vs
Guidewire Software, Inc.（GWRE）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
RBC Bearings INC的季度营收约是Guidewire Software, Inc.的1.4倍（$461.6M vs $332.6M），RBC Bearings INC净利率更高（14.6% vs 9.4%，领先5.2%），Guidewire Software, Inc.同比增速更快（26.5% vs 17.0%），RBC Bearings INC自由现金流更多（$99.1M vs $-72.3M），过去两年Guidewire Software, Inc.的营收复合增速更高（17.5% vs 5.6%）
Guidewire Software是总部位于美国加利福尼亚州圣马特奥的软件企业，面向美国及全球的财产与意外伤害保险经营机构提供专业行业平台，支持险企优化业务流程、推进数字化升级，满足保险行业的各类专业化运营需求。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
GWRE vs RBC — 直观对比
营收规模更大
RBC
是对方的1.4倍
$332.6M
营收增速更快
GWRE
高出9.5%
17.0%
净利率更高
RBC
高出5.2%
9.4%
自由现金流更多
RBC
多$171.4M
$-72.3M
两年增速更快
GWRE
近两年复合增速
5.6%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $332.6M | $461.6M |
| 净利润 | $31.3M | $67.4M |
| 毛利率 | 63.0% | 44.3% |
| 营业利润率 | 5.6% | 22.3% |
| 净利率 | 9.4% | 14.6% |
| 营收同比 | 26.5% | 17.0% |
| 净利润同比 | 242.6% | 16.4% |
| 每股收益（稀释后） | $0.36 | $2.13 |
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GWRERBC
| Q4 25 | $332.6M | $461.6M | ||
| Q3 25 | $356.6M | $455.3M | ||
| Q2 25 | $293.5M | $436.0M | ||
| Q1 25 | $289.5M | $437.7M | ||
| Q4 24 | $262.9M | $394.4M | ||
| Q3 24 | $291.5M | $397.9M | ||
| Q2 24 | $240.7M | $406.3M | ||
| Q1 24 | $240.9M | $413.7M |
净利润GWRERBC
| Q4 25 | $31.3M | $67.4M | ||
| Q3 25 | $52.0M | $60.0M | ||
| Q2 25 | $46.0M | $68.5M | ||
| Q1 25 | $-37.3M | $72.7M | ||
| Q4 24 | $9.1M | $57.9M | ||
| Q3 24 | $16.8M | $54.2M | ||
| Q2 24 | $-5.5M | $61.4M | ||
| Q1 24 | $9.7M | — |
毛利率GWRERBC
| Q4 25 | 63.0% | 44.3% | ||
| Q3 25 | 65.0% | 44.1% | ||
| Q2 25 | 62.2% | 44.8% | ||
| Q1 25 | 61.9% | 44.2% | ||
| Q4 24 | 60.2% | 44.3% | ||
| Q3 24 | 64.0% | 43.7% | ||
| Q2 24 | 59.1% | 45.3% | ||
| Q1 24 | 59.1% | 43.1% |
营业利润率GWRERBC
| Q4 25 | 5.6% | 22.3% | ||
| Q3 25 | 8.3% | 21.5% | ||
| Q2 25 | 1.5% | 23.2% | ||
| Q1 25 | 4.0% | 23.0% | ||
| Q4 24 | -1.8% | 21.7% | ||
| Q3 24 | 3.5% | 21.6% | ||
| Q2 24 | -6.9% | 24.0% | ||
| Q1 24 | -5.2% | 22.8% |
净利率GWRERBC
| Q4 25 | 9.4% | 14.6% | ||
| Q3 25 | 14.6% | 13.2% | ||
| Q2 25 | 15.7% | 15.7% | ||
| Q1 25 | -12.9% | 16.6% | ||
| Q4 24 | 3.5% | 14.7% | ||
| Q3 24 | 5.7% | 13.6% | ||
| Q2 24 | -2.3% | 15.1% | ||
| Q1 24 | 4.0% | — |
每股收益（稀释后）GWRERBC
| Q4 25 | $0.36 | $2.13 | ||
| Q3 25 | $0.61 | $1.90 | ||
| Q2 25 | $0.54 | $2.17 | ||
| Q1 25 | $-0.45 | $2.33 | ||
| Q4 24 | $0.11 | $1.82 | ||
| Q3 24 | $0.21 | $1.65 | ||
| Q2 24 | $-0.07 | $1.90 | ||
| Q1 24 | $0.12 | $1.92 |
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 | $1.0B | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $1.5B | $3.3B |
