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    Software - Application
nCino, Inc.

nCino, Inc.

NCNO
nCino, Inc.US flagNASDAQ Global Select
15.66
USD
-0.22
- -
1.72BMarket Cap

Income Statement (USD)

APIChat
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
Sales/Revenue/Turnover
58
92
138
204
274
408
477
541
595
+ Sales & Services Revenue
58
92
138
204
274
408
477
541
595
- Cost of Revenue
30
46
64
88
111
170
191
216
235
+ Cost of Goods & Services
30
46
64
88
111
170
191
216
235
Gross Profit
28
45
74
116
162
239
285
325
360
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
46
68
102
159
234
333
325
343
356
+ Selling, General & Admin
30
46
67
101
154
211
207
213
229
+ Research & Development
17
22
35
58
79
122
117
129
128
+ Other Operating Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Income (Loss)
-19
-23
-28
-43
-71
-94
-40
-18
4
- Non-Operating (Income) Loss
- -
-1
-1
-2
3
4
2
17
-3
+ Interest Expense, Net
- -
-1
-1
- -
1
2
2
7
16
+ Interest Expense
- -
- -
- -
- -
2
3
4
9
17
- Interest Income
- -
1
1
- -
- -
- -
3
2
1
+ Other Non-Op (Income) Loss
- -
- -
- -
-2
1
1
1
10
-19
Pretax Income
-19
-22
-27
-41
-74
-98
-42
-36
7
- Income Tax Expense (Benefit)
- -
- -
1
1
-24
4
2
-3
-3
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
-19
-22
-28
-41
-50
-102
-44
-33
10
- Net Extraordinary Losses (Gains)
- -
- -
- -
-1
-1
2
-2
10
9
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
-1
-1
2
-2
10
9
Income (Loss) Incl. MI
-19
-22
-27
-40
-49
-104
-41
-43
1
- Minority Interest
- -
- -
- -
1
1
-1
1
-5
-5
Net Income, GAAP
-19
-22
-28
-41
-49
-103
-42
-38
5
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
-19
-22
-28
-41
-49
-103
-42
-38
5
EBIT
-19
-23
-28
-43
-71
-94
-40
-18
4
EBITDA
-18
-22
-24
-35
-61
-59
6
18
46
EBITDA Margin (%)
-30.62
-23.77
-17.05
-17.22
-22.4
-14.54
1.21
3.37
7.73
EBITA
-19
-23
-28
-43
-71
-94
-40
-18
4
Gross Margin (%)
47.59
49.25
53.63
56.86
59.32
58.46
59.82
60.07
60.55
Operating Margin (%)
-32.29
-25.36
-20.39
-20.86
-26.06
-23.02
-8.29
-3.35
0.63
Profit Margin (%)
-31.97
-24.37
-19.97
-19.84
-18.05
-25.16
-8.89
-7.01
0.87
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
5
7
10
35
45
36
42
Basic Weighted Avg Shares
90
90
90
88
97
111
113
115
113
Basic EPS, GAAP
-0.21
-0.25
-0.31
-0.46
-0.51
-0.93
-0.38
-0.33
0.05
Basic EPS from Cont Ops
-0.21
-0.25
-0.31
-0.47
-0.52
-0.92
-0.39
-0.29
0.09
Diluted Weighted Avg Shares
90
90
90
88
97
111
113
115
114
Diluted EPS, GAAP
-0.21
-0.25
-0.31
-0.46
-0.51
-0.93
-0.38
-0.33
0.05
Diluted EPS from Cont Ops
-0.21
-0.25
-0.31
-0.47
-0.52
-0.92
-0.39
-0.29
0.08

Balance Sheet (USD)

