NCNO - nCino, Inc.

📈 Is growth accelerating? 6 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q4 FY2020 Jan 31, 2020 10-K ↗
Revenue Growth YoY (%)	8.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	10.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	5.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	9.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-20%)	12.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	12.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	14.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+19%)	13.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	12.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	12.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	13.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	15.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+32%)	17.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+47%)	20.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+72%)	45.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+281%)	50.3% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+320%)	49.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+315%)	51.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+326%)	—	—	—	—	—	—
EPS Growth YoY (%)	N/M	160.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-30.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	66.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	28.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	70.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	28.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	44.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	64.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-171.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-50.0% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-78.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-75.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	N/M	145.3% Excellent Excellent Year-over-year change in net income	N/M	N/M	-38.2% Weak Weak Year-over-year change in net income	N/M	N/M	67.9% Excellent ↑ Excellent Improving Year-over-year change in net income	30.5% Excellent ↓ Excellent Declining Year-over-year change in net income	73.5% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	30.5% Excellent ↑ Excellent Improving Year-over-year change in net income	41.7% Excellent ↑ Excellent Improving Year-over-year change in net income	63.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-197.9% Weak ↓ Weak Declining Year-over-year change in net income	-72.9% Weak ↑ Weak Improving Year-over-year change in net income	-99.1% Weak Weak Year-over-year change in net income	-104.5% Weak Weak Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%)	—	62.5% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-3.3% Weak Weak Year-over-year change in free cash flow	—	—	—	78.7% Excellent Excellent Year-over-year change in free cash flow	—	—	—	N/M	—	—	—	N/M	—	—	—	—	—	—
Revenue CAGR 3Y (%)	11.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	11.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	15.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	23.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	25.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	25.8% Excellent Excellent Compound annual revenue growth over 3 years	27.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	19.3% Excellent Excellent Compound annual revenue growth over 5 years	20.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q4 FY2020 Jan 31, 2020 10-K ↗
Operating Margin (%) (%)	8.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	13.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	1.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	7.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	-6.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-131%)	-1.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	-4.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-120%)	-0.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	-6.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-130%)	-2.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-114%)	-2.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-113%)	-10.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-153%)	-12.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-163%)	-7.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-138%)	-21.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-207%)	-17.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-188%)	-25.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-225%)	-28.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-245%)	-40.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-300%)	-18.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-191%)	-19.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-199%)	-24.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-224%)	—	—
Profit Margin (%) (%)	3.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	8.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	5.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	4.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	-10.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-168%)	3.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	-13.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-188%)	-3.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-125%)	-8.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-156%)	-2.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	0.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	-13.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-190%)	-13.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-190%)	-9.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-166%)	-19.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-229%)	-22.4% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-249%)	-27.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-282%)	-32.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-317%)	-9.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-163%)	-19.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-230%)	-20.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-237%)	-24.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-260%)	—	—
FCF Margin (%) (%)	21.1% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	50.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	8.3% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.2% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	—	36.5% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-7.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	42.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	6.2% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—	—	26.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-24.2% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-3.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-30.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-30.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	18.9% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	11.3% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	6.69x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	5.92x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.50x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	0.75x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	—	9.46x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	0.56x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-18.18x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	6.65x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	-2.64x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	1.25x Good Good Free cash flow relative to reported net income Optimal: > 1x	—	—	0.11x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	3.21x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.57x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.92x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-0.47x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q4 FY2020 Jan 31, 2020 10-K ↗
Return on Invested Capital (%)	0.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.8% Weak → Weak Stable Return earned on debt + equity capital invested Optimal: > 10%	-1.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.0% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-2.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—	—
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—
Return on Common Equity (%) (%)	0.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	0.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	-1.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-108%)	0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	-1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	-0.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-103%)	-1.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	-0.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	0.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	-1.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	-1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-108%)	-1.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	-2.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-111%)	-2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-112%)	-2.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	-2.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	-0.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-104%)	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q4 FY2020 Jan 31, 2020 10-K ↗
Debt to Equity (x)	0.30x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.27x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x)	2.79x Caution → Caution Stable Operating income divided by interest expense Optimal: > 5x	4.84x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	0.77x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	2.88x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	—	-0.37x Weak Weak Operating income divided by interest expense Optimal: > 5x	-1.47x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	-2.48x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3.72x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-15.11x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-14.17x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-6.26x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-30.38x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-31.80x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-39.63x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-42.68x Weak → Weak Stable Operating income divided by interest expense Optimal: > 5x	-55.85x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-33.57x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-39.90x Weak Weak Operating income divided by interest expense Optimal: > 5x	-57.74x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—
Net Debt (USD)	$192.07M	$160.00M	$-88.37M	$-87.59M	$-122.94M	$-133.23M	$-120.93M	$-257.89M	$-121.41M	$-129.48M	$-112.08M	$-100.47M	$-98.00M	$-98.14M	$-82.04M	$-106.45M	$-86.15M	$-78.68M	$-88.01M	$-381.08M	$-399.36M	$-386.51M	$-371.43M	$-91.18M
Debt / EBITDA (x)	11.63x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	8.42x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q4 FY2020 Jan 31, 2020 10-K ↗
Revenue per Share (USD)	$1.54	$1.47	—	$1.33	$1.29	$1.26	—	$1.20	$1.15	$1.12	—	$1.08	$1.04	$1.01	—	$0.95	$0.90	$0.86	—	$0.73	$0.70	$0.66	—	—
Basic EPS, GAAP (USD)	$0.05	$0.13	$0.08	$0.06	$-0.13	$0.05	$-0.16	$-0.05	$-0.10	$-0.03	$0.01	$-0.15	$-0.14	$-0.10	$-0.19	$-0.21	$-0.25	$-0.28	$-0.07	$-0.14	$-0.14	$-0.16	—	—
Free Cash Flow per Share (USD)	$0.32	$0.74	—	$0.04	—	$0.46	—	—	—	$0.47	—	—	—	$0.27	—	—	—	$-0.03	—	$-0.22	$0.13	$0.07	—	—
Book Value per Share (USD)	$8.84	$8.92	$9.27	$9.10	$9.15	$9.30	$9.39	$9.41	$9.32	$9.30	—	$9.10	$9.13	$9.14	—	$9.30	$9.41	$9.55	—	—	—	—	$4.54	—
Tangible Book Value per Share (USD)	$-1.39	$-0.97	$-0.19	$-0.26	$-0.12	$-0.07	$0.60	$1.55	$1.45	$1.37	—	$1.68	$1.68	$1.66	—	$1.73	$1.81	$1.91	—	—	—	—	$3.93	—
Basic Weighted Avg Shares (shares)	104.89M	108.50M	—	114.41M	115.26M	114.78M	—	115.61M	115.18M	114.20M	—	112.95M	112.40M	112.03M	—	110.90M	110.39M	110.00M	—	96.43M	95.66M	94.40M	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q4 FY2020 Jan 31, 2020 10-K ↗
Working Capital (USD)	$-43.85M	$-32.43M	$-989.00K	$1.14M	$6.45M	$12.94M	$50.74M	$169.73M	$17.77M	$14.89M	—	$17.90M	$1.07M	$-11.43M	—	$10.13M	$-14.37M	$-9.68M	—	—	—	—	$326.54M	—
LT Debt (USD)	$275.36M	$262.81M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$929.83M	$970.36M	$1.06B	$1.04B	$1.06B	$1.07B	$1.09B	$1.09B	$1.07B	$1.06B	$1.05B	$1.03B	$1.03B	$1.03B	$1.02B	$1.03B	$1.04B	$1.05B	$1.07B	—	—	—	$425.18M	—

