nCino, Inc.
nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streaml…
Software - Application
US, Wilmington [HQ]
Ratios
7 Sheets · Starting from 2024Margins, Growth Rates In %
| Ratio | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||
| Gross Margin | 47.59 | 49.25 | 53.63 | 56.86 | 56.86 | 59.32 | 54.34 | |
| Profit Margin | -31.97 | -24.37 | -19.97 | -19.84 | -20.20 | -18.30 | -8.89 | |
| Operating Margin | -32.29 | -25.36 | -20.39 | -20.86 | -20.86 | -26.06 | -7.03 | |
|
EPS Growth
|
- - | -19.05 | -24.00 | -38.71 | - - | -4.65 | 15.56 | |
| EPS USD | -21.00 | -25.00 | -31.00 | -43.00 | -43.00 | -45.00 | -38.00 | |
| Return on Assets (ROA) | -16.46 | -18.59 | -11.03 | -7.19 | -7.33 | -3.85 | -3.16 | |
| Return on Equity (ROE) | 22.56 | -33.78 | -16.50 | -9.53 | -9.71 | -4.69 | -4.04 | |
| Return on Invested Capital (ROIC) | 22.84 | -93.95 | -27.00 | -9.79 | -9.79 | -4.33 | -3.09 | |
| Solvency | ||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | - - | -34.27 | -24.26 | 2.89 | 2.89 | 3.75 | 5.54 | |
| Debt/Equity | - - | -62.25 | -36.28 | 3.83 | 3.83 | 4.58 | 7.08 | |
| Debt/EBITDA | 453.11 | 359.96 | 387.01 | 1,072.25 | 1,072.25 | 62.74 | -321.33 | |
|
Debt/Capitalization
|
- - | -164.91 | -56.95 | 3.68 | 3.68 | 4.37 | 6.61 | |
| Long-Term Debt/Capitalization | - - | - - | -1.06 | 3.61 | 3.61 | 4.02 | 6.18 | |
| Interest Debt per Share USD | - - | -0.46 | -0.68 | 0.18 | 0.17 | 0.46 | 0.70 | |
| Debt Growth | - - | - - | - - | - - | - - | 200.34 | 51.96 | |
| Liquidity | ||||||||
| Current Ratio | 312.02 | 208.30 | 189.72 | 382.25 | 382.25 | 105.24 | 111.72 | |
| Quick Ratio | 230.93 | 198.78 | 175.76 | 369.03 | 369.03 | 93.21 | 104.66 | |
| Cash Ratio | 230.93 | 141.86 | 119.08 | 321.05 | 321.05 | 50.47 | 52.12 | |
| Operating Cash Flow Ratio | - - | - - | - - | - - | - - | - - | - - | |
| Turnover | ||||||||
| Inventory Turnover | - - | - - | 905.07 | - - | - - | - - | - - | |
| Receivables Turnover | - - | 306.86 | 318.34 | 367.98 | 367.98 | 367.47 | 421.81 | |
| Payables Turnover | 1,332.36 | 1,349.14 | 1,373.13 | 1,469.65 | 1,469.65 | 980.23 | 1,837.42 | |
|
Asset Turnover
|
51.47 | 76.30 | 55.24 | 36.26 | 36.26 | 21.05 | 35.55 | |
| Fixed Turnover | 1,535.71 | 879.63 | 1,025.30 | 682.27 | 682.27 | 370.85 | 484.26 | |
| Coverage | ||||||||
| Interest Coverage | - - | - - | - - | -32,775.38 | -32,775.38 | -4,713.14 | -809.72 | |
| Asset Coverage | - - | - - | - - | 2,600 | 2,600 | 1,900 | 1,300 | |
| Cash Flow Coverage (CFGR) | - - | 11.16 | 14.83 | 56.71 | 56.71 | -39.37 | 77.18 | |
| EBITDA Coverage | - - | - - | - - | -25,400 | -25,400 | -4,100 | 200 | |
| Dividend Coverage | - - | - - | - - | - - | - - | - - | - - | |
| Time Interest Earned (TIE) | - - | - - | - - | - - | - - | - - | - - | |
| Market Prospects | ||||||||
| Dividend Yield | - - | - - | - - | - - | - - | - - | - - | |
| Earnings Yield | -0.23 | -0.27 | -0.34 | -0.60 | -0.93 | -1.58 | -1.19 | |
|
Price/Earnings (P/E)
|
-44,168.13 | -36,808.10 | -29,754.35 | -16,600.65 | -10,740.95 | -6,311.95 | -8,376.06 | |
| Price/Earnings Growth (PEG) | - - | -1,932.43 | -1,239.76 | -428.85 | - - | -1,357.07 | 538.46 | |
|
Price/Book (P/B)
|
-9,962.89 | 12,433.24 | 4,908.39 | 1,582.68 | 1,042.57 | 296.32 | 338.07 | |
| Price/Tangible Book (P/TB) | -9,962.89 | 12,433.24 | 4,908.39 | 1,582.68 | 1,042.57 | 296.32 | 338.07 | |
| Price/Sales (P/S) | 14,121.31 | 8,969.80 | 5,941.83 | 3,293.92 | 2,169.82 | 1,155.17 | 744.30 | |
|
Price/Cash Flow (P/CF)
|
-51,450.14 | -178,915.10 | -91,247.10 | 72,969.43 | 48,067.56 | -16,452.29 | 6,191.72 | |
| Price/Free CF (P/FCF) | -43,684.03 | -65,400.78 | -55,633.65 | 137,781.34 | 90,761.48 | -12,812.29 | 6,640.44 | |
| Price/Operating CF (P/OCF) | -51,450.14 | -178,915.10 | -91,247.10 | 72,969.43 | 48,067.56 | -16,452.29 | 6,191.72 |