nCino, Inc.: stock overview

NCNONASDAQTechnology · Services-Prepackaged Software

Price

$22.76

November 13, 2026Market cap $2.4B

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  • The full history: 7 fiscal years, from FY2020
  • The estimated fair value, with its range and its certainty
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  • More questions to the chat on its filings
  • Excel with every year
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In short

nCino had revenue of $622M over the last 12 months and net income of $34M, a net margin of 5.4%. Revenue grew by 23.8% a year on average over the last 5 years. At $22.76 the shares trade at a P/E of 71.6. It has net debt of $243M. It pays no dividend.

From its SEC filings (latest fiscal year to January 31, 2026) and the price of November 13, 2026.

Its SEC filings
Market cap
$2.4B
106M shares
P/E
71.6
Revenue, 12 months
$622M
+23.8% a year over 5 years
Net margin
5.4%
FY2025: 1.6%, above 49% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

FY2024–FY2026 fiscal years

+11.7% a year over 2 years

  • FY2026Jan 31, 202610-K
    Revenue$595M
  • FY2025Jan 31, 202510-K
    Revenue$541M
  • FY2024Jan 31, 202410-K
    Revenue$477M

Fiscal years in figures

NCNO's revenue, profit, cash flow and dividend with each year-end price, from FY2020 to FY2023, 4 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $3.6B
$2.4B
Enterprise value 
$2.6B
P/E 
71.6
EV / EBIT 
53.8
EV / Revenue 
4.3
P/B 3-year median: 3.4
2.6
FCF yield 3-year median: 1.5%
5.5%
Earnings yield 3-year median: -1.0%
1.4%

Profitability

Gross margin 
62.2%
Operating margin 
7.9%
Net margin 3-year median: -7.0%
5.4%
ROIC 
3.9%
ROIC, 5-year average 
-3.3%
ROE 
3.3%

Growth

Revenue, yearly change 
+10.0%
EPS, yearly change 
–
FCF, yearly change 
+54.7%
Revenue, average a year 
+23.8%

The yearly change compares FY2026 with FY2025.

Balance sheet

Cash 
$83M
Total debt 
$339M
Of which operating leases 
$13M
Net debt 
$243M
Net debt / EBITDA 
2.7x
Interest cover 
2.7x
Current ratio 
0.85

Balance sheet of July 31, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
5.20%
Total returned 
5.20%
Shares, yearly change 
-1.6%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 73).

Gross margin

60.6%

Above 49% of the 293 companies in its industry, and 79% of all.

Operating margin

0.6%

Above 44% of the 462 companies in its industry, and 36% of all.

Net margin

1.6%

Above 49% of the 473 companies in its industry, and 40% of all.

ROE

0.9%

Above 42% of the 398 companies in its industry, and 33% of all.

ROA

0.6%

Above 46% of the 462 companies in its industry, and 39% of all.

Revenue growth

10.0%

Above 53% of the 461 companies in its industry, and 62% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
nCino, Inc.
CIK
1902733
Exchange
NASDAQ
Industry (SIC)
7372 · Services-Prepackaged Software
Fiscal year ends
January 31
Latest annual report
January 31, 2026
Reporting currency
USD
Shares
106M

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The full analysis

What do nCino's filings show?

These are nCino's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about NCNO

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What is NCNO's market cap?

nCino, Inc.'s market cap is $2.4B, at a price of $22.76 on November 13, 2026 and 106M shares.

What is NCNO's P/E?

NCNO's P/E is 71.6, on earnings per share of $0.31 over the last 12 months.

How much revenue does NCNO have?

nCino had revenue of $622M over the last 12 months. Over the last 5 years it changed by +23.8% a year on average.

Does NCNO pay a dividend?

No. nCino paid no regular dividend over the last 12 months.

Where do the figures come from?

From nCino, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.