nCino, Inc.
NCNO Nasdaq· Services-Prepackaged Software
Last close · Oct 26, 2026
$23.42
KIRA · Stoqly’s AI analyst, in plain words
- nCino, Inc. had $595M of revenue in fiscal 2026, up 10.0% on the year before. Over five years, revenue changed +23.8% a year on average.
- Its operating margin was 0.6%, up 4.0 pts: of every 100 in sales, about 1 is left after running the business.
- nCino, Inc. made $5.2M of net profit in fiscal 2026.
- Free cash flow was $82.6M in fiscal 2026, 13.9% of revenue.
- nCino, Inc. returned $125M to shareholders in fiscal 2026, 152% of free cash flow. The diluted share count fell 0.7%.
- nCino, Inc. owes $176M more than it holds in cash, about 3.8 years of operating profit.
Market cap
$2.5B
P/E
78.1x
Revenue
$595M
Net income
$5.2M
Free cash flow
$82.6M
Operating margin
0.6%
nCino, Inc. in 30 seconds · fiscal 2026
Are sales growing?
+10.0%
Yes. Sales grew 10.0% last year.
Does it make a profit?
0.9%
A little. It keeps 0.9% of every sale as profit.
Does profit turn into cash?
13.9%
Yes. 13.9% of sales ends up as free cash.
Is debt under control?
3.8x
Heavy. Repaying its debt would take 3.8 years of operating profit.
How healthy are the accounts?
7 / 8
Solid. It passes 7 of 8 health tests.
How is the share priced?
78.1x
One share costs 78.1 times its yearly profit per share.
What nCino, Inc. does
No business description yet.
- Fiscal year ends
- January 31, 2026
- Latest annual report
- 10-K · Mar 31, 2026
- Legal name
- nCino, Inc.
- CIK
- 0001902733
nCino, Inc. · NCNO
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $274M | $408M | $477M | $541M | $595M |
| Revenue growth | 34.1% | 49.1% | 16.7% | 13.5% | 10.0% |
| Gross margin | 59.3% | 58.5% | 59.8% | 60.1% | 60.6% |
| Operating margin | −26.1% | −23.0% | −8.3% | −3.4% | 0.6% |
| Net income | −$49.4M | −$103M | −$42.3M | −$37.9M | $5.2M |
| Net margin | −18.1% | −25.2% | −8.9% | −7.0% | 0.9% |
| Diluted EPS | −$0.51 | −$0.93 | −$0.38 | −$0.33 | $0.05 |
| Cash | |||||
| Cash from operations | −$19.2M | −$15.4M | $57.3M | $55.2M | $90.1M |
| Capital expenditure | $5.5M | $18.3M | $3.5M | $1.8M | $7.5M |
| Free cash flow | −$24.7M | −$33.7M | $53.8M | $53.4M | $82.6M |
| FCF margin | −9.0% | −8.3% | 11.3% | 9.9% | 13.9% |
| Share buybacks | — | — | $0.0M | $0.0M | $125M |
| Share count change | 10.3% | 14.4% | 1.9% | 2.2% | −0.7% |
| Debt and strength | |||||
| Cash and short-term investments | $88.0M | $82.0M | $112M | $121M | $88.4M |
| Debt incl. finance leases | — | — | — | — | $265M |
| Shareholders' equity | $1.1B | $1.0B | $1.0B | $1.1B | $1.1B |
| Net debt / EBITDA | — | — | — | — | 3.8x |
| Current ratio | 1.1x | 1.0x | 1.2x | 1.2x | 1.0x |
| Interest coverage | −47.1x | −33.5x | −9.6x | −2.1x | 0.2x |
| Returns and quality | |||||
| Return on capital | — | — | — | — | 0.3% |
| Return on equity | −6.6% | −9.8% | −4.1% | −3.5% | 0.5% |
| Return on tangible equity | −107.5% | −322.9% | −44.7% | — | — |
| Piotroski F-score | 3 | 2 | 6 | 5 | 7 |
| Altman Z'' | 4.0 | 2.4 | 2.9 | 1.6 | 1.2 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$8.0M
5 insiders
Of sales under plans
42%
$3.4M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
nCino, Inc. · NCNO
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $23.42 a share, the company is worth $2.5B: 78.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001902733). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.