| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GWREGuidewire Software, Inc. | 14.12B | 166.09 | 205.05 | 22.64% | 7.23% | 6% | 2.09% | 0.49 |
| DAVEDave Inc. | 2.34B | 192.06 | 45.84 | 33.96% | 29.87% | 50.37% | 5.33% | 0.41 |
| INTUIntuit Inc. | 154.33B | 554.58 | 40.57 | 15.63% | 21.19% | 21.31% | 3.94% | 0.34 |
| CCBCoastal Financial Corporation | 1.72B | 113.69 | 34.98 | 30.92% | 7.84% | 10.04% | 14.54% | 0.12 |
| SPNSSapiens International Corporation N.V. | 2.43B | 43.45 | 33.68 | 5.4% | 11.4% | 12.2% | 2.97% | 0.13 |
| SSNCSS&C Technologies Holdings, Inc. | 21B | 86.05 | 28.68 | 6.89% | 13.86% | 12.2% | 6.32% | 1.09 |
| TBBKThe Bancorp, Inc. | 3.09B | 70.39 | 16.41 | 16.11% | 30.63% | 29.28% | 7.2% | 0.16 |
| CWANClearwater Analytics Holdings, Inc. | 6.98B | 24.19 | 14.40 | 22.72% | 61.25% | 19.6% | 0.99% | 0.07 |
| Jan 2018 | Jan 2019 | Jan 2020 | Jan 2021 | Jan 2022 | Jan 2023 | Jan 2024 | Jan 2025 | |
|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 58.14M | 91.53M | 138.18M | 204.29M | 273.87M | 273.87M | 476.54M | 540.66M |
| Revenue Growth % | - | 0.57% | 0.51% | 0.48% | 0.34% | 0% | 0.74% | 0.13% |
| Cost of Goods Sold | 30.47M | 46.45M | 64.07M | 88.14M | 111.41M | 111.41M | 191.47M | 215.87M |
| COGS % of Revenue | 0.52% | 0.51% | 0.46% | 0.43% | 0.41% | 0.41% | 0.4% | 0.4% |
| Gross Profit | 27.67M | 45.08M | 74.11M | 116.16M | 162.45M | 162.45M | 285.07M | 324.79M |
| Gross Margin % | 0.48% | 0.49% | 0.54% | 0.57% | 0.59% | 0.59% | 0.6% | 0.6% |
| Gross Profit Growth % | - | 0.63% | 0.64% | 0.57% | 0.4% | 0% | 0.75% | 0.14% |
| Operating Expenses | 46.45M | 68.3M | 102.28M | 158.77M | 233.81M | 233.81M | 324.58M | 342.92M |
| OpEx % of Revenue | 0.8% | 0.75% | 0.74% | 0.78% | 0.85% | 0.85% | 0.68% | 0.63% |
| Selling, General & Admin | 29.89M | 46.07M | 66.98M | 100.5M | 154.45M | 154.45M | 207.27M | 213.5M |
| SG&A % of Revenue | 0.51% | 0.5% | 0.48% | 0.49% | 0.56% | 0.56% | 0.43% | 0.39% |
| Research & Development | 16.56M | 22.23M | 35.3M | 58.26M | 79.36M | 79.36M | 117.31M | 129.42M |
| R&D % of Revenue | 0.28% | 0.24% | 0.26% | 0.29% | 0.29% | 0.29% | 0.25% | 0.24% |
| Other Operating Expenses | -24K | -89K | 33K | 0 | 0 | -1.28M | 0 | 0 |
| Operating Income | -18.77M | -23.22M | -28.17M | -42.61M | -71.36M | -71.36M | -39.51M | -18.13M |
| Operating Margin % | -0.32% | -0.25% | -0.2% | -0.21% | -0.26% | -0.26% | -0.08% | -0.03% |
| Operating Income Growth % | - | -0.24% | -0.21% | -0.51% | -0.67% | 0% | 0.45% | 0.54% |
| EBITDA | -17.8M | -21.76M | -23.56M | -35.18M | -61.35M | -32.87M | 5.75M | 18.21M |
| EBITDA Margin % | -0.31% | -0.24% | -0.17% | -0.17% | -0.22% | -0.12% | 0.01% | 0.03% |
| EBITDA Growth % | - | -0.22% | -0.08% | -0.49% | -0.74% | 0.46% | 1.18% | 2.17% |
| D&A (Non-Cash Add-back) | 970K | 1.46M | 4.61M | 7.43M | 10.01M | 38.49M | 45.26M | 36.34M |
| EBIT | -18.77M | -22.11M | -27.15M | -40.55M | -72.44M | -94.97M | -37.8M | -26.8M |
| Net Interest Income | 260K | 1.19M | 988K | 231K | -1.32M | -2.4M | -1.57M | -7M |
| Interest Income | 260K | 1.19M | 988K | 361K | 194K | 403K | 2.57M | 1.76M |
