vs
Gen Digital（GEN）与nCino, Inc.（NCNO）财务数据对比。点击上方公司名可切换其他公司
Gen Digital的季度营收约是nCino, Inc.的8.1倍（$1.2B vs $152.2M），Gen Digital净利率更高（15.5% vs 4.3%，领先11.2%），Gen Digital同比增速更快（28.5% vs 9.6%），过去两年Gen Digital的营收复合增速更高（13.4% vs 10.9%）
Gen Digital是一家跨国软件企业，双总部分别设于美国亚利桑那州坦佩和欧盟捷克布拉格，是财富500强企业及标普500指数成分股，同时在纳斯达克与布拉格证券交易所挂牌上市。公司主营网络安全软件、金融科技及相关服务，旗下拥有诺顿、Avast、LifeLock、AVG、CCleaner等多个知名品牌。
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。
GEN vs NCNO — 直观对比
营收规模更大
GEN
是对方的8.1倍
$152.2M
营收增速更快
GEN
高出18.9%
9.6%
净利率更高
GEN
高出11.2%
4.3%
两年增速更快
GEN
近两年复合增速
10.9%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.2B | $152.2M |
| 净利润 | $192.0M | $6.5M |
| 毛利率 | 78.4% | 61.6% |
| 营业利润率 | 34.9% | 7.7% |
| 净利率 | 15.5% | 4.3% |
| 营收同比 | 28.5% | 9.6% |
| 净利润同比 | 6.1% | 224.5% |
| 每股收益（稀释后） | $0.31 | $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GENNCNO
| 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 |
净利润GENNCNO
| 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 |
毛利率GENNCNO
| 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% |
营业利润率GENNCNO
| 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% |
净利率GENNCNO
| 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% |
每股收益（稀释后）GENNCNO
| 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 |
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 | — | $87.6M |
| 总债务越低越好 | $8.4B | — |
| 股东权益账面价值 | $2.3B | $1.0B |
| 总资产 | $15.8B | $1.6B |
| 负债/权益比越低杠杆越低 | 3.61× | — |
8季度趋势，按日历期对齐
现金及短期投资GENNCNO
| 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 |
总债务GENNCNO
| 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 | — |
股东权益GENNCNO
| 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 |
总资产GENNCNO
| 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 |
负债/权益比GENNCNO
| 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× | — |
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 | — | $5.1M |
| 自由现金流经营现金流 - 资本支出 | — | $4.9M |
| 自由现金流率自由现金流/营收 | — | 3.2% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | — | 0.78× |
| 过去12个月自由现金流最近4个季度 | — | $59.7M |
8季度趋势，按日历期对齐
经营现金流GENNCNO
| 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 |
自由现金流GENNCNO
| 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 |
自由现金流率GENNCNO
| 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% |
资本支出强度GENNCNO
| 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% |
现金转化率GENNCNO
| 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× | — |
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
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% |
