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nCino, Inc.（NCNO）与STURM RUGER & CO INC（RGR）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STURM RUGER & CO INC的1.0倍（$152.2M vs $151.1M），nCino, Inc.同比增速更快（9.6% vs 3.6%），STURM RUGER & CO INC自由现金流更多（$12.3M vs $4.9M），过去两年nCino, Inc.的营收复合增速更高（10.9% vs 5.1%）
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。
鲁格公司（Ruger）是总部位于美国康涅狄格州绍斯波特的枪械制造企业，除总部外，还在新罕布什尔州纽波特、北卡罗来纳州梅约丹以及亚利桑那州普雷斯科特设有生产工厂。公司由亚历山大·麦考密克·斯特姆与威廉·B·鲁格于1949年共同创立，自1969年起公开上市交易。
NCNO vs RGR — 直观对比
营收规模更大
NCNO
是对方的1.0倍
$151.1M
营收增速更快
NCNO
高出6.0%
3.6%
自由现金流更多
RGR
多$7.4M
$4.9M
两年增速更快
NCNO
近两年复合增速
5.1%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $152.2M | $151.1M |
| 净利润 | $6.5M | — |
| 毛利率 | 61.6% | 17.8% |
| 营业利润率 | 7.7% | 2.3% |
| 净利率 | 4.3% | — |
| 营收同比 | 9.6% | 3.6% |
| 净利润同比 | 224.5% | — |
| 每股收益（稀释后） | $0.06 | $0.22 |
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NCNORGR
| Q4 25 | $152.2M | $151.1M | ||
| Q3 25 | $148.8M | $126.8M | ||
| Q2 25 | $144.1M | $132.5M | ||
| Q1 25 | $141.4M | $135.7M | ||
| Q4 24 | $138.8M | $145.8M | ||
| Q3 24 | $132.4M | $122.3M | ||
| Q2 24 | $128.1M | $130.8M | ||
| Q1 24 | $123.7M | $136.8M |
净利润NCNORGR
| Q4 25 | $6.5M | — | ||
| Q3 25 | $-15.3M | $1.6M | ||
| Q2 25 | $5.6M | $-17.2M | ||
| Q1 25 | $-18.6M | $7.8M | ||
| Q4 24 | $-5.3M | — | ||
| Q3 24 | $-11.0M | $4.7M | ||
| Q2 24 | $-3.0M | $8.3M | ||
| Q1 24 | $1.2M | $7.1M |
毛利率NCNORGR
| Q4 25 | 61.6% | 17.8% | ||
| Q3 25 | 59.2% | 15.1% | ||
| Q2 25 | 60.0% | 3.9% | ||
| Q1 25 | 59.7% | 22.0% | ||
| Q4 24 | 61.3% | 22.8% | ||
| Q3 24 | 59.3% | 18.5% | ||
| Q2 24 | 60.0% | 22.3% | ||
| Q1 24 | 60.2% | 21.5% |
营业利润率NCNORGR
| Q4 25 | 7.7% | 2.3% | ||
| Q3 25 | -6.2% | -2.7% | ||
| Q2 25 | -1.0% | -15.6% | ||
| Q1 25 | -4.1% | 6.2% | ||
| Q4 24 | -0.6% | 7.8% | ||
| Q3 24 | -6.0% | 3.1% | ||
| Q2 24 | -2.9% | 6.9% | ||
| Q1 24 | -2.6% | 5.5% |
净利率NCNORGR
| Q4 25 | 4.3% | — | ||
| Q3 25 | -10.3% | 1.2% | ||
| Q2 25 | 3.9% | -13.0% | ||
| Q1 25 | -13.2% | 5.7% | ||
| Q4 24 | -3.8% | — | ||
| Q3 24 | -8.3% | 3.9% | ||
| Q2 24 | -2.3% | 6.3% | ||
| Q1 24 | 0.9% | 5.2% |
每股收益（稀释后）NCNORGR
| Q4 25 | $0.06 | $0.22 | ||
| Q3 25 | $-0.13 | $0.10 | ||
| Q2 25 | $0.05 | $-1.05 | ||
| Q1 25 | $-0.15 | $0.46 | ||
| Q4 24 | $-0.05 | $0.62 | ||
| Q3 24 | $-0.10 | $0.28 | ||
| Q2 24 | $-0.03 | $0.47 | ||
| Q1 24 | $0.01 | $0.40 |
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 | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.0B | $283.8M |
