nCino, Inc. Financial Ratios — NCNO Stock

Profitability (USD)

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	01/31/2018	01/31/2019	01/31/2020	01/31/2021	01/31/2022	01/31/2023	01/31/2024	01/31/2025	01/31/2026

Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	-37.19	-14.91	-9.97	-5.3	-7.82	-3.17	-2.57	0.32
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	47.59	49.25	53.63	56.86	59.32	58.46	59.82	60.07	60.55
EBITDA Margin (%)	-30.62	-23.77	-17.05	-17.22	-22.4	-14.54	1.21	3.37	7.73
Operating Margin (%)	-32.29	-25.36	-20.39	-20.86	-26.06	-23.02	-8.29	-3.35	0.63
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	40.39
Pretax Margin (%)	-31.89	-24.16	-19.65	-19.91	-27	-23.95	-8.8	-6.58	1.13
Profit Margin (%)	-31.97	-24.37	-19.97	-19.84	-18.05	-25.16	-8.89	-7.01	0.87
Net Income to Common Margin (%)	-31.97	-24.37	-19.97	-19.84	-18.05	-25.16	-8.89	-7.01	0.87
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

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	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	01/31/2018	01/31/2019	01/31/2020	01/31/2021	01/31/2022	01/31/2023	01/31/2024	01/31/2025	01/31/2026

Total Debt	- -	- -	- -	16	49	97	74	237	279
ST Debt	- -	- -	- -	- -	4	5	5	7	5
LT Debt	- -	- -	- -	16	45	92	69	230	274
Total Debt/EBITDA	- -	- -	- -	-0.46	-0.8	-1.63	12.9	13	6.06
Net Debt/EBITDA	- -	3.42	3.87	10.56	1.43	0.88	-19.49	2.47	2.72
Total Debt/EBIT	- -	- -	- -	-0.38	-0.68	-1.03	-1.88	-13.06	74.78
Net Debt/EBIT	- -	3.2	3.24	8.72	1.23	0.55	2.84	-2.49	33.57
EBITDA to Interest Expense	- -	- -	- -	-270.59	-40.52	-21.15	1.39	2.08	2.63
EBITDA-CapEx/Interest Expense	- -	- -	- -	-303.96	-44.13	-27.68	0.54	1.87	2.2
EBIT to Interest Expense	- -	- -	- -	-327.75	-47.13	-33.49	-9.56	-2.07	0.21
Interest Expense	- -	- -	- -	- -	2	3	4	9	17
Common Equity/Total Assets	- -	-87.29	-48.32	-28.58	-16.11	-23.38	-26.31	-23.92	-22.8
Long-Term Debt/Equity (%)	- -	- -	- -	3.72	4.17	8.92	6.56	20.95	25.61
Long-Term Debt/Capital (%)	- -	- -	- -	-11.31	-28.31	-43.61	-25.12	-164.08	-324.68
Long-Term Debt/Total Assets (%)	- -	- -	- -	2.83	3.43	6.9	5.16	14.28	16.6
Total Debt/Equity (%)	- -	- -	- -	3.79	4.56	9.39	7.05	21.58	26.08
Total Debt/Capital (%)	- -	- -	- -	-11.54	-30.95	-45.93	-26.99	-168.96	-330.67
Total Debt/Total Assets (%)	- -	- -	- -	2.89	3.75	7.27	5.54	14.71	16.91
Net Debt to Equity	- -	-112.59	-53.13	-86.59	-8.22	-5.06	-10.65	4.11	11.71
Net Debt/Capital (%)	- -	41.52	43.9	72.49	35.8	17.81	28.95	-17.26	-72.47
EBITDA	-18	-22	-24	-35	-61	-59	6	18	46
EBITDA-CapEx	-21	-30	-29	-40	-67	-78	2	16	38
Operating Income (Loss)	-19	-23	-28	-43	-71	-94	-40	-18	4

Liquidity (USD)

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	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	01/31/2018	01/31/2019	01/31/2020	01/31/2021	01/31/2022	01/31/2023	01/31/2024	01/31/2025	01/31/2026

Cash Ratio	- -	1.42	1.19	3.21	0.5	0.4	0.52	0.48	0.3
Current Ratio	- -	2.08	1.9	3.82	1.05	1.01	1.17	1.2	1
Quick Ratio	- -	1.99	1.76	3.69	0.93	0.88	1.05	1.06	0.87
CFO/Avg Current Liab	- -	-0.18	-0.14	0.1	-0.13	-0.08	0.27	0.24	0.33
Common Equity/Total Assets	- -	-87.29	-48.32	-28.58	-16.11	-23.38	-26.31	-23.92	-22.8
Long-Term Debt/Equity (%)	- -	- -	- -	3.72	4.17	8.92	6.56	20.95	25.61
Long-Term Debt/Capital (%)	- -	- -	- -	-11.31	-28.31	-43.61	-25.12	-164.08	-324.68
Long-Term Debt/Total Assets (%)	- -	- -	- -	2.83	3.43	6.9	5.16	14.28	16.6
Total Debt/Equity (%)	- -	- -	- -	3.79	4.56	9.39	7.05	21.58	26.08
Total Debt/Capital (%)	- -	- -	- -	-11.54	-30.95	-45.93	-26.99	-168.96	-330.67
Total Debt/Total Assets (%)	- -	- -	- -	2.89	3.75	7.27	5.54	14.71	16.91
CFO/Total Liabilities	- -	-8.51	-11.46	6.86	-8.34	-5.13	19.9	10.76	15.54
CFO/CapEx	-5.62	-0.58	-1.56	2.13	-3.52	-0.84	16.3	30.4	12.01
Altman's Z-Score	- -	-0.53	-0.25	28.53	10.66	5.34	7.12	4.59	2.68