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q4 FY2020 Jan 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$161.00M	$159.41M	$149.67M	$152.16M	$148.81M	$144.14M	$141.37M	$138.80M	$132.40M	$128.09M	$123.69M	$121.94M	$117.24M	$113.67M	$109.18M	$105.30M	$99.63M	$94.21M	$74.95M	$70.04M	$66.52M	$62.35M	—	—
Depreciation Expense (USD)	$10.06M	$10.08M	$10.26M	$10.59M	$1.46M	$10.71M	$10.21M	$1.56M	$1.58M	$8.29M	$7.93M	$2.09M	$2.12M	$9.13M	$9.19M	$1.51M	$1.39M	$8.46M	$3.87M	$2.03M	$2.01M	$2.10M	—	—
Net Income, GAAP (USD)	$5.08M	$13.64M	$8.34M	$6.54M	$-15.26M	$5.56M	$-18.61M	$-5.25M	$-11.04M	$-2.98M	$1.16M	$-16.38M	$-15.88M	$-11.24M	$-21.21M	$-23.58M	$-27.25M	$-30.69M	$-7.12M	$-13.64M	$-13.68M	$-15.01M	—	—
Operating Cash Flow (USD)	$34.20M	$81.41M	$12.94M	$5.07M	—	$54.32M	$-10.02M	—	—	$54.44M	$8.15M	—	—	$31.30M	$-22.02M	—	—	$1.25M	$-21.05M	$-19.08M	$13.34M	$7.56M	—	—

nCino, Inc.

Analytical Summary

24-Year Financial Trajectory

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