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XNAS
NCNO
Market cap3.46bUSD
Jul 15, Last price  
29.28USD
1D
3.44%
1Q
24.10%
IPO
-58.79%
Name

nCino Inc

Chart & Performance

D1W1MN
P/E
P/S
6.28
EPS
Div Yield, %
Shrs. gr., 5y
5.14%
Rev. gr., 5y
31.37%
Revenues
541m
+13.45%
58,142,00091,534,000138,180,000204,293,000204,293,000273,865,000476,543,000540,657,000
Net income
-38m
L-10.55%
-18,589,000-22,306,000-27,594,000-40,536,000-41,270,000-50,121,000-42,346,000-37,878,000
CFO
55m
-3.64%
-15,958,000-4,589,000-8,998,0009,222,0009,222,000-19,229,00057,285,00055,199,000

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
FYFYFYFYFYFYFYFY
2025‑012024‑012023‑012022‑012021‑012020‑012019‑012018‑01
Income
Revenues
540,657
13.45%
476,543
74.01%
273,865
34.06%
Cost of revenue
558,788
516,055
345,222
Unusual Expense (Income)
NOPBT
(18,131)
(39,512)
(71,357)
NOPBT Margin
Operating Taxes
(2,511)
1,590
(23,833)
Tax Rate
NOPAT
(15,620)
(41,102)
(47,524)
Net income
(37,878)
-10.55%
(42,346)
-15.51%
(50,121)
21.45%
Dividends
Dividend yield
Proceeds from repurchase of equity
8,200
BB yield
-0.26%
Debt
Debt current
5,153
10,559
4,889
Long-term debt
30,791
143,329
140,492
Deferred revenue
269
44
Other long-term liabilities
234,332
Net debt
(94,278)
32,509
53,336
Cash flow
Cash from operating activities
55,199
57,285
(19,229)
CAPEX
(1,816)
(3,871)
(5,463)
Cash from investing activities
(219,177)
(6,328)
(278,488)
Cash from financing activities
170,478
(21,113)
15,922
FCF
(8,193)
(65,661)
(91,428)
Balance
Cash
120,928
112,085
88,014
Long term investments
9,294
9,294
4,031
Excess cash
103,189
97,552
78,352
Stockholders' equity
(376,815)
(348,277)
(206,751)
Invested Capital
1,726,986
1,475,107
1,338,049
ROIC
ROCE
EV
Common stock shares outstanding
115,162
112,672
110,616
Price
34.01
8.04%
31.48
10.07%
28.60
-37.60%
Market cap
3,916,666
10.42%
3,546,927
12.12%
3,163,610
-28.63%
EV
3,830,674
3,582,864
3,219,828
EBITDA
18,214
5,752
(61,351)
EV/EBITDA
210.31
622.89
Interest
8,763
4,135
1,514
Interest/NOPBT