nCino
NCNO
19.09
-0.03
-0.16%
nCino
US · NCNO
#2775 by market cap
Listed 2020
19.09
-0.03
-0.16%
Live - 5344 symbols - heartbeat 227s ago
· 2026-10-08 06:53
Pre-market
19.10
+0.05%
After-hours
19.09
0.00%
- Market cap
- 2.02B
- P/E (TTM)i
- 61.58
- P/Bi
- 2.17
- EPSi
- 0.05
- Div yieldi
- 0.00%
- 52W posi
- 39%
Reader sentiment
Are you bullish or bearish on NCNO?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 2.14, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +10.01% YoY
Margins
- Gross margin
- 60.55%
- Operating margin
- 0.63%
- Net margin
- 0.87%
Key ratios & quality
- Enterprise valuei
- 2.15B
- Altman Z-Scorei
- 2.14
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 91.53M | 138.18M | 204.29M | 273.87M | 408.32M | 476.54M | 540.66M | 594.78M |
| Gross profit | 45.08M | 74.11M | 116.16M | 162.45M | 238.71M | 285.07M | 324.79M | 360.17M |
| Selling & admin expenses | 46.07M | 66.98M | 100.50M | 154.45M | 211.15M | 207.27M | 213.50M | 228.91M |
| Research & development | 22.23M | 35.30M | 58.26M | 79.36M | 121.58M | 117.31M | 129.42M | 127.53M |
| Operating profit | -23.22M | -28.17M | -42.61M | -71.36M | -94.01M | -39.51M | -18.13M | 3.73M |
| Pretax profit | -22.11M | -27.15M | -40.68M | -73.95M | -97.77M | -41.94M | -35.56M | 6.71M |
| Tax | 194.00K | 586.00K | 586.00K | -23.83M | 4.07M | 1.59M | -2.51M | -3.00M |
| Net profit | -22.31M | -27.74M | -41.27M | -50.12M | -101.84M | -43.53M | -33.05M | 9.70M |
| Basic EPS | 0 | 0 | 0 | -1 | -1 | 0 | 0 | 0 |
| Diluted EPS | -0.25 | -0.31 | -0.46 | -0.51 | -0.93 | -0.38 | -0.33 | 0.05 |
| Line item | 2025-04 | 2025-07 | 2025-10 | 2026-01 | 2026-04 | 2026-07 |
|---|---|---|---|---|---|---|
| Revenue | 144.14M | 148.82M | 152.16M | 149.67M | 159.41M | 161.00M |
| Gross profit | 86.44M | 88.13M | 93.69M | 91.92M | 100.94M | 100.77M |
| Selling & admin expenses | 54.61M | 62.75M | 52.43M | 59.12M | 50.95M | 56.13M |
| Research & development | 33.34M | 34.67M | 29.54M | 29.98M | 28.87M | 31.03M |
| Operating profit | -1.51M | -9.30M | 11.72M | 2.82M | 21.12M | 13.61M |
| Pretax profit | 10.55M | -12.51M | 7.92M | 746.00K | 16.67M | 7.92M |
| Tax | 4.53M | 1.21M | -695.00K | -8.04M | 1.68M | 1.53M |
| Net profit | 6.02M | -13.72M | 8.62M | 8.79M | 14.99M | 6.40M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.05 | -0.13 | 0.06 | 0.07 | 0.12 | 0.05 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 109.17M | 145.28M | 442.23M | 183.51M | 207.19M | 250.78M | 302.25M | 293.50M |
| Cash & ST investments | 74.35M | 91.18M | 371.43M | 88.01M | 82.04M | 112.09M | 120.93M | 88.37M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 119.97M | 250.15M | 563.40M | 1.30B | 1.33B | 1.34B | 1.61B | 1.65B |
| Total current liabilities | 52.41M | 76.58M | 115.69M | 174.38M | 205.16M | 215.04M | 251.51M | 294.49M |
| Short-term debt | -- | -- | 324.00K | 4.17M | 4.89M | 5.12M | 6.83M | 5.05M |
| Long-term debt | -- | -- | -- | -- | 30.00M | -- | 166.00M | 213.50M |
| Total liabilities | 53,930,000.00 | 78,522,000.00 | 134,431,000.00 | 230,507,000.00 | 299,602,000.00 | 287,826,000.00 | 512,783,000.00 | 579,454,000.00 |
| Total equity | 66.04M | 171.63M | 428.97M | 1.07B | 1.03B | 1.05B | 1.10B | 1.07B |
| Retained earnings | -104.75M | -120.92M | -161.06M | -209.62M | -310.34M | -352.76M | -385.34M | -375.77M |
| Line item | 2025-04 | 2025-07 | 2025-10 | 2026-01 | 2026-04 | 2026-07 |
|---|---|---|---|---|---|---|
| Total current assets | 273.68M | 255.09M | 209.22M | 293.50M | 267.43M | 242.90M |
| Cash & ST investments | 133.23M | 122.94M | 87.59M | 88.37M | 102.81M | 83.29M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 1.65B | 1.62B | 1.56B | 1.65B | 1.61B | 1.57B |
