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Ncino (NCNO) Debt-to-EBITDA : 2.64 (As of Jan. 2024)


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What is Ncino Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Ncino's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jan. 2024 was $5.1 Mil. Ncino's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jan. 2024 was $69.1 Mil. Ncino's annualized EBITDA for the quarter that ended in Jan. 2024 was $28.1 Mil. Ncino's annualized Debt-to-EBITDA for the quarter that ended in Jan. 2024 was 2.64.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Ncino's Debt-to-EBITDA or its related term are showing as below:

NCNO' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.6   Med: -0.64   Max: 9.95
Current: 9.95

During the past 7 years, the highest Debt-to-EBITDA Ratio of Ncino was 9.95. The lowest was -1.60. And the median was -0.64.

NCNO's Debt-to-EBITDA is ranked worse than
92.5% of 1600 companies
in the Software industry
Industry Median: 1.04 vs NCNO: 9.95

Ncino Debt-to-EBITDA Historical Data

The historical data trend for Ncino's Debt-to-EBITDA 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.

* Premium members only.

Ncino Debt-to-EBITDA Chart

Ncino Annual Data
Trend Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24
Debt-to-EBITDA
Get a 7-Day Free Trial - -0.49 -0.78 -1.60 9.95

Ncino Quarterly Data
Apr19 Jul19 Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.49 77.61 -3.71 3.58 2.64

Competitive Comparison of Ncino's Debt-to-EBITDA

For the Software - Application subindustry, Ncino's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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's Debt-to-EBITDA Distribution in the Software Industry

For the Software industry and Technology sector, Ncino's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Ncino's Debt-to-EBITDA falls into.



Ncino Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Ncino's Debt-to-EBITDA for the fiscal year that ended in Jan. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(5.123 + 69.103) / 7.463
=9.95

Ncino's annualized Debt-to-EBITDA for the quarter that ended in Jan. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(5.123 + 69.103) / 28.116
=2.64

* 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.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jan. 2024) EBITDA data.


Ncino  (NAS:NCNO) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Ncino Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Ncino's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


Ncino (NCNO) Business Description

Traded in Other Exchanges
Address
6770 Parker Farm Drive, Wilmington, NC, USA, 28405
Ncino Inc is a provider of cloud-based software for financial institutions. Its software solution digitizes, automates, and streamlines inefficient and complex processes & workflow and utilizes data analytics & artificial intelligence that enables financial institutions to more effectively onboard new clients, make loans and manage the entire loan life cycle, open deposit, and other accounts and manage regulatory compliance. It also offers professional services, including configuration & implementation, training, and advisory services. Ncino generates the majority of its revenue from subscription services. The company caters to global financial institutions, enterprise banks, regional banks, community banks, and credit unions. The vast majority of its revenue comes from the United States.
Executives
April Rieger officer: Chief Lgl. & Compl. Ofc., Sec. 6770 PARKER FARM DRIVE, SUITE 200, WILMINGTON NC 28405
Sean Desmond officer: Chief Customer Success Officer 6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Pierre Naude director, officer: CEO 6770 PARKER FARM DRIVE, SUITE 200, WILMINGTON NC 28405
Steven A Collins director 20 N. MERIDIAN STREET, SUITE 200, INDIANAPOLIS IN 46204
Matthew Royce Hansen officer: Chief Product Officer C/O SOUTHPORT ACQUISITION CORPORATION, 1745 GRAND AVENUE, DEL MAR CA 92014
Jeanette Sellers officer: VP of Accounting 6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Joshua L Glover officer: President & Chief Rev Officer 6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Gregory Orenstein officer: Chief Corp Dev & Strat Officer 6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Jeff Horing director, 10 percent owner INSIGHT PARTNERS, 680 5TH AVENUE 8TH FLOOR, NEW YORK NY 10019
William R Spruill director 6770 PARKER FARM DRIVE, SUITE 200, WILMINGTON NC 28405
David Rudow officer: CFO & Treasurer 6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Jeffrey W Lunsford director C/O WEBSIDESTORY, INC., 10182 TELESIS COURT, 6TH FLOOR, SAN DIEGO CA 92121
Pamela Kilday director 6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON, NC NC 28405
William J Ruh director PO BOX 1329, RANCHO SANTA FE CA 92067
Insight Sn Holdings 2, Llc director, 10 percent owner 1114 AVENUE OF THE AMERICAS, 36TH FLOOR, NEW YORK NY 10036