nCino, Inc. (NCNO) stock

NCNONasdaqServices-Prepackaged SoftwareFiscal year ends January 31

Financials through Q2 FY2027, quarter ended Jul 31, 2026Last filing: 10-Q on Aug 25, 2026Score 10/3035% above fair value

$22.76+0.40 (+1.79%)

Close on Nov 13, 2026Market cap $2.41BP/E 75.9Yield –

nCino statistics

97 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Dec 2, 2026 (estimated, after the close)
Last ex-dividend date: No dividends
Fundamentals through: Jul 31, 2026
Share price as of: Nov 13, 2026

Valuation ratiosIndustry

Market Cap: $2.41B; $792.38M
Enterprise Value: $2.60B; $779.89M
PE Ratio: 75.87; 25.88
PS Ratio: 3.87; 2.33
PB Ratio: 2.59; 2.73
P/FCF Ratio: 18.21; 15.38
P/OCF Ratio: 18.01; 12.99

Enterprise valuationIndustry

EV / Sales: 4.18; 2.10
EV / EBITDA: 28.79; 16.18
EV / EBIT: 52.74; 21.00
EV / FCF: 19.66; 15.48

Share statisticsIndustry

Shares Outstanding: 106M; 59M
Shares Change (YoY): -3.44%; 1.88%
Shares Change (QoQ): -3.37%; 0.04%
Float: 81M; 53M
Shares Held by Insiders: 23.8%; 13.1%
Shares Held by Institutions: 121.2%; 62.6%

Short sellingIndustry

Short Interest: 18M; –
Short Interest Change: -5.42%; -3.30%
Short % of Float: 22.1%; 5.82%
Short % of Shares Outstanding: 16.9%; 4.22%
Days to Cover: 9.31; 3.54

Stock price statisticsIndustry

52-Week High: $27.50; –
52-Week Low: $13.80; –
20-Day Moving Average: $22.63; –
50-Day Moving Average: $21.19; –
200-Day Moving Average: $18.24; –
Average True Range (14): $0.79; –
Price Change (1 Week): 0.40%; 0.50%
Price Change (1 Month): 7.77%; -1.81%
Price Change (3 Months): 12.5%; -4.67%
Price Change (6 Months): 52.0%; 0.47%
Price Change (YTD): -11.2%; -13.6%
Price Change (1 Year): -13.0%; -13.9%
Price Change (3 Years): -21.4%; -16.1%
Price Change (5 Years): -67.3%; -57.0%
Average Volume (10 Days): 1M; –
Average Volume (20 Days): 2M; –
Average Volume (90 Days): 2M; –
Relative Volume: 0.50; 0.64
Relative Strength Index (14): 56.5; 47.4
Volatility (1 Year): 49.9%; 65.4%
Beta (5 Years): 1.62; 1.19

MarginsIndustry

Gross Margin: 62.2%; 55.6%
Operating Margin: 7.92%; -2.03%
Profit Margin: 5.40%; -2.58%
EBITDA Margin: 14.5%; 0.72%
FCF Margin: 21.2%; 9.88%

Returns on capitalIndustry

Return on Equity (ROE): 3.38%; 1.34%
Return on Assets (ROA): 2.11%; -3.24%
Return on Invested Capital (ROIC): 3.79%; -0.09%
Return on Capital Employed (ROCE): 3.83%; -0.55%

Financial positionIndustry

Current Ratio: 0.85; 1.37
Quick Ratio: 0.72; 0.94
Debt / Equity: 0.30; 0.51
Debt / EBITDA: 3.05; 2.60
Debt / FCF: 2.08; 2.79
Net Debt / EBITDA: 2.13; 1.41
Interest Coverage: 2.70; -0.55

GrowthIndustry

Revenue Growth (YoY): 8.57%; 9.45%
FCF Growth (YoY): 120.6%; 14.3%
Revenue Growth (3Y CAGR): 13.4%; 7.44%
Revenue Growth (5Y CAGR): 23.8%; 12.3%

EfficiencyIndustry

Asset Turnover: 0.39; 0.64
Revenue Per Employee: $369.50K; $394.08K
Profits Per Employee: $19.95K; -$7.02K
Employee Count: 1,684; 525
WACC: 12.4%; 10.3%

Income statement (TTM)Industry

Revenue: $622.24M; $257.79M
Gross Profit: $387.31M; $158.22M
Operating Income: $49.27M; -$638.82K
Net Income: $33.60M; -$309.55K
EBITDA: $90.26M; -$78.29K
EPS (Diluted): $0.30; $0.00

Balance sheetIndustry

Cash & Short-Term Investments: $83.29M; $41.99M
Total Debt: $275.36M; $179.41M
Net Cash (Debt): -$192.07M; $1.76M
Net Cash Per Share: -$1.82; $0.12
Equity (Book Value): $929.83M; $51.00M
Book Value Per Share: $8.79; $1.98
Tangible Book Value: -$263.33M; $2.87M
Working Capital: -$43.86M; $16.25M

Cash flow (TTM)Industry

Operating Cash Flow: $133.61M; $5.65M
Capital Expenditures: -$1.44M; -$5.67M
Free Cash Flow: $132.17M; $35.58M
FCF Per Share: $1.25; $0.53

Dividends and yieldsIndustry

Earnings Yield: 1.40%; 0.37%
FCF Yield: 5.49%; 4.39%
Buyback Yield: 9.98%; 3.39%
Shareholder Yield: 9.98%; 3.74%

Taxes and interestIndustry

Interest Expense: $18.26M; $3.48M
Income Tax: -$5.53M; $1.63M

Scores and fair valueIndustry

Graham Number: $7.70; $16.88
Graham Upside: -66.1%; -55.0%
Altman Z-Score: 2.45; 1.96
Piotroski F-Score: 6; 5
Beneish M-Score: -2.91; -2.82

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	NCNO	S&P 500	Difference	NCNO per year	S&P 500 per year
1 month	+15.5%	-3.0%	+18.5 pts
3 months	+10.2%	-2.8%	+12.9 pts
Year to date	-11.2%	+11.5%	−22.7 pts
1 year	-10.7%	+13.5%	−24.1 pts
3 years	-18.5%	+77.7%	−96.2 pts	-6.6%	+21.1%
5 years	-67.3%	+72.6%	−139.9 pts	-20.0%	+11.5%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

18M NCNO shares were sold short on Oct 30, 2026, down 5.4% from the previous report, or 22.14% of the shares available to trade. At recent volumes it would take 9.3 days to buy them back. Over the last 20 sessions, 44.1% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	17,829,687	-5.4%	1,915,242	9.3
Oct 15, 2026	18,851,212	-5.4%	1,709,252	11.0
Sep 30, 2026	19,919,551	+4.1%	2,268,091	8.8
Sep 15, 2026	19,133,922	+0.7%	2,369,904	8.1
Aug 31, 2026	18,999,119	+3.9%	3,122,952	6.1
Aug 14, 2026	18,281,608	-2.1%	1,847,247	9.9
Jul 31, 2026	18,674,070	+1.0%	2,205,398	8.5
Jul 15, 2026	18,483,292	-8.3%	2,640,920	7.0
Jun 30, 2026	20,167,235	+18.4%	5,182,721	3.9
Jun 15, 2026	17,027,396	+2.5%	3,387,209	5.0
May 29, 2026	16,610,794	+12.6%	4,591,133	3.6
May 15, 2026	14,746,924	+14.4%	2,854,657	5.2