NCNO - nCino, Inc.
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$29.50
DETAILS
HIGH:
$36.00
LOW:
$21.00
MEDIAN:
$30.50
CONSENSUS:
$29.50
UPSIDE:
83.57%
| Metric | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||
| Revenue | 594.8 | 540.7 | 476.5 | 408.3 | 273.9 | 204.3 | 138.2 | 91.5 | 58.1 |
| Cost of Revenue | 234.6 | 215.9 | 191.5 | 169.6 | 111.4 | 88.1 | 64.1 | 46.5 | 30.5 |
| Gross Profit | 360.2 | 324.8 | 285.1 | 238.7 | 162.5 | 116.2 | 74.1 | 45.1 | 27.7 |
| Operating Expenses | |||||||||
| R&D Expenses | 127.5 | 129.4 | 117.3 | 121.6 | 79.4 | 58.3 | 35.3 | 22.2 | 16.6 |
| SG&A Expenses | 228.9 | 213.5 | 207.3 | 211.1 | 154.4 | 100.5 | 67.0 | 46.1 | 29.9 |
| Other Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0.0 | (0.1) | (0.0) |
| Operating Expenses | 356.4 | 342.9 | 324.6 | 332.7 | 233.8 | 158.8 | 102.3 | 68.3 | 46.4 |
| Operating Income | |||||||||
| Operating Income | 3.7 | (18.1) | (39.5) | (94.0) | (71.4) | (42.6) | (28.2) | (23.2) | (18.8) |
| Interest Expense | 17.5 | 8.8 | 4.1 | 2.8 | 1.5 | 0.1 | 0 | 0 | 0 |
| Interest Income | 1.4 | 1.8 | 2.6 | 0.4 | 0.2 | 0.4 | 1.0 | 1.2 | 0.3 |
| Profitability | |||||||||
| EBITDA | 3.7 | 9.5 | 7.5 | (56.5) | (62.4) | (33.1) | (22.5) | (20.7) | (17.8) |
| EBIT | 3.7 | (26.8) | (37.8) | (95.0) | (72.4) | (40.6) | (27.1) | (22.1) | (18.8) |
| Income Before Tax | 6.7 | (35.6) | (41.9) | (97.8) | (74.0) | (40.7) | (27.1) | (22.1) | (18.5) |
| Income Tax Expense | 1.5 | (2.5) | 1.6 | 4.1 | (23.8) | 0.6 | 0.6 | 0.2 | 0.1 |
| Net Income | 5.2 | (37.9) | (42.3) | (102.7) | (49.4) | (40.5) | (27.6) | (22.3) | (18.6) |
| Per Share Data | |||||||||
| EPS (Basic) | 0.05 | -0.33 | -0.38 | -0.93 | -0.51 | -0.46 | -0.31 | -0.25 | -0.21 |
| EPS (Diluted) | 0.05 | -0.33 | -0.38 | -0.93 | -0.51 | -0.46 | -0.31 | -0.25 | -0.21 |
| Shares Outstanding | 112.9 | 115.2 | 112.7 | 110.6 | 96.7 | 87.7 | 89.6 | 89.6 | 89.6 |
| Metric | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||
| Cash & Cash Equivalents | 88.4 | 120.9 | 112.1 | 82.0 | 88.0 | 371.4 | 91.2 | 74.3 | 80.7 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 166.5 | 146.8 | 113.0 | 99.5 | 74.5 | 55.5 | 43.4 | 29.8 | 24.3 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 38.6 | 34.5 | 25.7 | 25.7 | 7.6 | 4.9 | 3.6 | 0 | 4.0 |
| Total Current Assets | 293.5 | 302.2 | 250.8 | 207.2 | 183.5 | 442.2 | 145.3 | 109.2 | 109.0 |
| Non-Current Assets | |||||||||
| Property, Plant & Equipment | 88.3 | 91.0 | 98.4 | 95.0 | 73.8 | 29.9 | 13.5 | 10.4 | 3.8 |
