nCino, Inc.

nCino, Inc.

NCNOยทNASDAQ

$15.88

-7.6%
TechnologySoftware - Application

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.

At a Glance

Live Snapshot
Market Cap$1.74B
EPS0.0500
P/E Ratio317.60
Earnings Date08/25/2026
3Y-686.0%
5Y+877.0%
10Y-664.0%
3Y+161.0%
5Y+1147.0%
10Y+1806.0%
3Y-299.0%
5Y-127.0%
10Y-204.0%
NCNO

nCino, Inc. Cash Conversion Engine

NCNO ยท NASDAQ
Net Income5.18M
Depreciation & Amortization42.26M
Stock-Based Compensation73.88M
Change in Working Capital-34.78M
Others9.71M
Capital Expenditures-7.50M
Free Cash Flow82.56M

Cash Flow Quality Analysis

FCF Conversion Rate

1593.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

8.3%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+56.0%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$34.78M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

nCino, Inc. Cash Flow Statement

NCNO โ€ข NASDAQ

nCino, Inc. Cash Flow StatementJan 2026Jan 2025Jan 2024Jan 2023Jan 2022Jan 2021Jan 2020Jan 2019Jan 2018
OPERATING ACTIVITIES
5.2M
-37.9M
-42.3M
-102.7M
-49.4M
-40.5M
-27.7M
-22.3M
-18.6M
42.3M
36.3M
45.3M
38.5M
12.5M
7.4M
4.6M
1.5M
970K
-6.2M
-7.1M
-2.3M
1.6M
-24.3M
168K
195K
-16.2M
0.0
73.9M
0.0
0.0
0.0
0.0
0.0
5.7M
4.1M
3.8M
9.7M
102.3M
73.1M
62.1M
35.5M
27.6M
3.1M
16.3M
-329K
(0.0)
(3.6M)
(3.2M)
(664K)
(1M)
(631K)
(369K)
-42K
(0.0)
-34.8M
-38.5M
-16.4M
-14.9M
6.4M
14.6M
5.1M
12.1M
-1.8M
90.1M
55.2M
57.3M
-15.4M
-19.2M
9.2M
-9M
-4.6M
-16M
INVESTING ACTIVITIES
-7.5M
-2.3M
-3.9M
-18.9M
-5.5M
-4.3M
-5.8M
-8M
-2.8M
-50.3M
-216.9M
(1M)
(676K)
-269M
(0.0)
-52.3M
(0.0)
(0.0)
(0.0)
(0.0)
-2.5M
-2.5M
-4M
(0.0)
(0.0)
(0.0)
(0.0)
3.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-54.1M
-219.2M
-5.3M
-20.7M
-278.5M
-4.3M
-58M
-8M
-2.8M
FINANCING ACTIVITIES
-118.9M
7.3M
9.1M
8.2M
16.2M
274.4M
80M
0.0
69.3M
47.5M
163.2M
-31.2M
28.5M
-318K
-37K
0.0
0.0
0.0
-125.1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-1.6M
0.0
0.0
0.0
0.0
-197K
4.1M
6.3M
832K
-73M
170.5M
-22.1M
36.7M
15.9M
274.1M
84.1M
6.3M
70.1M
CASH FLOW SUMMARY
4.5M
2.3M
205K
-6.6M
-1.6M
1.2M
-229K
-35K
12K
-32.6M
8.8M
30M
-6M
-283.4M
280.2M
16.8M
-6.3M
51.4M
121.3M
112.1M
82M
88M
371.4M
91.2M
74.3M
80.7M
29.3M
88.7M
120.9M
112.1M
82M
88M
371.4M
91.2M
74.3M
80.7M
82.6M
52.9M
53.4M
-34.3M
-24.7M
4.9M
-14.8M
-12.6M
-18.8M

SEC Filings

NCNO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q2

Q2

May 27, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

May 27, 2026
May 27, 2026
2026
DEF 14A

DEF 14A 2026

N/A

May 08, 2026
June 18, 2026
2026
10-K

10-K 2026 FY

FY

March 31, 2026
January 31, 2026
2026
8-K

8-K 2026

N/A

March 31, 2026
March 30, 2026
2026
8-K

8-K 2025

N/A

December 08, 2025
December 08, 2025
2025
10-Q

10-Q 2025 Q4

Q4

December 03, 2025
October 31, 2025
2025
8-K

8-K 2025

N/A

December 03, 2025
December 01, 2025
2025
8-K

8-K 2025

N/A

August 26, 2025
August 26, 2025
2025
10-Q

10-Q 2025 Q3

Q3

August 26, 2025
July 31, 2025
2025
Showing 1 to 10 of 66 filings