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nCino, Inc.（NCNO）与BRC Group Holdings, Inc.（RILY）财务数据对比。点击上方公司名可切换其他公司
BRC Group Holdings, Inc.的季度营收约是nCino, Inc.的1.2倍（$188.3M vs $152.2M），BRC Group Holdings, Inc.净利率更高（47.9% vs 4.3%，领先43.6%），nCino, Inc.同比增速更快（9.6% vs -21.9%），过去两年nCino, Inc.的营收复合增速更高（10.9% vs -15.4%）
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。
NCNO vs RILY — 直观对比
营收规模更大
RILY
是对方的1.2倍
$152.2M
营收增速更快
NCNO
高出31.5%
-21.9%
净利率更高
RILY
高出43.6%
4.3%
两年增速更快
NCNO
近两年复合增速
-15.4%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $152.2M | $188.3M |
| 净利润 | $6.5M | $90.3M |
| 毛利率 | 61.6% | 79.5% |
| 营业利润率 | 7.7% | 32.3% |
| 净利率 | 4.3% | 47.9% |
| 营收同比 | 9.6% | -21.9% |
| 净利润同比 | 224.5% | 1710.8% |
| 每股收益（稀释后） | $0.06 | $2.78 |
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NCNORILY
| Q4 25 | $152.2M | $188.3M | ||
| Q3 25 | $148.8M | $215.3M | ||
| Q2 25 | $144.1M | $188.2M | ||
| Q1 25 | $141.4M | $197.2M | ||
| Q4 24 | $138.8M | $241.0M | ||
| Q3 24 | $132.4M | $225.5M | ||
| Q2 24 | $128.1M | $256.0M | ||
| Q1 24 | $123.7M | $263.4M |
净利润NCNORILY
| Q4 25 | $6.5M | $90.3M | ||
| Q3 25 | $-15.3M | $91.1M | ||
| Q2 25 | $5.6M | $139.5M | ||
| Q1 25 | $-18.6M | $-10.0M | ||
| Q4 24 | $-5.3M | $-5.6M | ||
| Q3 24 | $-11.0M | $-284.4M | ||
| Q2 24 | $-3.0M | $-433.6M | ||
| Q1 24 | $1.2M | $-49.2M |
毛利率NCNORILY
| Q4 25 | 61.6% | 79.5% | ||
| Q3 25 | 59.2% | 83.7% | ||
| Q2 25 | 60.0% | 81.3% | ||
| Q1 25 | 59.7% | 81.4% | ||
| Q4 24 | 61.3% | 79.8% | ||
| Q3 24 | 59.3% | 82.1% | ||
| Q2 24 | 60.0% | 84.5% | ||
| Q1 24 | 60.2% | 85.3% |
营业利润率NCNORILY
| Q4 25 | 7.7% | 32.3% | ||
| Q3 25 | -6.2% | 30.4% | ||
| Q2 25 | -1.0% | 5.7% | ||
| Q1 25 | -4.1% | -31.2% | ||
| Q4 24 | -0.6% | -69.2% | ||
| Q3 24 | -6.0% | -36.4% | ||
| Q2 24 | -2.9% | -90.8% | ||
| Q1 24 | -2.6% | -6.1% |
净利率NCNORILY
| Q4 25 | 4.3% | 47.9% | ||
| Q3 25 | -10.3% | 42.3% | ||
| Q2 25 | 3.9% | 74.1% | ||
| Q1 25 | -13.2% | -5.1% | ||
| Q4 24 | -3.8% | -2.3% | ||
| Q3 24 | -8.3% | -126.1% | ||
| Q2 24 | -2.3% | -169.4% | ||
| Q1 24 | 0.9% | -18.7% |
每股收益（稀释后）NCNORILY
| Q4 25 | $0.06 | $2.78 | ||
| Q3 25 | $-0.13 | $2.91 | ||
| Q2 25 | $0.05 | $4.50 | ||
| Q1 25 | $-0.15 | $-0.39 | ||
| Q4 24 | $-0.05 | $-0.01 | ||
| Q3 24 | $-0.10 | $-9.39 | ||
| Q2 24 | $-0.03 | $-14.35 | ||
| Q1 24 | $0.01 | $-1.71 |
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 | $226.6M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $1.0B | $-171.5M |
