.75× | — | ||
| Q2 24 | 0.82× | — | ||
| Q1 24 | 0.81× | — |
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 | $121.8M | $5.1M |
| 自由现金流经营现金流 - 资本支出 | $116.6M | $4.9M |
| 自由现金流率自由现金流/营收 | 24.2% | 3.2% |
| 资本支出强度资本支出/营收 | 1.1% | 0.1% |
| 现金转化率经营现金流/净利润 | 1.89× | 0.78× |
| 过去12个月自由现金流最近4个季度 | $309.9M | $59.7M |
8季度趋势，按日历期对齐
经营现金流ACIWNCNO
| Q4 25 | $121.8M | $5.1M | ||
| Q3 25 | $73.0M | $17.7M | ||
| Q2 25 | $49.8M | $54.3M | ||
| Q1 25 | $78.2M | $-10.0M | ||
| Q4 24 | $126.5M | $5.8M | ||
| Q3 24 | $54.0M | $5.0M | ||
| Q2 24 | $55.0M | $54.4M | ||
| Q1 24 | $123.2M | $8.1M |
自由现金流ACIWNCNO
| Q4 25 | $116.6M | $4.9M | ||
| Q3 25 | $69.6M | $12.6M | ||
| Q2 25 | $47.6M | $52.6M | ||
| Q1 25 | $76.1M | $-10.4M | ||
| Q4 24 | $119.5M | $5.1M | ||
| Q3 24 | $50.5M | $4.6M | ||
| Q2 24 | $53.3M | $54.1M | ||
| Q1 24 | $120.0M | $7.7M |
自由现金流率ACIWNCNO
| Q4 25 | 24.2% | 3.2% | ||
| Q3 25 | 14.4% | 8.5% | ||
| Q2 25 | 11.9% | 36.5% | ||
| Q1 25 | 19.3% | -7.3% | ||
| Q4 24 | 26.4% | 3.7% | ||
| Q3 24 | 11.2% | 3.4% | ||
| Q2 24 | 14.3% | 42.2% | ||
| Q1 24 | 38.0% | 6.2% |
资本支出强度ACIWNCNO
| Q4 25 | 1.1% | 0.1% | ||
| Q3 25 | 0.7% | 3.5% | ||
| Q2 25 | 0.5% | 1.2% | ||
| Q1 25 | 0.5% | 0.2% | ||
| Q4 24 | 1.5% | 0.5% | ||
| Q3 24 | 0.8% | 0.3% | ||
| Q2 24 | 0.5% | 0.3% | ||
| Q1 24 | 1.0% | 0.3% |
现金转化率ACIWNCNO
| Q4 25 | 1.89× | 0.78× | ||
| Q3 25 | 0.80× | — | ||
| Q2 25 | 4.08× | 9.77× | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | 1.28× | — | ||
| Q3 24 | 0.66× | — | ||
| Q2 24 | 1.78× | — | ||
| Q1 24 | — | 7.02× |
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
ACIW
| Issuing And Acquiring | $183.7M | 38% |
| License | $158.3M | 33% |
| Maintenance | $50.8M | 11% |
| Software And Platform Service | $49.6M | 10% |
| Merchant Payments | $42.4M | 9% |
NCNO
| License And Service | $133.4M | 88% |
| Professional Services | $18.8M | 12% |
