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nCino, Inc.(NCNO)Earnings, Financials & Key Ratios
NCNO•NASDAQ
$17.44
$2.07B mkt cap·Price updated May 6, 2026
AboutnCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.Show more
- Revenue$541M+13.5%
- EBITDA$18M+216.7%
- Net Income-$38M+10.6%
- EPS (Diluted)-0.33+13.2%
- Gross Margin60.07%+0.4%
- EBITDA Margin3.37%+179.1%
- Operating Margin-3.35%+59.6%
- Net Margin-7.01%+21.2%
- ROE-3.52%+13.5%
- ROIC-1.22%+57.6%
- Debt/Equity0.22+206.0%
- Interest Coverage-2.07+78.3%
NCNO Key Insights
nCino, Inc. (NCNO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y sales CAGR of 31.4%
✗Weaknesses
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
NCNO Price & Volume
nCino, Inc. (NCNO) stock price & volume — 10-year historical chart
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NCNO Growth Metrics
nCino, Inc. (NCNO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years31.37%
3 Years25.45%
TTM12.14%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-20.2%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-14.43%
Return on Capital
10 Years-14.18%
5 Years-6.82%
3 Years-3.77%
Last Year-1.46%
NCNO Recent Earnings
nCino, Inc. (NCNO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Mar 31, 2026EPS
$0.37
Est $0.21
+76.2%
Revenue
$150M
Est $148M
+1.2%
Q4 2025
Dec 3, 2025EPS
$0.31
Est $0.21
+50.0%
Revenue
$152M
Est $147M
+3.3%
Q3 2025
Aug 26, 2025EPS
$0.22
Est $0.14
+57.1%
Revenue
$149M
Est $147M
+1.0%
Q2 2025
May 28, 2025EPS
$0.16
Est $0.16
+0.0%
Revenue
$144M
Est $143M
+0.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 31, 2026 | $0.37vs $0.21+76.2% | $150Mvs $148M+1.2% |
| Q4 2025 | Dec 3, 2025 | $0.31vs $0.21+50.0% | $152Mvs $147M+3.3% |
| Q3 2025 | Aug 26, 2025 | $0.22vs $0.14+57.1% | $149Mvs $147M+1.0% |
| Q2 2025 | May 28, 2025 | $0.16vs $0.16+0.0% | $144Mvs $143M+0.7% |
Based on last 12 quarters of dataView full earnings history →
NCNO Peer Comparison
nCino, Inc. (NCNO) competitors in Financial services and insurance software — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 QTWO | 3.09B | 49.34 | 61.68 | 14.12% | 8.99% | 11.92% | 0.52 | |
 TOST | 14.81B | 28.31 | 50.55 | 24.05% | 5.56% | 16.1% | 0.02 | |
 ALKT | 1.79B | 16.75 | -36.41 | 32.89% | -10.55% | -13.96% | 0.98 | |
 ICE | 86.89B | 153.40 | 26.59 | 7.46% | 11.57% | 0.70 | ||
 FISV | 30.01B | 56.11 | 8.85 | 3.6% | 15.17% | 12.43% | 1.13 | |
 FIS | 23.81B | 45.97 | 61.29 | 5.43% | 3.51% | 2.75% | 0.29 | |
 JKHY | 10.34B | 142.88 | 22.90 | 7.21% | 20.59% | 23.75% | ||
 OPEN | 5.19B | 5.44 | -3.20 | -15.18% | -29.74% | -129.35% | 0.19 |
Compare NCNO vs Peers
nCino, Inc. (NCNO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NCNO Income Statement
