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Company Analysis

nCino, Inc. NCNO

A comprehensive view of key metrics, scores, and financial health for nCino, Inc.

Overview of nCino, Inc.

NCNO NMS
Technology Software - Application Small Cap
nCino, Inc. (NCNO), is a Small Cap company, in the Software - Application industry, last closed at $15.07, about 23.4% undervalued vs fair value, -47.5% 1Y return, ranked 390/761 in sector.
$15.07
-0.99%
As of March 13, 2026
Previous close • Vol 90d: 48.4%
52-Week Range
Market Cap
$1.93B
Enterprise Value
$2.11B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.ncino.com
HQ Wilmington, NC
Employees 1,833
Fiscal year Jan 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$17
$19
$21
Current: $15.07 +23% vs base

Engine Room Money Flow™

Small Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$540.7M
13.5%%
Gross Profit
$324.8M
13.9%%
Operating Income
$-18.1M
54.1%%
Net Income
$-37.9M
10.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Operating Cash Flow Margin
10.2%
Fair

OCF / Revenue - cash profitability from operations

Locked Metric
-
Premium

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating nCino, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
50
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 65% Coverage
Trade-Off Triangle Visualization A ternary plot showing NCNO's balance between Growth (44.3%), Profitability (28.7%), and Safety (27.0%). Growth 44% Safety 27% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

68th percentile vs peers
68
Key Signals
Revenue CAGR 3Y 25.4% 76p Rev Growth YoY 13.5% 60p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

44th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

41th percentile vs peers
41
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for nCino, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.60
- - -
+23.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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