Company Overview
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
Why Investors Should Care
Revenue has grown at a 27.5% CAGR over the past five years.
Carries low leverage with a debt-to-equity ratio of 0.36.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Jan 2026 Revenue of $594.78M (+10.0% YoY); net profit $5.18M.
- Trailing 12 Months Year-on-year growth — revenue +8.2%, earnings +147.6%.
- 5-Year Trend Long-term compounding — revenue CAGR 27.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 27.54% |
| 1 Year: | 8.20% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 147.60% |
Stock Price Performance
| 1 Year: | -21.35% |
| 6 Months: | +36.08% |
| 3 Months: | +47.21% |
| 1 Month: | +15.49% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- Golden Cross2d ago
- RSI (14)58.29 · Neutral
P/E of 71.42 is above the sector median of 29.22 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 27.5% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Trading at a high P/E of 71.4.
- Trading 32.3% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | NCNO nCino, Inc. R3KTECHAI | 22.14 | 71.42 | $2.34B | 0.00% | 0.28% | 3.85% | 27.54% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 225.73 | 28.50 | $5.45T | 0.46% | 74.66% | 117.21% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 316.22 | 36.22 | $4.61T | 0.34% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 493.95 | 27.49 | $3.67T | 0.79% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 439.00 | 32.71 | $2.28T | 0.95% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 368.56 | 46.95 | $1.75T | 0.71% | 16.70% | 44.25% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,000.26 | 22.59 | $1.13T | 0.05% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 505.74 | 128.36 | $825.61B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,764.85 | 59.89 | $677.88B | 0.51% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Apr 2021 | Jul 2021 | Oct 2021 | Apr 2022 | Jul 2022 | Oct 2022 | Apr 2023 | Jul 2023 | Oct 2023 | Apr 2024 | Jul 2024 | Oct 2024 | Apr 2025 | Jul 2025 | Oct 2025 | Jan 2026 | Apr 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 62.35M | 66.52M | 70.04M | 94.21M | 99.63M | 105.30M | 113.67M | 117.24M | 121.94M | 128.09M | 132.40M | 138.80M | 144.14M | 148.81M | 152.16M | 149.67M | 159.41M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 57.70M | 60.69M | 58.48M | 57.75M | 58.48M |
| Gross Profit | 36.06M | 39.94M | 42.78M | 53.91M | 58.41M | 62.14M | 67.48M | 69.19M | 73.92M | 76.91M | 78.47M | 85.05M | 86.44M | 88.12M | 93.69M | 91.92M | 100.94M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | 87.95M | 97.42M | 81.97M | 89.10M | 79.82M |
| Operating Income | -15.47M | -13.17M | -12.72M | -27.23M | -25.01M | -18.44M | -8.63M | -14.79M | -12.91M | -3.66M | -7.91M | -824.00K | -1.51M | -9.30M | 11.72M | 2.82M | 21.12M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | 25.71M | 2.64M | 22.85M | 15.23M | 31.23M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | 4.45M | 4.44M | 4.33M | 4.23M | 4.48M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | 10.55M | -12.51M | 7.92M | 746.00K | 16.67M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | 4.53M | 1.21M | -695.00K | -8.04M | 1.68M |
| Net Income | -15.01M | -13.68M | -13.64M | -30.69M | -27.25M | -23.58M | -11.24M | -15.88M | -16.38M | -2.98M | -11.04M | -5.25M | 5.56M | -15.26M | 6.54M | 8.34M | 13.64M |
| Diluted EPS | -0.16 | -0.14 | -0.14 | -0.28 | -0.25 | -0.21 | -0.10 | -0.14 | -0.15 | -0.03 | -0.10 | -0.05 | 0.05 | -0.13 | 0.06 | 0.07 | 0.12 |
| R&D Expense | 17.43M | 18.61M | 19.96M | 29.11M | 29.70M | 29.47M | 28.20M | 29.89M | 29.04M | 29.98M | 34.27M | 33.04M | 33.34M | 34.67M | 29.54M | - | 28.86M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Jan 2020 | Jan 2021 | Jan 2022 | Jan 2023 | Jan 2024 | Jan 2025 | Jan 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | 138.18M | 204.29M | 273.87M | 408.31M | 476.54M | 540.66M | 594.78M |
| Cost of Revenue | - | - | - | 169.61M | 191.47M | 215.87M | 234.61M |
| Gross Profit | 74.11M | 116.16M | 162.45M | 238.71M | 285.07M | 324.79M | 360.17M |
| Operating Expenses | - | - | - | 332.72M | 324.58M | 342.92M | 356.44M |
