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NCNO

nCino, Inc.

Price Chart
Latest Quote

$14.60

+0.01 (+0.07%)
Current Price
Previous Close $14.59
Open $14.86
Day High $15.10
Day Low $14.52
Volume 2,511,959
Fetched: 2026-06-24T03:29:42
Stock Information
Shares Outstanding 109.55M
Total Debt $326.71M
Cash Equivalents $102.81M
Revenue $610.06M
Net Income $13.26M
Sector Technology
Industry Software - Application
Market Cap $1.60B
P/E Ratio 121.67
EPS (TTM) $0.12
Exchange NMS
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📊 Comprehensive Analysis
Company Data
Enterprise Value$1.84B
Sales$610.06M
Income$13.26M
Book/sh$8.92
Cash/sh$0.94
Employees2K
Financial Ratios
Quick Ratio0.76
Current Ratio0.89
Debt/Eq33.19
EPS Growth TTM145.30%
Returns & Margins
ROA1.15%
ROE1.81%
Gross Margin61.61%
Operating Margin13.25%
Profit Margin2.17%
Ownership
Insider Ownership2.93%
Institutional Ownership114.33%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E9.79
P/S2.62
P/B1.64
Analyst Data
Recommendationbuy
Target Price$23.17
Technical Indicators
SMA20$15.38
SMA50$16.38
SMA200$21.22
RSI32.83
ATR0.9179
Shares Float93.71M
Short Float15.39%
Short Ratio4.61
Volatility0.69
Rel Volume0.64
Performance History
Week-0.95%
Month-7.77%
Quarter-5.93%
6 Months-42.27%
YTD-40.77%
Year-44.80%
3 Years-42.66%
5 Years-76.66%
10 Years-84.06%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-06-23 $14.60 2,571,600
2026-06-22 $14.59 4,213,300
2026-06-18 $14.80 3,730,600
2026-06-17 $15.49 5,606,500
2026-06-16 $14.86 2,666,500
2026-06-15 $14.74 2,502,300
2026-06-12 $15.32 2,616,600
2026-06-11 $14.74 2,844,000
2026-06-10 $15.41 2,333,500
2026-06-09 $15.52 3,053,800
2026-06-08 $15.04 3,000,400
2026-06-05 $14.92 2,835,600
2026-06-04 $15.45 2,608,500
2026-06-03 $15.88 4,284,200
2026-06-02 $16.63 4,841,300
2026-06-01 $17.19 7,184,000
2026-05-29 $16.08 5,929,600
2026-05-28 $15.85 8,778,900
2026-05-27 $15.19 4,740,400
2026-05-26 $15.23 4,349,900
About nCino, Inc.

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.

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Income Statement (Annual)
Metric 2026-01-31 2025-01-31 2024-01-31 2023-01-31
Revenue
Reconciled Cost Of Revenue $234,612,000 $215,869,000 $191,470,000 $169,606,000
Cost Of Revenue $234,612,000 $215,869,000 $191,470,000 $169,606,000
Total Revenue $594,781,000 $540,657,000 $476,543,000 $408,315,000
Operating Revenue $594,781,000 $540,657,000 $476,543,000 $408,315,000
Expenses
Interest Expense $17,457,000 $8,763,000 $4,135,000 $2,807,000
Total Expenses $591,054,000 $558,788,000 $516,055,000 $502,328,000
Other Income Expense $19,008,000 $-10,427,000 $-856,000 $-1,356,000
Other Non Operating Income Expenses $19,008,000 $-10,427,000 $-856,000 $-1,356,000
Net Non Operating Interest Income Expense $-16,028,000 $-7,002,000 $-1,568,000 $-2,404,000
Interest Expense Non Operating $17,457,000 $8,763,000 $4,135,000 $2,807,000
Operating Expense $356,442,000 $342,919,000 $324,585,000 $332,722,000
Selling And Marketing Expense $136,560,000 $123,231,000 $130,547,000 $127,669,000
General And Administrative Expense $92,354,000 $90,266,000 $76,727,000 $83,477,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $5,180,000 $-37,878,000 $-42,346,000 $-102,720,000
Net Interest Income $-16,028,000 $-7,002,000 $-1,568,000 $-2,404,000
Interest Income $1,429,000 $1,761,000 $2,567,000 $403,000
Normalized Income $5,180,000 $-37,878,000 $-42,346,000 $-102,720,000
Net Income From Continuing And Discontinued Operation $5,180,000 $-37,878,000 $-42,346,000 $-102,720,000
Total Operating Income As Reported $3,727,000 $-18,131,000 $-39,512,000 $-94,013,000