nCino, Inc. (NCNO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jan'18 | Jan'19 | Jan'20 | Jan'21 | Jan'22 | Jan'23 | Jan'24 | Jan'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 58.14M | 91.53M | 138.18M | 204.29M | 273.87M | 273.87M | 476.54M | 540.66M | 586.49M |
| Revenue Growth % | - | 57.43% | 50.96% | 47.85% | 34.05% | 0% | 74.01% | 13.45% | 12.14% |
| Cost of Goods Sold | 30.47M | 46.45M | 64.07M | 88.14M | 111.41M | 111.41M | 191.47M | 215.87M | 233.88M |
| COGS % of Revenue | 52.41% | 50.75% | 46.37% | 43.14% | 40.68% | 40.68% | 40.18% | 39.93% | - |
| Gross Profit | 27.67M▲ 0% | 45.08M▲ 62.9% | 74.11M▲ 64.4% | 116.16M▲ 56.7% | 162.45M▲ 39.9% | 162.45M▲ 0.0% | 285.07M▲ 75.5% | 324.79M▲ 13.9% | 352.61M▲ 0% |
| Gross Margin % | 47.59% | 49.25% | 53.63% | 56.86% | 59.32% | 59.32% | 59.82% | 60.07% | 60.12% |
| Gross Profit Growth % | - | 62.93% | 64.39% | 56.74% | 39.85% | 0% | 75.48% | 13.93% | - |
| Operating Expenses | 46.45M | 68.3M | 102.28M | 158.77M | 233.81M | 233.81M | 324.58M | 342.92M | 357.44M |
| OpEx % of Revenue | 79.88% | 74.62% | 74.02% | 77.71% | 85.37% | 85.37% | 68.11% | 63.43% | - |
| Selling, General & Admin | 29.89M | 46.07M | 66.98M | 100.5M | 154.45M | 154.45M | 207.27M | 213.5M | 227.76M |
| SG&A % of Revenue | 51.4% | 50.33% | 48.47% | 49.2% | 56.39% | 56.39% | 43.5% | 39.49% | - |
| Research & Development | 16.56M | 22.23M | 35.3M | 58.26M | 79.36M | 79.36M | 117.31M | 129.42M | 129.68M |
| R&D % of Revenue | 28.48% | 24.29% | 25.55% | 28.52% | 28.98% | 28.98% | 24.62% | 23.94% | - |
| Other Operating Expenses | -24K | -89K | 33K | 0 | 0 | -1.28M | 0 | 0 | 0 |
| Operating Income | -18.77M▲ 0% | -23.22M▼ 23.7% | -28.17M▼ 21.3% | -42.61M▼ 51.3% | -71.36M▼ 67.5% | -71.36M▲ 0.0% | -39.51M▲ 44.6% | -18.13M▲ 54.1% | -4.83M▲ 0% |
| Operating Margin % | -32.29% | -25.36% | -20.39% | -20.86% | -26.06% | -26.06% | -8.29% | -3.35% | -0.82% |
| Operating Income Growth % | - | -23.65% | -21.34% | -51.25% | -67.47% | 0% | 44.63% | 54.11% | - |
| EBITDA | -17.8M | -21.76M | -23.56M | -35.18M | -61.35M | -32.87M | 5.75M | 18.21M | 26.79M |
| EBITDA Margin % | -30.62% | -23.77% | -17.05% | -17.22% | -22.4% | -12% | 1.21% | 3.37% | 4.57% |
| EBITDA Growth % | - | -22.2% | -8.29% | -49.3% | -74.41% | 46.43% | 117.5% | 216.66% | 11.77% |
| D&A (Non-Cash Add-back) | 970K | 1.46M | 4.61M | 7.43M | 10.01M | 38.49M | 45.26M | 36.34M | 31.62M |
| EBIT | -18.77M | -22.11M | -27.15M | -40.55M | -72.44M | -94.97M | -37.8M | -26.8M | -8.71M |
| Net Interest Income | 260K | 1.19M | 988K | 231K | -1.32M | -2.4M | -1.57M | -7M | -15.4M |
| Interest Income | 260K | 1.19M | 988K | 361K | 194K | 403K | 2.57M | 1.76M | 1.62M |
| Interest Expense | 0 | 0 | 0 | 130K | 1.51M | 2.81M | 4.13M | 8.76M | 17.03M |
| Other Income/Expense | 236K | 1.1M | 1.02M | 1.92M | -2.6M | -3.76M | -2.42M | -17.43M | -8.66M |
