Saturday 17 October 2026
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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. In the quarter to July 2026, revenue grew 8.19%, EPS grew 138.5%, free cash flow grew 170.1% and total debt rose 27.6%, each against the same quarter a year earlier. Revenue growth for five consecutive years.
20.51
0.61
−2.89%
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| Jan '18 | Jan '19 | Jan '20 | Jan '21 | Jan '22 | Jan '23 | Jan '24 | Jan '25 | Jan '26 | |
|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | — | 4 | 2 | 7 | 6 | 6 |
P/E ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 418.40 |
Altman Z-Score |
— | — | — | 27.70 | 11.21 | 6.01 | 7.23 | 4.51 | 2.49 |
P/S ratio |
48.81 | 48.81 | 48.81 | 30.84 | 16.19 | 7.75 | 7.44 | 7.24 | 3.97 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 1,290.04 | 0.00 | 0.00 | 66.35 | 73.99 | 28.60 |
Altman Z″-Score (non-manufacturers) |
— | — | 1.59 | 5.59 | 3.96 | 2.32 | 2.90 | 1.55 | 1.14 |
P/Operating CF |
886.24 | 886.24 | 886.24 | (528.35) | (210.56) | (143.67) | 435.31 | (390.92) | 182.53 |
Beneish M-Score |
— | — | — | (2.74) | (0.56) | (2.60) | (2.70) | (2.61) | (2.65) |
P/B ratio |
45.58 | 45.58 | 45.58 | 14.82 | 4.15 | 3.09 | 3.38 | 3.60 | 2.24 |
Price to Tangible BV |
45.58 | 45.58 | 45.58 | 18.27 | 96.33 | 99.44 | 37.44 | 0.00 | 0.00 |
EV/Sales |
48.16 | 48.16 | 48.16 | 29.10 | 15.99 | 7.76 | 7.32 | 7.43 | 4.27 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 219.85 | 132.29 | 41.39 |
EV/Operating CF |
(12,954.51) | (12,954.51) | (12,954.51) | 644.70 | (227.72) | (205.90) | 60.91 | 72.73 | 28.18 |
EV/FCF |
(995.56) | (995.56) | (995.56) | 1,217.32 | (177.34) | (92.38) | 65.27 | 75.84 | 30.74 |
Quick Ratio |
3.00 | 2.00 | 1.76 | 3.69 | 0.93 | 0.88 | 1.05 | 1.06 | 0.87 |
Current Ratio |
3.11 | 2.10 | 1.90 | 3.82 | 1.05 | 1.01 | 1.17 | 1.20 | 1.00 |
Net Debt/EBITDA |
4.55 | 3.40 | 4.49 | 11.65 | 0.97 | (0.07) | (3.65) | 3.23 | 2.88 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 2.89% | 2.62% | 6.43% | 4.04% | 13.59% | 16.06% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.04 | 0.03 | 0.08 | 0.05 | 0.20 | 0.25 |
Asset Turnover |
0.50 | 0.00 | 1.10 | 0.50 | 0.29 | 0.31 | 0.36 | 0.37 | 0.37 |
Operating CF/Net income |
0.86 | 0.21 | 0.33 | (0.23) | 0.39 | 0.15 | (1.35) | (1.46) | 17.39 |
Capex/Depreciation |
0.00 | (5.46) | (0.73) | (0.36) | (0.35) | (0.44) | (0.07) | (0.05) | (0.13) |
Interest Coverage |
(144.42) | (19.46) | (28.51) | (327.75) | (47.13) | (33.49) | (9.56) | (2.07) | 0.21 |
| (25.81%) | (30.98%) | (23.66%) | (13.68%) | (6.62%) | (9.82%) | (4.08%) | (3.54%) | 0.48% | |
| (15.96%) | 0.00% | (22.06%) | (9.97%) | (5.30%) | (7.82%) | (3.17%) | (2.57%) | 0.32% | |
ROIC |
0.00% | 0.00% | (23.14%) | (38.03%) | (4.40%) | (5.72%) | (2.49%) | (0.95%) | 0.19% |
Return on Tangible Assets |
(23.83%) | (33.29%) | (33.58%) | (11.37%) | (70.83%) | (118.78%) | (36.86%) | (30.14%) | 6.94% |
Average Days of Receivables |
150.67 | 119.63 | 114.66 | 99.19 | 99.33 | 88.94 | 86.53 | 99.10 | 102.20 |