Net Income Common Stockholders $5,180,000 $-37,878,000 $-42,346,000 $-102,720,000
Net Income $5,180,000 $-37,878,000 $-42,346,000 $-102,720,000
Net Income Including Noncontrolling Interests $9,703,000 $-33,049,000 $-43,526,000 $-101,844,000
Net Income Continuous Operations $9,703,000 $-33,049,000 $-43,526,000 $-101,844,000
Pretax Income $6,707,000 $-35,560,000 $-41,936,000 $-97,773,000
Interest Income Non Operating $1,429,000 $1,761,000 $2,567,000 $403,000
Operating Income $3,727,000 $-18,131,000 $-39,512,000 $-94,013,000
Gross Profit $360,169,000 $324,788,000 $285,073,000 $238,709,000
Per Share
Diluted EPS $0.05 $-0.33 $-0.38 $-0.93
Basic EPS $0.05 $-0.33 $-0.38 $-0.93
Other
Tax Effect Of Unusual Items $0 $0 $0 $0
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $66,419,000 $9,548,000 $7,463,000 $-60,314,000
Reconciled Depreciation $42,255,000 $36,345,000 $45,264,000 $34,652,000
EBITDA (Bullshit earnings) $66,419,000 $9,548,000 $7,463,000 $-60,314,000
EBIT $24,164,000 $-26,797,000 $-37,801,000 $-94,966,000
Diluted Average Shares $114,346,567 $115,162,175 $112,672,397 $110,615,734
Basic Average Shares $112,883,703 $115,162,175 $112,672,397 $110,615,734
Diluted NI Availto Com Stockholders $5,180,000 $-37,878,000 $-42,346,000 $-102,720,000
Minority Interests $-4,523,000 $-4,829,000 $1,180,000 $-876,000
Tax Provision $-2,996,000 $-2,511,000 $1,590,000 $4,071,000
Research And Development $127,528,000 $129,422,000 $117,311,000 $121,576,000
Selling General And Administration $228,914,000 $213,497,000 $207,274,000 $211,146,000
Other Gand A $92,354,000 $90,266,000 $76,727,000 $83,477,000
Fetched: 2026-06-20
Balance Sheet (Annual)
Metric 2026-01-31 2025-01-31 2024-01-31 2023-01-31
Assets
Net Tangible Assets $-157,690,000 $-84,634,000 $94,735,000 $31,813,000
Total Assets $1,648,106,000 $1,610,381,000 $1,340,430,000 $1,327,269,000
Total Non Current Assets $1,354,603,000 $1,308,132,000 $1,089,655,000 $1,120,076,000
Other Non Current Assets $14,707,000 $10,178,000 $10,089,000 $8,101,000
Non Current Deferred Assets $30,735,000 $23,735,000 $17,425,000 $18,229,000
Goodwill And Other Intangible Assets $1,213,605,000 $1,173,946,000 $954,441,000 $992,265,000
Other Intangible Assets $135,658,000 $154,571,000 $115,572,000 $152,825,000
Current Assets $293,503,000 $302,249,000 $250,775,000 $207,193,000
Other Current Assets $2,132,000 $1,343,000 $15,171,000 $16,274,000
Current Deferred Assets $17,211,000 $13,462,000 $10,544,000 $9,386,000
Prepaid Assets $19,246,000 $19,729,000 - -
Receivables $166,540,000 $146,787,000 $112,975,000 $99,497,000
Receivables Adjustments Allowances $-2,825,000 $-1,229,000 $-1,451,000 $-899,000
Other Receivables $29,636,000 $25,622,000 $8,256,000 $5,667,000
Accounts Receivable $139,729,000 $122,394,000 $106,170,000 $94,729,000
Cash Cash Equivalents And Short Term Investments $88,374,000 $120,928,000 $112,085,000 $82,036,000
Cash And Cash Equivalents $88,374,000 $120,928,000 $112,085,000 $82,036,000
Debt
Net Debt $125,126,000 $45,072,000 - -
Total Debt $278,695,000 $236,824,000 $74,226,000 $96,536,000
Long Term Debt And Capital Lease Obligation $273,648,000 $229,991,000 $69,103,000 $91,647,000
Long Term Debt $213,500,000 $166,000,000 - $30,000,000
Current Debt And Capital Lease Obligation $5,047,000 $6,833,000 $5,123,000 $4,889,000
Liabilities
Total Liabilities Net Minority Interest $579,454,000 $512,783,000 $287,826,000 $299,602,000
Total Non Current Liabilities Net Minority Interest $284,962,000 $261,271,000 $72,790,000 $94,444,000
Other Non Current Liabilities $4,124,000 $17,160,000 - -
Non Current Deferred Liabilities $7,190,000 $14,120,000 $3,687,000 $2,797,000
