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nCino, Inc.（NCNO）与GIBRALTAR INDUSTRIES, INC.（ROCK）财务数据对比。点击上方公司名可切换其他公司
GIBRALTAR INDUSTRIES, INC.的季度营收约是nCino, Inc.的1.5倍（$225.0M vs $152.2M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 9.6%），GIBRALTAR INDUSTRIES, INC.自由现金流更多（$26.2M vs $4.9M），过去两年nCino, Inc.的营收复合增速更高（10.9% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
NCNO vs ROCK — 直观对比
营收规模更大
ROCK
是对方的1.5倍
$152.2M
营收增速更快
ROCK
高出15.3%
9.6%
自由现金流更多
ROCK
多$21.3M
$4.9M
两年增速更快
NCNO
近两年复合增速
-12.3%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $152.2M | $225.0M |
| 净利润 | $6.5M | — |
| 毛利率 | 61.6% | 25.3% |
| 营业利润率 | 7.7% | 7.9% |
| 净利率 | 4.3% | — |
| 营收同比 | 9.6% | 24.9% |
| 净利润同比 | 224.5% | — |
| 每股收益（稀释后） | $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NCNOROCK
| Q4 25 | $152.2M | $225.0M | ||
| Q3 25 | $148.8M | $310.9M | ||
| Q2 25 | $144.1M | $309.5M | ||
| Q1 25 | $141.4M | $290.0M | ||
| Q4 24 | $138.8M | $180.1M | ||
| Q3 24 | $132.4M | $277.1M | ||
| Q2 24 | $128.1M | $273.6M | ||
| Q1 24 | $123.7M | $292.5M |
净利润NCNOROCK
| Q4 25 | $6.5M | — | ||
| Q3 25 | $-15.3M | $-89.1M | ||
| Q2 25 | $5.6M | $26.0M | ||
| Q1 25 | $-18.6M | $21.1M | ||
| Q4 24 | $-5.3M | — | ||
| Q3 24 | $-11.0M | $34.0M | ||
| Q2 24 | $-3.0M | $32.2M | ||
| Q1 24 | $1.2M | $24.9M |
毛利率NCNOROCK
| Q4 25 | 61.6% | 25.3% | ||
| Q3 25 | 59.2% | 26.6% | ||
| Q2 25 | 60.0% | 28.4% | ||
| Q1 25 | 59.7% | 26.8% | ||
| Q4 24 | 61.3% | 29.0% | ||
| Q3 24 | 59.3% | 29.4% | ||
| Q2 24 | 60.0% | 30.5% | ||
| Q1 24 | 60.2% | 28.9% |
营业利润率NCNOROCK
| Q4 25 | 7.7% | 7.9% | ||
| Q3 25 | -6.2% | 12.8% | ||
| Q2 25 | -1.0% | 12.8% | ||
| Q1 25 | -4.1% | 8.8% | ||
| Q4 24 | -0.6% | 13.3% | ||
| Q3 24 | -6.0% | 15.6% | ||
| Q2 24 | -2.9% | 14.9% | ||
| Q1 24 | -2.6% | 10.8% |
净利率NCNOROCK
| Q4 25 | 4.3% | — | ||
| Q3 25 | -10.3% | -28.6% | ||
| Q2 25 | 3.9% | 8.4% | ||
| Q1 25 | -13.2% | 7.3% | ||
| Q4 24 | -3.8% | — | ||
| Q3 24 | -8.3% | 12.3% | ||
| Q2 24 | -2.3% | 11.8% | ||
| Q1 24 | 0.9% | 8.5% |
每股收益（稀释后）NCNOROCK
| Q4 25 | $0.06 | — | ||
| Q3 25 | $-0.13 | $-2.98 | ||
| Q2 25 | $0.05 | $0.87 | ||
| Q1 25 | $-0.15 | — | ||
| Q4 24 | $-0.05 | — | ||
| Q3 24 | $-0.10 | $1.11 | ||
| Q2 24 | $-0.03 | $1.05 | ||
| Q1 24 | $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 | $87.6M | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $1.0B | $950.4M |
| 总资产 | $1.6B | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资NCNOROCK