| Pretax Income | -18.54M▲ 0% | -22.11M▼ 19.3% | -27.15M▼ 22.8% | -40.68M▼ 49.9% | -73.95M▼ 81.8% | -73.95M▲ 0.0% | -41.94M▲ 43.3% | -35.56M▲ 15.2% | -13.49M▲ 0% |
| Pretax Margin % | -31.89% | -24.16% | -19.65% | -19.91% | -27% | -27% | -8.8% | -6.58% | -2.3% |
| Income Tax | 50K | 194K | 586K | 586K | -23.83M | -23.83M | 1.59M | -2.51M | 1.18M |
| Effective Tax Rate % | -0.27% | -0.88% | -2.16% | -1.44% | 32.23% | 32.23% | -3.79% | 7.06% | -8.73% |
| Net Income | -18.59M▲ 0% | -22.31M▼ 20.0% | -27.59M▼ 23.7% | -40.54M▼ 46.9% | -49.45M▼ 22.0% | -50.12M▼ 1.4% | -42.35M▲ 15.5% | -37.88M▲ 10.6% | -21.77M▲ 0% |
| Net Margin % | -31.97% | -24.37% | -19.97% | -19.84% | -18.05% | -18.3% | -8.89% | -7.01% | -3.71% |
| Net Income Growth % | - | -20% | -23.71% | -46.9% | -21.98% | -1.37% | 15.51% | 10.55% | -20.2% |
| Net Income (Continuing) | -18.59M | -22.31M | -27.73M | -41.27M | -50.12M | -101.84M | -43.53M | -33.05M | -23.28M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 4.36M | 3.79M | 2.88M | 3.59M | 3.43M | 8.29M | 12.44M |
| EPS (Diluted) | -0.21▲ 0% | -0.25▼ 19.0% | -0.31▼ 24.0% | -0.46▼ 49.1% | -0.51▼ 10.6% | -0.45▲ 12.0% | -0.38▲ 15.6% | -0.33▲ 13.2% | -0.19▲ 0% |
| EPS Growth % | - | -19.05% | -24% | -49.14% | -10.57% | 11.97% | 15.56% | 13.16% | -14.43% |
| EPS (Basic) | -0.21 | -0.25 | -0.31 | -0.46 | -0.51 | -0.45 | -0.38 | -0.33 | - |
| Diluted Shares Outstanding | 89.64M | 89.64M | 89.64M | 87.68M | 96.72M | 110.62M | 112.67M | 115.16M | 115.83M |
| Basic Shares Outstanding | 89.64M | 89.64M | 89.64M | 87.68M | 96.72M | 110.62M | 112.67M | 115.16M | 114.41M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - |
NCNO Balance Sheet
nCino, Inc. (NCNO) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jan'18 | Jan'19 | Jan'20 | Jan'21 | Jan'22 | Jan'23 | Jan'24 | Jan'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 109.01M | 109.17M | 145.28M | 442.23M | 183.51M | 207.19M | 250.78M | 302.25M | 194.28M |
| Cash & Short-Term Investments | 80.68M | 74.35M | 91.18M | 371.43M | 88.01M | 82.04M | 112.08M | 120.93M | 87.59M |
| Cash Only | 80.68M | 74.35M | 91.18M | 371.43M | 88.01M | 82.04M | 112.08M | 120.93M | 87.59M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 24.3M | 29.83M | 43.41M | 55.52M | 74.53M | 99.5M | 112.97M | 146.79M | 86.95M |
| Days Sales Outstanding | 152.56 | 118.95 | 114.66 | 99.19 | 99.33 | 132.61 | 86.53 | 99.1 | 67.93 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 4.03M | 0 | 3.61M | 4.86M | 7.58M | 25.66M | 25.71M | 34.53M | 1.43M |
| Total Non-Current Assets | 3.96M | 10.8M | 104.87M | 121.17M | 1.12B | 1.12B | 1.09B | 1.31B | 1.37B |
| Property, Plant & Equipment | 3.79M | 10.41M | 13.48M | 29.94M | 73.85M | 94.95M | 98.41M | 90.98M | 89.26M |
