NCNO · NasdaqGS
nCino, Inc.
Software - Application · United States
- Market cap (USD)
- US$2.23B
- Trailing P/E
- 67.90x
- Forward P/E
- 13.30x
- Quarterly revenue growth
- 8.2%
- Trailing net margin
- 5.4%
- Indicated dividend yield
- —
Snapshot 2026-09-20 · Latest financial period 2026-07-31 · Yahoo Finance. Quotes may be delayed; reporting periods can differ.
Company background
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
Company websiteQ2 FY2027
Go beyond the headline.
NCNO Stock: SELL Call - $176M Of Buybacks On $115M Of Cash Q2 FY2027
Published 2026-08-31
Short takes Q2 FY2027
NCNO Stock: nCino Q2 FY2027 - It Borrowed To Buy Its Own Shares
Watch Short on YouTube
Comparable businesses
NCNO peer comparison
Same business group first, then company size. Preferred market cap: 0.5–2x; extended range: one-third–3x. Outside that range, industry benchmarks are labeled separately and excluded from peer medians.
No suitable peers with fresh, comparable size data are available. We have not substituted unrelated companies.
| Metric | NCNOnCino, Inc.Snapshot 2026-09-20Financial period: 2026-07-31 |
|---|---|
| Market capMarket value, converted to USD | US$2.23B |
| Forward P/EProvider forward earnings estimate | 13.30x |
| EV / EBITDAEnterprise value / trailing EBITDA | 27.18x |
| Revenue growthLatest quarter vs prior-year quarter | 8.2% |
| Operating marginLatest reported quarter | 8.5% |
| Free cash flow yieldTrailing cash flow / market cap | 6.8% |
| Net debt / EBITDANet debt / trailing EBITDA | 2.78x |
| Debt / equityTotal debt / positive book equity | 0.36x |
| Trailing P/ETrailing twelve-month earnings | 67.90x |
| Price / bookPrice / positive book equity per share | 2.38x |
| EV / salesEnterprise value / trailing revenue | 4.01x |
| Earnings growthLatest quarter vs prior-year quarter | — |
| Gross marginTrailing twelve months | 62.2% |
| Net marginTrailing twelve months | 5.4% |
| Return on equityProvider trailing return; positive equity only | 3.9% |
| Free cash flow marginTrailing free cash flow / revenue | 24.4% |
| Dividend yieldIndicated annual dividend / price | — |
| Earnings payoutProvider trailing dividend payout | 0.0% |
| Current ratioCurrent assets / current liabilities | 0.85x |
| BetaProvider historical market sensitivity | 0.69 |
Comparison methodology & limitations
Reviewed operating groups override broad sector classifications. Other companies are matched only within a sufficiently specific provider industry. Business mix, geography and accounting standards can still differ. Market caps are converted to USD using exchange rates captured during the snapshot refresh. Financial ratios that would mix currencies are omitted. Snapshots must be at most 14 days old and no more than seven days apart for automatic selection.
Peer medians require at least two valid similar-size peers for each metric. Negative earnings, nonpositive equity, missing data and irrelevant bank ratios are not presented as attractive valuations. A higher or lower number is not automatically a better investment. Financial statement periods are not calendar-aligned across companies.
Reported performance
Financial trends
Periods are grouped by their ending calendar year or quarter, not identical fiscal calendars. Exact period-end dates appear in tooltips and reported figures. When reporting currencies differ and a recent captured FX rate is available, money and EPS are normalized to USD for comparison. This is not a historical FX restatement. Gaps are not estimated.
Financial statements load separately from the research page.
Source: . Window ends at the latest available reporting period.
Revenue
Reported figures
Financial data & calculation notes
Standalone charts use the stated reporting currency. When a chart comparison spans currencies, money and EPS can be normalized to USD using a recent captured FX snapshot; this is for comparison only, not a historical FX restatement. Stock-based compensation is noncash. Free cash flow is operating cash flow less capital spending, which may include capitalized software. Missing metrics are not estimated or assumed to be zero. Banking and insurance ratios require industry-specific interpretation. Latest restatements may differ from figures in older episodes.
Market context
Valuation & price history
Adjusted closing price
Price history loads separately.
Price figures
Earnings-multiple scenario
Illustrative price = your earnings-per-share assumption × your P/E assumption. This is not a price target or a complete valuation model.
Starting assumptions, when available, use provider forward estimates as of 2026-09-20. Negative earnings require a different valuation method. This calculation omits balance-sheet, dilution and execution risks.
THE RESEARCH RECORD
Research history for NCNO
Q2 FY20272026-08-31
NCNO Stock: SELL Call - $176M Of Buybacks On $115M Of Cash Q2 FY2027
Presentation · 2026-08-31 · YouTube
Short takes Q2 FY2027
NCNO Stock: nCino Q2 FY2027 - It Borrowed To Buy Its Own Shares
Watch Short on YouTube
Q1 FY20272026-05-27
NCNO Stock: BUY Call - Op Margin +1400 Bps to 13% Q1 FY2027
Presentation · 2026-05-27 · YouTube