| 总资产 | $1.6B | $342.0M |
| 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NCNORGR
| Q4 25 | $87.6M | $92.5M | ||
| Q3 25 | $122.9M | $80.8M | ||
| Q2 25 | $133.2M | $101.4M | ||
| Q1 25 | $120.9M | $108.3M | ||
| Q4 24 | $257.9M | $105.5M | ||
| Q3 24 | $121.4M | $96.0M | ||
| Q2 24 | $129.5M | $105.6M | ||
| Q1 24 | $112.1M | $115.3M |
股东权益NCNORGR
| Q4 25 | $1.0B | $283.8M | ||
| Q3 25 | $1.1B | $279.6M | ||
| Q2 25 | $1.1B | $289.3M | ||
| Q1 25 | $1.1B | $321.5M | ||
| Q4 24 | $1.1B | $319.6M | ||
| Q3 24 | $1.1B | $314.9M | ||
| Q2 24 | $1.1B | $321.5M | ||
| Q1 24 | $1.0B | $332.0M |
总资产NCNORGR
| Q4 25 | $1.6B | $342.0M | ||
| Q3 25 | $1.6B | $342.3M | ||
| Q2 25 | $1.7B | $349.5M | ||
| Q1 25 | $1.6B | $379.0M | ||
| Q4 24 | $1.5B | $384.0M | ||
| Q3 24 | $1.4B | $373.5M | ||
| Q2 24 | $1.4B | $376.7M | ||
| Q1 24 | $1.3B | $385.0M |
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 | $15.5M |
| 自由现金流经营现金流 - 资本支出 | $4.9M | $12.3M |
| 自由现金流率自由现金流/营收 | 3.2% | 8.2% |
| 资本支出强度资本支出/营收 | 0.1% | 2.1% |
| 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 | $38.5M |
8季度趋势，按日历期对齐
经营现金流NCNORGR
| Q4 25 | $5.1M | $15.5M | ||
| Q3 25 | $17.7M | $12.9M | ||
| Q2 25 | $54.3M | $14.7M | ||
| Q1 25 | $-10.0M | $11.1M | ||
| Q4 24 | $5.8M | $20.0M | ||
| Q3 24 | $5.0M | $9.4M | ||
| Q2 24 | $54.4M | $18.7M | ||
| Q1 24 | $8.1M | $7.3M |
自由现金流NCNORGR
| Q4 25 | $4.9M | $12.3M | ||
| Q3 25 | $12.6M | $7.0M | ||
| Q2 25 | $52.6M | $9.1M | ||
| Q1 25 | $-10.4M | $10.0M | ||
| Q4 24 | $5.1M | $16.4M | ||
| Q3 24 | $4.6M | $2.6M | ||
| Q2 24 | $54.1M | $10.1M | ||
| Q1 24 | $7.7M | $5.6M |
自由现金流率NCNORGR
| Q4 25 | 3.2% | 8.2% | ||
| Q3 25 | 8.5% | 5.5% | ||
| Q2 25 | 36.5% | 6.9% | ||
| Q1 25 | -7.3% | 7.4% | ||
| Q4 24 | 3.7% | 11.2% | ||
| Q3 24 | 3.4% | 2.1% | ||
| Q2 24 | 42.2% | 7.7% | ||
| Q1 24 | 6.2% | 4.1% |
资本支出强度NCNORGR
| Q4 25 | 0.1% | 2.1% | ||
| Q3 25 | 3.5% | 4.6% | ||
| Q2 25 | 1.2% | 4.2% | ||
| Q1 25 | 0.2% | 0.8% | ||
| Q4 24 | 0.5% | 2.5% | ||
| Q3 24 | 0.3% | 5.5% | ||
| Q2 24 | 0.3% | 6.6% | ||
| Q1 24 | 0.3% | 1.3% |
现金转化率NCNORGR
| Q4 25 | 0.78× | — | ||
| Q3 25 | — | 8.15× | ||
| Q2 25 | 9.77× | — | ||
| Q1 25 | — | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.98× | ||
| Q2 24 | — | 2.27× | ||
| Q1 24 | 7.02× | 1.04× |
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% |
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