Working Capital (USD)

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	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	01/31/2018	01/31/2019	01/31/2020	01/31/2021	01/31/2022	01/31/2023	01/31/2024	01/31/2025	01/31/2026

Accounts Receivable Turnover	- -	6.95	4.05	4.29	4.39	4.92	4.74	4.73	4.54
Days Sales Outstanding	- -	52.5	90.1	85.01	83.09	74.26	76.94	77.15	80.43
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	26.98	15.8	16.53	12.83	14.59	16.14	16.94	16.66
Accounts Payable Turnover Days	- -	13.53	23.1	22.08	28.44	25.01	22.61	21.54	21.91
Cash Conversion Cycle	- -	38.98	67	62.93	54.65	49.25	54.33	55.61	58.52
Inventory to Cash Days	- -	52.5	90.1	85.01	83.09	74.26	76.94	77.15	80.43
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	01/31/2018	01/31/2019	01/31/2020	01/31/2021	01/31/2022	01/31/2023	01/31/2024	01/31/2025	01/31/2026

Market Capitalization	- -	- -	- -	6,287	4,433	3,164	3,547	3,917	2,410
- Cash & Cash Equivalents	- -	74	91	371	88	82	112	121	88
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	4	4	3	4	3	8	13
+ Total Debt	- -	- -	- -	16	49	97	74	237	279
Enterprise Value	- -	-74	-87	5,935	4,397	3,182	3,512	4,041	2,613
Total Capital	- -	-105	-117	-141	-158	-210	-275	-140	-84
Total Debt/Capital (%)	- -	- -	- -	-11.54	-30.95	-45.93	-26.99	-168.96	-330.67
Total Debt / EV	- -	- -	- -	- -	0.01	0.03	0.02	0.06	0.11
EV/Sales	- -	- -	- -	29.05	16.05	7.79	7.37	7.47	4.39
EV/EBITDA	- -	- -	- -	- -	- -	- -	610.66	221.85	56.83
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	701.13
EV/Cash Flow to Firm	- -	- -	- -	634.51	- -	- -	57.04	63.79	22.66
EV/Free Cash Flow to Firm	- -	- -	- -	433.48	- -	541.02	53.96	62.01	21.28
Diluted Market Cap	- -	- -	- -	6,287	4,433	3,164	3,547	3,917	2,441
Diluted Enterprise Value	- -	-74	-87	5,935	4,397	3,182	3,512	4,041	2,644
EV per Share	- -	- -	- -	67.69	45.45	28.76	31.17	35.09	23.15
TTM Sales	58	92	138	204	274	408	477	541	595
TTM EBITDA	-18	-22	-24	-35	-61	-59	6	18	46
TTM Operating Income	-19	-23	-28	-43	-71	-94	-40	-18	4
TTM Cash Flow to Firm	-16	-5	-9	9	-18	-12	62	63	115
TTM Free Cash Flow to Firm	-13	3	-3	14	-13	6	65	65	123

Multiples (USD)

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	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	01/31/2018	01/31/2019	01/31/2020	01/31/2021	01/31/2022	01/31/2023	01/31/2024	01/31/2025	01/31/2026

