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nCino Inc.

NCNO Technology Software Application

nCino Inc.’s revenue for fiscal 2026 (year ended January 2026) was $594.8 million, up 10.0% from fiscal 2025.

Revenue
+8.19%
EPS
+138.5%
Free cash flow
+170.1%
Total debt
+27.6%

Quarter to July 2026, against a year earlier

23.20 0.24 −1.02%
Market cap
$2.5B
P/E
74.8×
Fwd P/E
72.0×
Dividend yield
—
F-score
6/9
Altman Z
2.49
Beneish M
−2.65
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 8.91
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 2 1 5 — 7 7 1 1 6 2 2 5
Insider Ownership 6.75%

Capital & Financial Ratios $m

Size
Market Cap 2,450.00
Revenue ttm 622.24
Net income ttm 38.79
Free cash flow ttm 132.17
Net debt Q 242.64
Valuation
P/E 74.84 (above 35: high)
Forward P/E 72.00 (above 35: high)
Price / sales 3.91
Forward P/S Powerpack
Price / FCF 18.41
Price / book 2.62
Financial health
Current ratio Q 0.85 (below 1: weak)
Debt / equity Q 0.35 (at or below 0.5: strong)
Interest coverage Q 2.61
Growth
Revenue growth Q +8.19% (above 0%: growing)
Operating income growth Q +246.45% (above 0%: growing)
EPS, this year +22.95% (at or above 15%: strong)
EPS, next year A +19.94% (at or above 15%: strong)
Revenue, next year A +8.61%
EPS, past 5 yrs —
EPS, next 5 yrs A +19.38% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 4.3×, against a ten-year median of 7.6×; over the ten years it ranged from 3.1× in 2026 to 44.0× in 2020.
P/S against its own 10 years 11.78%
10-year low 10-year high
P/B against its own 10 years 16.25%
10-year low 10-year high
EV/Sales against its own 10 years 11.84%
10-year low 10-year high
EV/FCF against its own 10 years 11.73%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 112 121 88 83
Receivables 113 147 167 122
Inventory — — — —
Other 11 13 17 17
251 302 294 243
2024 2025 2026 Q'26
Payables 12 14 15 15
ST’ Debt 1 2 1 10
Other — — — —
215 252 294 287

Compound Annual Growth %

10y 5y 3y
Sales — 23.83% 13.36%
Cash Flow — 57.74% 0.00%
Earnings — 0.00% 0.00%
Book Value — 19.95% 1.03%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY27 Estimate 0.28 Actual 0.30

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY26 0.20 0.31 Beat by 0.11
Q4 FY26 0.21 0.37 Beat by 0.16
Q1 FY27 0.28 0.33 Beat by 0.05
Q2 FY27 0.28 0.30 Beat by 0.02
Q3 FY27 0.34 — Reports 2 December 2026

EPS $

Apr Jul Oct Jan Year
’26 0.12 0.05 — — —
’26 0.05 (0.13) 0.06 0.07 0.05
’25 (0.03) (0.10) (0.05) (0.16) (0.33)
’24 (0.10) (0.14) (0.15) 0.01 (0.38)
’23 (0.28) (0.25) (0.21) (0.19) (0.93)
’22 (0.16) (0.14) (0.14) (0.07) (0.51)
’21 (0.06) (0.17) (0.10) (0.12) (0.46)
Fiscal quarters ending in the months shown.

