Business Description
Ncino Inc
NAICS : 513210
SIC : 7372
ISIN : US63947X1019
Share Class Description:
FRA:6NCA: Ordinary SharesTotal Employee Number:
1,684Description
nCino Inc. is a US-based provider of cloud-based software for financial institutions. Its nCino Platform, built on Salesforce, supports commercial and small business lending, mortgage lending, account opening, onboarding, and indirect auto lending, along with analytics and AI capabilities. The company has grown both organically and through acquisitions, including SimpleNexus, DocFox, FullCircl, Visible Equity, and Sandbox Banking, to broaden the platform's functionality. Customers include community and regional banks, credit unions, and other financial institutions, primarily in the United States, with expanding operations in Europe and other international markets. nCino generates revenue mainly through subscription fees for its cloud platform, supplemented by professional services for implementation and configuration. The company operates as a single reporting segment and competes in the financial technology software market.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.25 | |||||
Equity-to-Asset | 0.59 | |||||
Debt-to-Equity | 0.36 | |||||
Debt-to-EBITDA | 3.66 | |||||
Interest Coverage | 2.7 | |||||
Piotroski F-Score | 6/9 | |||||
Altman Z-Score | 2.31 | |||||
Beneish M-Score | -2.65 | |||||
WACC vs ROIC | ||||||
Growth Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 12.1 | |||||
3-Year Book Growth Rate | 0.3 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 19.12 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 8.33 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 40.47 | |||||
9-Day RSI | 48.01 | |||||
14-Day RSI | 52.44 | |||||
3-1 Month Momentum % | 28.89 | |||||
6-1 Month Momentum % | 31.82 | |||||
12-1 Month Momentum % | -33.08 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 0.85 | |||||
Quick Ratio | 0.85 | |||||
Cash Ratio | 0.29 | |||||
Days Sales Outstanding | 58.4 | |||||
Days Payable | 22.27 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -0.7 | |||||
Shareholder Yield % | 8.54 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 62.24 | |||||
Operating Margin % | 7.92 | |||||
Net Margin % | 5.4 | |||||
EBITDA Margin % | 14.87 | |||||
FCF Margin % | 21.24 | |||||
OCF Margin % | 21.46 | |||||
ROE % | 3.32 | |||||
ROA % | 2.1 | |||||
ROIC % | 3.1 | |||||
3-Year ROIIC % | 30.88 | |||||
ROC (Joel Greenblatt) % | 58.56 | |||||
ROCE % | 3.86 | |||||
Years of Profitability over Past 10-Year | 1 | |||||
Moat Score | 6 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 71.63 | |||||
Forward PE Ratio | 12.75 | |||||
PE Ratio without NRI | 35.81 | |||||
Price-to-Owner-Earnings | 76.47 | |||||
PS Ratio | 3.85 | |||||
PB Ratio | 2.42 | |||||
Price-to-Free-Cash-Flow | 17.74 | |||||
Price-to-Operating-Cash-Flow | 17.57 | |||||
EV-to-EBIT | 49.03 | |||||
EV-to-Forward-EBIT | 12.5 | |||||
EV-to-EBITDA | 27.31 | |||||
EV-to-Forward-EBITDA | 9.73 | |||||
EV-to-Revenue | 4.05 | |||||
EV-to-Forward-Revenue | 2.93 | |||||
EV-to-FCF | 19.06 | |||||
Price-to-GF-Value | 0.56 | |||||
Price-to-Projected-FCF | 1.74 | |||||
Earnings Yield (Greenblatt) % | 2.04 | |||||
FCF Yield % | 5.87 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Ncino Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 534.584 | ||
| EPS (TTM) (€) | 0.259 | ||
| Beta | 0.7119 | ||
| 3-Year Sharpe Ratio | -0.13 | ||
| 3-Year Sortino Ratio | -0.19 | ||
| Volatility % | 50.52 | ||
| 14-Day RSI | 52.44 | ||
| 14-Day ATR (€) | 0.393032 | ||
| 20-Day SMA (€) | 18.9 | ||
| 12-1 Month Momentum % | -33.08 | ||
| 52-Week Range (€) | 12.1 - 25.8 | ||
| Shares Outstanding (Mil) | 105.74 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Ncino Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Ncino Inc Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2027 | 2026-12-03 16:30 | In 74 days | ||
| Third quarter earnings results for 2027 | 2026-12-03 | In 73 days | ||
| Piper Sandler Growth Frontiers Conference | 2026-09-16 12:30 | 19.10 (+0.00%) | ||
| Second quarter earnings conference call for 2027 | 2026-08-25 16:30 | 17.60 (+0.00%) | ||
| Second quarter earnings results for 2027 | 2026-08-25 | 17.60 (+0.00%) | ||
| General meeting for 2026 | 2026-06-18 10:00 | 12.70 (+0.00%) | ||
| nCino (NCNO) Headquarters Visit with J.P.Morgan | 2026-06-16 12:00 | 13.30 (+0.00%) | ||
| William Blair’s 46th Annual Growth Stock Conference | 2026-06-03 12:20 | 14.70 (+0.00%) | ||
| First quarter earnings conference call for 2027 | 2026-05-27 16:30 | 13.90 (+0.00%) | ||
| First quarter earnings results for 2027 | 2026-05-27 | 13.90 (+0.00%) |
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Ncino Inc Frequently Asked Questions
What is Ncino Inc(FRA:6NCA)'s stock price today?
The current price of FRA:6NCA is €18.60. The 52 week high of FRA:6NCA is €25.80 and 52 week low is €12.10.
When is next earnings date of Ncino Inc(FRA:6NCA)?
The next earnings date of Ncino Inc(FRA:6NCA) is 2026-12-03 Est..
Does Ncino Inc(FRA:6NCA) pay dividends? If so, how much?
Ncino Inc(FRA:6NCA) does not pay dividend.
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