nCino, Inc.(NCNO) Stock Research - Grey Stern Research
Loading...

nCino, Inc. (NCNO) Stock Analysis

$29.49 (-0.81%)

NCNO Financial Performance


Use the table below to view nCino, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2025

Metric Value Ranking among Peers
Price $29.49 -
52 Week Low $27.29 -
52 Week High $43.20 -
Market Cap $3.4 Billion 11/17
Gross Margin 61% 13/17
Profit Margin -4% 11/17
EBITDA margin 6% 6/17
Q3 - 2025 Revenue $138.8 Million 10/17
Q3 - 2025 Earnings -$5.3 Million 11/17
Q3 - 2025 Free Cash Flow $5.4 Million 11/17
Trailing 4 Quarters Revenue $523.0 Million 11/17
Trailing 4 Quarters Earnings -$18.1 Million 8/17
Quarterly Earnings Growth 68% 8/17
Annual Earnings Growth 72% 5/17
Quarterly Revenue Growth 14% 6/17
Annual Revenue Growth 10% 9/17
Cash On Hand $257.9 Million 6/17
Short Term Debt $11.3 Million 5/17
Long Term Debt $11.8 Million 15/17

nCino, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare nCino, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE -1.00 7/17
PS 6.53 7/17
PB 3.12 13/17
PC 13.24 12/17
Liabilities to Equity 0.39 15/17
ROA -0.01 8/17
ROE -0.02 8/17
Current Ratio 3.58 3/17
Quick Ratio 0.61 8/17
Long Term Debt to Equity 0.01 14/17
Debt to Equity 0.02 14/17
Burn Rate 30.19 2/17
Cash to Cap 0.08 6/17
CCR -1.03 11/17
EV to EBITDA 352.50 5/17
EV to Revenue 6.07 7/17

Company Details

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.

CEO: Mr. Pierre Naude

Website: https://www.ncino.com

Address: 6770 Parker Farm Drive Wilmington, NC

Exchange: NASDAQ Global Select

Industry: Software—Application

nCino, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to nCino, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Pegasystems Inc. PEGA $6.2 Billion
Envestnet, Inc. ENV $3.5 Billion
Model N, Inc. MODN $1.2 Billion
Paylocity Holding Corporation PCTY $10.7 Billion
ZoomInfo Technologies Inc. ZI $3.7 Billion
Jamf Holding Corp. JAMF $1.7 Billion
BigCommerce Holdings, Inc. BIGC $473.2 Million
Alkami Technology, Inc. ALKT $2.7 Billion
Procore Technologies, Inc. PCOR $10.4 Billion
Paycor HCM, Inc. PYCR $4.1 Billion
MeridianLink, Inc. MLNK $1.5 Billion
Momentive Global Inc. MNTV $1.4 Billion
PowerSchool Holdings, Inc. PWSC $3.8 Billion
monday.com Ltd. MNDY $13.0 Billion
GitLab Inc. GTLB $8.2 Billion
Clearwater Analytics Holdings, Inc. CWAN $6.8 Billion
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
NCNO Income Statements
Quarter Year Revenue Earnings
Q3 2025 $ 138.8 Million -$5.3 Million
Q2 2025 $ 132.4 Million -$11.0 Million
Q1 2025 $ 128.1 Million -$3.0 Million
Q4 2024 $ 123.7 Million $1.2 Million
Q3 2024 $ 121.9 Million -$16.4 Million
Q2 2024 $ 117.2 Million -$15.9 Million
Q1 2024 $ 113.7 Million -$11.6 Million
Q4 2023 $ 109.2 Million -$21.8 Million

View All

NCNO Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2025 $257.9 Million $1.5 Billion $16.7 Million $1.1 Billion
Q2 2025 $126.6 Million $1.4 Billion $110.7 Million $1.1 Billion
Q1 2025 $129.5 Million $1.4 Billion $126.6 Million $1.1 Billion
Q4 2024 $112.1 Million $1.3 Billion $74.2 Million $1.1 Billion
Q3 2024 $100.5 Million $1.3 Billion $64.5 Million $1.0 Billion
Q2 2024 $98.0 Million $1.3 Billion $64.1 Million $1.0 Billion
Q1 2024 $98.1 Million $1.3 Billion $80.4 Million $1.0 Billion
Q4 2023 $82.0 Million $1.3 Billion $96.5 Million $1.0 Billion

View All

NCNO Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2025 $5.4 Million -$380,000 $131.5 Million
Q2 2025 $4.4 Million -$594,000 -$2.9 Million
Q1 2025 $54.0 Million -$492,000 $17.4 Million
Q4 2024 $7.7 Million -$432,000 $6.6 Million
Q3 2024 $5.3 Million -$619,000 $2.5 Million
Q2 2024 $11.1 Million -$859,000 -$128,000
Q1 2024 $29.7 Million -$1.6 Million $16.1 Million
Q4 2023 -$26.5 Million -$4.4 Million -$24.4 Million

View All