Business Description
Ncino Inc
NAICS : 513210
SIC : 7372
ISIN : US63947X1019
Share Class Description:
NCNO: Ordinary SharesTotal Employee Number:
1,684Description
Ncino Inc is a provider of cloud-based software for financial institutions. It is focused on developing the nCino Platform to transform commercial and small business lending for community and regional banks in the U.S. With the company's platform financial institutions can Operate More Intelligently, Improve Efficiency, Elevate Employee and Client Experiences, and Manage Risk and Compliance Continuously Rather Than Reactively. It has built and acquired technology, including SimpleNexus, DocFox, FullCircl, ILT, Visible Equity, FinSuite, and Sandbox Banking, to augment the nCino Platform's capabilities for mortgage lending, onboarding, account opening, indirect auto lending, and analytics and AI. The company operates as one operating segment.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.32 | |||||
Equity-to-Asset | 0.6 | |||||
Debt-to-Equity | 0.34 | |||||
Debt-to-EBITDA | 4.54 | |||||
Interest Coverage | 1.51 | |||||
Piotroski F-Score | 6/9 | |||||
Altman Z-Score | 2.02 | |||||
Beneish M-Score | -2.69 | |||||
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 | 15.66 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 8.24 |
Momentum Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 62.07 | |||||
9-Day RSI | 63.24 | |||||
14-Day RSI | 61 | |||||
3-1 Month Momentum % | -16.09 | |||||
6-1 Month Momentum % | -36.12 | |||||
12-1 Month Momentum % | -49.53 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 0.89 | |||||
Quick Ratio | 0.89 | |||||
Cash Ratio | 0.34 | |||||
Days Sales Outstanding | 57.58 | |||||
Days Payable | 22.31 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -0.7 | |||||
Shareholder Yield % | 6.23 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 61.42 | |||||
Operating Margin % | 4.32 | |||||
Net Margin % | 2.17 | |||||
EBITDA Margin % | 11.79 | |||||
FCF Margin % | 18.15 | |||||
OCF Margin % | 19.2 | |||||
ROE % | 1.28 | |||||
ROA % | 0.82 | |||||
ROIC % | 1.66 | |||||
3-Year ROIIC % | 30.88 | |||||
ROC (Joel Greenblatt) % | 33.88 | |||||
ROCE % | 2.24 | |||||
Years of Profitability over Past 10-Year | 1 | |||||
Moat Score | 6 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 148.75 | |||||
Forward PE Ratio | 14.13 | |||||
PE Ratio without NRI | 23.18 | |||||
Price-to-Owner-Earnings | 150.02 | |||||
PS Ratio | 3.35 | |||||
PB Ratio | 2 | |||||
Price-to-Free-Cash-Flow | 17.89 | |||||
Price-to-Operating-Cash-Flow | 16.96 | |||||
EV-to-EBIT | 72.36 | |||||
EV-to-Forward-EBIT | 12.58 | |||||
EV-to-EBITDA | 30.49 | |||||
EV-to-Forward-EBITDA | 9.79 | |||||
EV-to-Revenue | 3.6 | |||||
EV-to-Forward-Revenue | 2.95 | |||||
EV-to-FCF | 19.81 | |||||
Price-to-GF-Value | 0.46 | |||||
Price-to-Projected-FCF | 1.52 | |||||
Earnings Yield (Greenblatt) % | 1.38 | |||||
FCF Yield % | 5.66 |
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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Ncino Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 610.058 | ||
| EPS (TTM) ($) | 0.12 | ||
| Beta | 1.4732 | ||
| 3-Year Sharpe Ratio | -0.36 | ||
| 3-Year Sortino Ratio | -0.48 | ||
| Volatility % | 42.41 | ||
| 14-Day RSI | 61 | ||
| 14-Day ATR ($) | 0.86376 | ||
| 20-Day SMA ($) | 16.597 | ||
| 12-1 Month Momentum % | -49.53 | ||
| 52-Week Range ($) | 13.8 - 33.92 | ||
| Shares Outstanding (Mil) | 109.55 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Ncino Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Ncino Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2027 | 2026-12-03 16:30 | In 139 days | ||
| Third quarter earnings results for 2027 | 2026-12-03 | In 138 days | ||
| Second quarter earnings conference call for 2027 | 2026-08-26 16:30 | In 40 days | ||
| Second quarter earnings results for 2027 | 2026-08-26 | In 39 days | ||
| General meeting for 2026 | 2026-06-18 10:00 | 15.49 (+5.23%) | ||
| nCino (NCNO) Headquarters Visit with J.P.Morgan | 2026-06-16 12:00 | 14.74 (-3.60%) | ||
| William Blair’s 46th Annual Growth Stock Conference | 2026-06-03 12:20 | 16.63 (+0.54%) | ||
| First quarter earnings conference call for 2027 | 2026-05-27 16:30 | 15.23 (-4.45%) | ||
| First quarter earnings results for 2027 | 2026-05-27 | 15.23 (-4.45%) | ||
| Fourth quarter earnings conference call for 2026 | 2026-03-31 16:30 | 14.42 (+2.78%) |
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Ncino Inc Frequently Asked Questions
What is Ncino Inc(NCNO)'s stock price today?
The current price of NCNO is $17.84. The 52 week high of NCNO is $33.92 and 52 week low is $13.80.
When is next earnings date of Ncino Inc(NCNO)?
The next earnings date of Ncino Inc(NCNO) is 2026-08-26 Est..
Does Ncino Inc(NCNO) pay dividends? If so, how much?
Ncino Inc(NCNO) does not pay dividend.
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