Revenue $m

Apr Jul Oct Jan Year
’26 159 161 — — —
’26 144 149 152 150 595
’25 128 132 139 141 541
’24 114 117 122 124 477
’23 94 100 105 109 408
’22 62 67 70 75 274
’21 45 49 54 57 204
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Apr Jul Oct Jan Year
’26 81 34 — — —
’26 54 18 5 13 90
’25 54 5 6 (10) 55
’24 31 12 6 8 57
’23 1 9 (4) (22) (15)
’22 8 13 (19) (21) (19)
’21 8 23 (11) (12) 9
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Apr Jul Oct Jan Year
’26 81 34 — — —
’26 53 13 5 12 83
’25 54 4 5 (10) 53
’24 29 11 5 8 53
’23 (3) 5 (9) (26) (34)
’22 7 13 (21) (23) (25)
’21 7 22 (12) (13) 5
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to January

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Jul ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue — 58 92 138 204 274 408 477 541 595 622 +33.7% 646 701 763 +8.6%
Gross margin, % — 46.52 49.25 53.63 56.86 59.32 58.46 59.82 60.07 60.55 62.24 +14.0 pt
EBT — (19) (22) (27) (41) (74) (98) (42) (36) 7 33 n/m
EBT margin, % — (31.89) (24.16) (19.65) (19.91) (27.00) (23.95) (8.80) (6.58) 1.13 5.35 +33.0 pt
Net income — 0 (22) (28) (41) (50) (102) (44) (33) 10 39 n/m
Per share, $
Per share, $ Revenue — 0.65 1.23 1.76 2.33 2.83 3.69 4.23 4.69 5.27 5.93 +29.9%
Earnings — (0.21) (0.30) (0.35) (0.46) (0.51) (0.93) (0.38) (0.33) 0.05 0.31 n/m
Cash flow — (0.18) (0.06) (0.11) 0.11 (0.20) (0.14) 0.51 0.48 0.80 1.27 n/m
Capex — 0.00 (0.11) (0.07) (0.05) (0.06) (0.17) (0.03) (0.02) (0.07) (0.01) n/m
Free cash flow — (0.18) (0.17) (0.19) 0.06 (0.26) (0.31) 0.47 0.46 0.73 1.26 n/m
Book value — 0.87 0.00 2.14 4.85 11.04 9.26 9.31 9.46 9.35 8.87 +34.6%
Shares, m — 90 75 78 88 97 111 113 115 113 110 +2.9%
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 418.40 74.84 46.5
P/S — 48.81 48.81 48.81 30.84 16.19 7.75 7.44 7.24 3.97 3.91 24.4
P/B — 45.58 45.58 45.58 14.82 4.15 3.09 3.38 3.60 2.24 2.62 18.7
EV/Sales — 48.16 48.16 48.16 29.10 15.99 7.76 7.32 7.43 4.27 4.30 24.0
EV/FCF — (995.56) (995.56) (995.56) 1,217.32 (177.34) (92.38) 65.27 75.84 30.74 20.25 (207.5)
Cash, $m
Cash, $m Operating cash flow — (16) (5) (9) 9 (19) (15) 57 55 90 134 n/m
Capex — (3) (8) (6) (4) (5) (19) (4) (2) (8) (1) +12.9%
Free cash flow — (16) (13) (15) 5 (25) (34) 53 53 83 132 n/m
Balance, $m
Balance, $m Working capital — 74 57 69 327 9 2 36 51 (1) (44) n/m
Net debt — (81) (74) (91) (355) (54) 3 (58) 98 176 243 n/m
Shareholders’ equity — 78 — 167 425 1,068 1,024 1,049 1,089 1,056 930 +38.5%
Returns, %
Returns, % ROA — (15.96) 0.00 (22.06) (9.97) (5.30) (7.82) (3.17) (2.57) 0.32 2.11 +16.3 pt
ROIC — 0.00 0.00 (23.14) (38.03) (4.40) (5.72) (2.49) (0.95) 0.19 2.63 +0.2 pt
ROE — (25.81) (30.98) (23.66) (13.68) (6.62) (9.82) (4.08) (3.54) 0.48 3.38 +26.3 pt
People
People Employees — — — 934 1,115 1,681 1,791 1,653 1,833 1,684 — +10.3%
Revenue/emp, $m — 0.00 0.00 0.15 0.18 0.16 0.23 0.29 0.29 0.35 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jan 2026 · latest quarter Jul 2026 · fundamentals updated 25 Oct 2026

