nCino, Inc. (NCNO)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 138 | 204 | 274 | 408 | 477 | 541 | 595 | 622 |
| Operating profit | $m | 4 | 50 | ||||||
| Net profit | $m | -28 | -41 | -49 | -103 | -42 | -38 | 5 | 34 |
| EPS reported | $ | 0.05 | 0.30 | ||||||
| Operating cashflow per share | $ | 0.80 | 1.08 | ||||||
| Capex per share | $ | 0.07 | 0.06 | ||||||
| FCF per share | $ | 0.73 | 1.02 | ||||||
| Free cash flow | $m | 83 | 132 | ||||||
| Net debt | $m | 125 | 243 | ||||||
| Book value equity | $m | 1,056 | 930 | ||||||
| Book value per share | $ | 9.23 | 8.85 | ||||||
| Number of shares | m | 114.35 | 105.07 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.83 | 161.75 | ||||||
| P/B LTM | x | 2.28 | 4.21 | ||||||
| P/S LTM | x | 3.29 | 6.29 | ||||||
| P/FCF LTM | x | 29.19 | 29.63 | ||||||
| EV/EBITDA LTM | x | 12.11 | 48.91 | ||||||
| EV/Sales LTM | x | 4.02 | 4.10 | ||||||
| Earnings Yield LTM | % | +6.87% | +0.62% | ||||||
| FCF Yield | % | +3.43% | +3.37% | ||||||
| Quality | |||||||||
| ROE | % | +0.49% | +1.29% | ||||||
| ROIC | % | +0.21% | +2.06% | ||||||
| Operating margin | % | +0.63% | +4.47% | ||||||
| Gross margin | % | +60.55% | +60.67% | ||||||
| FCF/Sales | % | +13.88% | +18.15% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +10.01% | +30.57% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | +55.98% | +147.44% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.30 | 0.39 | ||||||
| Net Debt/EBITDA | x | 2.87 | 3.11 | ||||||
| EBIT/Net interest | x | 0.21 | 1.56 | ||||||
| Net debt/market cap | % | +8.86% | +11.53% | ||||||
| Net debt/Equity | x | 0.12 | 0.26 | ||||||
| Gross debt/equity | x | 0.26 | 0.36 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free