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nCino, Inc.（NCNO）与Rocket Lab Corp（RKLB）财务数据对比。点击上方公司名可切换其他公司
Rocket Lab Corp的季度营收约是nCino, Inc.的1.2倍（$179.7M vs $152.2M），nCino, Inc.净利率更高（4.3% vs -29.5%，领先33.8%），Rocket Lab Corp同比增速更快（35.7% vs 9.6%），nCino, Inc.自由现金流更多（$4.9M vs $-114.2M），过去两年Rocket Lab Corp的营收复合增速更高（39.2% vs 10.9%）
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。
Rocket Lab是公开上市的航空航天制造商及发射服务提供商，旗下Electron轨道火箭主打小型卫星发射，截至2026年1月已成功完成超75次任务，是全球现役发射次数最多的小型运载火箭。公司还开发了Electron的亚轨道改型HASTE用作高超音速技术测试平台，下一代可复用中型运载火箭Neutron目前也在研发中。
NCNO vs RKLB — 直观对比
营收规模更大
RKLB
是对方的1.2倍
$152.2M
营收增速更快
RKLB
高出26.1%
9.6%
净利率更高
NCNO
高出33.8%
-29.5%
自由现金流更多
NCNO
多$119.1M
$-114.2M
两年增速更快
RKLB
近两年复合增速
10.9%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $152.2M | $179.7M |
| 净利润 | $6.5M | $-52.9M |
| 毛利率 | 61.6% | 38.0% |
| 营业利润率 | 7.7% | -28.4% |
| 净利率 | 4.3% | -29.5% |
| 营收同比 | 9.6% | 35.7% |
| 净利润同比 | 224.5% | -1.1% |
| 每股收益（稀释后） | $0.06 | $-0.09 |
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NCNORKLB
| Q4 25 | $152.2M | $179.7M | ||
| Q3 25 | $148.8M | $155.1M | ||
| Q2 25 | $144.1M | $144.5M | ||
| Q1 25 | $141.4M | $122.6M | ||
| Q4 24 | $138.8M | $132.4M | ||
| Q3 24 | $132.4M | $104.8M | ||
| Q2 24 | $128.1M | $106.3M | ||
| Q1 24 | $123.7M | $92.8M |
净利润NCNORKLB
| Q4 25 | $6.5M | $-52.9M | ||
| Q3 25 | $-15.3M | $-18.3M | ||
| Q2 25 | $5.6M | $-66.4M | ||
| Q1 25 | $-18.6M | $-60.6M | ||
| Q4 24 | $-5.3M | $-52.3M | ||
| Q3 24 | $-11.0M | $-51.9M | ||
| Q2 24 | $-3.0M | $-41.6M | ||
| Q1 24 | $1.2M | $-44.3M |
毛利率NCNORKLB
| Q4 25 | 61.6% | 38.0% | ||
| Q3 25 | 59.2% | 37.0% | ||
| Q2 25 | 60.0% | 32.1% | ||
| Q1 25 | 59.7% | 28.8% | ||
| Q4 24 | 61.3% | 27.8% | ||
| Q3 24 | 59.3% | 26.7% | ||
| Q2 24 | 60.0% | 25.6% | ||
| Q1 24 | 60.2% | 26.1% |
营业利润率NCNORKLB
| Q4 25 | 7.7% | -28.4% | ||
| Q3 25 | -6.2% | -38.0% | ||
| Q2 25 | -1.0% | -41.3% | ||
| Q1 25 | -4.1% | -48.3% | ||
| Q4 24 | -0.6% | -38.9% | ||
| Q3 24 | -6.0% | -49.5% | ||
| Q2 24 | -2.9% | -40.7% | ||
| Q1 24 | -2.6% | -46.4% |
净利率NCNORKLB
| Q4 25 | 4.3% | -29.5% | ||
| Q3 25 | -10.3% | -11.8% | ||
| Q2 25 | 3.9% | -46.0% | ||
| Q1 25 | -13.2% | -49.5% | ||
| Q4 24 | -3.8% | -39.5% | ||
| Q3 24 | -8.3% | -49.6% | ||
| Q2 24 | -2.3% | -39.2% | ||
| Q1 24 | 0.9% | -47.7% |
每股收益（稀释后）NCNORKLB
| Q4 25 | $0.06 | $-0.09 | ||
| Q3 25 | $-0.13 | $-0.03 | ||
| Q2 25 | $0.05 | $-0.13 | ||
| Q1 25 | $-0.15 | $-0.12 | ||
| Q4 24 | $-0.05 | $-0.11 | ||
| Q3 24 | $-0.10 | $-0.10 | ||
| Q2 24 | $-0.03 | $-0.08 | ||
| Q1 24 | $0.01 | $-0.09 |
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 | $1.0B |
| 总债务越低越好 | — | $152.4M |
| 股东权益账面价值 | $1.0B | $1.7B |
| 总资产 | $1.6B | $2.3B |
| 负债/权益比越低杠杆越低 | — | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资NCNORKLB