nCino Inc. vs peers in Software Application (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
VERX Vertex, Inc. $2.9B 511× 71.3× +11.02% (above 0%: growing) n/m +76.75% (above 0%: growing) 65.74% 0.15% Compare
BULL Webull Corporation $2.6B 48.5× — +51.21% (above 0%: growing) n/m −454,633.33% (below 0%: shrinking) 77.70% 22.86% Compare
ASAN Asana, Inc. $2.6B — (loss-making) — (loss-making) +9.90% (above 0%: growing) n/m +390.69% (above 0%: growing) 85.99% (19.05%) Compare
BLKB Blackbaud, Inc. $2.5B 17.0× 15.3× +4.09% (above 0%: growing) +4.07% (above 0%: growing) +2.26% (above 0%: growing) 60.75% 20.49% Compare
NCNO nCino Inc. $2.5B 74.8× 72.0× +8.19% (above 0%: growing) n/m +170.13% (above 0%: growing) 62.59% 8.46%
KC Kingsoft Cloud Holdings Limited Sponsored ADR $2.5B — (loss-making) — (loss-making) +38.06% (above 0%: growing) n/m +43.68% (above 0%: growing) 15.18% 0.75% Compare
GRND Grindr Inc. $2.4B 26.9× 25.0× +32.54% (above 0%: growing) +25.00% (above 0%: growing) +3.61% (above 0%: growing) 74.98% 23.53% Compare
PLUS ePlus inc. $2.2B 17.9× 19.1× +0.99% (above 0%: growing) −27.78% (below 0%: shrinking) +175.78% (above 0%: growing) 23.31% 5.98% Compare
AMPL Amplitude, Inc. $2.0B — (loss-making) — (loss-making) +24.93% (above 0%: growing) n/m +73.60% (above 0%: growing) 67.24% (22.25%) Compare
Median of peers $2.5B 26.9× 22.1× +17.98% +4.07% +58.64% 66.49% 3.37%

All 230 Software Application stocks →

Pay and ownership Proxy statement filed 8 May 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 9.09m 3.61m 29.78
2025 8.50m 8.94m 47.43
2024 7.83m 10.27m 43.91
2023 8.06m 1.79m 39.89
2022 7.82m 1.34m 63.92

Ownership

Directors and executive officers, together 1.90%
Entities affiliated with HMI Capital Partners, L.P 6.20%
Kayne Anderson Rudnick Investment Management, LLC 5.40%
Capital International Investors 5.40%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

nCino Inc. (NCNO) Latest News

20 Oct

Impact 4 · · Simply Wall St.

12 Oct

Impact 4 · · GlobeNewswire

8 Oct

Impact 4 · · Business Wire

23 Sep

Impact 3 · · Simply Wall St.

8 Sep

Impact 4 · · The Motley Fool

3 Sep

Impact 3 ·

1 Sep

Impact 3 · · The Motley Fool transcript

27 Aug

Impact 4 ·
Impact 3 ·

26 Aug

Impact 4 ·
Impact 3 · · Moby transcript
Impact 3 ·
Impact 3 · transcript

25 Aug

Impact 3 · · MarketBeat transcript
Impact 3 ·
Impact 3 ·
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24 Aug

Impact 3 ·

14 Aug

Impact 3 ·

13 Aug

Impact 3 ·

8 Aug

Impact 4 ·

7 Aug

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6 Aug

Impact 3 · · The Motley Fool

14 Jul

Impact 3 ·

11 Jul

Impact 3 ·

1 Jul

Impact 4 ·

13 Jun

Impact 4 ·

3 Jun

Impact 3 · · StockStory

29 May

Impact 4 · · Simply Wall St.

28 May

Impact 3 · · The Motley Fool transcript

NCNO metrics, ten years each

stockrow.com/NCNO · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com