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NcinoFRA:6NCA +1.29%65 Days Payable is 23.53 as of Apr. 2026, which is 3% above its 10-year median of 22.86. GuruFocus rates FRA:6NCA with a GF Score™ of 65/100 and a GF Value™ of €34.07 (Significantly Undervalued). The stock has 7 warning signs investors should review. Among 2,603 Software companies, Ncino ranks worse than 77.41% on this metric.
Ncino's average Accounts Payable for the
three
months ended in Apr. 2026 was €12.9 Mil. Ncino's Cost of Goods Sold for the
three
months ended in Apr. 2026 was €50.0 Mil.
Hence, Ncino's Days Payable for the
three
months ended in Apr. 2026 was 23.53.
The historical rank and industry rank for Ncino's Days Payable or its related term are showing as below:
FRA:6NCA'
s Days Payable Range Over the Past 10 Years
Min: 21.54 Med: 22.86 Max: 28.44
Current: 22.31
During the past 9 years, Ncino's highest Days Payable was 28.44. The lowest was 21.54. And the median was 22.86.
FRA:6NCA's Days Payable is ranked worse than 77.41% of 2603
companies
in the Software industry
Industry Median: 52.78
vs FRA:6NCA: 22.31
Ncino's Days Payable
declined
from Apr. 2025 (23.65) to Apr. 2026 (23.53).
It may suggest that Ncinoaccelerated paying its suppliers.
Ncino Days Payable Related Terms
Ncino Days Payable Historical Data
* Premium members only.
The historical data trend for Ncino's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:6NCA vs ALKT, BL, EVCM: Days Payable Comparison
For the Software - Application subindustry, Ncino's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ncino Days Payable vs Software Industry
For the Software industry and Technology sector, Ncino's Days Payable distribution charts can be found below:
* The bar in red indicates where Ncino's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Ncino's Days Payable for the fiscal year that ended in Jan. 2026 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ncino (FRA:6NCA) has a Days Payable of 23.53 as of Apr. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Ncino and its competitors. This is near median its historical median of 22.86. Over the past decade, Ncino's Days Payable has ranged from 21.54 to 28.44. According to the industry distribution chart, Ncino ranks #2015 out of 2603 companies in the Software industry, placing it in the top 77.4%.
Is Ncino's Days Payable too high?
Ncino's current Days Payable of 23.53 is near median its 10-year median of 22.86. Over the past 10 years, this metric has ranged from a low of 21.54 to a high of 28.44. The Software industry median Days Payable is 52.78. Ncino's value of 23.53 is 55.4% below this industry median. Based on the distribution chart, Ncino ranks #2015 out of 2603 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Ncino has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ncino's Days Payable compare to ALKT and BL?
According to the Software industry distribution chart, Ncino ranks #2015 out of 2603 companies for Days Payable. This places Ncino in the lower half of its industry. The industry median Days Payable is 52.78. Ncino's value of 23.53 is 55.4% below this benchmark. Historically, Ncino's own Days Payable has ranged from 21.54 to 28.44 over the past decade. While the company's 10-year median is 22.86 vs. the industry median of 52.78, Ncino has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Software company?
The median Days Payable among Software companies is 52.78, based on 2,603 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ncino's current Days Payable of 23.53 is 55.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Ncino and its competitors. For the Software industry, the median Days Payable is 52.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ncino's current Days Payable is 23.53, which is near median its own 10-year median of 22.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ncino stock overvalued right now?
Based on GuruFocus' analysis, Ncino (FRA:6NCA) is currently considered Significantly Undervalued. The stock's GF Value™ is €34.07, compared to a current price of €15.70 — trading 53.9% below its estimated fair value. The current Days Payable is 23.53, which is near median its 10-year median of 22.86 and 55.4% below the Software industry median of 52.78. Ncino's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Ncino (FRA:6NCA), the current Days Payable is 23.53 as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ncino (FRA:6NCA) Overvalued in 2026?
Based on GuruFocus' analysis, Ncino stock appears to be undervalued.
The current stock price of €15.70 is trading 53.9% below its estimated GF Value™ of €34.07.
GuruFocus considers Ncino to be Significantly Undervalued.
Key valuation signals for FRA:6NCA:
Days Payable: 23.53 (near median its 10-year median of 22.86)
GF Value™: €34.07 vs. price of €15.70 (53.9% below fair value)
Industry Position: 55.4% below the Software median (#2015 of 2603)
No single metric tells the full story. See the FRA:6NCA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
65GF Score
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