NCNO

Ncino, Inc. Information Technology Services-Prepackaged Software Russell 3000

$22.68Close $2.6BMarket cap $14.01 – $26.8052-week range Dec 2, 2026Next report

Highlights

Strengths

Tight base near its pivot pullbacks 27% → 7%; 3.5% below its $23.50 pivot

Cautions

Trend not confirmed 6 of 8 conditions · 200-day not rising, RS under 70

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Jan 31, 2026 · filed Aug 25, 2026

Off 12-month high 15%

1wk 2.1% price change

1mo 25.1% price change

12-month return 15% market up 11% · its own down 23%

F-score 6 / 9 Mixed

Altman Z″ 1.18 Moderate risk

P/E 266.2× price / earnings

PEG — P/E / EPS growth

P/B 2.4× price / book

Earnings yield 0.1% EBIT / enterprise value

Cheaper than 46% of the market · around average

Revenue growth 10% year on year

EPS growth — latest quarter

Sales growth 8% latest quarter · -2 pts

ROE 1% return on equity

Free cash margin 14% $82.6M FCF

D/E 0.20 long-term debt / equity

Net debt / EBITDA 2.7×

Interest cover —EBIT / interest

Piotroski tests

took on more long-term debt
short-term liquidity weakened
assets working less efficiently
profitable on its assets
generating cash from operations
profitability improving
profits backed by cash
no new shares issued
gross margin widened

Trade setup

ATR% 3.9% $0.88 a day · 2×ATR $20.92

RS 65 / 99 vs the universe

Trend 6 / 8 200-day not rising, RS under 70

Relative volume 0.6× vs 50-day average

Up/down volume 0.74 50 sessions

Implied move — no option chain · report Dec 2, 2026

Contractions 2 27% → 7%

Pivot $23.50 3.5% below

Volume dry-up 0.8× 10 vs 50 sessions

Trend template · 6 of 8

200-day average rising for a month: fails
RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged

No restatement or impairment
Equity positive
Interest covered
No material dilution
Profits tracking cash
Margins and revenue not shrinking

Last reported Aug 25, 2026

Results reaction Aug 25, 2026+2% vs market2 sessions after results

Financials

6 fiscal years · from filings

Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $594.8M +10% on FY2025

Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $9.7M back to a profit

Free cash flow Cash from running the business less what it spent on equipment and buildings: the cash a year actually left behind, which profit alone does not show. Not shown for banks and insurers, whose cash moves with their loans. Methodology $82.6M +55% on FY2025

Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology

Gross 61%
Net 2%
Free cash 14%

Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology $125.1M net debt

Cash
Long-term debt

Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 113.90m +21.6% since FY2021

	FY2021Jan 31, 2021	FY2022Jan 31, 2022	FY2023Jan 31, 2023	FY2024Jan 31, 2024	FY2025Jan 31, 2025	FY2026Jan 31, 2026
Revenue	$204.3M	$273.9M	$408.3M	$476.5M	$540.7M	$594.8M
Gross margin	57%	59%	58%	60%	60%	61%
Operating income	-$42.6M	-$71.4M	-$94.0M	-$39.5M	-$18.1M	$3.7M
Net income	-$40.5M	-$50.1M	-$101.8M	-$43.5M	-$33.0M	$9.7M
Net margin	-20%	-18%	-25%	-9%	-6%	2%
Earnings per share	-$0.46	-$0.52	-$0.92	-$0.39	-$0.29	$0.08
Free cash flow	$4.9M	-$24.7M	-$33.7M	$53.8M	$53.4M	$82.6M
Free cash margin	2%	-9%	-8%	11%	10%	14%
Cash	$371.4M	$88.0M	$82.0M	$112.1M	$120.9M	$88.4M
Long-term debt	—	—	—	—	—	$213.5M
Shareholders' equity	$425.2M	$1.1B	$1.0B	$1.0B	$1.1B	$1.1B
Shares outstanding	93.64m	109.78m	111.42m	113.68m	116m	113.90m

Filings

SEC EDGAR

Filed	Report	Period to	Lag
Aug 25, 2026	Quarterly ↗	Jul 31, 2026	25d
May 27, 2026	Quarterly ↗	Apr 30, 2026	27d
Mar 31, 2026	Annual ↗	Jan 31, 2026	59d
Dec 3, 2025	Quarterly ↗	Oct 31, 2025	33d
Aug 26, 2025	Quarterly ↗	Jul 31, 2025	26d
May 28, 2025	Quarterly ↗	Apr 30, 2025	28d
Apr 1, 2025	Annual ↗	Jan 31, 2025	60d
Dec 4, 2024	Quarterly ↗	Oct 31, 2024	34d
Aug 27, 2024	Quarterly ↗	Jul 31, 2024	27d
May 29, 2024	Quarterly ↗	Apr 30, 2024	29d
Mar 26, 2024	Annual ↗	Jan 31, 2024	55d
Nov 29, 2023	Quarterly ↗	Oct 31, 2023	29d

Current reports

Filed	Disclosed
Aug 25, 2026	Results · Other events ↗
Jun 22, 2026	Charter or bylaws · Shareholder vote ↗
May 27, 2026	Results ↗
Mar 31, 2026	Material agreement · Results · Regulation FD ↗
Dec 8, 2025	Other events ↗
Dec 3, 2025	Results · Director or officer change · Regulation FD ↗
Aug 26, 2025	Results ↗
Jun 20, 2025	Charter or bylaws · Shareholder vote ↗
May 28, 2025	Results ↗
May 27, 2025	Restructuring ↗
May 20, 2025	Acquisition or disposal ↗
Apr 1, 2025	Results · Regulation FD · Other events ↗