nCino, Inc. (NCNO)

23.12USD -2.16% (-0.51)

Over 1M: +20.6%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

20 22 24
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q2 '22 — Operating Income: -13.2M Q2 '22 — Free Cash Flow: 12.6M Q3 '22 — Operating Income: -12.7M Q3 '22 — Free Cash Flow: -21.4M Q4 '22 — Operating Income: -30M Q4 '22 — Free Cash Flow: -22.9M Q1 '23 — Operating Income: -27.2M Q1 '23 — Free Cash Flow: -3.4M Q2 '23 — Operating Income: -25M Q2 '23 — Free Cash Flow: 4.9M Q3 '23 — Operating Income: -18.4M Q3 '23 — Free Cash Flow: -8.7M Q4 '23 — Operating Income: -23.3M Q4 '23 — Free Cash Flow: -26.5M Q1 '24 — Operating Income: -8.6M Q1 '24 — Free Cash Flow: 29.7M Q2 '24 — Operating Income: -14.8M Q2 '24 — Free Cash Flow: 11.1M Q3 '24 — Operating Income: -12.9M Q3 '24 — Free Cash Flow: 5.3M Q4 '24 — Operating Income: -3.2M Q4 '24 — Free Cash Flow: 7.7M Q1 '25 — Operating Income: -3.7M Q1 '25 — Free Cash Flow: 54.1M Q2 '25 — Operating Income: -7.9M Q2 '25 — Free Cash Flow: 4.6M Q3 '25 — Operating Income: -824K Q3 '25 — Free Cash Flow: 5.1M Q4 '25 — Operating Income: -5.7M Q1 '26 — Operating Income: -1.5M Q1 '26 — Free Cash Flow: 52.6M Q2 '26 — Operating Income: -9.3M Q2 '26 — Free Cash Flow: 12.6M Q3 '26 — Operating Income: 11.7M Q3 '26 — Free Cash Flow: 4.9M Q4 '26 — Operating Income: 2.8M Q4 '26 — Free Cash Flow: 12.5M Q1 '27 — Operating Income: 21.1M Q1 '27 — Free Cash Flow: 80.8M -25M 0 25M 50M 75M 100M
Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26 Q1 '27
Operating Income Free Cash Flow

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

2.9
SBC / sales 11.8%
OE margin 6.4%
ROIC 1.7%
Accruals -6.5%
OCF / EBIT 4.4×
FCF margin 18.2%
Gross margin 61.4%
OCF margin 19.2%
ROA 0.82%
ROCE 2.0%
ROE 1.4%

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

1.9
EV/OE 71.0×
EV/EBIT 104.5×
FCF yield 4.4%
P/B 2.6×
EV/GP 7.3×
EV/Sales 4.5×
P/C 24.6×
P/E 191.0×
Div. yield —
Fwd P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

7.8
RPO / sales 2.1×
RPO growth 8.3%
Segment HHI —

4 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

5.0
ND/EBITDA -0.08
F-score 7.9 pts
Payout 0.0%
Debt / Eq 0.33×
Debt payback 2.0 yr
Net debt / Eq 0.23×
Cash / Debt 0.32×
Quick ratio 0.89×
Cash runway —

3 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

6.0
Sales CAGR 4Y +21.4%
Sales/sh Y/Y +10.4%
Shares change -0.71%
Sales Q/Q +10.6%
Div. growth —
EBIT CAGR —
EBIT Y/Y —
EPS CAGR 4Y —
EPS Y/Y —
EPS next Y —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.