nCino, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from nCino, Inc.'s yearly results (2023–2026), compared with Technology companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $26 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. Less tangible than 94% of Technology companies in United States.
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 93% of Technology companies in United States.
- Self-Funding Ratio: Over the last 3 years its own operating cash covered its investment spending (capex) 15.8 times. Higher than 89% of Technology companies in United States.
Where $100 of sales goes
Latest year (Jan 2026). Taxes and other income are not shown, so the parts need not add up to 100.
Cash quality
Profit Cash Ratio
—Loss-making or profit too small
Over the last 3 years profit was a loss or under 2% of sales, so cash per 100 of profit is not meaningful.
Self-Funding Ratio
15.8×Over the last 3 years its own operating cash covered its investment spending (capex) 15.8 times.
Higher than 89% of Technology companies in United States.
Cash Locked Ratio
—Data incomplete
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 93% of Technology companies in United States.
Growth Efficiency Ratio
$58Sales grew 46% in 3 years; of every extra $100 of sales, $58 became extra profit.
Higher than 75% of Technology companies in United States.
Asset Productivity Ratio
+46% / +24%In 3 years sales changed by +46% while total assets changed by +24%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
17.8×Debt due within a year is covered 17.8 times by its yearly operating cash.
Higher than 73% of Technology companies in United States.
Cash Cushion Ratio
−8%Debt, after subtracting cash, equals 8% of its market value (net debt).
Lower than 69% of Technology companies in United States.
Tangible Assets Ratio
26%Of every $100 the company owns, $26 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 94% of Technology companies in United States.
Tangible Net Worth Ratio
NegativeGoodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative.
Less tangible than 76% of Technology companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (14)
nCino, Inc. owes $0.40 for every $1 it owns. nCino, Inc. returned to profit in the year to Jan 2026, after a loss the year before.
Compared with Technology companies in United States · latest annual results Jan 2026.
P/E ratio
72.4Investors pay $72.4 for every $1 of nCino, Inc.'s yearly profit, higher than 83% of Technology companies in United States.
P/B ratio
2.63The share price is 2.63 times nCino, Inc.'s book value per share, lower than 58% of Technology companies in United States.
Market cap
$2.4 BThe total market value of all of nCino, Inc.'s shares at today's price (share price × number of shares), larger than 57% of Technology companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$930 MWhat nCino, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Jul 2026).
Book value per share
$8.79Net worth divided by the number of shares. The share price of $23.17 is 2.6 times this, which is the P/B above.
Return on equity (ROE)
3.9%nCino, Inc. earned 3.9% on its shareholders' money over the last year, higher than 53% of Technology companies in United States.
Owes vs Owns
0.40×nCino, Inc. owes $0.40 for every $1 it owns (low), lower than 60% of Technology companies in United States.
Dividend yield
NonenCino, Inc. does not currently pay a dividend.
Revenue growth
+10%Revenue rose 10% in the year to Jan 2026, and grew 13% a year on average over 3 years.
Profit growth
Back to profitnCino, Inc. returned to profit in the year to Jan 2026, after a loss the year before.
Profit margin
0.9%nCino, Inc. keeps $1 of every $100 of revenue as net profit.
Cash quality
17.4×Cash from nCino, Inc.'s business was 17.4× its reported profit in the year to Jan 2026 — its profit turned into cash.
Interest cover
0.2×nCino, Inc.'s operating profit covered its interest costs 0.2 times in the year to Jan 2026.
Cash vs debt
Net debtnCino, Inc. had $190 M more debt than cash (net debt) at Jan 2026.
Questions
What is nCino, Inc.'s P/E ratio?
Investors pay $72.4 for every $1 of nCino, Inc.'s yearly profit, higher than 83% of Technology companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For nCino, Inc.: $2.4 B ÷ $930 M (31 Jul 2026) = 2.6.
What is nCino, Inc.'s return on equity?
nCino, Inc. earned 3.9% on its shareholders' money over the last year, higher than 53% of Technology companies in United States.
How much does nCino, Inc. owe compared with what it owns?
nCino, Inc. owes $0.40 for every $1 it owns (low), lower than 60% of Technology companies in United States.
Does nCino, Inc. pay a dividend?
No. nCino, Inc. does not currently pay a dividend.
Is nCino, Inc.'s revenue growing?
Revenue rose 10% in the year to Jan 2026, and grew 13% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.