| Q4 25 | $87.6M | $115.7M | ||
| Q3 25 | $122.9M | $89.4M | ||
| Q2 25 | $133.2M | $43.3M | ||
| Q1 25 | $120.9M | $25.1M | ||
| Q4 24 | $257.9M | $269.5M | ||
| Q3 24 | $121.4M | $228.9M | ||
| Q2 24 | $129.5M | $179.1M | ||
| Q1 24 | $112.1M | $146.7M |
总债务NCNOROCK
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益NCNOROCK
| Q4 25 | $1.0B | $950.4M | ||
| Q3 25 | $1.1B | $951.8M | ||
| Q2 25 | $1.1B | $1.0B | ||
| Q1 25 | $1.1B | $1.0B | ||
| Q4 24 | $1.1B | $1.0B | ||
| Q3 24 | $1.1B | $1.0B | ||
| Q2 24 | $1.1B | $975.7M | ||
| Q1 24 | $1.0B | $940.2M |
总资产NCNOROCK
| Q4 25 | $1.6B | $1.4B | ||
| Q3 25 | $1.6B | $1.4B | ||
| Q2 25 | $1.7B | $1.5B | ||
| Q1 25 | $1.6B | $1.4B | ||
| Q4 24 | $1.5B | $1.4B | ||
| Q3 24 | $1.4B | $1.4B | ||
| Q2 24 | $1.4B | $1.4B | ||
| Q1 24 | $1.3B | $1.3B |
负债/权益比NCNOROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.00× |
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 | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $4.9M | $26.2M |
| 自由现金流率自由现金流/营收 | 3.2% | 11.7% |
| 资本支出强度资本支出/营收 | 0.1% | 4.1% |
| 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 | $120.6M |
8季度趋势，按日历期对齐
经营现金流NCNOROCK
| Q4 25 | $5.1M | $35.5M | ||
| Q3 25 | $17.7M | $73.0M | ||
| Q2 25 | $54.3M | $44.9M | ||
| Q1 25 | $-10.0M | $13.7M | ||
| Q4 24 | $5.8M | $19.9M | ||
| Q3 24 | $5.0M | $64.7M | ||
| Q2 24 | $54.4M | $36.5M | ||
| Q1 24 | $8.1M | $53.2M |
自由现金流NCNOROCK
| Q4 25 | $4.9M | $26.2M | ||
| Q3 25 | $12.6M | $64.8M | ||
| Q2 25 | $52.6M | $27.3M | ||
| Q1 25 | $-10.4M | $2.3M | ||
| Q4 24 | $5.1M | $14.1M | ||
| Q3 24 | $4.6M | $60.5M | ||
| Q2 24 | $54.1M | $33.5M | ||
| Q1 24 | $7.7M | $48.8M |
自由现金流率NCNOROCK
| Q4 25 | 3.2% | 11.7% | ||
| Q3 25 | 8.5% | 20.8% | ||
| Q2 25 | 36.5% | 8.8% | ||
| Q1 25 | -7.3% | 0.8% | ||
| Q4 24 | 3.7% | 7.8% | ||
| Q3 24 | 3.4% | 21.8% | ||
| Q2 24 | 42.2% | 12.2% | ||
| Q1 24 | 6.2% | 16.7% |
资本支出强度NCNOROCK
| Q4 25 | 0.1% | 4.1% | ||
| Q3 25 | 3.5% | 2.6% | ||
| Q2 25 | 1.2% | 5.7% | ||
| Q1 25 | 0.2% | 3.9% | ||
| Q4 24 | 0.5% | 3.3% | ||
| Q3 24 | 0.3% | 1.5% | ||
| Q2 24 | 0.3% | 1.1% | ||
| Q1 24 | 0.3% | 1.5% |
现金转化率NCNOROCK
| Q4 25 | 0.78× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 9.77× | 1.73× | ||
| Q1 25 | — | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.90× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | 7.02× | 2.13× |
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% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
