nCino, Inc. (NCNO)

From the record

nCino, Inc.'s filings since 2022 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

nCino, Inc.'s 7 filed years say what it did: revenue went from $138 million in fiscal 2020 to $595 million in fiscal 2026, up 27.5% a year; it rose in 6 of 6 years; it never fell from a peak; net income was positive in 1 of 7 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2026-01-31, nCino, Inc.'s diluted share count grew about 1.1% a year, and dividends and buybacks returned about 62% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 43 sales (19 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-05 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2026-01-31, nCino, Inc. earned about 0 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 22 cents per dollar of everything the company owns. Leverage: it owed about 36 cents per dollar of assets, and net share issuance: its share count shrank 0.7% over the year (the filed statements).

From the record

nCino, Inc.'s standing among 218 graded names in its industry family: revenue of $595 million in fiscal 2026 ranks in the top 45% by size; a net margin of 0.9% ranks in the top 44%; revenue growth of 13.4% a year over the last 3 filed years ranks in the top 45% (its annual reports).

From the record

nCino, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Desmond, Sean (CEO & President, as filed), filing under that title since 2025-02-06, 1.8 years (bottom 23% of its family); most of the 14 officers and directors filing now have filed since the record of its people begins (2022-01-07), a floor of 4.8 years the record cannot see past, so that part is not read; 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 14 people in charge now (top 36%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

nCino, Inc.'s room to grow, from the newest filed statements (fiscal 2026): cash of $89 million against no long-term debt tagged leaves 5.4% of its assets as net cash, bottom 33% of its family; cash from operations less capital spending is 13.9% of revenue (bottom 49%); a gross margin of 60.6% (bottom 36%); research spending of 21.4% of revenue (top 49%) (its annual report).

From the record

nCino, Inc.'s growth drivers, from the filed years to fiscal 2026: revenue grew 13.4% a year over the last three filed years against 27.5% over all 7, slowing (bottom 27% of its family); the newest year grew 10% (bottom 41%); research spending grew 1.6% a year (bottom 35%); capital spending grew -25.8% a year (bottom 21%) (its annual reports). nCino, Inc. reported 2 product lines in fiscal 2026: License and Service at $523 million (88%), Professional Services at $72 million (12%); 2 of 2 grew against the year before (its annual report).

From the record

nCino, Inc.'s newest year against its own record: revenue of $595 million in fiscal 2026 came in 4.4% below the $622 million its prior three years' pace pointed to (bottom 32% of its family); net income of $5 million against a prior three-year average of $61 million (top 22%); a net margin of 0.9% against -13.7% before (top 37%) (its annual reports).