NCino Financials

NCNO Stock  USD 42.20  0.78  1.88%   
Based on the analysis of NCino's profitability, liquidity, and operating efficiency, nCino Inc is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At this time, NCino's Non Current Assets Total are very stable compared to the past year. As of the 25th of November 2024, Non Currrent Assets Other is likely to grow to about 19 M, while Total Current Liabilities is likely to drop about 123.3 M. Key indicators impacting NCino's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.02250.0253
Fairly Down
Slightly volatile
Current Ratio1.111.1662
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for NCino includes many different criteria found on its balance sheet. An individual investor should monitor NCino's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in NCino.

Net Income

(44.46 Million)

  
Understanding current and past NCino Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of NCino's financial statements are interrelated, with each one affecting the others. For example, an increase in NCino's assets may result in an increase in income on the income statement.

NCino Earnings Geography

NCino Stock Summary

NCino competes with OLB. nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina. Ncino operates under SoftwareApplication classification in the United States and is traded on NASDAQ Exchange. It employs 1681 people.
Specialization
Information Technology, Software - Application
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS63947X1019
CUSIP63947X101 63947U107
LocationNorth Carolina; U.S.A
Business Address6770 Parker Farm
SectorSoftware
IndustryInformation Technology
BenchmarkDow Jones Industrial
Websitewww.ncino.com
Phone888 676 2466
CurrencyUSD - US Dollar

NCino Key Financial Ratios

NCino Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets120.0M250.2M563.4M1.3B1.3B1.4B
Other Current Liab71.9M20.2M36.2M33.5M27.1M30.9M
Other Liab1.5M1.9M2.8M11.5M13.2M13.8M
Net Tangible Assets85.3M344.9M46.0M31.8M28.6M27.2M
Net Debt(74.3M)(91.2M)(355.2M)(39.2M)(37.9M)(39.8M)
Retained Earnings(104.8M)(120.9M)(161.1M)(209.6M)(352.8M)(335.1M)
Accounts Payable4.7M6.0M11.4M11.9M11.8M8.1M
Cash74.3M91.2M371.4M88.0M112.1M186.9M
Other Assets393K9.5M10.9M18.0M20.7M21.8M
Net Receivables43.4M55.5M74.5M99.5M113.0M69.3M
Other Current Assets3.6M15.3M21.0M25.7M25.7M19.0M
Total Liab53.9M78.5M134.4M230.5M287.8M150.0M
Total Current Assets109.2M145.3M442.2M183.5M250.8M264.3M
Common Stock38K41K47K55K57K50.4K
Net Invested Capital167.3M425.2M1.1B1.1B1.0B702.1M
Capital Stock41K47K55K56K57K53.9K
Net Working Capital68.7M326.5M9.1M2.0M35.7M66.5M
Short Term Debt58.9M324K4.2M4.9M5.1M4.9M

NCino Key Cash Accounts

201920202021202220232024 (projected)
Change To Inventory(1.2M)(1.6M)(3.3M)1.01.151.21
Investments(58.0M)(4.3M)(4.0M)(20.7M)(6.3M)(6.6M)
Change In Cash(6.3M)16.8M280.2M(283.0M)30.0M42.2M
Free Cash Flow(12.6M)(14.8M)4.9M(24.7M)53.4M56.1M
Depreciation1.5M4.6M7.4M10.0M45.3M47.5M
Other Non Cash Items16.3M3.1M3.1M10.3M15.1M8.0M
Capital Expenditures8.0M5.8M4.3M5.5M3.9M4.0M
Net Income(22.3M)(27.7M)(41.3M)(50.1M)(42.3M)(44.5M)
End Period Cash Flow74.3M91.2M371.4M88.4M117.4M187.8M
Change To Netincome5.7M23.1M8.0M58.9M67.8M71.2M

NCino Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining NCino's current stock value. Our valuation model uses many indicators to compare NCino value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across NCino competition to find correlations between indicators driving NCino's intrinsic value. More Info.
nCino Inc is considered to be number one stock in return on equity category among its peers. It also is considered to be number one stock in return on asset category among its peers . At this time, NCino's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the NCino's earnings, one of the primary drivers of an investment's value.

NCino's Earnings Breakdown by Geography

nCino Inc Systematic Risk

NCino's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. NCino volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on nCino Inc correlated with the market. If Beta is less than 0 NCino generally moves in the opposite direction as compared to the market. If NCino Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one nCino Inc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of NCino is generally in the same direction as the market. If Beta > 1 NCino moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in NCino Stock are looking for potential investment opportunities by analyzing not only static indicators but also various NCino's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of NCino growth as a starting point in their analysis.

Price Earnings To Growth Ratio

5.65

At this time, NCino's Price Earnings To Growth Ratio is very stable compared to the past year.

NCino November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of NCino help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of nCino Inc. We use our internally-developed statistical techniques to arrive at the intrinsic value of nCino Inc based on widely used predictive technical indicators. In general, we focus on analyzing NCino Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build NCino's daily price indicators and compare them against related drivers.
When determining whether nCino Inc offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NCino's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Ncino Inc Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Ncino Inc Stock:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in nCino Inc. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
You can also try the Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.
Is Application Software space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NCino. If investors know NCino will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NCino listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Earnings Share
(0.26)
Revenue Per Share
4.444
Quarterly Revenue Growth
0.129
Return On Assets
(0.01)
Return On Equity
(0.03)
The market value of nCino Inc is measured differently than its book value, which is the value of NCino that is recorded on the company's balance sheet. Investors also form their own opinion of NCino's value that differs from its market value or its book value, called intrinsic value, which is NCino's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NCino's market value can be influenced by many factors that don't directly affect NCino's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between NCino's value and its price as these two are different measures arrived at by different means. Investors typically determine if NCino is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NCino's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.