| 总资产 | $2.6B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资GWRERBC
| Q4 25 | $1.0B | $107.6M | ||
| Q3 25 | $1.1B | $91.2M | ||
| Q2 25 | $920.4M | $132.9M | ||
| Q1 25 | $1.2B | $36.8M | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $1.0B | — | ||
| Q2 24 | $782.3M | $76.8M | ||
| Q1 24 | $777.6M | $63.5M |
总债务GWRERBC
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | $398.9M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
股东权益GWRERBC
| Q4 25 | $1.5B | $3.3B | ||
| Q3 25 | $1.5B | $3.2B | ||
| Q2 25 | $1.4B | $3.1B | ||
| Q1 25 | $1.3B | $3.0B | ||
| Q4 24 | $1.3B | $2.9B | ||
| Q3 24 | $1.3B | $2.9B | ||
| Q2 24 | $1.3B | $2.8B | ||
| Q1 24 | $1.3B | $2.8B |
总资产GWRERBC
| Q4 25 | $2.6B | $5.1B | ||
| Q3 25 | $2.7B | $5.1B | ||
| Q2 25 | $2.5B | $4.8B | ||
| Q1 25 | $2.5B | $4.7B | ||
| Q4 24 | $2.6B | $4.7B | ||
| Q3 24 | $2.2B | $4.7B | ||
| Q2 24 | $2.0B | $4.7B | ||
| Q1 24 | $2.0B | $4.7B |
负债/权益比GWRERBC
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $-67.4M | $122.1M |
| 自由现金流经营现金流 - 资本支出 | $-72.3M | $99.1M |
| 自由现金流率自由现金流/营收 | -21.7% | 21.5% |
| 资本支出强度资本支出/营收 | 1.5% | 5.0% |
| 现金转化率经营现金流/净利润 | -2.15× | 1.81× |
| 过去12个月自由现金流最近4个季度 | $286.0M | — |
8季度趋势，按日历期对齐
经营现金流GWRERBC
| Q4 25 | $-67.4M | $122.1M | ||
| Q3 25 | $244.8M | $88.4M | ||
| Q2 25 | $32.4M | $120.0M | ||
| Q1 25 | $86.0M | — | ||
| Q4 24 | $-62.3M | $84.0M | ||
| Q3 24 | $193.8M | — | ||
| Q2 24 | $4.8M | $97.4M | ||
| Q1 24 | $69.3M | — |
自由现金流GWRERBC
| Q4 25 | $-72.3M | $99.1M | ||
| Q3 25 | $241.4M | $71.7M | ||
| Q2 25 | $31.6M | $104.3M | ||
| Q1 25 | $85.2M | — | ||
| Q4 24 | $-63.1M | $73.6M | ||
| Q3 24 | $192.1M | — | ||
| Q2 24 | $4.1M | $88.4M | ||
| Q1 24 | $66.3M | — |
自由现金流率GWRERBC
| Q4 25 | -21.7% | 21.5% | ||
| Q3 25 | 67.7% | 15.7% | ||
| Q2 25 | 10.8% | 23.9% | ||
| Q1 25 | 29.4% | — | ||
| Q4 24 | -24.0% | 18.7% | ||
| Q3 24 | 65.9% | — | ||
| Q2 24 | 1.7% | 21.8% | ||
| Q1 24 | 27.5% | — |
资本支出强度GWRERBC
| Q4 25 | 1.5% | 5.0% | ||
| Q3 25 | 1.0% | 3.7% | ||
| Q2 25 | 0.2% | 3.6% | ||
| Q1 25 | 0.3% | 3.2% | ||
| Q4 24 | 0.3% | 2.6% | ||
| Q3 24 | 0.6% | 4.1% | ||
| Q2 24 | 0.3% | 2.2% | ||
| Q1 24 | 1.2% | — |
现金转化率GWRERBC
| Q4 25 | -2.15× | 1.81× | ||
| Q3 25 | 4.71× | 1.47× | ||
| Q2 25 | 0.70× | 1.75× | ||
| Q1 25 | — | — | ||
| Q4 24 | -6.82× | 1.45× | ||
| Q3 24 | 11.56× | — | ||
| Q2 24 | — | 1.59× | ||
| Q1 24 | 7.15× | — |
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
GWRE
| Subscription | $222.7M | 67% |
| Services | $62.4M | 19% |
| Other | $33.1M | 10% |
| Support | $14.5M | 4% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
