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nCino, Inc.（NCNO）与Xenia Hotels & Resorts, Inc.（XHR）财务数据对比。点击上方公司名可切换其他公司
Xenia Hotels & Resorts, Inc.的季度营收约是nCino, Inc.的1.7倍（$265.6M vs $152.2M），nCino, Inc.净利率更高（4.3% vs 2.3%，领先2.0%），nCino, Inc.同比增速更快（9.6% vs 1.4%），Xenia Hotels & Resorts, Inc.自由现金流更多（$5.5M vs $4.9M），过去两年nCino, Inc.的营收复合增速更高（10.9% vs -0.4%）
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。
谢尼亚酒店度假村是一家专注于酒店投资领域的房地产投资信托公司，截至2024年12月31日，公司旗下拥有31家酒店，总计客房数量达9408间，业务聚焦酒店类不动产的投资与运营管理。
NCNO vs XHR — 直观对比
营收规模更大
XHR
是对方的1.7倍
$152.2M
营收增速更快
NCNO
高出8.2%
1.4%
净利率更高
NCNO
高出2.0%
2.3%
自由现金流更多
XHR
多$588.0K
$4.9M
两年增速更快
NCNO
近两年复合增速
-0.4%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $152.2M | $265.6M |
| 净利润 | $6.5M | $6.1M |
| 毛利率 | 61.6% | 30.4% |
| 营业利润率 | 7.7% | 10.1% |
| 净利率 | 4.3% | 2.3% |
| 营收同比 | 9.6% | 1.4% |
| 净利润同比 | 224.5% | 1053.6% |
| 每股收益（稀释后） | $0.06 | $0.07 |
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NCNOXHR
| Q4 25 | $152.2M | $265.6M | ||
| Q3 25 | $148.8M | $236.4M | ||
| Q2 25 | $144.1M | $287.6M | ||
| Q1 25 | $141.4M | $288.9M | ||
| Q4 24 | $138.8M | $261.8M | ||
| Q3 24 | $132.4M | $236.8M | ||
| Q2 24 | $128.1M | $272.9M | ||
| Q1 24 | $123.7M | $267.5M |
净利润NCNOXHR
| Q4 25 | $6.5M | $6.1M | ||
| Q3 25 | $-15.3M | $-13.7M | ||
| Q2 25 | $5.6M | $55.2M | ||
| Q1 25 | $-18.6M | $15.6M | ||
| Q4 24 | $-5.3M | $-638.0K | ||
| Q3 24 | $-11.0M | $-7.1M | ||
| Q2 24 | $-3.0M | $15.3M | ||
| Q1 24 | $1.2M | $8.5M |
毛利率NCNOXHR
| Q4 25 | 61.6% | 30.4% | ||
| Q3 25 | 59.2% | 25.1% | ||
| Q2 25 | 60.0% | 33.6% | ||
| Q1 25 | 59.7% | 32.3% | ||
| Q4 24 | 61.3% | 29.0% | ||
| Q3 24 | 59.3% | 25.8% | ||
| Q2 24 | 60.0% | 31.9% | ||
| Q1 24 | 60.2% | 31.6% |
营业利润率NCNOXHR
| Q4 25 | 7.7% | 10.1% | ||
| Q3 25 | -6.2% | 2.0% | ||
| Q2 25 | -1.0% | 14.0% | ||
| Q1 25 | -4.1% | 12.4% | ||
| Q4 24 | -0.6% | 8.2% | ||
| Q3 24 | -6.0% | 3.2% | ||
| Q2 24 | -2.9% | 11.1% | ||
| Q1 24 | -2.6% | 10.3% |
净利率NCNOXHR
| Q4 25 | 4.3% | 2.3% | ||
| Q3 25 | -10.3% | -5.8% | ||
| Q2 25 | 3.9% | 19.2% | ||
| Q1 25 | -13.2% | 5.4% | ||
| Q4 24 | -3.8% | -0.2% | ||
| Q3 24 | -8.3% | -3.0% | ||
| Q2 24 | -2.3% | 5.6% | ||
| Q1 24 | 0.9% | 3.2% |
每股收益（稀释后）NCNOXHR
| Q4 25 | $0.06 | $0.07 | ||
| Q3 25 | $-0.13 | $-0.14 | ||
| Q2 25 | $0.05 | $0.56 | ||
| Q1 25 | $-0.15 | $0.15 | ||
| Q4 24 | $-0.05 | $-0.01 | ||
| Q3 24 | $-0.10 | $-0.07 | ||
| Q2 24 | $-0.03 | $0.15 | ||
| 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 | $140.4M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $1.0B | $1.1B |
| 总资产 | $1.6B | $2.8B |
| 负债/权益比越低杠杆越低 | — | 1.25× |
8季度趋势，按日历期对齐
现金及短期投资NCNOXHR
| Q4 25 | $87.6M | $140.4M | ||
| Q3 25 | $122.9M | $188.2M | ||
| Q2 25 | $133.2M | $172.6M | ||
| Q1 25 | $120.9M | $112.6M | ||
| Q4 24 | $257.9M | $78.2M | ||