Non Current Deferred Taxes Liabilities $7,020,000 $13,851,000 $3,687,000 $2,797,000
Current Liabilities $294,492,000 $251,512,000 $215,036,000 $205,158,000
Other Current Liabilities $9,700,000 - - -
Current Deferred Liabilities $224,860,000 $191,174,000 $170,941,000 $154,871,000
Payables And Accrued Expenses $30,088,000 $29,879,000 $22,689,000 $22,775,000
Payables $14,521,000 $13,640,000 $11,842,000 $11,878,000
Accounts Payable $14,521,000 $13,640,000 $11,842,000 $11,878,000
Equity
Common Stock Equity $1,055,915,000 $1,089,312,000 $1,049,176,000 $1,024,078,000
Total Equity Gross Minority Interest $1,068,652,000 $1,097,598,000 $1,052,604,000 $1,027,667,000
Stockholders Equity $1,055,915,000 $1,089,312,000 $1,049,176,000 $1,024,078,000
Gains Losses Not Affecting Retained Earnings $7,042,000 $176,000 $996,000 $694,000
Other Equity Adjustments $7,042,000 $176,000 $996,000 $694,000
Retained Earnings $-375,773,000 $-385,335,000 $-352,758,000 $-310,341,000
Other
Treasury Shares Number $4,964,054 - - -
Ordinary Shares Number $113,904,867 $113,684,299 $113,684,299 $111,424,132
Share Issued $118,868,921 $113,684,299 $113,684,299 $111,424,132
Tangible Book Value $-157,690,000 $-84,634,000 $94,735,000 $31,813,000
Invested Capital $1,269,415,000 $1,255,312,000 $1,049,176,000 $1,054,078,000
Working Capital $-989,000 $50,737,000 $35,739,000 $2,035,000
Capital Lease Obligations $65,195,000 $70,824,000 $74,226,000 $66,536,000
Total Capitalization $1,269,415,000 $1,255,312,000 $1,049,176,000 $1,054,078,000
Minority Interest $12,737,000 $8,286,000 $3,428,000 $3,589,000
Treasury Stock $125,600,000 $0 - -
Additional Paid In Capital $1,550,187,000 $1,474,413,000 $1,400,881,000 $1,333,669,000
Capital Stock $59,000 $58,000 $57,000 $56,000
Common Stock $59,000 $58,000 $57,000 $56,000
Preferred Stock $0 $0 $0 $0
Non Current Deferred Revenue $170,000 $269,000 $0 $0
Long Term Capital Lease Obligation $60,148,000 $63,991,000 $69,103,000 $61,647,000
Current Deferred Revenue $210,552,000 $191,174,000 $170,941,000 $154,871,000
Current Capital Lease Obligation $5,047,000 $6,833,000 $5,123,000 $4,889,000
Pensionand Other Post Retirement Benefit Plans Current $24,797,000 $23,626,000 $16,283,000 $22,623,000
Current Accrued Expenses $15,567,000 $16,239,000 $10,847,000 $10,897,000
Investments And Advances $7,262,000 $9,294,000 $9,294,000 $6,531,000
Goodwill $1,077,947,000 $1,019,375,000 $838,869,000 $839,440,000
Net PPE $88,294,000 $90,979,000 $98,406,000 $94,950,000
Accumulated Depreciation $-29,816,000 $-29,004,000 $-25,192,000 $-20,403,000
Gross PPE $118,110,000 $119,983,000 $123,598,000 $115,353,000
Leases $30,536,000 $28,046,000 $27,712,000 $28,702,000
Construction In Progress $0 $627,000 $170,000 $673,000
Other Properties $12,687,000 $16,026,000 $19,261,000 $10,508,000
Machinery Furniture Equipment $18,508,000 $18,905,000 $20,076,000 $19,091,000
Buildings And Improvements $56,379,000 $56,379,000 $56,379,000 $56,379,000
Properties $0 $0 $0 $0
Fetched: 2026-06-20
Cash Flow Statement (Annual)
Metric 2026-01-31 2025-01-31 2024-01-31 2023-01-31
Free Cash Flow
Free Cash Flow $82,564,000 $53,383,000 $53,770,000 $-33,719,000
Operating Activities
Operating Cash Flow $90,065,000 $55,199,000 $57,285,000 $-15,381,000
Cash Flow From Continuing Operating Activities $90,065,000 $55,199,000 $57,285,000 $-15,381,000
Operating Gains Losses $-17,462,000 $8,710,000 $557,000 $1,548,000
Investing Activities
Capital Expenditure $-7,501,000 $-1,816,000 $-3,515,000 $-18,338,000
Investing Cash Flow $-54,080,000 $-219,177,000 $-6,328,000 $-20,725,000
Cash Flow From Continuing Investing Activities $-54,080,000 $-219,177,000 $-6,328,000 $-20,725,000