Research and Development Expense of Revenue |
28.02% | 24.29% | 25.55% | 28.52% | 28.98% | 29.78% | 24.62% | 23.94% | 21.44% |
Selling, General and Administrative Expense of Revenue |
50.79% | 50.33% | 48.47% | 49.20% | 56.39% | 51.71% | 43.50% | 39.49% | 38.49% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.33 | 0.14 | 0.79 | 0.75 | 0.71 | 0.73 | 0.74 |
Share Based Compensation of Revenue |
0.00% | 4.47% | 4.16% | 12.34% | 10.40% | 12.30% | 12.18% | 13.24% | 12.42% |
Graham Net Nets |
0.02 | 0.02 | 0.02 | 0.05 | (0.01) | (0.03) | (0.01) | (0.06) | (0.13) |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.24 |
Earnings Yield |
(0.39%) | (0.39%) | (0.39%) | (0.63%) | (1.11%) | (3.25%) | (1.21%) | (1.00%) | 0.24% |
Free Cash Flow Yield |
(0.10%) | (0.10%) | (0.10%) | 0.08% | (0.56%) | (1.08%) | 1.51% | 1.35% | 3.50% |
Revenue per Share |
0.65 | 1.23 | 1.76 | 2.33 | 2.83 | 3.69 | 4.23 | 4.69 | 5.27 |
Operating CF per Share |
(0.18) | (0.06) | (0.11) | 0.11 | (0.20) | (0.14) | 0.51 | 0.48 | 0.80 |
Capex per Share |
0.00 | (0.11) | (0.07) | (0.05) | (0.06) | (0.17) | (0.03) | (0.02) | (0.07) |
Free Cash Flow per Share |
(0.18) | (0.17) | (0.19) | 0.06 | (0.26) | (0.31) | 0.47 | 0.46 | 0.73 |
Cash per Share |
0.90 | 0.99 | 1.16 | 4.24 | 0.91 | 0.74 | 0.99 | 1.05 | 0.78 |
Shareholders Equity per Share |
0.87 | 0.00 | 2.14 | 4.85 | 11.04 | 9.26 | 9.31 | 9.46 | 9.35 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
0.87 | 0.00 | 2.14 | 4.85 | 11.04 | 9.26 | 9.31 | 9.46 | 9.35 |
Free Cash Flow |
(15.96) | (12.55) | (14.76) | 4.88 | (24.69) | (34.28) | 53.46 | 52.93 | 82.56 |
Working Capital |
74.00 | 57.00 | 68.70 | 326.54 | 9.13 | 2.04 | 35.74 | 50.74 | (0.99) |
Capital Expenditures |
(2.84) | (7.96) | (5.76) | (4.34) | (5.46) | (18.90) | (3.83) | (2.27) | (7.50) |
Net Current Asset Value |
74.00 | 109.00 | 62.40 | 304.01 | (49.88) | (96.00) | (40.48) | (218.82) | (298.69) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 680.94 |
Capex to Sales |
0.00 | 0.09 | 0.04 | 0.02 | 0.02 | 0.05 | 0.01 | 0.00 | 0.01 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 633.63 |
| Other line items | |||||||||
Depreciation/Fixed assets |
0.24 | 0.15 | 0.58 | 0.40 | 0.26 | 0.51 | 0.70 | 0.65 | 0.76 |
Cash ROIC |
(10.04%) | (16.96%) | (5.71%) | 0.60% | (2.08%) | (2.88%) | 4.40% | 3.70% | 5.86% |
Accounts Receivable Turnover |
2.15 | 3.39 | 3.76 | 4.13 | 4.21 | 4.69 | 4.49 | 4.16 | 3.80 |
Accounts Payable Turnover |
10.85 | 18.58 | 16.72 | 16.53 | 12.83 | 14.59 | 16.14 | 16.94 | 16.66 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
23.48 | 23.57 | 26.58 | 24.84 | 37.24 | 25.56 | 22.57 | 23.06 | 22.59 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
27.07 | 27.00 | 36.70 | 49.46 | 65.02 | 87.01 | 106.24 | 129.88 | 156.66 |
Average Payables |
2.87 | 2.50 | 3.83 | 5.33 | 8.68 | 11.62 | 11.86 | 12.74 | 14.08 |
Average Assets |
116.47 | 0.00 | 125.08 | 406.78 | 932.21 | 1,314.14 | 1,333.85 | 1,475.41 | 1,629.24 |
Average Common Equity |
72.03 | 72.00 | 116.64 | 296.23 | 746.40 | 1,045.85 | 1,036.63 | 1,069.24 | 1,072.61 |
Columns are period end dates