NCNOnCino, Inc.

$21.52

Is the business good?

How good a business is NCNO?

nCino, Inc. earns 1.8% on the capital it employs against a 9.0% cost of capital, so growth costs more than it returns.

1.8%

Return on invested capital · cost of capital 9.0% · 7.2 points below what the capital costs: growth destroys value

Operating margin
4.3%

Operating margin · Software - Application median 8.2% · 12 months to Q1 2027

Share count, year on year
−6.1%

Share count, year on year · bought back, each share owns more of the company

R&D as % of revenue
20%

R&D as % of revenue

Operating margin by fiscal year
YearOperating margin
FY2021−21%
FY2022−26%
FY2023−23%
FY2024−8.3%
FY2025−3.4%
FY20260.63%
Details
Gross margin12 months to Q1 2027
61%
Operating margin12 months to Q1 2027
4.3%
Net margin12 months to Q1 2027
2.2%
Free cash flow margin
18%
R&D as % of revenue
20%
Revenue, trailing twelve months
$610M
Free cash flow, trailing twelve months
$111M
Net income, trailing twelve months
$13M
Return on invested capitaloperating profit after tax ÷ debt + equity − cash
1.8%

Margins, capital and share counts from the statements as filed with the SEC; cash conversion from the cash flow statement.