vs
nCino, Inc.（NCNO）与RESOURCES CONNECTION, INC.（RGP）财务数据对比。点击上方公司名可切换其他公司
nCino, Inc.的季度营收约是RESOURCES CONNECTION, INC.的1.3倍（$152.2M vs $117.7M），nCino, Inc.净利率更高（4.3% vs -10.8%，领先15.1%），nCino, Inc.同比增速更快（9.6% vs -19.2%），RESOURCES CONNECTION, INC.自由现金流更多（$15.6M vs $4.9M），过去两年nCino, Inc.的营收复合增速更高（10.9% vs -11.8%）
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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
NCNO vs RGP — 直观对比
营收规模更大
NCNO
是对方的1.3倍
$117.7M
营收增速更快
NCNO
高出28.8%
-19.2%
净利率更高
NCNO
高出15.1%
-10.8%
自由现金流更多
RGP
多$10.7M
$4.9M
两年增速更快
NCNO
近两年复合增速
-11.8%
损益表 — Q3 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $152.2M | $117.7M |
| 净利润 | $6.5M | $-12.7M |
| 毛利率 | 61.6% | 37.1% |
| 营业利润率 | 7.7% | -10.3% |
| 净利率 | 4.3% | -10.8% |
| 营收同比 | 9.6% | -19.2% |
| 净利润同比 | 224.5% | 81.6% |
| 每股收益（稀释后） | $0.06 | $-0.38 |
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NCNORGP
| Q4 25 | $152.2M | $117.7M | ||
| Q3 25 | $148.8M | $120.2M | ||
| Q2 25 | $144.1M | $139.3M | ||
| Q1 25 | $141.4M | $129.4M | ||
| Q4 24 | $138.8M | $145.6M | ||
| Q3 24 | $132.4M | $136.9M | ||
| Q2 24 | $128.1M | $148.2M | ||
| Q1 24 | $123.7M | $151.3M |
净利润NCNORGP
| Q4 25 | $6.5M | $-12.7M | ||
| Q3 25 | $-15.3M | $-2.4M | ||
| Q2 25 | $5.6M | $-73.3M | ||
| Q1 25 | $-18.6M | $-44.1M | ||
| Q4 24 | $-5.3M | $-68.7M | ||
| Q3 24 | $-11.0M | $-5.7M | ||
| Q2 24 | $-3.0M | $10.5M | ||
| Q1 24 | $1.2M | $2.5M |
毛利率NCNORGP
| Q4 25 | 61.6% | 37.1% | ||
| Q3 25 | 59.2% | 39.5% | ||
| Q2 25 | 60.0% | 40.2% | ||
| Q1 25 | 59.7% | 35.1% | ||
| Q4 24 | 61.3% | 38.5% | ||
| Q3 24 | 59.3% | 36.5% | ||
| Q2 24 | 60.0% | 40.2% | ||
| Q1 24 | 60.2% | 37.0% |
营业利润率NCNORGP
| Q4 25 | 7.7% | -10.3% | ||
| Q3 25 | -6.2% | -1.7% | ||
| Q2 25 | -1.0% | -47.0% | ||
| Q1 25 | -4.1% | -38.4% | ||
| Q4 24 | -0.6% | -52.7% | ||
| Q3 24 | -6.0% | -3.5% | ||
| Q2 24 | -2.9% | 7.6% | ||
| Q1 24 | -2.6% | 2.8% |
净利率NCNORGP
| Q4 25 | 4.3% | -10.8% | ||
| Q3 25 | -10.3% | -2.0% | ||
| Q2 25 | 3.9% | -52.6% | ||
| Q1 25 | -13.2% | -34.0% | ||
| Q4 24 | -3.8% | -47.2% | ||
| Q3 24 | -8.3% | -4.2% | ||
| Q2 24 | -2.3% | 7.1% | ||
| Q1 24 | 0.9% | 1.7% |
每股收益（稀释后）NCNORGP
| Q4 25 | $0.06 | $-0.38 | ||
| Q3 25 | $-0.13 | $-0.07 | ||
| Q2 25 | $0.05 | $-2.21 | ||
| Q1 25 | $-0.15 | $-1.34 | ||
| Q4 24 | $-0.05 | $-2.08 | ||
| Q3 24 | $-0.10 | $-0.17 | ||
| Q2 24 | $-0.03 | $0.31 | ||
| Q1 24 | $0.01 | $0.08 |
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 | $89.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.0B | $194.6M |
