Last 25 quarters of trend data · Technology · Software - Application
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
nCino, Inc.'s quarterly P/E stands at 111.2x. EV/EBITDA has compressed 47.3% YoY to 69.8x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -48.91 | 111.17 | — | 116.00 | — | — | — | — | 787.00 | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 3.54 | 5.08 | 5.41 | 4.69 | 6.97 | 7.77 | 7.12 | 6.50 | 7.37 | 6.51 | 7.75 | 6.09 | 7.28 |
| — | -34.6% | -24.1% | -27.8% | -5.4% | +19.4% | -8.1% | +6.7% | +1.2% | -21.5% | -13.3% | -44.3% | -52.5% | |
| P/B Ratio | 1.69 | 2.93 | 3.02 | 2.50 | 3.59 | 3.94 | 3.50 | 3.12 | 3.46 | 3.08 | 3.53 | 2.69 | 3.09 |
| — | -25.6% | -13.7% | -19.8% | +3.6% | +28.2% | -0.8% | +15.8% | +11.9% | -8.7% | +3.3% | -31.1% | -28.0% | |
| P/FCF | 35.81 | 157.77 | 63.93 | 12.85 | — | 199.76 | 214.15 | 15.43 | 118.09 | 151.11 | 186.96 | 23.32 | — |
| — | -21.0% | -70.1% | -16.7% | — | +32.2% | +14.5% | -33.8% | — | — | +2.0% | — | — | |
| EV / EBITDA | 111.31 | 69.82 | 598.44 | 77.51 | 226.55 | 132.60 | 918.23 | 84.46 | 180.02 | 127.89 | — | 1365.49 | — |
| — | -47.3% | -34.8% | -8.2% | +25.8% | +3.7% | — | -93.8% | — | — | — | — | — | |
| EV / EBIT | — | — | — | 47.49 | — | 11917.57 | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
nCino, Inc.'s operating margin was 7.7% in Q3 2026, up 13.9 pp QoQ and up 8.3 pp YoY. The trailing four-quarter average of -0.9% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 60.1% | 61.6% | 59.2% | 60.0% | 59.7% | 61.3% | 59.3% | 57.2% | 57.4% | 60.6% | 59.0% | 59.4% | 58.9% |
| — | +0.5% | -0.1% | +4.8% | +3.9% | +1.1% | +0.4% | -3.6% | -2.4% | +2.7% | +0.7% | +3.7% | +1.0% | |
| Operating Margin | -3.4% | 7.7% | -6.2% | -1.0% | -4.1% | -0.6% | -6.0% | 1.2% | -2.4% | -10.6% | -12.6% | -7.6% | -21.4% |
| — | +1396.9% | -4.6% | -186.3% | -72.1% | +94.4% | +52.7% | +116.0% | +89.0% | +39.6% | +49.7% | +73.7% | +46.6% | |
| Net Margin | -7.0% | 4.3% | -10.3% | 3.9% | -13.2% | -3.8% | -8.3% | -2.3% | 0.9% | -13.4% | -13.5% | -9.9% | -19.4% |
| — | +213.6% | -23.0% | +266.1% | -1503.7% | +71.8% | +38.5% | +76.5% | +104.8% | +40.0% | +50.5% | +69.6% | -104.5% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -3.5% | 0.6% | -1.4% | 0.5% | -1.7% | -0.5% | -1.0% | -0.3% | 0.1% | -1.6% | -1.5% | -1.1% | -2.1% |
| — | +227.5% | -38.1% | +281.9% | -1626.2% | +69.6% | +33.3% | +74.3% | +105.4% | +29.9% | +40.6% | +62.1% | -114.9% | |
| ROA | -2.6% | 0.4% | -0.9% | 0.3% | -1.2% | -0.4% | -0.8% | -0.2% | 0.1% | -1.3% | -1.2% | -0.9% | -1.6% |
| — | +214.6% | -19.8% | +258.4% | -1437.4% | +71.8% | +35.8% | +74.7% | +105.5% | +30.0% | +42.2% | +64.0% | -114.8% | |
| ROIC | -1.2% | 0.7% | -0.6% | -0.1% | -0.4% | -0.1% | -0.6% | 0.1% | -0.2% | -1.0% | -1.1% | -0.6% | -1.7% |
| — | +1339.2% | -2.6% | -182.7% | -73.0% | +94.0% | +49.6% | +117.8% | +87.3% | +29.4% | +40.2% | +68.3% | +57.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
nCino, Inc.'s Debt/EBITDA ratio is 23.0x, down from 191.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 52.1% YoY to 0.93x, tightening the short-term liquidity position.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.26 | 0.25 | 0.26 | 0.22 | 0.22 | 0.10 | 0.12 | 0.07 | 0.06 | 0.06 | 0.08 | 0.09 |
| — | +18.5% | +146.2% | +117.3% | +206.0% | +245.2% | +65.1% | +51.6% | -24.9% | -16.1% | +37.9% | +73.8% | +105.9% | |
| Debt / EBITDA | 13.00 | 22.99 | 191.67 | 30.28 | 52.92 | 29.16 | 108.20 | 12.85 | 14.82 | 10.51 | — | 159.54 | — |
| — | -21.2% | +77.1% | +135.6% | +257.1% | +177.4% | — | -91.9% | — | — | — | — | — | |
| Current Ratio | 1.20 | 0.93 | 1.03 | 1.05 | 1.20 | 1.95 | 1.03 | 1.02 | 1.12 | 1.10 | 0.96 | 0.95 | 1.01 |
| — | -52.1% | -0.3% | +3.3% | +7.6% | +76.6% | +7.3% | +7.1% | +10.6% | +3.7% | +3.8% | +0.2% | -4.0% | |
| Quick Ratio | 1.20 | 0.93 | 1.03 | 1.05 | 1.20 | 1.95 | 1.03 | 1.02 | 1.12 | 1.10 | 0.96 | 0.95 | 1.01 |
| — | -52.1% | -0.3% | +3.3% | +7.6% | +76.6% | +7.3% | +7.1% | +10.6% | +3.7% | +3.8% | +0.2% | -4.0% | |
| Interest Coverage | -2.07 | 2.70 | -2.09 | -0.34 | -1.51 | -0.50 | -4.31 | 1.05 | -3.40 | -15.11 | -14.17 | -6.26 | -24.35 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 25 years · Updated daily
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Start ComparisonnCino, Inc.'s current P/E is -48.9x. The average P/E over the last 2 quarters is 113.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
nCino, Inc.'s current operating margin is -3.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking nCino, Inc.'s business trajectory between earnings reports.