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