Ncino Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $622.2M+15.1% YoYTTM through 31 Jul 2026
Net Income $33.6MTTM through 31 Jul 2026
Free Cash Flow $132.2MTTM through 31 Jul 2026
Margins
| Current | |
|---|---|
| Gross Margin | 60.6% |
| EBITDA Margin | 14.5% |
| Operating Margin | 0.6% |
| Net Margin | 5.4% |
Returns
0.5%ROE
0.3%ROA
0.4%ROIC
Balance Sheet Health
Debt / Equity0.25x
Current Ratio1.00x
Net Debt$176.3M
Cash & Equivalents$83.3M
Quality Metrics
Altman Z-Score2.14
Piotroski F-Score7 / 9
FCF Margin21.2%
Rule of 4024.8
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2026: $594.8M
Diluted EPS$0.31TTMFY2026: $0.05
Dividend
No dividend
Capital Allocation
R&D Spend$119.4M
Capex Intensity0.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| nCino Platform | $594.8M | +10.0% | View detailsThe company operates as a single operating and reportable segment. Management expects continued expansion driven by the transition to asset-based pricing and the integration of advanced generative AI capabilities (such as Banking Advisor). |
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