| Total current liabilities | 260.74M | 248.64M | 208.08M | 294.49M | 299.86M | 286.76M |
| Short-term debt | 6.80M | 6.03M | 5.96M | 5.05M | 14.61M | 13.89M |
| Long-term debt | 208.50M | 203.50M | 203.50M | 213.50M | 253.01M | 265.56M |
| Total liabilities | 569,995,000.00 | 548,854,000.00 | 507,251,000.00 | 579,454,000.00 | 623,384,000.00 | 626,517,000.00 |
| Total equity | 1.08B | 1.07B | 1.05B | 1.07B | 984.45M | 945.24M |
| Retained earnings | -379.39M | -393.04M | -384.39M | -375.77M | -361.43M | -355.75M |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -4.59M | -9.00M | 9.22M | -19.23M | -15.38M | 57.29M | 55.20M | 90.07M |
| Depreciation & amortization | 1.46M | 4.61M | 7.43M | 10.01M | 34.65M | 45.26M | 36.35M | 42.26M |
| Free cash flow | -12.55M | -14.76M | 4.88M | -24.69M | -33.72M | 53.77M | 53.38M | 82.56M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | 80.00M | 268.38M | -- | -- | 0 | 0 | -125.10M |
| Ending cash balance | 74.35M | 91.18M | 371.43M | 88.40M | 87.42M | 117.44M | 121.27M | 88.69M |
| Line item | 2025-04 | 2025-07 | 2025-10 | 2026-01 | 2026-04 | 2026-07 |
|---|---|---|---|---|---|---|
| Operating cash flow | 54.32M | 17.74M | 5.07M | 12.94M | 81.41M | 34.20M |
| Depreciation & amortization | 10.71M | 10.70M | 10.59M | 10.26M | 10.08M | 10.06M |
| Free cash flow | 52.60M | 12.59M | 4.90M | 12.48M | 80.79M | 34.00M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -40.59M | -20.01M | -39.48M | -25.02M | -110.08M | -65.58M |
| Ending cash balance | 133.58M | 123.22M | 87.88M | 88.69M | 103.13M | 83.60M |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | -33.78 | -23.65 | -13.68 | -6.62 | -9.82 | -4.09 | -3.54 | 0.48 |
| ROA %i | -18.59 | -14.91 | -9.97 | -5.30 | -7.82 | -3.17 | -2.57 | 0.32 |
| ROIC %i | -35.10 | -24.27 | -13.03 | -6.23 | -9.02 | -3.67 | -2.56 | 1.11 |
| 5-year avg ROE %i | -- | -- | -- | -- | -17.51 | -11.57 | -7.55 | -4.72 |
| EBIT margin %i | -24.16 | -20.39 | -19.85 | -26.45 | -23.26 | -7.93 | -4.96 | 4.06 |
| FCF / sales %i | -- | -- | 2.39 | -- | -- | 11.28 | 9.87 | 13.88 |
| Current ratioi | 2.08 | 1.90 | 3.82 | 1.05 | 1.01 | 1.17 | 1.20 | 1.00 |
| Quick ratioi | 1.99 | 1.76 | 3.69 | 0.93 | 0.88 | 1.05 | 1.06 | 0.87 |
| Debt / assetsi | -- | 0.00 | 2.89 | 3.75 | 7.27 | 5.54 | 14.71 | 16.91 |
| LT debt / equityi | -- | -- | 3.75 | 4.18 | 8.95 | 6.59 | 21.11 | 25.92 |
| Interest coveragei | -- | -- | -311.95 | -47.85 | -33.83 | -9.14 | -3.06 | 1.38 |
| Revenue CAGR (3Y) %i | -- | -- | 52.03 | 44.10 | 43.50 | 32.62 | 25.45 | 13.36 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | 122.46 | -- | -- |
| Line item | 2025-04 | 2025-07 | 2025-10 | 2026-01 | 2026-04 | 2026-07 |
|---|---|---|---|---|---|---|
| ROE %i | -2.75 | -3.15 | -2.04 | 0.48 | 1.30 | 3.38 |
| ROA %i | -1.91 | -2.22 | -1.41 | 0.32 | 0.81 | 2.11 |
| ROIC %i | -1.71 | -1.93 | -0.78 | 1.11 | 1.73 | 3.38 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -1.44 | -1.50 | 0.60 | 4.06 | 4.97 | 8.28 |
| FCF / sales %i | 9.32 | 10.45 | 10.18 | 13.88 | 18.15 | 21.24 |
| Current ratioi | 1.05 | 1.03 | 1.01 | 1.00 | 0.89 | 0.85 |
| Quick ratioi | 0.91 | 0.89 | 0.84 | 0.87 | 0.76 | 0.72 |
| Debt / assetsi | 16.86 | 16.68 | 17.25 | 16.91 | 20.32 | 21.54 |
| LT debt / equityi | 25.33 | 24.93 | 25.29 | 25.92 | 32.16 | 34.92 |
| Interest coveragei | -0.68 | -0.60 | 0.21 | 1.38 | 1.73 | 2.82 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-08 06:53:43 · For reference only, not investment advice and not tailored to your situation.