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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%
Market cap
$2.2B
P/E
66.2×
Fwd P/E
43.6×
Dividend yield
—
F-score
6/9
Altman Z
2.49
Beneish M
−2.65
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 8.03
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 5 2 1 5 — 7 7 1 1 6 2 2
Insider Ownership 6.75%

Capital & Financial Ratios $m

Market Cap 2,230.00
Revenue 622.24
Net Income 38.79
Free Cash Flow 132.17
Net Debt 242.64
Current Ratio 0.85 (below 1: weak)
Debt/Equity 0.35 (at or below 0.5: strong)
P/E ratio 66.16 (above 35: high)
Fwd P/E 43.60 (above 35: high)
P/S ratio 3.46
P/B ratio 2.31
Past 5Y EPS Growth —
This Y EPS Growth 22.35% (at or above 15%: strong)
Next Y EPS Growth 19.80% (at or above 15%: strong)
Next Y revenue growth 8.63%
Next 5Y EPS Growth 19.38% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 3.8×, against a ten-year median of 7.7×; over the ten years it ranged from 3.1× in 2026 to 44.0× in 2020.
P/S against its own 10 years 9.28%
10-year low 10-year high
P/B against its own 10 years 10.10%
10-year low 10-year high
EV/Sales against its own 10 years 9.66%
10-year low 10-year high
EV/FCF against its own 10 years 6.04%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2027 Powerpack
2026 Powerpack
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 Powerpack
2020 Powerpack
predictions special payouts not included in total or ratios

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%

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.

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) (0.35)
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

Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Trend 2027e 2028e 2029e
Price, $
Price, $ Low — — — 66.82 46.94 22.97 19.58 28.09 18.75 13.80

Analyst estimates 2027–2029

Powerpack
High — — — 103.95 86.48 56.38 34.80 43.20 35.43 25.92
People
People Employees — — — 934 1,115 1,681 1,791 1,653 1,833 1,684
Revenue/emp, $m — 0.00 0.00 0.15 0.18 0.16 0.23 0.29 0.29 0.35
Income, $m
Income, $m Revenue — 58 92 138 204 274 408 477 541 595
Gross margin, % — 46.52 49.25 53.63 56.86 59.32 58.46 59.82 60.07 60.55
EBT — (19) (22) (27) (41) (74) (98) (42) (36) 7
EBT margin, % — (31.89) (24.16) (19.65) (19.91) (27.00) (23.95) (8.80) (6.58) 1.13
Net income — 0 (22) (28) (41) (50) (102) (44) (33) 10
Depreciation — 1 1 8 12 16 43 55 48 58
Per share, $
Per share, $ Revenue — 0.65 1.23 1.76 2.33 2.83 3.69 4.23 4.69 5.27
Earnings — (0.21) (0.30) (0.35) (0.35) (0.51) (0.93) (0.38) (0.33) 0.05
Cash flow — (0.18) (0.06) (0.11) 0.11 (0.20) (0.14) 0.51 0.48 0.80
Capex — 0.00 (0.11) (0.07) (0.05) (0.06) (0.17) (0.03) (0.02) (0.07)
Free cash flow — (0.18) (0.17) (0.19) 0.06 (0.26) (0.31) 0.47 0.46 0.73
Book value — 0.87 0.00 2.14 4.85 11.04 9.26 9.31 9.46 9.35
Shares, m — 90 75 78 88 97 111 113 115 113
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 418.40
P/S — 48.81 48.81 48.81 30.84 16.19 7.75 7.44 7.24 3.97
P/B — 45.58 45.58 45.58 14.82 4.15 3.09 3.38 3.60 2.24
EV/Sales — 48.16 48.16 48.16 29.10 15.99 7.76 7.32 7.43 4.27
EV/FCF — (995.56) (995.56) (995.56) 1,217.32 (177.34) (92.38) 65.27 75.84 30.74
Cash, $m
Cash, $m Operating cash flow — (16) (5) (9) 9 (19) (15) 57 55 90
Capex — (3) (8) (6) (4) (5) (19) (4) (2) (8)
Free cash flow — (16) (13) (15) 5 (25) (34) 53 53 83
Balance, $m
Balance, $m Working capital — 74 57 69 327 9 2 36 51 (1)
Total debt — — — — 16 34 85 54 219 265
Net debt — (81) (74) (91) (355) (54) 3 (58) 98 176
Shareholders’ equity — 78 — 167 425 1,068 1,024 1,049 1,089 1,056
Returns, %
Returns, % ROA — (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
ROE — (25.81) (30.98) (23.66) (13.68) (6.62) (9.82) (4.08) (3.54) 0.48
Negative figures in brackets.

All 10 years →

Fiscal years to Jan 2026 · latest quarter Jul 2026

Charts ten years each

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
PLUS ePlus inc. $2.5B 20.5× 17.6× +0.99% (above 0%: growing) −18.18% (below 0%: shrinking) +175.78% (above 0%: growing) 23.31% 5.98% Compare
ADEA Adeia Inc. $2.4B 18.1× 40.6× +12.11% (above 0%: growing) +6.67% (above 0%: growing) +94.36% (above 0%: growing) 100.00% 26.40% Compare
ASAN Asana, Inc. $2.4B — (loss-making) — (loss-making) +9.90% (above 0%: growing) n/m +390.69% (above 0%: growing) 85.99% (19.05%) Compare
BLKB Blackbaud, Inc. $2.3B 15.9× 9.0× +3.04% (above 0%: growing) +46.30% (above 0%: growing) +46.16% (above 0%: growing) 61.31% 21.34% Compare
BTDR Bitdeer Technologies Group $2.3B — (loss-making) — (loss-making) +47.05% (above 0%: growing) n/m +5.54% (above 0%: growing) (3.73%) (44.47%) Compare
DBD Diebold Nixdorf, Incorporated $2.3B 21.5× — +1.70% (above 0%: growing) +36.36% (above 0%: growing) −327.56% (below 0%: shrinking) 25.74% 6.17% Compare
NCNO nCino Inc. $2.2B 66.2× 43.6× +8.19% (above 0%: growing) n/m +170.13% (above 0%: growing) 62.59% 8.46%
VERX Vertex, Inc. $2.2B 389× 73.1× +10.52% (above 0%: growing) n/m −86.05% (below 0%: shrinking) 64.37% (2.18%) Compare
SOUN SoundHound AI, Inc. $2.2B — (loss-making) — (loss-making) +45.02% (above 0%: growing) n/m −49.37% (below 0%: shrinking) 45.12% (69.95%) Compare
Median of peers $2.3B 20.5× 29.1× +10.21% +21.51% +25.85% 53.22% 1.90%

All 237 Software Application stocks →

nCino Inc. (NCNO) key facts

  • Strength: nCino Inc.’s revenue for fiscal 2026 (year ended January 2026) was $594.8 million, up 10.0% from fiscal 2025.
  • nCino Inc. (NCNO) is a Software Application company in the Technology sector, listed on Nasdaq.
  • As of October 16, 2026, NCNO traded at $20.51, a market capitalization of $2.2 billion.
  • Return on equity was 0.48% and debt-to-equity 0.35.
  • Its Piotroski F-score is 6 out of 9 and its Altman Z-score is 2.49 (grey zone) for fiscal 2026.

Source: company filings (standardised) and stockrow calculations.

nCino Inc. (NCNO) Latest News

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stockrow.com/NCNO · Data as of Jul 31, 2026 · For information only; not investment advice. · © 2026 stockrow.com