nCino, Inc.

As of July 31, 2026, nCino Inc carries a market capitalization of 1.69B, placing it among publicly traded companies globally. Its enterprise value stands at 1.93B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

nCino Inc's next confirmed earnings release is scheduled for December 2, 2026.

As of July 31, 2026, nCino Inc has 105.13M shares outstanding.

As of July 31, 2026, nCino Inc trades at a trailing price-to-earnings ratio of 61.00. The price-to-sales ratio is 3.29, and the price-to-book ratio stands at 2.10.

As of July 31, 2026, nCino Inc trades at an EV/EBITDA multiple of 24.62 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 3.57 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 45.11 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. These enterprise value multiples are built on an enterprise value of 1.93B versus a market cap of 1.69B, with the gap driven by net debt and cash on the balance sheet.

As of July 31, 2026, nCino Inc maintains a current ratio of 0.85, meaning it holds 0.8x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is 35.82, indicating elevated leverage, while an interest coverage ratio of 4.94 demonstrates adequate ability to service its debt obligations.

Over the twelve months ended July 31, 2026, nCino Inc posted a return on equity (ROE) of 3.38, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 2.11, measuring how efficiently the asset base is converted into earnings. The company generates approximately 313,498.91 in revenue per employee across its workforce of 1,721.25, a quick read on workforce productivity versus industry peers.

Over the twelve months ended July 31, 2026, nCino Inc recorded an income tax benefit of -4.80M rather than an expense, typically from losses, carryforwards, or the release of a tax provision. Taxes are levied on pretax income of 28.84M, leaving 29.14M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 22, 2026, nCino Inc's stock has declined approximately 6.36% over the past 52 weeks. The 50-day moving average sits at 18.16, while the 200-day moving average is 15.84.

Over the twelve months ended July 31, 2026, nCino Inc generated 539.61M in revenue and converted that into 29.14M in net income, yielding earnings per share of 0.30. EBITDA reached 78.27M, while operating income came in at 42.73M.

As of July 31, 2026, nCino Inc holds 72.23M in cash and equivalents against 293.66M in total debt, resulting in a net debt position of 166.56M. Total book value stands at 806.35M, with working capital of -38.03M providing operational flexibility.

nCino Inc produced 115.87M in operating cash flow over the twelve months ended July 31, 2026. After subtracting -1.25M in capital expenditures, free cash flow totaled 114.62M - equivalent to 1.04 per share.

Over the twelve months ended July 31, 2026, nCino Inc posted a gross margin of 62.24, reflecting its pricing power and cost economics. The operating margin of 7.92 and net profit margin of 5.40 provide insight into operational efficiency.

These figures cover the twelve months ended July 31, 2026. Free cash flow yield stands at 6.41, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield reaches 8.82, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to nCino Inc shareholders.

As of July 31, 2026, nCino Inc has an Altman Z-Score of 2.49, near the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.