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Guidewire Software, Inc.（GWRE）与SS&C Technologies Holdings Inc（SSNC）财务数据对比。点击上方公司名可切换其他公司
SS&C Technologies Holdings Inc的季度营收约是Guidewire Software, Inc.的5.0倍（$1.6B vs $332.6M），SS&C Technologies Holdings Inc净利率更高（13.7% vs 9.4%，领先4.3%），Guidewire Software, Inc.同比增速更快（26.5% vs 8.8%），过去两年Guidewire Software, Inc.的营收复合增速更高（17.5% vs 6.5%）
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。
SS&C Technologies Holdings Inc.是总部位于美国康涅狄格州温莎的跨国控股企业，面向金融服务行业提供专业软件及软件即服务（SaaS）解决方案，业务覆盖全球，在美洲、欧洲、亚洲、非洲及澳洲均设有办公网点。
GWRE vs SSNC — 直观对比
营收规模更大
SSNC
是对方的5.0倍
$332.6M
营收增速更快
GWRE
高出17.7%
8.8%
净利率更高
SSNC
高出4.3%
9.4%
两年增速更快
GWRE
近两年复合增速
6.5%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $332.6M | $1.6B |
| 净利润 | $31.3M | $226.1M |
| 毛利率 | 63.0% | 48.7% |
| 营业利润率 | 5.6% | 24.2% |
| 净利率 | 9.4% | 13.7% |
| 营收同比 | 26.5% | 8.8% |
| 净利润同比 | 242.6% | 6.2% |
| 每股收益（稀释后） | $0.36 | $0.91 |
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GWRESSNC
| Q1 26 | — | $1.6B | ||
| Q4 25 | $332.6M | $1.7B | ||
| Q3 25 | $356.6M | $1.6B | ||
| Q2 25 | $293.5M | $1.5B | ||
| Q1 25 | $289.5M | $1.5B | ||
| Q4 24 | $262.9M | $1.5B | ||
| Q3 24 | $291.5M | $1.5B | ||
| Q2 24 | $240.7M | $1.5B |
净利润GWRESSNC
| Q1 26 | — | $226.1M | ||
| Q4 25 | $31.3M | $193.1M | ||
| Q3 25 | $52.0M | $210.0M | ||
| Q2 25 | $46.0M | $180.8M | ||
| Q1 25 | $-37.3M | $213.0M | ||
| Q4 24 | $9.1M | $248.2M | ||
| Q3 24 | $16.8M | $164.4M | ||
| Q2 24 | $-5.5M | $190.3M |
毛利率GWRESSNC
| Q1 26 | — | 48.7% | ||
| Q4 25 | 63.0% | 47.8% | ||
| Q3 25 | 65.0% | 47.7% | ||
| Q2 25 | 62.2% | 48.0% | ||
| Q1 25 | 61.9% | 49.3% | ||
| Q4 24 | 60.2% | 49.3% | ||
| Q3 24 | 64.0% | 48.0% | ||
| Q2 24 | 59.1% | 48.1% |
营业利润率GWRESSNC
| Q1 26 | — | 24.2% | ||
| Q4 25 | 5.6% | 22.3% | ||
| Q3 25 | 8.3% | 23.3% | ||
| Q2 25 | 1.5% | 22.4% | ||
| Q1 25 | 4.0% | 23.6% | ||
| Q4 24 | -1.8% | 23.4% | ||
| Q3 24 | 3.5% | 22.2% | ||
| Q2 24 | -6.9% | 22.6% |
净利率GWRESSNC
| Q1 26 | — | 13.7% | ||
| Q4 25 | 9.4% | 11.7% | ||
| Q3 25 | 14.6% | 13.4% | ||
| Q2 25 | 15.7% | 11.8% | ||
| Q1 25 | -12.9% | 14.1% | ||
| Q4 24 | 3.5% | 16.2% | ||
| Q3 24 | 5.7% | 11.2% | ||
| Q2 24 | -2.3% | 13.1% |
每股收益（稀释后）GWRESSNC
| Q1 26 | — | $0.91 | ||
| Q4 25 | $0.36 | $0.76 | ||
| Q3 25 | $0.61 | $0.83 | ||
| Q2 25 | $0.54 | $0.72 | ||
| Q1 25 | $-0.45 | $0.84 | ||
| Q4 24 | $0.11 | $0.98 | ||
| Q3 24 | $0.21 | $0.65 | ||
| Q2 24 | $-0.07 | $0.75 |
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 | $420.9M |
| 总债务越低越好 | — | $7.4B |
| 股东权益账面价值 | $1.5B | $6.9B |
| 总资产 | $2.6B | $20.3B |
| 负债/权益比越低杠杆越低 | — | 1.08× |
8季度趋势，按日历期对齐
现金及短期投资GWRESSNC
| Q1 26 | — | $420.9M | ||
