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Intuit（INTU）与nCino, Inc.（NCNO）财务数据对比。点击上方公司名可切换其他公司
Intuit的季度营收约是nCino, Inc.的25.5倍（$3.9B vs $152.2M），Intuit净利率更高（11.5% vs 4.3%，领先7.2%），Intuit同比增速更快（18.3% vs 9.6%），Intuit自由现金流更多（$599.0M vs $4.9M），过去两年nCino, Inc.的营收复合增速更高（10.9% vs 7.1%）
Intuit是总部位于美国加利福尼亚州山景城的跨国商业软件企业，专注于财务软件领域，现任首席执行官为萨桑·古达齐。旗下核心产品包括报税软件TurboTax、小微企业会计软件QuickBooks、信用监测及个人理财服务Credit Karma、邮件营销平台Mailchimp，服务覆盖个人及企业财税、营销等多个场景。
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。
INTU vs NCNO — 直观对比
营收规模更大
INTU
是对方的25.5倍
$152.2M
营收增速更快
INTU
高出8.7%
9.6%
净利率更高
INTU
高出7.2%
4.3%
自由现金流更多
INTU
多$594.1M
$4.9M
两年增速更快
NCNO
近两年复合增速
7.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.9B | $152.2M |
| 净利润 | $446.0M | $6.5M |
| 毛利率 | — | 61.6% |
| 营业利润率 | 13.7% | 7.7% |
| 净利率 | 11.5% | 4.3% |
| 营收同比 | 18.3% | 9.6% |
| 净利润同比 | 126.4% | 224.5% |
| 每股收益（稀释后） | $1.59 | $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INTUNCNO
| Q4 25 | $3.9B | $152.2M | ||
| Q3 25 | $3.8B | $148.8M | ||
| Q2 25 | $7.8B | $144.1M | ||
| Q1 25 | $4.0B | $141.4M | ||
| Q4 24 | $3.3B | $138.8M | ||
| Q3 24 | $3.2B | $132.4M | ||
| Q2 24 | $6.7B | $128.1M | ||
| Q1 24 | $3.4B | $123.7M |
净利润INTUNCNO
| Q4 25 | $446.0M | $6.5M | ||
| Q3 25 | $381.0M | $-15.3M | ||
| Q2 25 | $2.8B | $5.6M | ||
| Q1 25 | $471.0M | $-18.6M | ||
| Q4 24 | $197.0M | $-5.3M | ||
| Q3 24 | $-20.0M | $-11.0M | ||
| Q2 24 | $2.4B | $-3.0M | ||
| Q1 24 | $353.0M | $1.2M |
毛利率INTUNCNO
| Q4 25 | — | 61.6% | ||
| Q3 25 | — | 59.2% | ||
| Q2 25 | — | 60.0% | ||
| Q1 25 | — | 59.7% | ||
| Q4 24 | — | 61.3% | ||
| Q3 24 | — | 59.3% | ||
| Q2 24 | — | 60.0% | ||
| Q1 24 | — | 60.2% |
营业利润率INTUNCNO
| Q4 25 | 13.7% | 7.7% | ||
| Q3 25 | 8.8% | -6.2% | ||
| Q2 25 | 48.0% | -1.0% | ||
| Q1 25 | 15.0% | -4.1% | ||
| Q4 24 | 8.3% | -0.6% | ||
| Q3 24 | -4.7% | -6.0% | ||
| Q2 24 | 46.1% | -2.9% | ||
| Q1 24 | 10.9% | -2.6% |
净利率INTUNCNO
| Q4 25 | 11.5% | 4.3% | ||
| Q3 25 | 9.9% | -10.3% | ||
| Q2 25 | 36.4% | 3.9% | ||
| Q1 25 | 11.9% | -13.2% | ||
| Q4 24 | 6.0% | -3.8% | ||
| Q3 24 | -0.6% | -8.3% | ||
| Q2 24 | 35.5% | -2.3% | ||
| Q1 24 | 10.4% | 0.9% |
每股收益（稀释后）INTUNCNO
| Q4 25 | $1.59 | $0.06 | ||
| Q3 25 | $1.28 | $-0.13 | ||
| Q2 25 | $10.02 | $0.05 | ||
| Q1 25 | $1.67 | $-0.15 | ||
| Q4 24 | $0.70 | $-0.05 | ||
| Q3 24 | $-0.09 | $-0.10 | ||
| Q2 24 | $8.42 | $-0.03 | ||
| Q1 24 | $1.25 | $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 | $3.5B | $87.6M |
| 总债务越低越好 | $6.1B | — |
| 股东权益账面价值 | $19.3B | $1.0B |
| 总资产 | $33.2B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.32× | — |
8季度趋势，按日历期对齐
现金及短期投资INTUNCNO
| Q4 25 | $3.5B | $87.6M | ||
| Q3 25 | $2.9B | $122.9M | ||
| Q2 25 | $5.4B | $133.2M | ||
| Q1 25 | $2.4B | $120.9M | ||
| Q4 24 | $2.9B | $257.9M | ||
| Q3 24 | $3.6B | $121.4M | ||
