nCino, Inc.
NCNOTechnologyNASDAQSoftware - Application · Last scanned Jul 18, 2026
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Daily timeframenCino, Inc. nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. Valued at $1.96B, NCNO is a small-cap name in its sector. 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
$1.96B
Beta
0.68
P/E (TTM)
148.75
P/E (Fwd)
11.98
EPS (TTM)
$0.12
EPS (Fwd)
$1.49
ROE
1.8%
ROA
1.1%
Cash
$102.8M
Total Debt
$326.7M
Free CF
$138.5M
52W Change
-41.7%
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. The company generates $138.5M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 1.8%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
With a beta below 0.7, nCino, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. At over 50x earnings, NCNO carries valuation risk — any slowdown in growth expectations could lead to meaningful price adjustments. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence nCino, Inc.'s trajectory.