| Interest Expense | 0 | 0 | 0 | 130K | 1.51M | 2.81M | 4.13M | 8.76M |
| Other Income/Expense | 236K | 1.1M | 1.02M | 1.92M | -2.6M | -3.76M | -2.42M | -17.43M |
| Pretax Income | -18.54M | -22.11M | -27.15M | -40.68M | -73.95M | -73.95M | -41.94M | -35.56M |
| Pretax Margin % | -0.32% | -0.24% | -0.2% | -0.2% | -0.27% | -0.27% | -0.09% | -0.07% |
| Income Tax | 50K | 194K | 586K | 586K | -23.83M | -23.83M | 1.59M | -2.51M |
| Effective Tax Rate % | 1% | 1.01% | 1.02% | 1% | 0.67% | 0.68% | 1.01% | 1.07% |
| Net Income | -18.59M | -22.31M | -27.59M | -40.54M | -49.45M | -50.12M | -42.35M | -37.88M |
| Net Margin % | -0.32% | -0.24% | -0.2% | -0.2% | -0.18% | -0.18% | -0.09% | -0.07% |
| Net Income Growth % | - | -0.2% | -0.24% | -0.47% | -0.22% | -0.01% | 0.16% | 0.11% |
| Net Income (Continuing) | -18.59M | -22.31M | -27.73M | -41.27M | -50.12M | -101.84M | -43.53M | -33.05M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 4.36M | 3.79M | 2.88M | 3.59M | 3.43M | 8.29M |
| EPS (Diluted) | -0.21 | -0.25 | -0.31 | -0.46 | -0.51 | -0.45 | -0.38 | -0.33 |
| EPS Growth % | - | -0.19% | -0.24% | -0.49% | -0.11% | 0.12% | 0.16% | 0.13% |
| 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 |
| Basic Shares Outstanding | 89.64M | 89.64M | 89.64M | 87.68M | 96.72M | 110.62M | 112.67M | 115.16M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - |
| Jan 2018 | Jan 2019 | Jan 2020 | Jan 2021 | Jan 2022 | Jan 2023 | Jan 2024 | Jan 2025 | |
|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 109.01M | 109.17M | 145.28M | 442.23M | 183.51M | 207.19M | 250.78M | 302.25M |
| Cash & Short-Term Investments | 80.68M | 74.35M | 91.18M | 371.43M | 88.01M | 82.04M | 112.08M | 120.93M |
| Cash Only | 80.68M | 74.35M | 91.18M | 371.43M | 88.01M | 82.04M | 112.08M | 120.93M |
| Short-Term Investments | 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 |
| Days Sales Outstanding | 152.56 | 118.95 | 114.66 | 99.19 | 99.33 | 132.61 | 86.53 | 99.1 |
| Inventory | 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 |
| Total Non-Current Assets | 3.96M | 10.8M | 104.87M | 121.17M | 1.12B | 1.12B | 1.09B | 1.31B |
| Property, Plant & Equipment | 3.79M | 10.41M | 13.48M | 29.94M | 73.85M | 94.95M | 98.41M | 90.98M |
| Fixed Asset Turnover | 15.36x | 8.80x | 10.25x | 6.82x | 3.71x | 2.88x | 4.84x | 5.94x |
| Goodwill | 0 | 0 | 55.84M | 57.15M | 841.49M | 839.44M | 838.87M | 1.02B |
| Intangible Assets | 0 | 0 | 26.09M | 23.14M | 180.12M | 152.82M | 115.57M | 154.57M |
| Long-Term Investments | 0 | 0 | 0 | 9.82M | 4.03M | 6.53M | 9.29M | 9.29M |
| Other Non-Current Assets | 174K | 393K | 9.46M | 750K | 16.34M | 26.33M | 27.51M | 33.91M |
| Total Assets | 112.97M | 119.97M | 250.15M | 563.4M | 1.3B | 1.33B | 1.34B | 1.61B |
| Asset Turnover | 0.51x | 0.76x | 0.55x | 0.36x | 0.21x | 0.21x | 0.36x | 0.34x |
| Asset Growth % | - | 0.06% | 1.09% | 1.25% | 1.31% | 0.02% | 0.01% | 0.2% |
| Total Current Liabilities | 34.94M | 52.41M | 76.58M | 115.69M | 174.38M | 205.16M | 215.04M | 251.51M |
