NCNONasdaqServices-Prepackaged SoftwareFiscal year ends January 31
nCino, Inc.
Financials through Q2 FY2027, quarter ended Jul 31, 2026Last filing: 10-Q on Aug 25, 2026
$20.35−0.16 (-0.78%)
Close on Oct 19, 2026
- Market cap
- $2.14B
- P/E (TTM)
- 67.8
- Dividend yield
- –
nCino statistics
Financials through Jul 31, 2026, price as of Oct 19, 2026, median of Services-Prepackaged Software companies for comparison
Valuation
| Measure | nCino | Industry median |
|---|---|---|
| Market Cap | $2.15B | $288.87M |
| Enterprise Value | $2.34B | $296.43M |
| PE Ratio | 67.83 | 25.42 |
| PS Ratio | 3.46 | 2.45 |
| PB Ratio | 2.31 | 2.73 |
| P/FCF Ratio | 16.28 | 15.04 |
| P/OCF Ratio | 16.10 | 13.19 |
Enterprise value
| Measure | nCino | Industry median |
|---|---|---|
| EV / Sales | 3.77 | 2.21 |
| EV / EBITDA | 25.97 | 16.37 |
| EV / EBIT | 47.57 | 21.97 |
| EV / FCF | 17.73 | 15.16 |
Income (trailing twelve months)
| Measure | nCino | Industry median |
|---|---|---|
| Revenue | $622.24M | $289.17M |
| Gross Profit | $387.31M | $161.98M |
| Operating Income | $49.27M | -$613.24K |
| Net Income | $33.60M | -$301.07K |
| EBITDA | $90.26M | -$156.35K |
| EPS (Diluted) | $0.30 | $0.00 |
Margins
| Measure | nCino | Industry median |
|---|---|---|
| Gross Margin | 62.2% | 55.8% |
| Operating Margin | 7.92% | -1.81% |
| Profit Margin | 5.40% | -1.80% |
| EBITDA Margin | 14.5% | 0.60% |
| FCF Margin | 21.2% | 10.0% |
Returns
| Measure | nCino | Industry median |
|---|---|---|
| Return on Equity (ROE) | 3.38% | 0.83% |
| Return on Assets (ROA) | 2.11% | -2.82% |
| Return on Invested Capital (ROIC) | 3.79% | -0.05% |
| Return on Capital Employed (ROCE) | 3.83% | -0.44% |
Growth
| Measure | nCino | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 8.57% | 9.72% |
| FCF Growth (YoY) | 120.6% | 17.2% |
| Revenue Growth (3Y CAGR) | 13.4% | 7.66% |
| Revenue Growth (5Y CAGR) | 23.8% | 12.4% |
Balance sheet
| Measure | nCino | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $83.29M | $43.42M |
| Total Debt | $275.36M | $204.00M |
| Net Cash (Debt) | -$192.07M | $2.04M |
| Net Cash Per Share | -$1.82 | $0.13 |
| Equity (Book Value) | $929.83M | $52.29M |
| Book Value Per Share | $8.79 | $1.90 |
| Tangible Book Value | -$263.33M | $3.06M |
| Working Capital | -$43.86M | $15.22M |
Financial position
| Measure | nCino | Industry median |
|---|---|---|
| Current Ratio | 0.85 | 1.40 |
| Quick Ratio | 0.72 | 0.94 |
| Debt / Equity | 0.30 | 0.53 |
| Debt / EBITDA | 3.05 | 2.78 |
| Debt / FCF | 2.08 | 2.83 |
| Net Debt / EBITDA | 2.13 | 1.50 |
| Interest Coverage | 2.70 | -0.66 |
Cash flow (trailing twelve months)
| Measure | nCino | Industry median |
|---|---|---|
| Operating Cash Flow | $133.61M | $8.52M |
| Capital Expenditures | -$1.44M | -$5.56M |
| Free Cash Flow | $132.17M | $43.71M |
| FCF Per Share | $1.25 | $0.69 |
Efficiency
| Measure | nCino | Industry median |
|---|---|---|
| Asset Turnover | 0.39 | 0.64 |
| Revenue Per Employee | $369.50K | $392.99K |
| Profits Per Employee | $19.95K | -$4.94K |
| Employee Count | 1,684 | 544 |
Dividends and yields
| Measure | nCino | Industry median |
|---|---|---|
| Earnings Yield | 1.56% | -0.85% |
| FCF Yield | 6.14% | 3.98% |
| Buyback Yield | 11.2% | 3.11% |
| Shareholder Yield | 11.2% | 3.32% |
Shares
| Measure | nCino | Industry median |
|---|---|---|
| Shares Outstanding | 105,736,000 | 60,427,600 |
| Shares Change (YoY) | -3.44% | 2.21% |
| Shares Change (QoQ) | -3.37% | 0.06% |
| Float | 80,531,200 | 53,528,000 |
| Shares Held by Insiders | 23.8% | 13.1% |
| Shares Held by Institutions | 121.2% | 66.9% |
Taxes
| Measure | nCino | Industry median |
|---|---|---|
| Income Tax | -$5.53M | $1.69M |
Scores
| Measure | nCino | Industry median |
|---|---|---|
| Graham Number | $7.70 | $15.96 |
| Graham Upside | -62.1% | -56.1% |
| Altman Z-Score | 2.21 | 1.51 |
| Piotroski F-Score | 6 | 5 |
| Beneish M-Score | -2.91 | -2.80 |
Calculated by StockData from nCino's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.