| Fixed Asset Turnover | 15.36x | 8.80x | 10.25x | 6.82x | 3.71x | 2.88x | 4.84x | 5.94x | 6.45x |
| Goodwill | 0 | 0 | 55.84M | 57.15M | 841.49M | 839.44M | 838.87M | 1.02B | 1.07B |
| Intangible Assets | 0 | 0 | 26.09M | 23.14M | 180.12M | 152.82M | 115.57M | 154.57M | 142.84M |
| Long-Term Investments | 0 | 0 | 0 | 9.82M | 4.03M | 6.53M | 9.29M | 9.29M | 31.24M |
| Other Non-Current Assets | 174K | 393K | 9.46M | 750K | 16.34M | 26.33M | 27.51M | 33.91M | 165.74M |
| Total Assets | 112.97M▲ 0% | 119.97M▲ 6.2% | 250.15M▲ 108.5% | 563.4M▲ 125.2% | 1.3B▲ 130.9% | 1.33B▲ 2.0% | 1.34B▲ 1.0% | 1.61B▲ 20.1% | 1.56B▲ 0% |
| Asset Turnover | 0.51x | 0.76x | 0.55x | 0.36x | 0.21x | 0.21x | 0.36x | 0.34x | 0.36x |
| Asset Growth % | - | 6.2% | 108.52% | 125.22% | 130.92% | 2.02% | 0.99% | 20.14% | 53.74% |
| Total Current Liabilities | 34.94M | 52.41M | 76.58M | 115.69M | 174.38M | 205.16M | 215.04M | 251.51M | 208.08M |
| Accounts Payable | 2.29M | 3.44M | 4.67M | 6M | 11.37M | 11.88M | 11.84M | 13.64M | 12.53M |
| Days Payables Outstanding | 27.4 | 27.05 | 26.58 | 24.84 | 37.24 | 38.91 | 22.57 | 23.06 | 21.59 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 28.43M | 41.11M | 58.94M | 89.14M | 122.64M | 154.87M | 170.94M | 191.17M | 741.78M |
| Other Current Liabilities | 4.22M | 0 | 183K | 16.09M | 14.74M | 22.62M | 16.28M | 23.63M | 21.05M |
| Current Ratio | 3.12x | 2.08x | 1.90x | 3.82x | 1.05x | 1.01x | 1.17x | 1.20x | 1.20x |
| Quick Ratio | 3.12x | 2.08x | 1.90x | 3.82x | 1.05x | 1.01x | 1.17x | 1.20x | 1.20x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | 46.34 |
| Total Non-Current Liabilities | 17K | 1.52M | 1.95M | 18.74M | 56.13M | 94.44M | 72.79M | 261.27M | 299.17M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 30M | 0 | 166M | 203.5M |
| Capital Lease Obligations | 0 | 0 | 0 | 15.94M | 44.68M | 61.65M | 69.1M | 63.99M | 246.91M |
| Deferred Tax Liabilities | 0 | 0 | 194K | 0 | 1.68M | 0 | 3.69M | 13.85M | 72.01M |
| Other Non-Current Liabilities | 0 | 0 | 1.75M | 0 | 9.74M | 2.8M | 0 | 17.16M | 68.67M |
| Total Liabilities | 34.95M | 53.93M | 78.52M | 134.43M | 230.51M | 299.6M | 287.83M | 512.78M | 507.25M |
| Total Debt | 0 | 0 | 0 | 16.26M | 48.84M | 96.54M | 74.23M | 236.82M | 269.37M |
| Net Debt | -80.68M | -74.35M | -91.18M | -355.16M | -39.17M | 14.5M | -37.86M | 115.9M | 181.65M |
| Debt / Equity | - | - | - | 0.04x | 0.05x | 0.09x | 0.07x | 0.22x | 0.22x |
| Debt / EBITDA | - | - | - | - | - | - | 12.90x | 13.00x | 10.06x |
| Net Debt / EBITDA | - | - | - | - | - | - | -6.58x | 6.36x | 6.36x |
| Interest Coverage | - | - | - | -327.75x | -47.13x | -25.42x | -9.56x | -2.07x | -0.51x |
| Total Equity | 78.01M▲ 0% | 66.04M▼ 15.4% | 171.63M▲ 159.9% | 428.97M▲ 149.9% | 1.07B▲ 149.6% | 1.03B▼ 4.0% | 1.05B▲ 2.4% | 1.1B▲ 4.3% | 1.05B▲ 0% |