| Goodwill | 1,077.9 | 1,019.4 | 838.9 | 839.4 | 841.5 | 57.1 | 55.8 | 0 | 0 |
| Intangible Assets | 135.7 | 154.6 | 115.6 | 152.8 | 180.1 | 23.1 | 26.1 | 0 | 0 |
| Long-Term Investments | 7.3 | 9.3 | 9.3 | 6.5 | 4.0 | 9.8 | 0 | 0 | 0 |
| Other Non-Current Assets | 45.4 | 33.9 | 27.5 | 26.3 | 16.3 | 0.8 | 9.5 | 0.4 | 0.2 |
| Total Non-Current Assets | 1,354.6 | 1,308.1 | 1,089.7 | 1,120.1 | 1,117.5 | 121.2 | 104.9 | 10.8 | 4.0 |
| Total Assets | 1,648.1 | 1,610.4 | 1,340.4 | 1,327.3 | 1,301.0 | 563.4 | 250.2 | 120.0 | 113.0 |
| Current Liabilities | |||||||||
| Account Payables | 14.5 | 13.6 | 11.8 | 11.9 | 11.4 | 6.0 | 4.7 | 3.4 | 2.3 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 210.6 | 191.2 | 170.9 | 154.9 | 122.6 | 89.1 | 58.9 | 41.1 | 28.4 |
| Other Current Liabilities | 64.4 | 23.6 | 16.3 | 22.6 | 14.7 | 16.1 | 0.2 | 0 | 4.2 |
| Total Current Liabilities | 294.5 | 251.5 | 215.0 | 205.2 | 174.4 | 115.7 | 76.6 | 52.4 | 34.9 |
| Non-Current Liabilities | |||||||||
| Long-Term Debt | 213.5 | 166 | 0 | 30 | 0 | 0 | 0 | 0 | 0 |
| Deferred Tax Liabilities | 7.0 | 13.9 | 3.7 | 0 | 1.7 | 0 | 0.2 | 0 | 0 |
| Other Non-Current Liabilities | 4.1 | 17.2 | 0 | 2.8 | 9.7 | 0 | 1.8 | 0 | 0 |
| Total Non-Current Liabilities | 285.0 | 261.3 | 72.8 | 94.4 | 56.1 | 18.7 | 1.9 | 1.5 | 0.0 |
| Total Liabilities | 579.5 | 512.8 | 287.8 | 299.6 | 230.5 | 134.4 | 78.5 | 53.9 | 35.0 |
| Stockholders' Equity | |||||||||
| Common Stock | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Retained Earnings | (375.8) | (385.3) | (352.8) | (310.3) | (209.6) | (161.1) | (120.9) | (104.8) | (82.4) |
| Accumulated Other Comprehensive Income | 7.0 | 0.2 | 1.0 | 0.7 | (0.1) | 0.2 | (0.4) | (0.0) | 0.0 |
| Total Stockholders' Equity | 1,055.9 | 1,089.3 | 1,049.2 | 1,024.1 | 1,067.6 | 425.2 | 167.3 | 66.0 | 78.0 |
| Total Liabilities & Equity | 1,648.1 | 1,610.4 | 1,340.4 | 1,327.3 | 1,301.0 | 563.4 | 250.2 | 120.0 | 113.0 |
| Debt Metrics | |||||||||
| Total Debt | 278.7 | 236.8 | 74.2 | 96.5 | 48.8 | 16.3 | 0 | 0 | 0 |
| Net Debt | 190.3 | 115.9 | (37.9) | 14.5 | (39.2) | (355.2) | (91.2) | (74.3) | (80.7) |
| Metric | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||
| Net Income | 5.2 | (37.9) | (42.3) | (102.7) | (49.4) | (40.5) | (27.6) | (22.3) | (18.6) |
| Depreciation & Amortization | 42.3 | 36.3 | 45.3 | 38.5 | 12.5 | 7.4 | 4.6 | 1.5 | 1.0 |
| Stock-Based Compensation | 73.9 | 0 | 0 | 0 | 0 | 0 | 0 | 4.1 | 3.8 |
| Change in Working Capital | (34.8) | (38.5) | (16.4) | (14.9) | 6.4 | 14.6 | 5.0 | 12.1 | (1.8) |
