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

$2B

Market Cap • 10/2/2026

2011

(15 years)

Founded

2020

(6 years ago)

IPO

NASDAQ

Listing Exchange

Flag of United States

United States

Country

Valuation

P/B

2,1

P/S

3,2

P/EBITDA

18,4

P/OCF

14,8

P/FCF

14,9

P/E

62,3

BVPS

8,8

EPS

0,3

Market Cap

Market Cap

2B

EV

2,2B

EV/Revenue

3,6

EV/EBITDA

20,9

EV/EBIT

45,6

Payout

Dividend Per Share

0

Dividend Yield

0%

Buyback Yield

11,9%

Total Yield

11,9%

Payout

0%

Retained Earnings

-355,7M

Profitability

Gross Margin

62,2%

EBITDA Margin

17,3%

EBIT Margin

7,9%

Net Margin

6,2%

D&A/EBITDA

0%

R&D/Revenue

19,2%

Capex/Revenue

0,2%

Capex/D&A

2,5%

Capex/OCF

1,1%

SBC/OCF

53,4%

% PPE

5,4%

% Goodwill

68,4%

ROE

3,9%

ROIC

3,6%

Growth

CAGR Revenue 5Y

21%

Leverage

N.D./EBITDA

2,4

Debt/Equity

0%

Current Ratio

0,8

Quick Ratio

0,7

Interest Coverage

269,8%

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