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NcinoMEX:NCNO1 68 Interest Coverage is 4.71 as of Apr. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates MEX:NCNO1 with a GF Score™ of 68/100 and a GF Value™ of MXN520.32. The stock has 7 warning signs investors should review. Among 1,721 Software companies, Ncino ranks worse than 93.14% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Ncino's
Operating Income
for the
three
months ended in Apr. 2026 was MXN370 Mil. Ncino's Interest Expense for the
three
months ended in Apr. 2026 was MXN-78 Mil.
Ncino's interest coverage for the quarter that ended in Apr. 2026 was 4.71.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Ncino's Interest Coverage or its related term are showing as below:
MEX:NCNO1'
s Interest Coverage Range Over the Past 10 Years
Min: 0.21 Med: No Debt Max: No Debt
Current: 1.51
MEX:NCNO1's Interest Coverage is ranked worse than 93.14% of 1721
companies
in the Software industry
Industry Median: 26.06
vs MEX:NCNO1: 1.51
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Ncino Interest Coverage Related Terms
Ncino Interest Coverage Historical Data
* Premium members only.
The historical data trend for Ncino's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MEX:NCNO1 vs ALKT, BVC, WRD: Interest Coverage Comparison
For the Software - Application subindustry, Ncino's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Software Industry
For the Software industry and Technology sector, Ncino's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Ncino's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (MEX:NCNO1) has a Interest Coverage of 4.71 as of Apr. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ncino and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, Ncino's Interest Coverage has ranged from 0.21 to 10,000.00. According to the industry distribution chart, Ncino ranks #1603 out of 1721 companies in the Software industry, placing it in the top 93.1%.
Is Ncino's Interest Coverage too high?
Ncino's current Interest Coverage of 4.71 is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 10,000.00. The Software industry median Interest Coverage is 26.06. Ncino's value of 4.71 is 81.9% below this industry median. Based on the distribution chart, Ncino ranks #1603 out of 1721 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Ncino has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Ncino's Interest Coverage compare to ALKT and BVC?
According to the Software industry distribution chart, Ncino ranks #1603 out of 1721 companies for Interest Coverage. This places Ncino in the lower half of its industry. The industry median Interest Coverage is 26.06. Ncino's value of 4.71 is 81.9% below this benchmark. Historically, Ncino's own Interest Coverage has ranged from 0.21 to 10,000.00 over the past decade. While the company's 10-year median is 10,000.00 vs. the industry median of 26.06, 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 Interest Coverage for a Software company?
The median Interest Coverage among Software companies is 26.06, based on 1,721 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ncino's current Interest Coverage of 4.71 is 81.9% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ncino and its competitors. For the Software industry, the median Interest Coverage is 26.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ncino's current Interest Coverage is 4.71, which is 100% below median its own 10-year median of 10,000.00. 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?
Ncino (MEX:NCNO1) has a current Interest Coverage of 4.71. The stock's GF Value™ is MXN520.32, compared to a current price of MXN277.00 — trading 46.8% below its estimated fair value. The current Interest Coverage is 4.71, which is 100% below median its 10-year median of 10,000.00 and 81.9% below the Software industry median of 26.06. Ncino's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Ncino (MEX:NCNO1), the current Interest Coverage is 4.71 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 (MEX:NCNO1) Overvalued in 2026?
Based on GuruFocus' analysis, Ncino stock appears to be undervalued.
The current stock price of MXN277.00 is trading 46.8% below its estimated GF Value™ of MXN520.32.
Key valuation signals for MEX:NCNO1:
Interest Coverage: 4.71 (100% below median its 10-year median of 10,000.00)
GF Value™: MXN520.32 vs. price of MXN277.00 (46.8% below fair value)
Industry Position: 81.9% below the Software median (#1603 of 1721)
No single metric tells the full story. See the MEX:NCNO1 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.
68GF Score
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