| Other Non-Cash Items | 9.7 | 102.3 | 73.1 | 62.1 | 35.5 | 27.6 | 8.7 | 0.1 | (0.3) |
| Operating Cash Flow | 90.1 | 55.2 | 57.3 | (15.4) | (19.2) | 9.2 | (9.0) | (4.6) | (16.0) |
| Investing Activities | |||||||||
| Capital Expenditure | (7.5) | (2.3) | (3.9) | (18.9) | (5.5) | (4.3) | (5.8) | (8.0) | (2.8) |
| Acquisitions | (50.3) | (216.9) | 1.0 | 0.7 | (269.0) | 0 | (47.8) | 0 | 0 |
| Purchases of Investments | 0 | 0 | (2.5) | (2.5) | (4.0) | 0 | 0 | 0 | 0 |
| Sales/Maturities of Investments | 3.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investing Cash Flow | (54.1) | (219.2) | (5.3) | (20.7) | (278.5) | (4.3) | (53.5) | (8.0) | (2.8) |
| Financing Activities | |||||||||
| Net Debt Issuance | 47.5 | 163.2 | (31.2) | 28.5 | (0.3) | (0.0) | 0 | 0 | 0 |
| Stock Repurchased | (125.1) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | (1.6) | 0 | 0 | 0 | 0 | (0.2) | (1.4) | 0 | 0 |
| Financing Cash Flow | (73.0) | 170.5 | (22.1) | 36.7 | 15.9 | 274.1 | 79.6 | 6.3 | 70.1 |
| Cash Position | |||||||||
| Net Change in Cash | (32.6) | 8.8 | 30.0 | (6.0) | (283.4) | 280.2 | 16.8 | (6.3) | 80.7 |
| Cash at Beginning | 121.3 | 112.1 | 82.0 | 88.0 | 371.4 | 91.2 | 74.3 | 80.7 | 0 |
| Cash at End | 88.7 | 120.9 | 112.1 | 82.0 | 88.0 | 371.4 | 91.2 | 74.3 | 80.7 |
| Free Cash Flow | 82.6 | 52.9 | 53.4 | (34.3) | (24.7) | 4.9 | (14.8) | (12.6) | (18.8) |
| Key Metrics | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 594.8 | 540.7 | 476.5 | 408.3 | 273.9 | 204.3 | 138.2 | 91.5 | 58.1 |
| Gross Profit | 360.2 | 324.8 | 285.1 | 238.7 | 162.5 | 116.2 | 74.1 | 45.1 | 27.7 |
| Operating Income | 3.7 | (18.1) | (39.5) | (94.0) | (71.4) | (42.6) | (28.2) | (23.2) | (18.8) |
| Net Income | 5.2 | (37.9) | (42.3) | (102.7) | (49.4) | (40.5) | (27.6) | (22.3) | (18.6) |
| EPS (Diluted) | 0.05 | -0.33 | -0.38 | -0.93 | -0.51 | -0.46 | -0.31 | -0.25 | -0.21 |
| Balance Sheet | |||||||||
| Cash & Equivalents | 88.4 | 120.9 | 112.1 | 82.0 | 88.0 | 371.4 | 91.2 | 74.3 | 80.7 |
| Total Assets | 1,648.1 | 1,610.4 | 1,340.4 | 1,327.3 | 1,301.0 | 563.4 | 250.2 | 120.0 | 113.0 |
| Total Debt | 278.7 | 236.8 | 74.2 | 96.5 | 48.8 | 16.3 | 0 | 0 | 0 |
| Stockholders' Equity | 1,055.9 | 1,089.3 | 1,049.2 | 1,024.1 | 1,067.6 | 425.2 | 167.3 | 66.0 | 78.0 |
| Cash Flow | |||||||||
| Operating Cash Flow | 90.1 | 55.2 | 57.3 | (15.4) | (19.2) | 9.2 | (9.0) | (4.6) | (16.0) |
| Capital Expenditure | (7.5) | (2.3) | (3.9) | (18.9) | (5.5) | (4.3) | (5.8) | (8.0) | (2.8) |
| Free Cash Flow | 82.6 | 52.9 | 53.4 | (34.3) | (24.7) | 4.9 | (14.8) | (12.6) | (18.8) |