
Browsing restrictions can be lifted for a fee.
-0.56%
Ncino, inc.
-2.59%
Avg of Sector
-2.16%
S&P500

Browsing restrictions can be lifted for a fee.
| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
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, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML 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 suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. 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 sales team comprising 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.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Ncino, inc. (NCNO) covers the period of 2026Q3 and was published on 2025/10/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating NCNO's short-term business performance and financial health. For the latest updates on NCNO's earnings releases, visit this page regularly.
According to the latest financial report, Ncino, inc. (NCNO) reported an Operating Profit of 11.72M with an Operating Margin of 7.7% this period, representing a growth of 1,521.84% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Ncino, inc. (NCNO) announced revenue of 152.16M, with a Year-Over-Year growth rate of 9.63%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Ncino, inc. (NCNO) had total debt of 269.37M, with a debt ratio of 0.17. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Ncino, inc. (NCNO) held Total Cash and Cash Equivalents of 87.59M, accounting for 0.06 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Ncino, inc. (NCNO) achieved the “three margins increasing” benchmark, with a gross margin of 61.6%%, operating margin of 7.7%%, and net margin of 4.3%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess NCNO's profit trajectory and future growth potential.
According to the past four quarterly reports, Ncino, inc. (NCNO)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.06. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Ncino, inc. (NCNO)'s Free Cash Flow (FCF) for the period is 4.9M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 3.92% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Ncino, inc. (NCNO) has a Price-To-Earnings (PE) ratio of -134.73 and a Price/Earnings-To-Growth (PEG) ratio of -0.8. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.