| Equity Growth % | - | -15.35% | 159.9% | 149.94% | 149.55% | -4% | 2.43% | 4.27% | 0.77% |
| Book Value per Share | 0.87 | 0.74 | 1.91 | 4.89 | 11.07 | 9.29 | 9.34 | 9.53 | 9.10 |
| Total Shareholders' Equity | 78.01M | 66.04M | 167.27M | 425.18M | 1.07B | 1.02B | 1.05B | 1.09B | 1.04B |
| Common Stock | 36K | 38K | 41K | 47K | 55K | 56K | 57K | 58K | 59K |
| Retained Earnings | -82.45M | -104.75M | -120.92M | -161.06M | -209.62M | -310.34M | -352.76M | -385.33M | -384.39M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -100.34M |
| Accumulated OCI | 6K | -21K | -408K | 240K | -72K | 694K | 996K | 176K | -760K |
| Minority Interest | 0 | 0 | 4.36M | 3.79M | 2.88M | 3.59M | 3.43M | 8.29M | 12.44M |
NCNO Cash Flow Statement
nCino, Inc. (NCNO) cash flow — operating, investing & free cash flow history
| Line item | Jan'18 | Jan'19 | Jan'20 | Jan'21 | Jan'22 | Jan'23 | Jan'24 | Jan'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -15.96M | -4.59M | -9M | 9.22M | 9.22M | -19.23M | 57.28M | 55.2M | 55.2M |
| Operating CF Margin % | -27.45% | -5.01% | -6.51% | 4.51% | 3.37% | -7.02% | 12.02% | 10.21% | - |
| Operating CF Growth % | - | 71.24% | -96.08% | 202.49% | 0% | -308.51% | 397.91% | -3.64% | 19.38% |
| Net Income | -18.59M | -22.31M | -27.73M | -41.27M | -41.27M | -50.12M | -42.35M | -37.88M | -21.77M |
| Depreciation & Amortization | 970K | 1.46M | 4.61M | 7.43M | 7.43M | 10.01M | 45.26M | 36.34M | 42.21M |
| Stock-Based Compensation | 3.83M | 4.09M | 5.75M | 25.21M | 28.48M | 50.23M | 58.03M | 71.59M | 71.26M |
| Deferred Taxes | 0 | -16.16M | 195K | 168K | 168K | -24.28M | -2.34M | -7.12M | -2.04M |
| Other Non-Cash Items | -329K | 16.26M | 3.14M | 3.09M | 3.09M | 10.26M | 15.11M | -7.74M | 6.88M |
| Working Capital Changes | -1.84M | 12.06M | 5.05M | 14.59M | 14.59M | 6.43M | -16.44M | 0 | -32.47M |
| Change in Receivables | -12.43M | -5.66M | -14.16M | -11.41M | -11.41M | -13.51M | -14.32M | -31.39M | -18.49M |
| Change in Inventory | -2.12M | -1.19M | -1.63M | -3.34M | -3.34M | 0 | 0 | 0 | 0 |
| Change in Payables | 1.92M | 4.7M | 3.47M | 8.04M | 8.04M | 4.43M | 525K | -190K | -2.14M |
| Cash from Investing | -2.84M | -7.96M | -58.03M | -4.34M | -4.34M | -278.49M | -6.33M | -219.18M | -180.04M |
| Capital Expenditures | -2.84M | -7.96M | -5.76M | -4.34M | -4.34M | -5.46M | -3.87M | -1.82M | -7.39M |
| CapEx % of Revenue | 4.88% | 8.7% | 4.17% | 2.12% | 1.58% | 1.99% | 0.81% | 0.34% | - |
| Acquisitions | 0 | 0 | -52.27M | 0 | -268.99M | -268.99M | 0 | -216.91M | -176.34M |
| Investments | - | - | - | - | - | - | - | - | - |
| Other Investing | 0 | 0 | 0 | 0 | 273.02M | -563K | 43K | -450K | 0 |
