nCino, Inc.

nCino, Inc.

NCNO
nCino, Inc.US flagNASDAQ Global Select
15.88
USD
-0.75
- -
1.74BMarket Cap
nCino, Inc.
NCNO
(NASDAQ Global Select)

Recent

price

15.88

P/E

ratio

- -

div

yld

- -

ROIC.AI

2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
0.65
1.02
1.54
2.33
2.83
3.69
4.23
4.69
5.27
5.4
Revenue per Share
-0.21
-0.25
-0.31
-0.46
-0.51
-0.93
-0.38
-0.33
0.05
0.12
Basic EPS, GAAP
-0.21
-0.14
-0.16
0.06
-0.26
-0.3
0.48
0.46
0.73
0.98
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
-1.17
-1.35
-1.84
-2.17
-2.81
-3.13
-3.35
-3.33
-3.2
Book Value per Share
- -
0.74
1
3.98
0.51
0.32
0.87
-0.66
-1.28
-1.93
Tangible Book Value per Share
90
90
90
88
97
111
113
115
113
113
Basic Weighted Avg Shares
58
92
138
204
274
408
477
541
595
610
Sales/Revenue/Turnover
-32.29
-25.36
-20.39
-20.86
-26.06
-23.02
-8.29
-3.35
0.63
4.32
Operating Margin (%)
1
1
5
7
10
35
45
36
42
42
Depreciation Expense
-19
-22
-28
-41
-49
-103
-42
-38
5
13
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
10.08
Effective Tax Rate (%)
-31.97
-24.37
-19.97
-19.84
-18.05
-25.16
-8.89
-7.01
0.87
2.17
Profit Margin (%)
- -
57
69
327
9
2
36
51
-1
-32
Working Capital
- -
- -
- -
16
45
92
69
230
274
312
LT Debt
- -
66
172
429
1,071
1,028
1,053
1,098
1,069
984
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
-45.9
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

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
3,039
2,446
1,975

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
- -
- -
- -
- -
- -
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

APIChat
  • nCino, Inc. (NCNO) Presents at 46th Annual William Blair Growth Stock Conference Transcript

  • nCino, Inc. (NCNO) Q1 2027 Earnings Call Transcript

  • A Look at Ncino Inc (NCNO) After 4.5% Gain -- GF Value $37.39 vs Price $15.85

  • nCino Is Finally Investable After A Stellar Quarter (Upgrade)

  • nCino (NCNO) Beats Q1 Earnings and Revenue Estimates

  • nCino Reports First Quarter Fiscal Year 2027 Financial Results

  • nCino to Participate in Upcoming Investor Event

  • nCino (NCNO) Upgraded to Strong Buy: Here's What You Should Know

  • New Strong Buy Stocks for May 19th

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

  • Banks Are Moving to a Dual Workforce Model, nCino's Inaugural AI in Banking Benchmark Shows

  • Vision Credit Union Selects nCino to Transform Agricultural and Commercial Lending

  • Will nCino (NCNO) Beat Estimates Again in Its Next Earnings Report?

  • Raiffeisenbankengruppe Oesterreich (excluding Raiffeisen Bank International) Selects nCino to Modernise Corporate Lending Across Its Nationwide Network

  • Ncino Inc (NCNO) Shares Surge 4.2% -- What GF Score of 67 Tells Investors

  • nCino Announces Nick Edwards as Managing Director for APAC

  • Does nCino (NCNO) Have the Potential to Rally 29.31% as Wall Street Analysts Expect?

  • nCino (NCNO) CEO on Earnings, AI in Banking & Overcoming "SaaS-pocalypse"

  • SG Americas Securities LLC Acquires 32,378 Shares of nCino Inc. $NCNO

  • Why nCino (NCNO) Might be Well Poised for a Surge