nCino, Inc.
Financials
Valuation Metrics
nCino, Inc.'s Market Cap is $2.52B. At end of 2025 it was $2.92B. Ranked #1824 of 3,114 in US market (top 59%), #661 of 1,472 on NASDAQ (top 45%), #168 of 271 in Software & Services (top 62%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $2.52B | US#1,824/3,114 Sec#168/271 |
| Revenue | $622M | US#2,143/3,114 Sec#202/271 |
| Net Income | $34M | US#1,997/3,114 Sec#164/271 |
| Total Assets | $1.57B | US#2,233/3,114 Sec#177/271 |
| Net Assets | $930M | US#1,806/3,114 Sec#138/271 |
| Employees | 1,684 | US#1,774/3,114 Sec#179/271 |
| Value | ||
| P/E | 75.03x | US#2,024/3,114 Sec#156/271 |
| P/B | 2.71x | US#1,630/3,114 Sec#84/271 |
| P/S | 4.05x | US#2,072/3,114 Sec#152/271 |
| EV/EBITDA | 33.67x | US#2,253/3,114 Sec#166/271 |
| FCF Yield | 5.24% | US#1,329/3,114 Sec#125/271 |
| Profitability | ||
| ROE | 3.61% | US#1,903/3,114 Sec#155/271 |
| ROA | 2.14% | US#1,594/3,114 Sec#158/271 |
| Op. Margin | 8.07% | US#1,721/3,114 Sec#134/271 |
| Revenue Growth | 8.57% | US#1,385/3,114 Sec#171/271 |
| Financial Health | ||
| Debt Ratio | 67.38% | US#740/3,114 Sec#69/271 |
| Total Debt | $339M | US#2,054/3,114 Sec#159/271 |
| FCF | $132M | US#1,608/3,114 Sec#162/271 |
| Cash | $83M | US#2,328/3,114 Sec#240/271 |
| Current Ratio | 0.85x | US#2,444/3,114 Sec#241/271 |
| Net Debt/EBITDA | 3.10x | US#1,643/3,114 Sec#168/271 |
| Performance | ||
| 1Y Return | -13.16% | US#2,199/3,114 Sec#152/271 |
| 1M Return | 24.04% | US#186/3,114 Sec#62/271 |
| From 52W High | -15.75% | US#1,255/3,114 Sec#109/271 |
| 1Y MDD | -46.71% | US#2,302/3,114 Sec#133/271 |
| Trading | ||
| Volume | 1,429,622 shares | US#1,064/3,114 Sec#120/271 |
| Trading Value | $33M | US#1,468/3,114 Sec#151/271 |
| Per Share | ||
| EPS | $0.31 | US#1,958/3,114 Sec#149/271 |
| BPS | $8.55 | US#1,937/3,114 Sec#112/271 |
Company Info
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.