profit from every $100 of sales.
$0$100
nCino
$22.39-0.36% today
-14.7% in 1 year
1-year low $14.011-year high $26.29
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay $457.03 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What nCino sold, what it kept, and what it did with the cash.
Sales went from $408 million in 2023 to $595 million in 2026, with $5.18 million of profit last year.
SalesProfit
nCino handed back more cash to shareholders than it generated last year.
Buybacks $125M
Free cash flow 2026$83M
Bought back its own shares$125M
Paid as dividends–
Cash vs. debt$88M vs. $279M
nCino vs. similar companies
nCino grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| nCino | 457.0× · Very expensive | ||
 SAP | 34.0× · Expensive | ||
 Quhuo | No profit yet | ||
 Shopify | 156.0× · Very expensive | ||
 Salesforce | 24.1× · Fair price |
AI analysis
An AI analyst reads nCino's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 408 | 477 | 541 | 595 | |
| 239 | 285 | 325 | 360 | |
| -94 | -40 | -18 | 4 | |
| -60 | 7 | 10 | 66 | |
| -103 | -42 | -38 | 5 | |
| -0.93 | -0.38 | -0.33 | 0.05 | |
| 58.5% | 59.8% | 60.1% | 60.6% | |
| -23.0% | -8.3% | -3.4% | 0.6% | |
| -25.2% | -8.9% | -7.0% | 0.9% |
Balance sheet
| In millions of USD | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 1,327 | 1,340 | 1,610 | 1,648 |
| Cash | 82 | 112 | 121 | 88 |
| Total debt | 97 | 74 | 237 | 279 |
| Total liabilities | 300 | 288 | 513 | 579 |
| 1,024 | 1,049 | 1,089 | 1,056 | |
| 111 | 113 | 115 | 114 | |
| -6.7% | -2.7% | -1.6% | 1.4% | |
| -10.0% | -4.0% | -3.5% | 0.5% |
Cash flow
| In millions of USD | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -15 | 57 | 55 | 90 | |
| 18 | 4 | 2 | 8 | |
| -34 | 54 | 53 | 83 | |
| Dividends paid | – | – | – | – |
| – | 0 | 0 | 125 | |
| 50 | 58 | 72 | 74 |
Valuation
- 457.0×
- 18.6×
- –
- 2.3×
- 4.0×
- 28.7×
- 38.5×
- 3.5%
- 0.2%
- 0.0%
Profitability
- 60.6%
- 0.6%
- 0.9%
- 8.1%
- 1.5%
- -2.4%
- 1.3%
- 0.8%
- 2.0%
- 20.2%
Growth
- +13.4%
- –
- +56.0%
- –
- +1.1%
Financial health
- 2.9×
- 0.26
- 1.4%
- 1.4×
- 1.00
- 0.89
- 0.38
How it ranks in Technology
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 25%of 974
Bottom 22%of 975
Bottom 1%of 731
Top 38%of 982
Top 34%of 985
What analysts expect
- Average price target
- $32.33
- Range
- $27.00 – $36.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Mar 31, 2026 | 0.37 | 0.21 | +76.2% |
| Dec 3, 2025 | 0.31 | 0.21 | +50.0% |
| Aug 26, 2025 | 0.22 | 0.14 | +57.1% |
| May 28, 2025 | 0.16 | 0.16 | +0.0% |
| Apr 1, 2025 | 0.12 | 0.18 | −33.3% |
| Dec 4, 2024 | 0.21 | 0.16 | +31.2% |
| Aug 27, 2024 | 0.14 | 0.13 | +7.7% |
| May 29, 2024 | 0.19 | 0.14 | +40.4% |
News
NCino forecasts fiscal 2027 revenue of $644M-$647M while trimming U.S. mortgage outlookSeeking Alpha · Aug 26, 2026The newest story we have is from Aug 26, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
31No pass
Benjamin Graham
34No pass
Philip Fisher
42No pass
Peter Lynch
58No pass
Joel Greenblatt
2No pass
Charlie Munger
26No pass
Terry Smith
30No pass
Questions about nCino
Is nCino a good stock to buy?
A business with weak numbers, priced as if everything goes right. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the nCino AI analysis
What does nCino do?
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It is in Software - Application.
Does nCino pay a dividend?
No. nCino does not pay a dividend at the moment; in 2026 it returned $125 million to shareholders by buying back its own shares.
Is nCino stock halal?
Yes. nCino passes our halal screen: its business is permitted and its debt is 12% of its market value, under the 30% limit. How we check
How has nCino stock done over the past year?
Down 14.7% over the past twelve months, to $22.39. It traded between $14.01 and $26.29 and is 14.8% below its high.
Who are nCino's competitors?
The largest listed companies in the same industry are SAP, Quhuo, Shopify and Salesforce. The peers table on this page compares their profit, growth and price with nCino's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.