NCNOnCino, Inc.
Is it safe?
Forensics clean, with a caveat: clean books and quality strong, but big price swings.
Mixed, watch the balance sheet Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Reported earnings show no manipulation flags Beneish M-score, a forensic model that detects earnings-manipulation patterns (receivables outrunning sales, margins slipping, accrual-heavy profit).
High fundamental quality Piotroski F-score, nine pass/fail tests of year-over-year financial health across profitability, balance sheet and efficiency. 7 to 9 is strong, 0 to 3 weak.
Insiders were net sellers (-$1.8M, 90 days to Oct 8, 2026), selling is often routine.
Rock-solid balance sheet, low leverage. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -86% · now 35% below its 52-week high.
Unless marked, from SEC EDGAR, as of Jan 31, 2026.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can NCNO take a bad year?
nCino, Inc. carries $192M of net debt at 2.66× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2027 · between two and four years of EBITDA, normal for a stable business
- Net debt / EBITDA
- 2.66×
Net debt / EBITDA
- Altman Z-score
- 1.64
Altman Z-score · distress zone, below 1.8
- Interest cover
- 2.70×
Interest cover · operating profit covers the interest bill, with room to spare
Details›
- Total debtQ2 2027
- $275M
- Cash and short-term investments
- $83M
- Net debt
- $192M
- EBITDA, trailing twelve months
- $72M
- Operating profit, trailing twelve months
- $49M
- Debt / equity
- 0.30×
- Total debt / EBITDA
- 3.81×
- Annualised volatilitytwo years of daily moves
- 48%
- Worst drawdown on file
- −86%
- Below its 52-week high
- 35%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Software, Application
Ranks #54 of 96 by RyuScore