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nCino, Inc.

NCNO

$23.20 ▼ -0.22 (-0.94%) at close

7 Visible periods

28 Metrics

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Fair

Neutral

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Analytical Summary

nCino, Inc. shows mixed fundamentals. Consider comparing against peers in the Technology sector before making investment decisions.

Market Cap $2.6B

Dividend Yield —

Revenue Growth 10.0% ↘

Op. Margin 0.6% ↗

ROIC 0.5% ↗

FCF / Share $0.73 ↗

Trailing P/E 464.0x

Price / Book 2.5x

FCF Yield 3.2%

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$594.78M

↑ +10.0% —

Net Income Profit after all expenses

$5.18M

↑ +113.7% —

Operating Margin Operating profit as % of sales

0.6%

↑ +118.7% 27th

FCF / Share Free cash flow per share

$0.73

↑ +57.8% —

Health Breakdown

Profitability

Returns

Financial Health

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📈 Is growth accelerating? 6 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗	FY 2022 Jan 31, 2022 10-K ↗	FY 2021 Jan 31, 2021 10-K ↗	FY 2020 Jan 31, 2020 10-K ↗
Revenue Growth YoY (%)	10.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-17%)	13.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	16.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	49.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+309%)	34.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+184%)	47.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+299%)	—
EPS Growth YoY (%)	N/M	13.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	59.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-82.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-31.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	N/M	10.6% Fair ↑ Fair Improving Year-over-year change in net income	58.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-107.7% Weak ↓ Weak Declining Year-over-year change in net income	-22.0% Weak Weak Year-over-year change in net income	-46.9% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%)	57.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-2.9% Weak Weak Year-over-year change in free cash flow	N/M	-19.4% Weak Weak Year-over-year change in free cash flow	N/M	N/M	—
Revenue CAGR 3Y (%)	13.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	25.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.6% Excellent Excellent Compound annual revenue growth over 3 years	43.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	23.8% Excellent Excellent Compound annual revenue growth over 5 years	31.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗	FY 2022 Jan 31, 2022 10-K ↗	FY 2021 Jan 31, 2021 10-K ↗	FY 2020 Jan 31, 2020 10-K ↗
Operating Margin (%) (%)	0.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	-3.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-117%)	-8.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-141%)	-23.0% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-215%)	-26.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-230%)	-20.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-204%)	-20.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-202%)
Effective Tax Rate (%) (%)	-44.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	0.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	-7.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-147%)	-8.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-159%)	-25.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-268%)	-18.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-220%)	-19.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-232%)	-20.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-233%)
FCF Margin (%) (%)	13.9% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	9.9% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.3% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-8.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-9.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-10.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	15.94x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-1.41x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.27x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.33x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.50x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.12x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.53x Weak Weak Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗	FY 2022 Jan 31, 2022 10-K ↗	FY 2021 Jan 31, 2021 10-K ↗	FY 2020 Jan 31, 2020 10-K ↗
Return on Invested Capital (%)	0.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-9.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-4.5% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-10.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-7.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-5.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	-7.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	-3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-119%)	-4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-122%)	-10.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-154%)	-4.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-125%)	-9.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-152%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗	FY 2022 Jan 31, 2022 10-K ↗	FY 2021 Jan 31, 2021 10-K ↗	FY 2020 Jan 31, 2020 10-K ↗
Interest Coverage (x)	0.23x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-2.07x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-9.56x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-33.49x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-47.13x Weak Weak Operating income divided by interest expense Optimal: > 5x	-327.75x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-88.37M	$-120.93M	$-112.08M	$-82.04M	$-88.01M	$-371.43M	$-91.18M

📊 What does each share earn? 6 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗	FY 2022 Jan 31, 2022 10-K ↗	FY 2021 Jan 31, 2021 10-K ↗	FY 2020 Jan 31, 2020 10-K ↗
Revenue per Share (USD)	$5.27	$4.69	$4.23	$3.69	$2.83	$2.33	$1.76
Basic EPS, GAAP (USD)	$0.05	$-0.33	$-0.38	$-0.93	$-0.51	$-0.46	$-0.35
Free Cash Flow per Share (USD)	$0.73	$0.46	$0.48	$-0.30	$-0.26	$0.06	$-0.19
Book Value per Share (USD)	$9.27	$9.39	$9.23	$9.19	$9.73	$4.54	—
Tangible Book Value per Share (USD)	$-0.19	$0.60	$1.85	$1.66	$2.06	$3.93	—
Basic Weighted Avg Shares (shares)	112.88M	115.16M	112.67M	110.62M	96.72M	87.68M	78.32M

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗	FY 2022 Jan 31, 2022 10-K ↗	FY 2021 Jan 31, 2021 10-K ↗	FY 2020 Jan 31, 2020 10-K ↗
Working Capital (USD)	$-989.00K	$50.74M	$35.74M	$2.04M	$9.13M	$326.54M	—
Total Equity (USD)	$1.06B	$1.09B	$1.05B	$1.02B	$1.07B	$425.18M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗	FY 2022 Jan 31, 2022 10-K ↗	FY 2021 Jan 31, 2021 10-K ↗	FY 2020 Jan 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$594.78M	$540.66M	$476.54M	$408.31M	$273.87M	$204.29M	$138.18M
Depreciation Expense (USD)	$42.26M	$36.34M	$45.26M	$34.65M	$10.01M	$7.43M	$4.61M
Net Income, GAAP (USD)	$5.18M	$-37.88M	$-42.35M	$-102.72M	$-49.45M	$-40.54M	$-27.59M
Operating Cash Flow (USD)	$90.06M	$55.20M	$57.28M	$-15.38M	$-19.23M	$9.22M	$-9.00M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 7 years · 24 quarters

nCino, Inc.

Analytical Summary

7-Year Financial Trajectory

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