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Home CompaniesnCino Inc

nCino Inc

Technology Software - Application
PortfolioPortfolio WatchlistWatchlist
Company price
22.435 USD 0.04 ( 0.20%)
Last update at 2026-11-12T15:44:00Z
VOLUME
65953
Market Cap
3488.39M

Momentum Score

…

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 connects financial institution employees, clients and third parties on a single cloud-based platform which include client onboarding, deposit account opening, loan origination, end-to-end mortgage suite, and powerful ecosystem. The company's nIQ, an application suite that utilizes data analytics and artificial intelligence and machine learning 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 cloud-based mobile-first homeownership software solution. 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 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
22.07
Low
22.54
High
52 Week Price Range
21.32
Low
37.48
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
22.39
Dividend Yield
-
Revenue TTM
476.54M
Revenue Per Share
4.23
Gross Profit TTM
239.05M
Debt / Equity
0.07
ROE
-4.19%
Net Debt
-37.86M
ROCE
-6.34%
Diluted EPS TTM
-0.38

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Type yearly yearly yearly yearly yearly
Date 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Income before tax -73.95M -40.68M -40.68M -27.15M -22.11M
Minority interest -0.88M 0.68M 3.79M 4.36M 4.36M
Net income -50.12M -41.27M -40.54M -27.59M -22.31M
Selling general administrative 71.55M 40.77M 40.77M 22.54M 14.79M
Selling and marketing expenses 82.90M 59.73M 59.73M 44.44M 31.28M
Gross profit 162.45M 116.16M 116.16M 74.11M 45.08M
Reconciled depreciation 34.65M 10.01M 7.43M 4.61M 1.46M
Ebit -71.36M -42.61M -40.55M -28.17M -22.11M
Ebitda -62.43M -33.12M -33.12M -23.56M -20.65M
Depreciation and amortization 8.92M 9.48M 7.43M 4.61M 1.46M
Non operating income net other - - 2.05M - -
Operating income -71.36M -42.61M -42.61M -28.17M -23.22M
Other operating expenses 345.22M 246.90M 246.90M 166.35M 114.75M
Interest expense 1.51M 0.13M 0.13M 0.13M 0.00M
Tax provision 4.07M -23.83M 0.59M 0.59M 0.19M
Interest income 0.40M 0.19M 0.36M 0.99M 1.19M
Net interest income -2.40M -1.32M 0.23M 0.99M 1.19M
Income tax expense -23.83M 0.59M 0.59M 0.59M 0.19M
Total revenue 273.87M 204.29M 204.29M 138.18M 91.53M
Total operating expenses 233.81M 158.77M 158.77M 102.28M 68.30M
Cost of revenue 111.41M 88.14M 88.14M 64.07M 46.45M
Total other income expense net -2.60M 1.92M 1.69M 0.03M -0.09M
Net income from continuing ops -101.84M -50.12M -41.27M -27.73M -22.31M
Net income applicable to common shares -102.72M -49.45M -40.54M -27.59M -22.31M
Breakdown 2024-01-31 2023-01-31 2022-01-31 2021-01-31 2020-01-31
Type yearly yearly yearly yearly yearly
Date 2024-01-31 2023-01-31 2022-01-31 2021-01-31 2020-01-31
Total assets 1340.43M 1301.01M 563.40M 563.40M 250.15M
Intangible assets 115.57M 180.12M 23.14M 23.14M 26.09M
Other current assets 15.17M 20.97M 20.97M 15.29M 3.61M
Total liab 287.83M 230.51M 134.43M 134.43M 78.52M
Total stockholder equity 1049.18M 1067.62M 425.18M 425.18M 167.27M
Deferred long term liab - 18.23M 16.40M 10.19M 7.00M
Other current liab 27.13M 36.20M 20.23M 20.23M 71.91M
Common stock 0.06M 0.06M 0.05M 0.05M 0.04M
Capital stock 0.06M 0.06M 0.06M 0.05M 0.04M
Retained earnings -352.76M -209.62M -161.06M -161.06M -120.92M
Other liab - - 11.46M 2.80M 1.95M
Good will 838.87M 841.49M 57.15M 57.15M 55.84M
Other assets - - 18.02M 10.94M 9.46M
Cash 112.08M 88.01M 371.43M 371.43M 91.18M
Total current liabilities 215.04M 174.38M 115.69M 115.69M 76.58M
Current deferred revenue 170.94M 122.64M 89.14M 89.14M 58.94M
Net debt -37.86M -39.17M -355.16M -355.16M -91.18M
Short term debt 5.12M 4.17M 0.32M 0.32M -58.94M
Short long term debt total 74.23M 48.84M 16.26M 16.26M 16.26M
Other stockholder equity 1400.88M 1277.26M 585.96M 161.02M 120.88M
Property plant equipment - 94.95M 73.85M 29.94M 13.48M
Total current assets 240.23M 183.51M 442.23M 442.23M 145.28M
Long term investments 9.29M 6.53M 4.03M - -
Net tangible assets - 31.81M 46.02M 344.89M 85.34M
Net receivables 112.97M 74.53M 55.52M 55.52M 43.41M
Long term debt - 30.00M - - -
Inventory 0.00M 9.39M - - 7.08M
Accounts payable 11.84M 11.37M 6.00M 6.00M 4.67M
Accumulated other comprehensive income 1.00M -0.07M 0.24M 0.24M -0.41M
Common stock total equity - - - 0.05M 0.04M
Retained earnings total equity - - - -161.06M -
Non currrent assets other 28.20M 16.34M 10.94M 0.75M 9.46M
Non current assets total 1100.20M 1117.51M 121.17M 121.17M 104.87M
Capital lease obligations 74.23M 66.54M 48.84M 16.26M -
Breakdown 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Type yearly yearly yearly yearly yearly
Date 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Investments -20.73M -4.03M -4.34M -58.03M -7.96M
Change to liabilities 0.04M 28.75M 38.37M 25.42M 18.21M
Total cashflows from investing activities -20.73M -278.49M -4.34M -58.03M -7.96M
Net borrowings 28.88M -0.32M -0.04M -0.04M -0.04M
Total cash from financing activities 15.92M 274.12M 274.12M 84.09M 6.26M
Change to operating activities -21.64M -8.82M -12.36M -6.21M -0.49M
Net income -50.12M -41.27M -41.27M -27.73M -22.31M
Change in cash -283.03M 280.24M 280.24M 16.84M -6.33M
Begin period cash flow 371.43M 91.18M 91.18M 74.35M 80.68M
End period cash flow 88.40M 371.43M 371.43M 91.18M 74.35M
Total cash from operating activities -19.23M 9.22M 9.22M -9.00M -4.59M
Issuance of capital stock 0.00M 0.00M 268.38M 80.00M 0.00M
Depreciation 10.01M 7.43M 7.43M 4.61M 1.46M
Other cashflows from investing activities - - - -52.27M -
Change to inventory - -3.34M -3.34M -1.63M -1.19M
Change to account receivables -13.51M -11.41M -11.41M -14.16M -5.66M
Sale purchase of stock - - 274.36M 81.04M 6.26M
Other cashflows from financing activities 16.24M 5.78M 5.78M 4.09M 6.26M
Change to netincome 58.93M 8.01M 23.05M 5.69M 4.20M
Capital expenditures 5.46M 4.34M 4.34M 5.76M 7.96M
Change receivables - - -11.41M - -
Cash flows other operating - - 21.22M - -
Exchange rate changes - - 1.24M - -
Cash and cash equivalents changes - - 280.24M - -
Change in working capital 6.43M 14.59M 14.59M 5.05M 12.06M
Stock based compensation 28.48M 25.21M 25.21M 5.75M 4.09M
Other non cash items 10.26M 3.09M 3.09M 3.14M 16.26M
Free cash flow -24.69M 4.88M 4.88M -14.76M -12.55M