Price/Free Cash Flow	- -	- -	- -	463.61	-322.01	1,069.87	58.34	68.7	25.02
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	701.13
Enterprise Value	- -	-74	-87	5,935	4,397	3,182	3,512	4,041	2,613
Low Price	- -	- -	- -	65.32	38.47	22.97	19.58	28.09	18.75
EV/Sales	- -	- -	- -	29.05	16.05	7.79	7.37	7.47	4.39
EV/EBITDA	- -	- -	- -	- -	- -	- -	610.66	221.85	56.83
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	465.26
Price/Earnings Average	- -	- -	- -	-167.67	-126.26	-36.7	-76.27	-100.14	588.84
Price/Earnings High	- -	- -	- -	-224.84	-169.17	-59.66	-95.33	-131.34	752.92
Price/Earnings Low	- -	- -	- -	-141.29	-75.25	-24.74	-52.1	-85.4	408.6
Price/Book Value	- -	- -	- -	-39.04	-21.15	-10.2	-10.06	-10.17	-6.41
Price/Book Value Average	- -	- -	- -	-42.21	-29.79	-12.15	-9.16	-9.85	-8.12
Price/Book Value High	- -	- -	- -	-56.6	-39.91	-19.75	-11.45	-12.91	-10.38
Price/Book Value Low	- -	- -	- -	-35.57	-17.76	-8.19	-6.25	-8.4	-5.63
Price/Tangible Book Value	- -	- -	- -	18.03	90.65	89.36	36.13	-51.3	-16.63
Price/Tangible Book Value Average	- -	- -	- -	19.49	127.67	106.49	32.9	-49.68	-21.04
Price/Tangible Book Value High	- -	- -	- -	26.14	171.06	173.1	41.13	-65.16	-26.91
Price/Tangible Book Value Low	- -	- -	- -	16.43	76.1	71.77	22.47	-42.37	-14.6
Price/Sales	- -	- -	- -	30.77	16.19	7.75	7.44	7.24	4.05
Price/Sales Average	- -	- -	- -	33.27	22.8	9.23	6.78	7.02	5.13
Price/Sales High	- -	- -	- -	44.61	30.54	15.01	8.47	9.2	6.56
Price/Sales Low	- -	- -	- -	28.03	13.59	6.22	4.63	5.98	3.56
Price/Cash Flow	- -	- -	- -	681.69	-230.53	-205.68	61.92	70.96	26.76
Price/Cash Flow Average	- -	- -	- -	737.02	-324.66	-245.1	56.38	68.72	33.87
Price/Cash Flow High	- -	- -	- -	988.31	-435	-398.42	70.47	90.13	43.3
Price/Cash Flow Low	- -	- -	- -	621.03	-193.51	-165.19	38.51	58.6	23.5
Price/Free Cash Flow Average	- -	- -	- -	501.24	-453.5	1,274.89	53.12	66.53	31.67
Price/Free Cash Flow High	- -	- -	- -	672.14	-607.62	2,072.41	66.4	87.26	40.49
Price/Free Cash Flow Low	- -	- -	- -	422.36	-270.3	859.26	36.28	56.74	21.97
EV/Sales Average	- -	- -	- -	31.55	22.66	9.28	6.71	7.25	5.47
EV/Sales High	- -	- -	- -	42.89	30.41	15.05	8.4	9.43	6.9
EV/Sales Low	- -	- -	- -	26.31	13.45	6.27	4.56	6.21	3.9
EV/EBITDA Average	- -	3.42	3.69	-183.23	-101.16	-63.81	555.54	215.07	70.75
EV/EBITDA High	- -	3.42	3.69	-249.11	-135.75	-103.54	695.87	279.96	89.23
EV/EBITDA Low	- -	3.42	3.69	-152.82	-60.06	-43.11	377.55	184.42	50.45
EV/EBIT Average	- -	3.2	3.08	-151.27	-86.98	-40.29	-80.87	-216.06	872.89
EV/EBIT High	- -	3.2	3.08	-205.66	-116.71	-65.38	-101.3	-281.24	1,100.94
EV/EBIT Low	- -	3.2	3.08	-126.17	-51.64	-27.22	-54.96	-185.27	622.38
Last Price	- -	- -	- -	71.7	45.83	28.6	31.48	34.01	21.35
High Price	- -	- -	- -	103.95	86.48	55.4	35.83	43.2	34.55
Enterprise Value Average	- -	-74	-87	6,445	6,207	3,788	3,195	3,917	3,253
Enterprise Value High	- -	-74	-87	8,763	8,328	6,146	4,003	5,099	4,103
Enterprise Value Low	- -	-74	-87	5,376	3,685	2,559	2,172	3,359	2,320

Shares Outstanding	- -	89	89	94	110	111	114	114	114
Diluted Weighted Avg Shares	90	90	90	88	97	111	113	115	114
Basic Weighted Avg Shares	90	90	90	88	97	111	113	115	113
Revenue per Share	0.65	1.02	1.54	2.33	2.83	3.69	4.23	4.69	5.27
EBITDA per Share	-0.2	-0.24	-0.26	-0.4	-0.63	-0.54	0.05	0.16	0.41
Operating Income per Share	-0.21	-0.26	-0.31	-0.49	-0.74	-0.85	-0.35	-0.16	0.03
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 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
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.18	-0.05	-0.1	0.11	-0.2	-0.14	0.51	0.48	0.8
Free Cash Flow per Basic Share	-0.21	-0.14	-0.16	0.06	-0.26	-0.3	0.48	0.46	0.73
Cash & Equivalents per Share	- -	0.83	1.02	4.24	0.91	0.74	0.99	1.05	0.78
Book Value per Share	- -	-1.17	-1.35	-1.84	-2.17	-2.81	-3.13	-3.35	-3.33
Tangible Book Value per Share	- -	0.74	1	3.98	0.51	0.32	0.87	-0.66	-1.28

nCino, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)