| Cash from Financing | 70.14M | 6.26M | 84.09M | 274.12M | 274.12M | 15.92M | -21.11M | 170.48M | -57.78M |
| Debt Issued (Net) | 0 | 0 | 0 | -37K | 0 | 30M | -30M | 163.21M | 37.5M |
| Equity Issued (Net) | 1000K | 0 | 1000K | 1000K | 0 | 0 | 1000K | 0 | -2M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -100.08M |
| Other Financing | 832K | 6.26M | 4.09M | 5.78M | 15.92M | 6.71M | -243K | 7.26M | -34.68M |
| Net Change in Cash | 51.35M▲ 0% | -6.33M▼ 112.3% | 16.84M▲ 366.0% | 280.24M▲ 1564.4% | 280.24M▲ 0.0% | -283.03M▼ 201.0% | 30.03M▲ 110.6% | 3.82M▼ 87.3% | -170.37M▲ 0% |
| Free Cash Flow | -18.8M▲ 0% | -12.55M▲ 33.2% | -14.76M▼ 17.6% | 4.88M▲ 133.1% | 4.88M▲ 0.0% | -24.69M▼ 605.6% | 53.41M▲ 316.3% | 53.38M▼ 0.1% | 59.72M▲ 0% |
| FCF Margin % | -32.33% | -13.72% | -10.68% | 2.39% | 1.78% | -9.02% | 11.21% | 9.87% | 10.18% |
| FCF Growth % | - | 33.21% | -17.56% | 133.09% | 0% | -605.57% | 316.32% | -0.06% | -16.44% |
| FCF per Share | -0.21 | -0.14 | -0.16 | 0.06 | 0.05 | -0.22 | 0.47 | 0.46 | 0.46 |
| FCF Conversion (FCF/Net Income) | 0.86x | 0.21x | 0.33x | -0.23x | -0.19x | 0.38x | -1.35x | -1.46x | -2.74x |
| Interest Paid | 0 | 0 | 0 | 130K | 1.51M | 2.62M | 4.32M | 0 | 12.16M |
| Taxes Paid | 0 | -42K | 369K | 631K | 1M | 664K | 3.17M | 3.56M | 3.15M |
NCNO Key Ratios
nCino, Inc. (NCNO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -30.97% | -23.22% | -13.5% | -6.6% | -4.78% | -4.07% | -3.52% | -2.07% |
| Return on Invested Capital (ROIC) | - | -58.58% | -41.43% | -9.69% | -5.16% | -2.88% | -1.22% | -1.22% |
| Gross Margin | 49.25% | 53.63% | 56.86% | 59.32% | 59.32% | 59.82% | 60.07% | 60.12% |
| Net Margin | -24.37% | -19.97% | -19.84% | -18.05% | -18.3% | -8.89% | -7.01% | -3.71% |
| Debt / Equity | - | - | 0.04x | 0.05x | 0.09x | 0.07x | 0.22x | 0.22x |
| Interest Coverage | - | - | -327.75x | -47.13x | -25.42x | -9.56x | -2.07x | -0.51x |
| FCF Conversion | 0.21x | 0.33x | -0.23x | -0.19x | 0.38x | -1.35x | -1.46x | -2.74x |
| Revenue Growth | 57.43% | 50.96% | 47.85% | 34.05% | 0% | 74.01% | 13.45% | 12.14% |
NCNO SEC Filings & Documents
nCino, Inc. (NCNO) SEC filings — annual & quarterly reports (10-K, 10-Q)
NCNO Frequently Asked Questions
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Growth & Financials
nCino, Inc. (NCNO) reported $586.5M in revenue for fiscal year 2025. This represents a 909% increase from $58.1M in 2018.
nCino, Inc. (NCNO) grew revenue by 13.5% over the past year. This is steady growth.
nCino, Inc. (NCNO) reported a net loss of $21.8M for fiscal year 2025.
Dividend & Returns
nCino, Inc. (NCNO) has a return on equity (ROE) of -3.5%. Negative ROE indicates the company is unprofitable.
nCino, Inc. (NCNO) generated $59.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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