| 总资产 | $1.6B | $1.7B |
| 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NCNORILY
| Q4 25 | $87.6M | $226.6M | ||
| Q3 25 | $122.9M | $184.2M | ||
| Q2 25 | $133.2M | $267.4M | ||
| Q1 25 | $120.9M | $138.3M | ||
| Q4 24 | $257.9M | $146.9M | ||
| Q3 24 | $121.4M | $159.2M | ||
| Q2 24 | $129.5M | $236.9M | ||
| Q1 24 | $112.1M | $190.7M |
总债务NCNORILY
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益NCNORILY
| Q4 25 | $1.0B | $-171.5M | ||
| Q3 25 | $1.1B | $-260.5M | ||
| Q2 25 | $1.1B | $-351.7M | ||
| Q1 25 | $1.1B | $-496.8M | ||
| Q4 24 | $1.1B | $-488.2M | ||
| Q3 24 | $1.1B | $-497.6M | ||
| Q2 24 | $1.1B | $-218.3M | ||
| Q1 24 | $1.0B | $228.4M |
总资产NCNORILY
| Q4 25 | $1.6B | $1.7B | ||
| Q3 25 | $1.6B | $1.7B | ||
| Q2 25 | $1.7B | $1.5B | ||
| Q1 25 | $1.6B | $1.5B | ||
| Q4 24 | $1.5B | $1.8B | ||
| Q3 24 | $1.4B | $2.2B | ||
| Q2 24 | $1.4B | $3.2B | ||
| Q1 24 | $1.3B | $5.0B |
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 | $26.2M |
| 自由现金流经营现金流 - 资本支出 | $4.9M | — |
| 自由现金流率自由现金流/营收 | 3.2% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | 0.78× | 0.29× |
| 过去12个月自由现金流最近4个季度 | $59.7M | — |
8季度趋势，按日历期对齐
经营现金流NCNORILY
| Q4 25 | $5.1M | $26.2M | ||
| Q3 25 | $17.7M | $-60.6M | ||
| Q2 25 | $54.3M | $-25.6M | ||
| Q1 25 | $-10.0M | $184.0K | ||
| Q4 24 | $5.8M | $-2.7M | ||
| Q3 24 | $5.0M | $19.5M | ||
| Q2 24 | $54.4M | $111.5M | ||
| Q1 24 | $8.1M | $135.4M |
自由现金流NCNORILY
| Q4 25 | $4.9M | — | ||
| Q3 25 | $12.6M | — | ||
| Q2 25 | $52.6M | — | ||
| Q1 25 | $-10.4M | — | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $4.6M | — | ||
| Q2 24 | $54.1M | — | ||
| Q1 24 | $7.7M | — |
自由现金流率NCNORILY
| Q4 25 | 3.2% | — | ||
| Q3 25 | 8.5% | — | ||
| Q2 25 | 36.5% | — | ||
| Q1 25 | -7.3% | — | ||
| Q4 24 | 3.7% | — | ||
| Q3 24 | 3.4% | — | ||
| Q2 24 | 42.2% | — | ||
| Q1 24 | 6.2% | — |
资本支出强度NCNORILY
| Q4 25 | 0.1% | — | ||
| Q3 25 | 3.5% | — | ||
| Q2 25 | 1.2% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 0.5% | — | ||
| Q3 24 | 0.3% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 0.3% | — |
现金转化率NCNORILY
| Q4 25 | 0.78× | 0.29× | ||
| Q3 25 | — | -0.66× | ||
| Q2 25 | 9.77× | -0.18× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 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
NCNO
| License And Service | $133.4M | 88% |
| Professional Services | $18.8M | 12% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