| Q2 24 | $4.2B | $129.5M | ||
| Q1 24 | $1.5B | $112.1M |
总债务INTUNCNO
| Q4 25 | $6.1B | — | ||
| Q3 25 | $6.0B | — | ||
| Q2 25 | $6.4B | — | ||
| Q1 25 | $6.3B | — | ||
| Q4 24 | $6.1B | — | ||
| Q3 24 | $6.0B | — | ||
| Q2 24 | $6.0B | — | ||
| Q1 24 | $6.0B | — |
股东权益INTUNCNO
| Q4 25 | $19.3B | $1.0B | ||
| Q3 25 | $19.7B | $1.1B | ||
| Q2 25 | $20.1B | $1.1B | ||
| Q1 25 | $17.9B | $1.1B | ||
| Q4 24 | $18.1B | $1.1B | ||
| Q3 24 | $18.4B | $1.1B | ||
| Q2 24 | $18.8B | $1.1B | ||
| Q1 24 | $16.9B | $1.0B |
总资产INTUNCNO
| Q4 25 | $33.2B | $1.6B | ||
| Q3 25 | $37.0B | $1.6B | ||
| Q2 25 | $36.6B | $1.7B | ||
| Q1 25 | $31.7B | $1.6B | ||
| Q4 24 | $33.2B | $1.5B | ||
| Q3 24 | $32.1B | $1.4B | ||
| Q2 24 | $31.6B | $1.4B | ||
| Q1 24 | $29.7B | $1.3B |
负债/权益比INTUNCNO
| Q4 25 | 0.32× | — | ||
| Q3 25 | 0.30× | — | ||
| Q2 25 | 0.32× | — | ||
| Q1 25 | 0.35× | — | ||
| Q4 24 | 0.34× | — | ||
| Q3 24 | 0.33× | — | ||
| Q2 24 | 0.32× | — | ||
| Q1 24 | 0.35× | — |
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 | $637.0M | $5.1M |
| 自由现金流经营现金流 - 资本支出 | $599.0M | $4.9M |
| 自由现金流率自由现金流/营收 | 15.4% | 3.2% |
| 资本支出强度资本支出/营收 | 1.0% | 0.1% |
| 现金转化率经营现金流/净利润 | 1.43× | 0.78× |
| 过去12个月自由现金流最近4个季度 | $6.4B | $59.7M |
8季度趋势，按日历期对齐
经营现金流INTUNCNO
| Q4 25 | $637.0M | $5.1M | ||
| Q3 25 | $381.0M | $17.7M | ||
| Q2 25 | $4.4B | $54.3M | ||
| Q1 25 | $1.1B | $-10.0M | ||
| Q4 24 | $362.0M | $5.8M | ||
| Q3 24 | $417.0M | $5.0M | ||
| Q2 24 | $4.0B | $54.4M | ||
| Q1 24 | $613.0M | $8.1M |
自由现金流INTUNCNO
| Q4 25 | $599.0M | $4.9M | ||
| Q3 25 | $366.0M | $12.6M | ||
| Q2 25 | $4.4B | $52.6M | ||
| Q1 25 | $1.0B | $-10.4M | ||
| Q4 24 | $329.0M | $5.1M | ||
| Q3 24 | $400.0M | $4.6M | ||
| Q2 24 | $3.9B | $54.1M | ||
| Q1 24 | $550.0M | $7.7M |
自由现金流率INTUNCNO
| Q4 25 | 15.4% | 3.2% | ||
| Q3 25 | 9.6% | 8.5% | ||
| Q2 25 | 56.2% | 36.5% | ||
| Q1 25 | 26.2% | -7.3% | ||
| Q4 24 | 10.0% | 3.7% | ||
| Q3 24 | 12.6% | 3.4% | ||
| Q2 24 | 57.7% | 42.2% | ||
| Q1 24 | 16.2% | 6.2% |
资本支出强度INTUNCNO
| Q4 25 | 1.0% | 0.1% | ||
| Q3 25 | 0.4% | 3.5% | ||
| Q2 25 | 0.5% | 1.2% | ||
| Q1 25 | 0.8% | 0.2% | ||
| Q4 24 | 1.0% | 0.5% | ||
| Q3 24 | 0.5% | 0.3% | ||
| Q2 24 | 0.9% | 0.3% | ||
| Q1 24 | 1.9% | 0.3% |
现金转化率INTUNCNO
| Q4 25 | 1.43× | 0.78× | ||
| Q3 25 | 1.00× | — | ||
| Q2 25 | 1.56× | 9.77× | ||
| Q1 25 | 2.27× | — | ||
| Q4 24 | 1.84× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 1.65× | — | ||
| Q1 24 | 1.74× | 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
INTU
| Quick Books Online Accounting | $1.2B | 32% |
| Product And Other | $779.0M | 20% |
| Credit Karma | $616.0M | 16% |
| Turbo Tax | $581.0M | 15% |
| Quick Books Desktop Accounting | $408.0M | 11% |
| Pro Tax | $290.0M | 7% |
NCNO
| License And Service | $133.4M | 88% |
| Professional Services | $18.8M | 12% |