| 总资产 | $1.6B | $289.3M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资NCNORGP
| Q4 25 | $87.6M | $89.8M | ||
| Q3 25 | $122.9M | $77.5M | ||
| Q2 25 | $133.2M | $86.1M | ||
| Q1 25 | $120.9M | $72.5M | ||
| Q4 24 | $257.9M | $78.2M | ||
| Q3 24 | $121.4M | $89.6M | ||
| Q2 24 | $129.5M | $108.9M | ||
| Q1 24 | $112.1M | $113.8M |
股东权益NCNORGP
| Q4 25 | $1.0B | $194.6M | ||
| Q3 25 | $1.1B | $206.4M | ||
| Q2 25 | $1.1B | $207.1M | ||
| Q1 25 | $1.1B | $277.8M | ||
| Q4 24 | $1.1B | $325.7M | ||
| Q3 24 | $1.1B | $407.2M | ||
| Q2 24 | $1.1B | $418.8M | ||
| Q1 24 | $1.0B | $414.9M |
总资产NCNORGP
| Q4 25 | $1.6B | $289.3M | ||
| Q3 25 | $1.6B | $287.2M | ||
| Q2 25 | $1.7B | $304.7M | ||
| Q1 25 | $1.6B | $375.6M | ||
| Q4 24 | $1.5B | $424.9M | ||
| Q3 24 | $1.4B | $512.9M | ||
| Q2 24 | $1.4B | $510.9M | ||
| Q1 24 | $1.3B | $523.2M |
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 | $15.9M |
| 自由现金流经营现金流 - 资本支出 | $4.9M | $15.6M |
| 自由现金流率自由现金流/营收 | 3.2% | 13.2% |
| 资本支出强度资本支出/营收 | 0.1% | 0.3% |
| 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 | $24.3M |
8季度趋势，按日历期对齐
经营现金流NCNORGP
| Q4 25 | $5.1M | $15.9M | ||
| Q3 25 | $17.7M | $-7.8M | ||
| Q2 25 | $54.3M | $16.8M | ||
| Q1 25 | $-10.0M | $659.0K | ||
| Q4 24 | $5.8M | $1.8M | ||
| Q3 24 | $5.0M | $-309.0K | ||
| Q2 24 | $54.4M | $3.2M | ||
| Q1 24 | $8.1M | $20.5M |
自由现金流NCNORGP
| Q4 25 | $4.9M | $15.6M | ||
| Q3 25 | $12.6M | $-8.0M | ||
| Q2 25 | $52.6M | $16.5M | ||
| Q1 25 | $-10.4M | $238.0K | ||
| Q4 24 | $5.1M | $61.0K | ||
| Q3 24 | $4.6M | $-575.0K | ||
| Q2 24 | $54.1M | $3.0M | ||
| Q1 24 | $7.7M | $20.4M |
自由现金流率NCNORGP
| Q4 25 | 3.2% | 13.2% | ||
| Q3 25 | 8.5% | -6.6% | ||
| Q2 25 | 36.5% | 11.8% | ||
| Q1 25 | -7.3% | 0.2% | ||
| Q4 24 | 3.7% | 0.0% | ||
| Q3 24 | 3.4% | -0.4% | ||
| Q2 24 | 42.2% | 2.1% | ||
| Q1 24 | 6.2% | 13.5% |
资本支出强度NCNORGP
| Q4 25 | 0.1% | 0.3% | ||
| Q3 25 | 3.5% | 0.1% | ||
| Q2 25 | 1.2% | 0.2% | ||
| Q1 25 | 0.2% | 0.3% | ||
| Q4 24 | 0.5% | 1.2% | ||
| Q3 24 | 0.3% | 0.2% | ||
| Q2 24 | 0.3% | 0.1% | ||
| Q1 24 | 0.3% | 0.1% |
现金转化率NCNORGP
| Q4 25 | 0.78× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 9.77× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.30× | ||
| Q1 24 | 7.02× | 8.04× |
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
NCNO
| License And Service | $133.4M | 88% |
| Professional Services | $18.8M | 12% |
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