| Q4 25 | $1.0B | $462.1M | ||
| Q3 25 | $1.1B | $388.3M | ||
| Q2 25 | $920.4M | $480.3M | ||
| Q1 25 | $1.2B | $515.0M | ||
| Q4 24 | $1.3B | $567.1M | ||
| Q3 24 | $1.0B | $694.7M | ||
| Q2 24 | $782.3M | $462.7M |
总债务GWRESSNC
| Q1 26 | — | $7.4B | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $398.9M | — | ||
| Q2 24 | — | — |
股东权益GWRESSNC
| Q1 26 | — | $6.9B | ||
| Q4 25 | $1.5B | $6.9B | ||
| Q3 25 | $1.5B | $6.9B | ||
| Q2 25 | $1.4B | $6.9B | ||
| Q1 25 | $1.3B | $6.8B | ||
| Q4 24 | $1.3B | $6.5B | ||
| Q3 24 | $1.3B | $6.8B | ||
| Q2 24 | $1.3B | $6.4B |
总资产GWRESSNC
| Q1 26 | — | $20.3B | ||
| Q4 25 | $2.6B | $20.7B | ||
| Q3 25 | $2.7B | $19.5B | ||
| Q2 25 | $2.5B | $19.0B | ||
| Q1 25 | $2.5B | $20.4B | ||
| Q4 24 | $2.6B | $19.0B | ||
| Q3 24 | $2.2B | $18.4B | ||
| Q2 24 | $2.0B | $16.9B |
负债/权益比GWRESSNC
| Q1 26 | — | 1.08× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | — | — |
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 | $299.7M |
| 自由现金流经营现金流 - 资本支出 | $-72.3M | — |
| 自由现金流率自由现金流/营收 | -21.7% | — |
| 资本支出强度资本支出/营收 | 1.5% | 0.0% |
| 现金转化率经营现金流/净利润 | -2.15× | 1.33× |
| 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GWRESSNC
| Q1 26 | — | $299.7M | ||
| Q4 25 | $-67.4M | $643.5M | ||
| Q3 25 | $244.8M | $456.2M | ||
| Q2 25 | $32.4M | $372.9M | ||
| Q1 25 | $86.0M | $272.2M | ||
| Q4 24 | $-62.3M | $486.6M | ||
| Q3 24 | $193.8M | $336.6M | ||
| Q2 24 | $4.8M | $384.9M |
自由现金流GWRESSNC
| Q1 26 | — | — | ||
| Q4 25 | $-72.3M | $633.0M | ||
| Q3 25 | $241.4M | $421.5M | ||
| Q2 25 | $31.6M | $350.0M | ||
| Q1 25 | $85.2M | $259.5M | ||
| Q4 24 | $-63.1M | $466.9M | ||
| Q3 24 | $192.1M | $310.7M | ||
| Q2 24 | $4.1M | $374.9M |
自由现金流率GWRESSNC
| Q1 26 | — | — | ||
| Q4 25 | -21.7% | 38.3% | ||
| Q3 25 | 67.7% | 26.9% | ||
| Q2 25 | 10.8% | 22.8% | ||
| Q1 25 | 29.4% | 17.1% | ||
| Q4 24 | -24.0% | 30.5% | ||
| Q3 24 | 65.9% | 21.2% | ||
| Q2 24 | 1.7% | 25.8% |
资本支出强度GWRESSNC
| Q1 26 | — | 0.0% | ||
| Q4 25 | 1.5% | 0.6% | ||
| Q3 25 | 1.0% | 2.2% | ||
| Q2 25 | 0.2% | 1.5% | ||
| Q1 25 | 0.3% | 0.8% | ||
| Q4 24 | 0.3% | 1.3% | ||
| Q3 24 | 0.6% | 1.8% | ||
| Q2 24 | 0.3% | 0.7% |
现金转化率GWRESSNC
| Q1 26 | — | 1.33× | ||
| Q4 25 | -2.15× | 3.33× | ||
| Q3 25 | 4.71× | 2.17× | ||
| Q2 25 | 0.70× | 2.06× | ||
| Q1 25 | — | 1.28× | ||
| Q4 24 | -6.82× | 1.96× | ||
| Q3 24 | 11.56× | 2.05× | ||
| Q2 24 | — | 2.02× |
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
GWRE
| Subscription | $222.7M | 67% |
| Services | $62.4M | 19% |
| Other | $33.1M | 10% |
| Support | $14.5M | 4% |
SSNC
| Technology-enabled services | $1.4B | 85% |
| License, maintenance and related | $239.8M | 15% |