Peer Comparison*

Sector: Technology Industry: Software - Application

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
NCNO
nCino Inc		 0.04
0.20%		 22.43 - - 6.99 3.17 6.91 441.20
SAP
SAP SE ADR		 -0.29
0.12%		 233.81 28.16 22.42 6.52 4.85 5.60 16.61
CRM
Salesforce Inc		 -2.48
1.14%		 215.53 23.41 15.55 4.79 5.56 5.55 14.88
SAPGF
SAP SE		 0.50
0.21%		 234.50 76.28 22.88 5.61 3.84 5.59 26.18
SHOP
Shopify Inc		 -1.14
0.76%		 148.12 90.18 53.19 12.70 13.17 12.23 67.86

Profile*

nCino Inc

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 connects financial institution employees, clients and third parties on a single cloud-based platform which include client onboarding, deposit account opening, loan origination, end-to-end mortgage suite, and powerful ecosystem. The company's nIQ, an application suite that utilizes data analytics and artificial intelligence and machine learning 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 cloud-based mobile-first homeownership software solution. 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 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.

6770 Parker Farm Drive, Wilmington, NC, United States, 28405

888 676 2466

https://www.ncino.com

1653

Name Title Year Born
Mr. Pierre Naude Co-Founder, Chairman & CEO 1959
Mr. Joshua L. Glover Pres & Chief Revenue Officer 1979
Mr. David M. Rudow CFO & Treasurer 1969
Mr. Gregory D. Orenstein Chief Corp. Devel. & Strategy Officer 1969
Mr. Sean Desmond Chief Customer Success Officer 1973
Mr. Pullen Daniel Co-Founder, Exec. VP of Corp. Devel. & Strategy NA
Ms. Katie Smith Director of Operations NA
Jeanette Sellers VP of Accounting NA
Ms. April Rieger Exec. VP, Gen. Counsel & Sec. 1980
Mr. Jaime Punishill Chief Market Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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