nCino/$NCNO
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About nCino
Ncino Inc is a provider of cloud-based software for financial institutions. Its software solution digitizes, automates, and streamlines inefficient and complex processes & workflows and utilizes data analytics & artificial intelligence that enables financial institutions to onboard new clients, make loans, and manage the entire loan life cycle, open deposits, and other accounts, and manage regulatory compliance. It also offers professional services, including configuration & implementation, training, and advisory services. The company generates the majority of its revenue from subscription services. The company caters to financial institutions, enterprise banks, regional banks, community banks, and credit unions. The vast majority of its revenue comes from the United States.
Ticker
$NCNO
Sector
Software & Cloud Services
Primary listing
Employees
1,833
Headquarters
Website
nCino Metrics
BasicAdvanced
$3B
-
-$0.29
0.65
-
Price and volume
Market cap
$3B
Beta
0.65
52-week high
$43.20
52-week low
$18.75
Average daily volume
1.9M
Financial strength
Current ratio
1.026
Quick ratio
0.89
Long term debt to equity
24.687
Total debt to equity
25.252
Interest coverage (TTM)
0.12%
Profitability
EBITDA (TTM)
41.762
Gross margin (TTM)
60.23%
Net profit margin (TTM)
-5.86%
Operating margin (TTM)
0.21%
Effective tax rate (TTM)
-19.42%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
0.07%
Return on equity (TTM)
-2.56%
Valuation
Price to revenue (TTM)
5.236
Price to book
2.85
Price to tangible book (TTM)
-18.12
Price to free cash flow (TTM)
50.205
Free cash flow yield (TTM)
1.99%
Free cash flow per share (TTM)
0.519
Growth
Revenue change (TTM)
13.24%
Earnings per share change (TTM)
13.53%
3-year revenue growth (CAGR)
19.15%
3-year earnings per share growth (CAGR)
-27.23%
Bulls say / Bears say
Subscription revenues in Q1 FY2026 rose 14% year-over-year to $125.6 million, highlighting strong demand for nCino’s cloud platform among financial institutions. (nCino Investor Relations)
Non-GAAP operating income in Q4 FY2025 increased 26% year-over-year to $24.4 million, reflecting improved operational efficiency. (nCino)
The Board approved a $100 million share buyback program in Q4 FY2025, showing management’s confidence in the company’s long-term prospects. (nCino)
GAAP loss from operations widened to $(5.7) million in Q4 FY2025, showing the company remains unprofitable on a GAAP basis. (nCino)
nCino’s adjusted EPS for Q4 FY2025 was $0.12, lower than analyst expectations of $0.19, leading to a 17% share price drop on the day of the announcement. (Investing.com)
Fiscal 2026 revenue guidance of $574.5 million to $578.5 million points to about 7% growth, a clear slowdown from the 13% increase in FY2025. (nCino)
Data summarised monthly by Lightyear AI. Last updated on 3 Nov 2025.
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FAQs
What’s the current market cap for nCino stock?
nCino (NCNO) has a market cap of $3B as of November 09, 2025.
What is the P/E ratio for nCino stock?
The price to earnings (P/E) ratio for nCino (NCNO) stock is 0 as of November 09, 2025.
Does nCino stock pay dividends?
No, nCino (NCNO) stock does not pay dividends to its shareholders as of November 09, 2025.
When is the next nCino dividend payment date?
nCino (NCNO) stock does not pay dividends to its shareholders.
What is the beta indicator for nCino?
nCino (NCNO) has a beta rating of 0.65. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.