Ncino, Inc.

  • Moat Score
  • Market Cap $2.55B
  • PE -67
  • Debt -
  • Cash $121.27M
  • EV -
  • FCF $53.38M

Earnings

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Sales & Net Margins

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Earnings-$37.88M
EBIT-$18.13M
ROE-3%
ROA-1%
FCF$53.38M
Equity$1.09B
Growth Stability1
PE-67.34
PB2.34
P/FCF47.78
P/S4.72
Price/Cash0.05
Net Margins-7%
Gross Margins60%
Op. Margins-3%
Sales Growth YoY14%
Sales Growth QoQ2%
Sales CAGR24%
FCF CAGR19%
Equity CAGR37%
Earnings Growth YoY-1K%
Earnings Growth QoQ254%
Sales CAGR 5Y24%
FCF CAGR 5Y19%
Equity CAGR 5Y37%
Earnings CAGR 3Y21%
Sales CAGR 3Y21%
FCF CAGR 3Y150%
Equity CAGR 3Y2%
Market Cap$2.55B
Revenue$540.66M
Assets$1.61B
Cash$121.27M
Shares Outstanding115.16M
Moat Score9%
Working Capital50.74M
Current Ratio1.2
Gross Profit$324.79M
Shares Growth 3y2%
Equity Growth QoQ0%
Equity Growth YoY4%

Assets & ROA

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Stockholders Equity & ROE

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Ncino Inc is a provider of cloud-based software for financial institutions. Its software solution digitizes, automates, and streamlines inefficient and complex processes & workflow and utilizes data analytics & artificial intelligence that enables financial institutions to more effectively onboard new clients, make loans and manage the entire loan life cycle, open deposit, and other accounts and manage regulatory compliance. It also offers professional services, including configuration & implementation, training, and advisory services. Ncino generates the majority of its revenue from subscription services. The company caters to global financial institutions, enterprise banks, regional banks, community banks, and credit unions. The vast majority of its revenue comes from the United States.

SEC Filings

Direct access to Ncino, Inc. (NCNO) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2025
    • 10-K Jan 31
  • 2024
    • 10-Q Oct 31
    • 10-Q Jul 31
    • 10-Q Apr 30
    • 10-K Jan 31
  • 2023
    • 10-Q Oct 31
    • 10-Q Jul 31
    • 10-Q Apr 30
    • 10-K Jan 31

Sector Comparison

How does Ncino, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Ncino, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Ncino, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Ncino, Inc..

= $2B
012345678910TV
fcf$53M$63M$75M$89M$105M$125M$148M$176M$208M$247M$293M$2.9B
DCF$58M$62M$67M$72M$78M$84M$90M$97M$105M$113M$1.1B
Value$2B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years01/202001/202101/202201/202301/202401/2025TTM
Net Margins-20%-20%-18%-25%-9%-7%-7%
ROA---5%-7%-3%-1%-1%
ROE---5%-10%-4%-3%-3%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years01/202001/202101/202201/202301/202401/2025TTM
Debt over FCF-------
Debt over Equity-------
Growth Stability------1

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years01/202001/202101/202201/202301/202401/2025CAGR 5Y
Revenue YoY growth-48%34%49%17%13%24%
Earnings YoY growth-49%21%105%-58%-13%-
Equity YoY growth-154%151%-4%2%4%37%
FCF YoY growth--133%-606%37%-259%-1%19%