| Accounts Payable | 2.29M | 3.44M | 4.67M | 6M | 11.37M | 11.88M | 11.84M | 13.64M |
| Days Payables Outstanding | 27.4 | 27.05 | 26.58 | 24.84 | 37.24 | 38.91 | 22.57 | 23.06 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Liabilities | 4.22M | 0 | 183K | 16.09M | 14.74M | 22.62M | 16.28M | 23.63M |
| Current Ratio | 3.12x | 2.08x | 1.90x | 3.82x | 1.05x | 1.01x | 1.17x | 1.20x |
| Quick Ratio | 3.12x | 2.08x | 1.90x | 3.82x | 1.05x | 1.01x | 1.17x | 1.20x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 17K | 1.52M | 1.95M | 18.74M | 56.13M | 94.44M | 72.79M | 261.27M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 30M | 0 | 166M |
| Capital Lease Obligations | 0 | 0 | 0 | 15.94M | 44.68M | 61.65M | 69.1M | 63.99M |
| Deferred Tax Liabilities | 0 | 0 | 194K | 0 | 1.68M | 0 | 3.69M | 13.85M |
| Other Non-Current Liabilities | 0 | 0 | 1.75M | 0 | 9.74M | 2.8M | 0 | 17.16M |
| Total Liabilities | 34.95M | 53.93M | 78.52M | 134.43M | 230.51M | 299.6M | 287.83M | 512.78M |
| Total Debt | 0 | 0 | 0 | 16.26M | 48.84M | 96.54M | 74.23M | 236.82M |
| Net Debt | -80.68M | -74.35M | -91.18M | -355.16M | -39.17M | 14.5M | -37.86M | 115.9M |
| Debt / Equity | - | - | - | 0.04x | 0.05x | 0.09x | 0.07x | 0.22x |
| Debt / EBITDA | - | - | - | - | - | - | 12.90x | 13.00x |
| Net Debt / EBITDA | - | - | - | - | - | - | -6.58x | 6.36x |
| Interest Coverage | - | - | - | -327.75x | -47.13x | -25.42x | -9.56x | -2.07x |
| Total Equity | 78.01M | 66.04M | 171.63M | 428.97M | 1.07B | 1.03B | 1.05B | 1.1B |
| Equity Growth % | - | -0.15% | 1.6% | 1.5% | 1.5% | -0.04% | 0.02% | 0.04% |
| Book Value per Share | 0.87 | 0.74 | 1.91 | 4.89 | 11.07 | 9.29 | 9.34 | 9.53 |
| Total Shareholders' Equity | 78.01M | 66.04M | 167.27M | 425.18M | 1.07B | 1.02B | 1.05B | 1.09B |
| Common Stock | 36K | 38K | 41K | 47K | 55K | 56K | 57K | 58K |
| Retained Earnings | -82.45M | -104.75M | -120.92M | -161.06M | -209.62M | -310.34M | -352.76M | -385.33M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 6K | -21K | -408K | 240K | -72K | 694K | 996K | 176K |
| Minority Interest | 0 | 0 | 4.36M | 3.79M | 2.88M | 3.59M | 3.43M | 8.29M |
| Jan 2018 | Jan 2019 | Jan 2020 | Jan 2021 | Jan 2022 | Jan 2023 | Jan 2024 | Jan 2025 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -15.96M | -4.59M | -9M | 9.22M | 9.22M | -19.23M | 57.28M | 55.2M |
| Operating CF Margin % | -0.27% | -0.05% | -0.07% | 0.05% | 0.03% | -0.07% | 0.12% | 0.1% |
| Operating CF Growth % | - | 0.71% | -0.96% | 2.02% | 0% | -3.09% | 3.98% | -0.04% |
| Net Income | -18.59M | -22.31M | -27.73M | -41.27M | -41.27M | -50.12M | -42.35M | -37.88M |
| Depreciation & Amortization | 970K | 1.46M | 4.61M | 7.43M | 7.43M | 10.01M | 45.26M | 36.34M |
| Stock-Based Compensation | 3.83M | 4.09M | 5.75M | 25.21M | 28.48M | 50.23M | 58.03M | 71.59M |
| Deferred Taxes | 0 | -16.16M | 195K | 168K | 168K | -24.28M | -2.34M | -7.12M |
| Other Non-Cash Items | -329K | 16.26M | 3.14M | 3.09M | 3.09M | 10.26M | 15.11M | -7.74M |
| Working Capital Changes | -1.84M | 12.06M | 5.05M | 14.59M | 14.59M | 6.43M | -16.44M | 0 |