| Q4 25 | $87.6M | $1.0B | ||
| Q3 25 | $122.9M | $976.7M | ||
| Q2 25 | $133.2M | $688.1M | ||
| Q1 25 | $120.9M | $428.4M | ||
| Q4 24 | $257.9M | $419.0M | ||
| Q3 24 | $121.4M | $442.4M | ||
| Q2 24 | $129.5M | $496.8M | ||
| Q1 24 | $112.1M | $492.5M |
总债务NCNORKLB
| Q4 25 | — | $152.4M | ||
| Q3 25 | — | $347.0M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $345.9M | ||
| Q4 24 | — | $345.4M | ||
| Q3 24 | — | $61.2M | ||
| Q2 24 | — | $64.2M | ||
| Q1 24 | — | $66.8M |
股东权益NCNORKLB
| Q4 25 | $1.0B | $1.7B | ||
| Q3 25 | $1.1B | $1.3B | ||
| Q2 25 | $1.1B | $688.5M | ||
| Q1 25 | $1.1B | $431.3M | ||
| Q4 24 | $1.1B | $382.5M | ||
| Q3 24 | $1.1B | $419.8M | ||
| Q2 24 | $1.1B | $455.2M | ||
| Q1 24 | $1.0B | $478.9M |
总资产NCNORKLB
| Q4 25 | $1.6B | $2.3B | ||
| Q3 25 | $1.6B | $2.2B | ||
| Q2 25 | $1.7B | $1.6B | ||
| Q1 25 | $1.6B | $1.3B | ||
| Q4 24 | $1.5B | $1.2B | ||
| Q3 24 | $1.4B | $1.2B | ||
| Q2 24 | $1.4B | $1.2B | ||
| Q1 24 | $1.3B | $1.2B |
负债/权益比NCNORKLB
| Q4 25 | — | 0.09× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.50× | ||
| Q1 25 | — | 0.80× | ||
| Q4 24 | — | 0.90× | ||
| Q3 24 | — | 0.15× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.14× |
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 | $-64.5M |
| 自由现金流经营现金流 - 资本支出 | $4.9M | $-114.2M |
| 自由现金流率自由现金流/营收 | 3.2% | -63.6% |
| 资本支出强度资本支出/营收 | 0.1% | 27.6% |
| 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 | $-321.8M |
8季度趋势，按日历期对齐
经营现金流NCNORKLB
| Q4 25 | $5.1M | $-64.5M | ||
| Q3 25 | $17.7M | $-23.5M | ||
| Q2 25 | $54.3M | $-23.2M | ||
| Q1 25 | $-10.0M | $-54.2M | ||
| Q4 24 | $5.8M | $-2.4M | ||
| Q3 24 | $5.0M | $-30.9M | ||
| Q2 24 | $54.4M | $-13.0M | ||
| Q1 24 | $8.1M | $-2.6M |
自由现金流NCNORKLB
| Q4 25 | $4.9M | $-114.2M | ||
| Q3 25 | $12.6M | $-69.4M | ||
| Q2 25 | $52.6M | $-55.3M | ||
| Q1 25 | $-10.4M | $-82.9M | ||
| Q4 24 | $5.1M | $-23.9M | ||
| Q3 24 | $4.6M | $-41.9M | ||
| Q2 24 | $54.1M | $-28.3M | ||
| Q1 24 | $7.7M | $-21.8M |
自由现金流率NCNORKLB
| Q4 25 | 3.2% | -63.6% | ||
| Q3 25 | 8.5% | -44.8% | ||
| Q2 25 | 36.5% | -38.3% | ||
| Q1 25 | -7.3% | -67.6% | ||
| Q4 24 | 3.7% | -18.1% | ||
| Q3 24 | 3.4% | -40.0% | ||
| Q2 24 | 42.2% | -26.7% | ||
| Q1 24 | 6.2% | -23.5% |
资本支出强度NCNORKLB
| Q4 25 | 0.1% | 27.6% | ||
| Q3 25 | 3.5% | 29.6% | ||
| Q2 25 | 1.2% | 22.2% | ||
| Q1 25 | 0.2% | 23.4% | ||
| Q4 24 | 0.5% | 16.3% | ||
| Q3 24 | 0.3% | 10.5% | ||
| Q2 24 | 0.3% | 14.4% | ||
| Q1 24 | 0.3% | 20.7% |
现金转化率NCNORKLB
| Q4 25 | 0.78× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 9.77× | — | ||
| 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% |
RKLB
| Products | $94.0M | 52% |
| Transferred Over Time | $87.3M | 49% |