APIChat
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
Total Current Assets
- -
109
145
442
184
207
251
302
294
+ Cash, Cash Equivalents & STI
- -
74
91
371
88
82
112
121
88
+ Cash & Cash Equivalents
- -
74
91
371
88
82
112
121
88
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
- -
30
43
56
75
99
113
147
167
+ Accounts Receivable, Net
- -
26
42
53
71
95
106
122
140
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
3
2
2
3
5
7
24
27
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
- -
5
11
15
21
26
26
35
39
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
11
105
121
1,118
1,120
1,090
1,308
1,355
+ Property, Plant & Equip, Net
- -
10
13
30
74
95
98
91
88
+ Property, Plant & Equip
- -
14
20
40
89
115
124
120
118
- Accumulated Depreciation
- -
4
6
10
15
20
25
29
30
+ LT Investments & Receivables
- -
- -
- -
- -
4
7
9
9
7
+ LT Investments
- -
- -
- -
- -
4
7
9
9
7
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
- -
91
91
1,040
1,019
982
1,208
1,259
+ Total Intangible Assets
- -
- -
82
80
1,022
992
954
1,174
1,214
+ Goodwill
- -
- -
56
57
841
839
839
1,019
1,078
+ Other Intangible Assets
- -
- -
26
23
180
153
116
155
136
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
- -
9
11
18
26
28
34
45
Total Assets
- -
120
250
563
1,301
1,327
1,340
1,610
1,648
+ Payables & Accruals
- -
11
17
10
26
23
23
30
30
+ Accounts Payable
- -
3
5
6
11
12
12
14
15
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
8
13
4
15
11
11
16
16
+ ST Debt
- -
- -
- -
- -
4
5
5
7
5
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
4
5
5
7
5
+ Other ST Liabilities
- -
41
59
105
144
177
187
215
259
+ Deferred Revenue
- -
41
59
89
123
155
171
191
211
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
16
21
23
16
24
49
Total Current Liabilities
- -
52
77
116
174
205
215
252
294
+ LT Debt
- -
- -
- -
16
45
92
69
230
274
+ LT Borrowings
- -
- -
- -
- -
- -
30
- -
166
214
+ LT Finance Leases
- -
- -
- -
16
45
62
69
64
60
+ Other LT Liabilities
- -
2
2
3
11
3
4
31
11
+ Accrued Liabilities
- -
2
2
3
2
3
4
14
7
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
- -
- -
- -
10
- -
- -
17
4
Total Noncurrent Liabilities
- -
2
2
19
56
94
73
261
285
Total Liabilities
- -
54
79
134
231
300
288
513
579
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
- -
171
289
586
1,277
1,334
1,401
1,474
1,550
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
- -
171
289
586
1,277
1,334
1,401
1,474
1,550
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
126
+ Retained Earnings
- -
-105
-121
-161
-210
-310
-353
-385
-376
+ Other Equity
- -
- -
- -
- -
- -
1
1
- -
7
Equity Before Minority Interest
- -
66
167
425
1,068
1,024
1,049
1,089
1,056
+ Minority/Non Controlling Interest
- -
- -
4
4
3
4
3
8
13
Total Equity
- -
66
172
429
1,071
1,028
1,053
1,098
1,069
Total Liabilities & Equity
- -
120
250
563
1,301
1,327
1,340
1,610
1,648
Shares Outstanding
- -
89
89
94
110
111
114
114
114
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
16
49
67
74
71
65
Net Debt
- -
-74
-91
-371
-88
-52
-112
45
125
Net Debt to Equity
- -
-112.59
-53.13
-86.59
-8.22
-5.06
-10.65
4.11
11.71
Tangible Common Equity Ratio
- -
55.05
53.32
72.17
17.5
10.57
25.43
-17.49
-33.36
Current Ratio
- -
2.08
1.9
3.82
1.05
1.01
1.17
1.2
1
Cash Conversion Cycle
- -
38.98
67
62.93
54.65
49.25
54.33
55.61
58.52

Cash Flow Statement (USD)

APIChat
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
+ Net Income
-19
-22
-28
-41
-50
-102
-44
-33
10
+ Depreciation & Amortization
1
1
5
7
10
35
45
36
42
+ Non-Cash Items
3
4
9
28
14
67
72
90
73
+ Stock-Based Compensation
4
4
6
25
28
50
58
72
74
+ Deferred Income Taxes
- -
- -
- -
- -
-24
2
-2
-7
-6
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
- -
- -
3
3
10
15
16
26
5
+ Chg in Non-Cash Work Cap
-2
12
5
15
6
-15
-16
-38
-35
+ (Inc) Dec in Accts Receiv
-12
-6
-14
-11
-14
-27
-14
-31
-16
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
-2
-1
-2
-3
-3
-3
2
-7
- -
+ Inc (Dec) in Accts Payable
2
5
3
8
12
-1
-5
10
-1
+ Inc (Dec) in Other
11
14
17
21
11
17
1
-10
-18
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
-16
-5
-9
9
-19
-15
57
55
90
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-3
-8
-6
-4
-5
-18
-4
-2
-8
+ Acq of Fixed Prod Assets
-3
-8
-6
-4
-5
-18
-4
-2
-8
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
69
- -
80
268
- -
- -
- -
- -
-125
+ Increase in Capital Stock
69
- -
80
268
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
-125
+ Net Change in LT Investment
- -
- -
- -
- -
-4
-2
-2
- -
4
+ Dec in LT Investment
- -
- -
- -
- -
- -
- -
- -
- -
4
+ Inc in LT Investment
- -
- -
- -
- -
-4
-2
-2
- -
- -
+ Net Cash From Acq & Div
- -
- -
-52
- -
-269
1
- -
-217
-50
+ Cash from Divestitures
- -
- -
- -
- -
- -
1
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
-52
- -
-269
- -
- -
-217
-50
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
- -
- -
- -
- -
-1
- -
- -
- -
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-3
-8
-58
-4
-278
-21
-6
-219
-54
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
- -
- -
- -
- -
- -
30
-30
166
48
+ Cash From Debt
- -
- -
- -
- -
- -
50
- -
241
112
+ Repayments of Debt
- -
- -
- -
- -
- -
-20
-30
-75
-65
+ Other Financing Activities
1
6
4
6
16
7
9
4
5
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
70
6
84
274
16
37
-21
170
-73
Effect of Foreign Exchange Rates
- -
- -
- -
1
-1
-2
- -
-3
4
Net Changes in Cash
51
-6
17
279
-282
1
30
6
-37
EBITDA
-18
-22
-24
-35
-61
-59
6
18
46
EBITDA Margin (%)
-30.62
-23.77
-17.05
-17.22
-22.4
-14.54
1.21
3.37
7.73
Free Cash Flow
-19
-13
-15
5
-25
-34
54
53
83
Net Cash Paid for Acquisitions
- -
- -
52
- -
269
-1
- -
217
50
Free Cash Flow to Firm
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Equity
- -
-13
-15
5
-25
-4
24
219
130
Free Cash Flow per Basic Share
-0.21
-0.14
-0.16
0.06
-0.26
-0.3
0.48
0.46
0.73
Price/Free Cash Flow
- -
- -
- -
463.61
-322.01
1,069.87
58.34
68.7
25.02
Cash Flow to Net Income
0.86
0.21
0.33
-0.23
0.39
0.15
-1.35
-1.46
17.39
Capital Expenditures
-3
-8
-6
-4
-5
-18
-4
-2
-8