nCino, Inc.

nCino, Inc.

NCNO
nCino, Inc.US flagNASDAQ Global Select
23.12
USD
-0.51
- -
2.53BMarket Cap
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
0.65
1.02
1.54
2.33
2.83
3.69
4.23
4.69
5.27
5.4
Basic EPS, GAAP
-0.21
-0.25
-0.31
-0.46
-0.51
-0.93
-0.38
-0.33
0.05
0.12
Free Cash Flow per Basic Share
-0.21
-0.14
-0.16
0.06
-0.26
-0.3
0.48
0.46
0.73
0.98
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
0.74
1.88
4.54
9.73
9.19
9.23
9.58
9.27
8.92
Tangible Book Value per Share
- -
0.74
0.96
3.68
0.42
0.29
0.83
-0.74
-1.38
-2.13
Basic Weighted Avg Shares
90
90
90
88
97
111
113
115
113
113
Sales/Revenue/Turnover
58
92
138
204
274
408
477
541
595
610
Operating Margin (%)
-32.29
-25.36
-20.39
-20.86
-26.06
-23.02
-8.29
-3.35
0.63
4.32
Depreciation Expense
1
1
5
7
10
35
45
36
42
42
Net Income, GAAP
-19
-22
-28
-41
-49
-103
-42
-38
5
13
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
10.08
Profit Margin (%)
-31.97
-24.37
-19.97
-19.84
-18.05
-25.16
-8.89
-7.01
0.87
2.17
Working Capital
- -
57
69
327
9
2
36
51
-1
-32
LT Debt
- -
- -
- -
16
45
92
69
230
274
312
Total Equity
- -
66
172
429
1,071
1,028
1,053
1,098
1,069
984
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
1.94
Return on Common Equity (%)
- -
-67.56
-23.65
-13.68
-6.62
-9.82
-4.08
-3.54
0.48
1.3

Capital Structure

FRC

in mil. unless spec.
Oct'26
Jan'26
Apr'27
ST Debt
6
5
15
LT Borrowings
204
214
253
LT Finance Leases
60
60
59
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
114
114
109
Market Capitalization
3,053
2,432
1,902

Working Capital

FRC

in mil. unless spec.
Oct'26
Jan'26
Apr'27
Total Current Assets
209
294
267
Cash, Cash Equivalents & STI
88
88
103
Accounts Receivable, Net
64
140
109
Inventories
- -
- -
- -
Total Current Liabilities
208
294
300
Payables & Accruals
25
30
31
ST Debt
6
5
15
Deferred Revenue
152
211
225

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
29.92%
-2.64%
Free Cash Flow
- -
-154.91%
54.66%
Net Income, GAAP
- -
-10.66%
-113.68%
Sales/Revenue/Turnover
- -
24.66%
10.01%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
128
132
139
141
541
2026
144
149
152
150
595
2027
159
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
-0.03
-0.1
-0.05
-0.16
-0.33
2026
0.05
-0.13
0.06
0.07
0.05
2027
0.13
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

CEO
Sean Desmond
Full Time Employees
1,684
Sector
Technology
Industry
Software - Application
Address
6770 Parker Farm Drive Wilmington NC United States of America 28405
IPO Date
Jul 14, 2020
Website
ncino.com
Business
nCino, Inc. (NCNO) provides cloud-based banking solutions and a comprehensive Bank Operating System to financial institutions worldwide, enabling digitization and reengineering of business processes across lending, onboarding, account opening, portfolio management, and analytics; core offerings include commercial and small business lending platforms, mortgage suite, nCino IQ for AI-driven insights and machine learning, client onboarding automation, loan origination, enterprise content management, reporting tools, and integrations with core banking systems serving community banks, regional banks, credit unions, enterprise banks, and independent mortgage banks. Founded in 2011 and headquartered in Wilmington, North Carolina, the company operates globally across North America, Europe including the UK, Spain, and South Africa, the Middle East, Asia-Pacific encompassing Australia, Japan, and New Zealand, and supports over 2,700 customers with data unification, AI enhancements, and workflow automation. Recent developments include the 2024 acquisitions of DocFox for onboarding automation and FullCircl for customer lifecycle intelligence, the February 2025 acquisition of Sandbox Banking for $52.5 million to improve data connectivity and integrations, a leadership transition in February 2025 with Pierre Naudé becoming Executive Chairman and Sean Desmond appointed CEO, and a strategic partnership with Baghdadi Capital Group in October 2025 marking entry into the Spanish market to support global trade finance expansion.

Company News

  • nCino (NCNO)'s Technical Outlook is Bright After Key Golden Cross

  • nCino Expands Buyback as AI Demand Supports Growth

  • nCino to Participate in Upcoming Investor Event

  • Canada Pension Plan Investment Board Makes New Investment in nCino Inc. $NCNO

  • nCino: Despite A Strong Quarter, The Stock Is Too Expensive

  • American Capital Management Inc. Invests $83.51 Million in nCino Inc. $NCNO

  • nCino Q2 Earnings Call Highlights

  • Bamco Inc. NY Invests $30.54 Million in nCino Inc. $NCNO

  • Ncino Inc (NCNO) Shares Surge 3.4% -- What GF Score of 68 Tells Investors

  • Why nCino Stock Is Rising Today

  • These Analysts Boost Their Forecasts On Ncino Following Q2 Results

  • nCino, Inc. (NCNO) Q2 2027 Earnings Call Transcript

  • Banks Double Down on nCino AI Agents After Using Initial Credits

  • nCino Q2 Earnings Call Highlights

  • nCino (NCNO) Tops Q2 Earnings and Revenue Estimates

  • nCino Reports Second Quarter Fiscal Year 2027 Financial Results

  • 75,725 Shares in nCino Inc. $NCNO Acquired by Advisors Capital Management LLC

  • Algebris UK Ltd. Makes New $39.35 Million Investment in nCino Inc. $NCNO

  • nCino Announces Timing of its Second Quarter Fiscal Year 2027 Financial Results Conference Call

  • nCino and Dun & Bradstreet Collaborate to Speed Client Onboarding and Enhance Lifecycle Management for Financial Institutions