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XNASNCNO
Market cap3.88bUSD
Jan 10, Last price  
32.54USD
1D
-0.15%
1Q
0.15%
IPO
-53.68%
Name

nCino Inc

Chart & Performance

D1W1MN
XNAS:NCNO chart
P/E
P/S
7.91
EPS
Div Yield, %
0.00%
Shrs. gr., 5y
4.68%
Rev. gr., 5y
39.09%
Revenues
477m
+74.01%
58,142,00091,534,000138,180,000204,293,000204,293,000273,865,000476,543,000
Net income
-42m
L-15.51%
-18,589,000-22,306,000-27,594,000-40,536,000-41,270,000-50,121,000-42,346,000
CFO
57m
P
-15,958,000-4,589,000-8,998,0009,222,0009,222,000-19,229,00057,285,000
Earnings
Jun 20, 2025

Profile

nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
IPO date
Jul 14, 2020
Employees
1,791
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFY
2024‑012023‑012022‑012021‑012020‑012019‑012018‑01
Income
Revenues
476,543
74.01%
273,865
34.06%
204,293
0.00%
Cost of revenue
516,055
345,222
246,901
Unusual Expense (Income)
NOPBT
(39,512)
(71,357)
(42,608)
NOPBT Margin
Operating Taxes
1,590
(23,833)
586
Tax Rate
NOPAT
(41,102)
(47,524)
(43,194)
Net income
(42,346)
-15.51%
(50,121)
21.45%
(41,270)
1.81%
Dividends
Dividend yield
Proceeds from repurchase of equity
8,200
268,375
BB yield
-0.26%
-6.05%
Debt
Debt current
10,559
4,889
324
Long-term debt
143,329
140,492
32,202
Deferred revenue
44
946
Other long-term liabilities
1,486
Net debt
32,509
53,336
(342,930)
Cash flow
Cash from operating activities
57,285
(19,229)
9,222
CAPEX
(3,871)
(5,463)
(4,338)
Cash from investing activities
(6,328)
(278,488)
(4,338)
Cash from financing activities
(21,113)
15,922
274,121
FCF
(65,661)
(91,428)
(43,194)
Balance
Cash
112,085
88,014
371,425
Long term investments
9,294
4,031
4,031
Excess cash
97,552
78,352
365,241
Stockholders' equity
(348,277)
(206,751)
(156,986)
Invested Capital
1,475,107
1,338,049
604,651
ROIC
ROCE
EV
Common stock shares outstanding
112,672
110,616
96,722
Price
31.48
10.07%
28.60
-37.60%
45.83
-36.08%
Market cap
3,546,927
12.12%
3,163,610
-28.63%
4,432,791
-33.98%
EV
3,582,864
3,219,828
4,093,652
EBITDA
5,752
(61,351)
(35,177)
EV/EBITDA
622.89
Interest
4,135
1,514
130
Interest/NOPBT