| Q3 24 | $121.4M | $161.5M | ||
| Q2 24 | $129.5M | $143.6M | ||
| Q1 24 | $112.1M | $140.1M |
总债务NCNOXHR
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.4B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.4B | ||
| Q1 24 | — | $1.4B |
股东权益NCNOXHR
| Q4 25 | $1.0B | $1.1B | ||
| Q3 25 | $1.1B | $1.2B | ||
| Q2 25 | $1.1B | $1.2B | ||
| Q1 25 | $1.1B | $1.2B | ||
| Q4 24 | $1.1B | $1.2B | ||
| Q3 24 | $1.1B | $1.3B | ||
| Q2 24 | $1.1B | $1.3B | ||
| Q1 24 | $1.0B | $1.3B |
总资产NCNOXHR
| Q4 25 | $1.6B | $2.8B | ||
| Q3 25 | $1.6B | $2.9B | ||
| Q2 25 | $1.7B | $2.9B | ||
| Q1 25 | $1.6B | $2.9B | ||
| Q4 24 | $1.5B | $2.8B | ||
| Q3 24 | $1.4B | $2.9B | ||
| Q2 24 | $1.4B | $2.9B | ||
| Q1 24 | $1.3B | $2.9B |
负债/权益比NCNOXHR
| Q4 25 | — | 1.25× | ||
| Q3 25 | — | 1.21× | ||
| Q2 25 | — | 1.17× | ||
| Q1 25 | — | 1.18× | ||
| Q4 24 | — | 1.07× | ||
| Q3 24 | — | 1.11× | ||
| Q2 24 | — | 1.09× | ||
| Q1 24 | — | 1.09× |
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 | $21.4M |
| 自由现金流经营现金流 - 资本支出 | $4.9M | $5.5M |
| 自由现金流率自由现金流/营收 | 3.2% | 2.1% |
| 资本支出强度资本支出/营收 | 0.1% | 6.0% |
| 现金转化率经营现金流/净利润 | 0.78× | 3.52× |
| 过去12个月自由现金流最近4个季度 | $59.7M | $89.9M |
8季度趋势，按日历期对齐
经营现金流NCNOXHR
| Q4 25 | $5.1M | $21.4M | ||
| Q3 25 | $17.7M | $64.0M | ||
| Q2 25 | $54.3M | $36.3M | ||
| Q1 25 | $-10.0M | $54.8M | ||
| Q4 24 | $5.8M | $30.6M | ||
| Q3 24 | $5.0M | $51.2M | ||
| Q2 24 | $54.4M | $57.2M | ||
| Q1 24 | $8.1M | $24.7M |
自由现金流NCNOXHR
| Q4 25 | $4.9M | $5.5M | ||
| Q3 25 | $12.6M | $44.2M | ||
| Q2 25 | $52.6M | $17.8M | ||
| Q1 25 | $-10.4M | $22.4M | ||
| Q4 24 | $5.1M | $6.2M | ||
| Q3 24 | $4.6M | $4.3M | ||
| Q2 24 | $54.1M | $21.4M | ||
| Q1 24 | $7.7M | $-8.7M |
自由现金流率NCNOXHR
| Q4 25 | 3.2% | 2.1% | ||
| Q3 25 | 8.5% | 18.7% | ||
| Q2 25 | 36.5% | 6.2% | ||
| Q1 25 | -7.3% | 7.8% | ||
| Q4 24 | 3.7% | 2.4% | ||
| Q3 24 | 3.4% | 1.8% | ||
| Q2 24 | 42.2% | 7.8% | ||
| Q1 24 | 6.2% | -3.3% |
资本支出强度NCNOXHR
| Q4 25 | 0.1% | 6.0% | ||
| Q3 25 | 3.5% | 8.4% | ||
| Q2 25 | 1.2% | 6.4% | ||
| Q1 25 | 0.2% | 11.2% | ||
| Q4 24 | 0.5% | 9.3% | ||
| Q3 24 | 0.3% | 19.8% | ||
| Q2 24 | 0.3% | 13.1% | ||
| Q1 24 | 0.3% | 12.5% |
现金转化率NCNOXHR
| Q4 25 | 0.78× | 3.52× | ||
| Q3 25 | — | — | ||
| Q2 25 | 9.77× | 0.66× | ||
| Q1 25 | — | 3.51× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.73× | ||
| Q1 24 | 7.02× | 2.90× |
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% |
XHR
| Other Geographic Areas | $79.1M | 30% |
| Orlando Florida | $35.5M | 13% |
| Phoenix Arizona | $32.4M | 12% |
| Houston Texas | $29.0M | 11% |
| San Diego California | $25.5M | 10% |
| Atlanta Georgia | $16.2M | 6% |
| San Francisco San Mateo California | $14.8M | 6% |
| Nashville TN | $11.7M | 4% |
| San Jose Santa Cruz CA | $10.5M | 4% |
| Hotel Other Direct | $6.6M | 2% |
