Obermatt
See Similar Stocks →

nCino

NSQ:NCNO · US63947X1019
SoftwareMedium

360

46
EV / EBIT67
Price / Owner Earnings28
Owner Earnings Yield48
Dividend Yield1
Price/Sales59
EV / Gross Profit45
Price/Book81
Return on Capital33
Cash Return on Capital38
Return on Equity36
EBIT Margin34
Gross Profitability26
Cash Conversion91
Accruals57
Owner Earnings Margin44
Sales growth30
Profit growth49
Reinvestment4
Price momentum27
Debt load56
Refinancing34
Debt Payback25
Liquidity51
Analyst ratings35
Opinion Changes50
Price Target Upside66
Market mood29
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

nCino clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustrySoftware
SizeMedium
TypePublic Company
ExchangeNASDAQGS
Founded2011
Employees1,508
Websitencino.com
ISINUS63947X1019
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Data IntegrationCustomer Relationship ManagementFintechMachine LearningProcess AutomationCloud InfrastructureArtificial IntelligenceSoftware DevelopmentBanking as a ServiceBankingDocument ManagementEnterprise SoftwareFinanceFinTech

Description

nCino, Inc., together with its subsidiaries, is a cloud banking company that provides software solutions to financial institutions to streamline employee and client interactions. nCino helps FIs (financial institutions) of all sizes optimize their o…

Analysis

Middle-of-the-road

nCino, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is expensive. The owner-earnings multiple stands at 33.4×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value.

Flags to be aware of: A large part of the company's book value is the price paid for past acquisitions. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
38
2026

All-time high

69

Mar 2026

All-time low

38

Jun 2026

Average rank

54

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
59
—
—
—
Price/Earnings
67
—
—
—
Price/Book
81
—
—
—
Dividend Yield
1
—
—
—
Value (overall)
75
—
—
—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare nCino with its peers
Workiva
NYQ:WK
69
CountryUSA
IndustrySoftware
SizeMedium
Full Stock Analysis →
Paycom Software
NYQ:PAYC
83
CountryUSA
IndustryProfessional Services
SizeLarge
Full Stock Analysis →
Five9
NMQ:FIVN
85
CountryUSA
IndustrySoftware
SizeMedium
Full Stock Analysis →
GitLab
NSQ:GTLB
6
CountryUSA
IndustrySoftware
SizeMedium
Full Stock Analysis →
Grid Dynamics Holdings
NAQ:GDYN
38
CountryUSA
IndustryIT Services
SizeMedium
Full Stock Analysis →
Oracle Financial Services Software
NSI:OFSS
80
CountryUSA
IndustrySoftware
SizeLarge
Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →