Ncino (FRA:6NCA) Retained Earnings: €-309.2 Mil (As of Jul. 2026)

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FRA:6NCA Ncino Inc FRA:6NCA
75 GF Score
Price €18.60
GF Value €33.08
Valuation Significantly Undervalued
! 7 Warning Signs
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What is Ncino Retained Earnings?

Ncino FRA:6NCA -1.59% 75 Retained Earnings is €-309.2 Mil as of Jul. 2026. GuruFocus rates FRA:6NCA with a GF Score™ of 75/100 and a GF Value™ of €33.08 (Significantly Undervalued). The stock has 7 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Ncino's retained earnings for the quarter that ended in Jul. 2026 was €-309.2 Mil.

Ncino's quarterly retained earnings increased from Jan. 2026 (€-315.9 Mil) to Apr. 2026 (€-308.1 Mil) but then declined from Apr. 2026 (€-308.1 Mil) to Jul. 2026 (€-309.2 Mil).

Ncino's annual retained earnings declined from Jan. 2024 (€-324.7 Mil) to Jan. 2025 (€-370.7 Mil) but then increased from Jan. 2025 (€-370.7 Mil) to Jan. 2026 (€-315.9 Mil).


Ncino  (FRA:6NCA) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Ncino Retained Earnings Historical Data

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The historical data trend for Ncino's Retained Earnings 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.

Ncino Retained Earnings Chart

Ncino Annual Data
Trend Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only -186.99 -285.75 -324.75 -370.67 -315.87

Ncino Quarterly Data
Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26 Jul26
Retained Earnings 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 -343.40 -333.04 -315.87 -308.11 -309.20
FRA:6NCA
75GF Score
Ncino Inc FRA:6NCA
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Ncino Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of €-309.2 Mil mean?
Ncino (FRA:6NCA) has a Retained Earnings of €-309.2 Mil as of Jul. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Ncino and its competitors.
Is Ncino's Retained Earnings too high?
Ncino's current Retained Earnings is €-309.2 Mil. Overall, Ncino has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ncino's Retained Earnings compare to ADBT and ASAN?
Ncino's Retained Earnings of €-309.2 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Software company?
A good Retained Earnings depends on the Software industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Ncino and its competitors. Ncino's current Retained Earnings is €-309.2 Mil. 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 €33.08, compared to a current price of €18.60 — trading 43.8% below its estimated fair value. The current Retained Earnings is €-309.2 Mil. Ncino's overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Ncino (FRA:6NCA), the current Retained Earnings is €-309.2 Mil as of Jul. 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 €18.60 is trading 43.8% below its estimated GF Value™ of €33.08. GuruFocus considers Ncino to be Significantly Undervalued.

Key valuation signals for FRA:6NCA:

  • Retained Earnings: €-309.2 Mil
  • GF Value™: €33.08 vs. price of €18.60 (43.8% below fair value)
  • GF Score™: 75/100 with 7 warning signs

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 Business Description

Other Exchanges NCNO:USANCNO1:Mexico
Address 6770 Parker Farm Drive, Wilmington, NC, USA, 28405
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.
75GF Score

Get the complete analysis for FRA:6NCA

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€18.60
Price
€33.08
GF Value