Net Other Investing Changes - $-450,000 $-356,000 $-563,000
Financing Activities
Repurchase Of Capital Stock $-125,097,000 $0 $0 -
Financing Cash Flow $-73,032,000 $170,478,000 $-21,113,000 $36,712,000
Cash Flow From Continuing Financing Activities $-73,032,000 $170,478,000 $-21,113,000 $36,712,000
Net Other Financing Charges $-1,634,000 $-2,786,000 $-243,000 $-1,488,000
Net Common Stock Issuance $-125,097,000 $0 $0 $0
Issuance Of Capital Stock - - - $0
Common Stock Issuance - - - $0
Other
Repayment Of Debt $-65,000,000 $-75,000,000 $-30,000,000 $-20,000,000
Issuance Of Debt $112,500,000 $241,000,000 $0 $50,000,000
Interest Paid Supplemental Data $15,977,000 $8,745,000 $4,315,000 $2,617,000
End Cash Position $88,685,000 $121,267,000 $117,444,000 $87,418,000
Beginning Cash Position $121,267,000 $117,444,000 $87,418,000 $88,399,000
Effect Of Exchange Rate Changes $4,465,000 $-2,677,000 $182,000 $-1,587,000
Changes In Cash $-37,047,000 $6,500,000 $29,844,000 $606,000
Proceeds From Stock Option Exercised $6,199,000 $7,264,000 $9,130,000 $8,200,000
Common Stock Payments $-125,097,000 $0 $0 -
Net Issuance Payments Of Debt $47,500,000 $166,000,000 $-30,000,000 $30,000,000
Net Long Term Debt Issuance $47,500,000 $166,000,000 $-30,000,000 $30,000,000
Long Term Debt Payments $-65,000,000 $-75,000,000 $-30,000,000 $-20,000,000
Long Term Debt Issuance $112,500,000 $241,000,000 $0 $50,000,000
Net Investment Purchase And Sale $3,684,000 $0 $-2,500,000 $-2,500,000
Sale Of Investment $3,684,000 $0 $0 -
Purchase Of Investment $0 $0 $-2,500,000 $-2,500,000
Net Business Purchase And Sale $-50,263,000 $-216,911,000 $0 $676,000
Purchase Of Business $-50,263,000 $-216,911,000 $0 -
Net PPE Purchase And Sale $-7,501,000 $-1,816,000 $-3,472,000 $-18,338,000
Sale Of PPE $0 $0 $43,000 $0
Purchase Of PPE $-7,501,000 $-1,816,000 $-3,515,000 $-18,338,000
Change In Working Capital $-34,776,000 $-38,460,000 $-16,438,000 $-14,878,000
Change In Other Working Capital $-14,220,000 $-7,646,000 $5,554,000 $21,292,000
Change In Other Current Liabilities $-3,523,000 $-2,340,000 $-4,083,000 $-4,767,000
Change In Payables And Accrued Expense $-1,040,000 $9,975,000 $-5,456,000 $-1,175,000
Change In Accrued Expense $-2,148,000 $10,165,000 $-5,981,000 $-1,210,000
Change In Payable $1,108,000 $-190,000 $525,000 $35,000
Change In Account Payable $1,108,000 $-190,000 $525,000 $35,000
Change In Prepaid Assets $182,000 $-7,060,000 $1,872,000 $-3,433,000
Change In Receivables $-16,175,000 $-31,389,000 $-14,325,000 $-26,795,000
Changes In Account Receivables $-16,175,000 $-31,389,000 $-14,325,000 $-26,795,000
Other Non Cash Items $20,932,000 $17,094,000 $14,652,000 $12,476,000
Stock Based Compensation $73,884,000 $71,592,000 $58,035,000 $50,232,000
Provisionand Write Offof Assets $1,716,000 $85,000 $1,081,000 $806,000
Deferred Tax $-6,187,000 $-7,118,000 $-2,340,000 $1,627,000
Deferred Income Tax $-6,187,000 $-7,118,000 $-2,340,000 $1,627,000
Depreciation Amortization Depletion $42,255,000 $36,345,000 $45,264,000 $34,652,000
Depreciation And Amortization $42,255,000 $36,345,000 $45,264,000 $34,652,000
Gain Loss On Investment Securities $-1,652,000 - $-263,000 -
Net Foreign Currency Exchange Gain Loss $-16,273,000 $8,675,000 $670,000 $1,548,000
Gain Loss On Sale Of PPE $463,000 $35,000 $150,000 $0
Net Income From Continuing Operations $9,703,000 $-33,049,000 $-43,526,000 $-101,844,000
Income Tax Paid Supplemental Data - $3,565,000 $3,165,000 $664,000
Unrealized Gain Loss On Investment Securities - $0 $-263,000 $0
Sale Of Business - - - $676,000
Fetched: 2026-06-20