| Operating Income | -28.17M | -42.61M | -71.36M | -94.01M | -39.51M | -18.13M | 3.73M |
| EBITDA | - | - | - | -60.31M | 7.46M | 9.55M | 66.42M |
| Interest Expense | - | - | - | 2.81M | 4.13M | 8.76M | 17.46M |
| Pretax Income | - | - | - | -97.77M | -41.94M | -35.56M | 6.71M |
| Tax Provision | - | - | - | 4.07M | 1.59M | -2.51M | -3.00M |
| Net Income | -27.59M | -40.54M | -49.45M | -102.72M | -42.35M | -37.88M | 5.18M |
| Diluted EPS | -0.35 | -0.46 | -0.51 | -0.93 | -0.38 | -0.33 | 0.05 |
| R&D Expense | 35.30M | 58.26M | 79.36M | 121.58M | 117.31M | 129.42M | 127.53M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Jan 2019 | Jan 2020 | Jan 2021 | Jan 2022 | Jan 2023 | Jan 2024 | Jan 2025 | Jan 2026 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 563.40M | - | 1.33B | 1.34B | 1.61B | 1.65B |
| Current Assets | - | - | - | - | 207.19M | 250.78M | 302.25M | 293.50M |
| Cash & Equivalents | - | 91.18M | 371.43M | - | 82.04M | 112.08M | 120.93M | 88.37M |
| Inventory | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | 94.73M | 106.17M | 122.39M | 139.73M |
| Total Liabilities | - | - | 134.43M | - | 299.60M | 287.83M | 512.78M | 579.45M |
| Current Liabilities | - | - | 115.69M | - | 205.16M | 215.04M | 251.51M | 294.49M |
| Long Term Debt | - | - | - | - | 30.00M | - | 166.00M | 213.50M |
| Total Debt | - | - | - | - | 96.54M | 74.23M | 236.82M | 278.69M |
| Total Equity | 66.04M | 167.27M | 425.18M | - | 1.02B | 1.05B | 1.09B | 1.06B |
| Shares Outstanding | - | - | - | - | 111.42M | 113.68M | 113.68M | 118.87M |
Cash Flows (Annual)
Figures in USD.
| Metric | Jan 2020 | Jan 2021 | Jan 2022 | Jan 2023 | Jan 2024 | Jan 2025 | Jan 2026 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -9.00M | 9.22M | - | -15.38M | 57.28M | 55.20M | 90.06M |
| Investing Cash Flow | -58.03M | -4.34M | - | -20.73M | -6.33M | -219.18M | -54.08M |
| Financing Cash Flow | 84.09M | 274.12M | - | 36.71M | -21.11M | 170.48M | -73.03M |
| Capital Expenditure | -5.76M | -4.34M | - | -18.34M | -3.52M | -1.82M | -7.50M |
| Free Cash Flow | -14.76M | 4.88M | - | -33.72M | 53.77M | 53.38M | 82.56M |
| Net Change in Cash | - | - | - | 606.00K | 29.84M | 6.50M | -37.05M |
| Share Buybacks | - | - | - | - | 0 | 0 | 125.10M |
Ratios (Annual)
Figures in %.
| Metric | Jan 2020 | Jan 2021 | Jan 2022 | Jan 2023 | Jan 2024 | Jan 2025 | Jan 2026 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | 53.6% | 56.9% | 59.3% | 58.5% | 59.8% | 60.1% | 60.6% |
| Operating Margin % | -20.4% | -20.9% | -26.1% | -23.0% | -8.3% | -3.4% | 0.6% |
| Net Margin % | -20.0% | -19.8% | -18.1% | -25.2% | -8.9% | -7.0% | 0.9% |
| ROE % | -16.5% | -9.5% | - | -10.0% | -4.0% | -3.5% | 0.5% |
| ROCE % | - | -9.5% | - | -8.4% | -3.5% | -1.3% | 0.3% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.53% | 9.02M | $189.89M |
| 2 | Vanguard Portfolio Management LLC | 7.40% | 7.83M | $164.76M |
| 3 | Senvest Management LLC | 6.93% | 7.33M | $154.22M |
| 4 | AQR Capital Management, LLC | 6.72% | 7.10M | $149.50M |
| 5 | Bank of America Corporation | 4.88% | 5.16M | $108.56M |
| 6 | American Capital Management, Inc. | 4.83% | 5.11M | $107.51M |
| 7 | HMI Capital Management, LP | 4.72% | 4.99M | $105.05M |
| 8 | Bank of Montreal /CAN/ | 4.46% | 4.71M | $99.16M |
| 9 | Vanguard Capital Management LLC | 4.22% | 4.46M | $93.93M |
| 10 | ClearBridge Investments, LLC | 3.70% | 3.91M | $82.38M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for NCNO
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NCNO — Frequently Asked Questions
What is the current share price of nCino, Inc. (NCNO)?
As of 2026-09-19 21:16 PDT, nCino, Inc. (NCNO) trades at $22.14 on NasdaqGS. Its 52-week range is $14.01 to $32.69.
What is the market capitalisation of NCNO?
nCino, Inc. (NCNO) has a market capitalisation of $2.34B on NasdaqGS.
What is the P/E ratio of NCNO?
NCNO trades at a trailing price-to-earnings (P/E) ratio of 71.42. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 2.38.
What is the return on equity (ROE) of NCNO?
NCNO has a return on equity (ROE) of 3.85%. Its return on capital employed (ROCE) is 0.28%.
Is NCNO a good stock to buy?
This page provides a data-driven analysis of nCino, Inc. (NCNO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.