NCNO Financials: nCino Inc AI Analysis

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NCNO Financial

nCino Inc

$14.42

-7.08%

$-1.09

At close: Mar 24, 16:00:00 GMT-4

$14.79

2.56%

$0.36

Post-market: Mar 24, 20:00:00 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$15.52

Open

$15.29

Day's Range

$14.4 - $15.29

52 week range

$13.8 - $33.92

Volume

1.5M

Avg.Volume

2.1M

Dividend yield

EPS (TTM)

-0.19

Market Cap

$1.6B

What is NCNO?

nCino, Inc. engages in the provision of cloud-based software applications for financial institutions in the United States and internationally. The company is headquartered in Wilmington, North Carolina and currently employs 1,833 full-time employees. The company went IPO on 2020-07-14. The firm is a software-as-a-service (SaaS) company that provides software solutions to financial institutions (FIs) to streamline employee and client interactions. The company delivers solutions such as cloud computing application and platform services with a multi-tenant technology and shared service-oriented architecture. The nCino Platform is embedded with data and artificial intelligence (AI) that helps FIs digitize and reengineer business processes across multiple lines of business, from commercial, consumer and small business banking to mortgage lending, by offering solutions such as onboarding, account opening, lending, and portfolio management solutions. The company offers solutions to community banks, credit unions, independent mortgage banks, and financial entities.

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Market

Income

Balance sheet

Cash flow

Annual

Quarterly

NCNO Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	01/31/2025	01/31/2024	01/31/2023	01/31/2022	01/31/2021
Revenue	586	540	476	408	273	204
Revenue Growth (YoY)	12%	13%	17%	49%	34%	48%
Cost of Revenue	232	215	191	169	111	88
Gross Profit	353	324	285	239	162	116
Selling, General & Admin	205	199	179	189	140	97
Research & Development	123	127	114	117	77	56
Operating Expenses	348	342	319	322	223	158
Other Non Operating Income (Expenses)	6	0	0	0	0	0
Pretax Income	-13	-35	-41	-97	-74	-40
Income Tax Expense	1	-2	1	4	-23	0
Net Income	-21	-37	-42	-102	-49	-40
Net Income Growth	17%	-12%	-59%	108%	23%	48%
Shares Outstanding (Diluted)	115.83	115.16	112.67	110.6	96.7	87.7
Shares Change (YoY)	0%	2%	2%	14%	10%	-2%
EPS (Diluted)	-0.18	-0.32	-0.37	-0.93	-0.51	-0.46
EPS Growth	20%	-12%	-60%	82%	11%	48%
Free Cash Flow	59	52	53	-34	-24	4
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	60.23%	60%	59.87%	58.57%	59.34%	56.86%
Operating Margin	0.85%	-3.14%	-7.14%	-20.34%	-22.34%	-20.58%
Profit Margin	-3.58%	-6.85%	-8.82%	-25%	-17.94%	-19.6%
Free Cash Flow Margin	10.06%	9.62%	11.13%	-8.33%	-8.79%	1.96%
EBITDA	47	19	11	-49	-51	-35
EBITDA Margin	8.02%	3.51%	2.31%	-12%	-18.68%	-17.15%
D&A For EBITDA	42	36	45	34	10	7
EBIT	5	-17	-34	-83	-61	-42
EBIT Margin	0.85%	-3.14%	-7.14%	-20.34%	-22.34%	-20.58%
Effective Tax Rate	-7.69%	5.71%	-2.43%	-4.12%	31.08%	0%

Follow-Up Questions

What are nCino Inc's key financial statements?

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According to the latest financial statement (Form-10K), nCino Inc has a total asset of $1,610, Net loss of $-37

What are the key financial ratios for NCNO?

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nCino Inc's Current ratio is 3.09, has a Net margin is -6.85, sales per share of $4.68.

How is nCino Inc's revenue broken down by segment or geography?

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nCino Inc largest revenue segment is Subscription, at a revenue of 469,168,000 in the most earnings release.For geography, United States is the primary market for nCino Inc, at a revenue of 424,432,000.

Is nCino Inc profitable?

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no, according to the latest financial statements, nCino Inc has a net loss of $-37

Does nCino Inc have any liabilities?

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yes, nCino Inc has liability of 521

How many outstanding shares for nCino Inc?

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nCino Inc has a total outstanding shares of 115.99

nCino Inc (NCNO) Financial

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