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NCNO | NASDAQ

$23.34 $1.34 | 6.09%
TREND SIGNAL:Signal available — unlock to view |2026-10-20

Company Overview:

Market Cap: $2.47B
Trailing PE: —
FWD PE: —
Payout Ratio (TTM): —
52-Week Range: $13.80 - $27.50

6.3 Year NCNO Performance Metrics:

Total Return (with DRIP): -74.5% (-19.51% CAGR)
Total Return (no DRIP): -74.5% (-19.51% CAGR)
Share Price: -74.5% (-19.51% CAGR)
Yield on Cost (with DRIP): —
Total Invested: $10,000
Total Value (with DRIP): $2,548
Total Return $ (with DRIP): -$7,452
NCNO Total Return
1M 3M 6M YTD 1Y 3Y 5Y 10Y
NCNO Price Chart
1M 3M 6M YTD 1Y 3Y 5Y 10Y All

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NCNO Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

NCNO - Revenue
NCNO Revenue CAGR:1Y: 10.60%2Y: 11.56%5Y: 20.65%10Y: 0.00%
NCNO - Earnings Per Share (EPS)
NCNO EPS CAGR:1Y: 140.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - Net Income
NCNO Net Income CAGR:1Y: 169.53%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - EBITDA
NCNO EBITDA CAGR:1Y: 21.51%2Y: 163.81%5Y: 0.00%10Y: 0.00%
NCNO - Free Cash Flow
NCNO Free Cash Flow CAGR:1Y: 53.59%2Y: 22.37%5Y: 62.93%10Y: 0.00%
NCNO - Free Cash Flow / Share
NCNO Free Cash Flow / Share CAGR:1Y: 62.48%2Y: 25.54%5Y: 58.46%10Y: 0.00%
NCNO - Operating Income
NCNO Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - Gross Profit
NCNO Gross Profit CAGR:1Y: 16.77%2Y: 14.56%5Y: 22.86%10Y: 0.00%
NCNO - Shares Outstanding
NCNO Shares Outstanding CAGR:1Y: -6.11%2Y: -2.10%5Y: 3.00%10Y: 0.00%
NCNO - Share Buybacks
NCNO Share Buybacks CAGR:1Y: 171.22%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - Stock-Based Comp
NCNO Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - Expenses
NCNO Expenses CAGR:1Y: -64.26%2Y: 11.71%5Y: 3.30%10Y: 0.00%
NCNO - Revenue by Segment
NCNO Revenue CAGR:1Y: 10.60%2Y: 11.56%5Y: 20.65%10Y: 0.00%
NCNO - Revenue by Region
NCNO Revenue CAGR:1Y: 10.60%2Y: 11.56%5Y: 20.65%10Y: 0.00%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

NCNO - REVENUE: Actual + Estimates
NCNO Actual Revenue CAGR:1Y: 10.60%2Y: 11.56%5Y: 20.65%10Y: 0.00%
NCNO - EPS: Actual + Estimates
NCNO Actual EPS CAGR:1Y: 140.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - NET INCOME: Actual + Estimates
NCNO Actual Net Income CAGR:1Y: 169.53%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - EBITDA: Actual + Estimates
NCNO Actual EBITDA CAGR:1Y: 21.51%2Y: 163.81%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

NCNO - Net Profit Margin
NCNO Net Profit Margin CAGR:1Y: 121.76%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - Gross Profit Margin
NCNO Gross Profit Margin CAGR:1Y: 0.80%2Y: 0.34%5Y: 0.89%10Y: 0.00%
NCNO - Price to Earnings
NCNO Price to Earnings CAGR:1Y: -71.02%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - Price To Sales Ratio
NCNO Price To Sales Ratio CAGR:1Y: -35.60%2Y: -32.35%5Y: -34.54%10Y: 0.00%
NCNO - Return on Capital Employed
NCNO Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
NCNO - Return on Invested Capital
NCNO Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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Projected Future Returns & Dividends for NCNO

Based on past 6.3-year performance, here are NCNO growth metrics:

Share price CAGR of -19.51%
Dividend CAGR of +0%

Using NCNO CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

NCNO (DRIP)NCNO - No DRIP
Current Price$23.34$23.34
Start Shares428.45428.45
Start Value$10,000$10,000
  
After 10 years:
Final Share Count428.45428.45
Dividends Payment$0.00$0.00
Annual Dividends$0$0
Yield on cost0.00%0.00%
Share Price$2.66$23.34
Total Dividends$0$0
Final Value$1,142$10,000

Estimated Future Value + Dividends - NCNO

NOTE: Above numbers are our estimate based on NCNO's Dividend and Price CAGR over past 6.3 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

nCino, Inc. (NCNO) had its IPO on 2020-07-14, and is traded on NASDAQ stock exchange.

nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.

NCNO website: https://www.ncino.com


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DCF Model — NCNO

Value from:
Pay up to today
—
vs current price $23.34
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →