nCino, Inc.
NCNOTechnologyNASDAQSoftware - Application · Last scanned Jun 3, 2026
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Daily timeframeHeadquartered within the technology sector, nCino, Inc. focuses on Software - Application services and products. nCino, Inc. nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. With a market capitalization of $1.82B, it sits in small-cap territory. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses.
Market Cap
$1.82B
Beta
0.72
P/E (TTM)
138.58
P/E (Fwd)
10.87
EPS (TTM)
$0.12
EPS (Fwd)
$1.53
ROE
1.8%
ROA
1.1%
Cash
$102.8M
Total Debt
$326.7M
Free CF
$138.5M
52W Change
-38.9%
Annual Financials
Cash vs Debt
nCino, Inc. carries $326.7M in total debt against $102.8M in cash reserves — debt is roughly 3.2x the cash position. Managing this leverage effectively will be important for long-term financial stability. Annual free cash flow of $138.5M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 1.8% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $273.9M (2022) to $594.8M (2026), reflecting a 117% increase over the period.
At over 50x earnings, NCNO carries valuation risk — any slowdown in growth expectations could lead to meaningful price adjustments. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for nCino, Inc. and its sector.