| Change in Receivables | -12.43M | -5.66M | -14.16M | -11.41M | -11.41M | -13.51M | -14.32M | -31.39M |
| Change in Inventory | -2.12M | -1.19M | -1.63M | -3.34M | -3.34M | 0 | 0 | 0 |
| Change in Payables | 1.92M | 4.7M | 3.47M | 8.04M | 8.04M | 4.43M | 525K | -190K |
| Cash from Investing | -2.84M | -7.96M | -58.03M | -4.34M | -4.34M | -278.49M | -6.33M | -219.18M |
| Capital Expenditures | -2.84M | -7.96M | -5.76M | -4.34M | -4.34M | -5.46M | -3.87M | -1.82M |
| CapEx % of Revenue | 0.05% | 0.09% | 0.04% | 0.02% | 0.02% | 0.02% | 0.01% | 0% |
| Acquisitions | - | - | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - | - | - |
| Other Investing | 0 | 0 | 0 | 0 | 273.02M | -563K | 43K | -450K |
| Cash from Financing | 70.14M | 6.26M | 84.09M | 274.12M | 274.12M | 15.92M | -21.11M | 170.48M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - | - | - |
| Other Financing | 832K | 6.26M | 4.09M | 5.78M | 15.92M | 6.71M | -243K | 7.26M |
| Net Change in Cash | - | - | - | - | - | - | - | - |
| Free Cash Flow | -18.8M | -12.55M | -14.76M | 4.88M | 4.88M | -24.69M | 53.41M | 53.38M |
| FCF Margin % | -0.32% | -0.14% | -0.11% | 0.02% | 0.02% | -0.09% | 0.11% | 0.1% |
| FCF Growth % | - | 0.33% | -0.18% | 1.33% | 0% | -6.06% | 3.16% | -0% |
| FCF per Share | -0.21 | -0.14 | -0.16 | 0.06 | 0.05 | -0.22 | 0.47 | 0.46 |
| FCF Conversion (FCF/Net Income) | 0.86x | 0.21x | 0.33x | -0.23x | -0.19x | 0.38x | -1.35x | -1.46x |
| Interest Paid | 0 | 0 | 0 | 130K | 1.51M | 2.62M | 4.32M | 0 |
| Taxes Paid | 0 | -42K | 369K | 631K | 1M | 664K | 3.17M | 3.56M |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -23.83% | -30.97% | -23.22% | -13.5% | -6.6% | -4.78% | -4.07% | -3.52% |
| Return on Invested Capital (ROIC) | - | - | -58.58% | -41.43% | -9.69% | -5.16% | -2.88% | -1.22% |
| Gross Margin | 47.59% | 49.25% | 53.63% | 56.86% | 59.32% | 59.32% | 59.82% | 60.07% |
| Net Margin | -31.97% | -24.37% | -19.97% | -19.84% | -18.05% | -18.3% | -8.89% | -7.01% |
| Debt / Equity | - | - | - | 0.04x | 0.05x | 0.09x | 0.07x | 0.22x |
| Interest Coverage | - | - | - | -327.75x | -47.13x | -25.42x | -9.56x | -2.07x |
| FCF Conversion | 0.86x | 0.21x | 0.33x | -0.23x | -0.19x | 0.38x | -1.35x | -1.46x |
| Revenue Growth | - | 57.43% | 50.96% | 47.85% | 34.05% | 0% | 74.01% | 13.45% |
| 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| License and Service | 2.44M | 224.85M | 344.75M | 409.48M | 469.17M |
| License and Service Growth | - | 9119.11% | 53.32% | 18.77% | 14.58% |
| Professional Services | 41.85M | 49.01M | 63.56M | 67.06M | 71.49M |
| Professional Services Growth | - | 17.10% | 29.69% | 5.51% | 6.60% |
| 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| UNITED STATES | 180.92M | 230.3M | 180.92M | 387.2M | 424.43M |
| UNITED STATES Growth | - | 27.29% | -21.44% | 114.01% | 9.62% |
| Non-US | 23.37M | 43.56M | 23.37M | 89.34M | 116.22M |
| Non-US Growth | - | 86.41% | -46.35% | 282.29% | 30.09% |
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.
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.