Stock AnaliznCino, Inc. NCNO
Computer Software: Prepackaged Software · IPO 2020 · data as of November 13, 2026
nCino, Inc. (NCNO) is a technology company listed in the US with a market value of about $2.4B. In the twelve months to July 31, 2026 it had revenue of $622M and net income of $34M, a net margin of 5.4%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is future growth (4/5); the weakest is value (1/5).
Key numbers: a P/E of 73.4, a price to free cash flow of 18.2, 5-year revenue growth of 24% a year, a 5-year average ROIC of -3%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 56% below the current price.
Score: 2.2 / 5
Checks passed
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- More cash than debt, or low debt to equity
- Positive free cash flow
Checks not passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $622M | $595M | $541M | $477M | $408M | $274M | $204M | $138M |
| Net income | $34M | $5M | -$38M | -$42M | -$103M | -$49M | -$41M | -$28M |
| Free cash flow | $132M | $83M | $53M | $54M | -$34M | -$25M | $5M | -$15M |
| EPS (diluted) | $0.31 | $0.05 | $-0.33 | $-0.38 | $-0.93 | $-0.51 | $-0.46 | $-0.35 |
| Net margin | 5.4% | 0.9% | -7.0% | -8.9% | -25.2% | -18.1% | -19.8% | -20.0% |
| ROIC | — | 0.2% | -1.3% | -2.9% | -6.8% | -4.5% | -7.9% | -13.3% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 12 analysts is $24.42, 7% above the current price; targets range from $17.00 to $28.00; the consensus rating is “none”; expected EPS is $1.30 for the fiscal year ending January 31, 2027.
Frequently asked questions
What is nCino’s P/E ratio?
About 73.4, based on the last twelve months of diluted earnings per share (forward P/E about 15.6).
Is nCino stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 56% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does nCino pay a dividend?
Not currently.
Is nCino a good stock to buy?
We do not give buy or sell advice. nCino scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.