Is it safe?
Can NCNO take a bad year?
nCino, Inc. carries $160M of net debt at 3.23× EBITDA: a load its earnings can carry.
$160M
Net debt · as at Q1 2027 · between two and four years of EBITDA, normal for a stable business
- Net debt / EBITDA
- 3.23×
Net debt / EBITDA
- Altman Z-score
- 1.64
Altman Z-score · distress zone, below 1.8
- Interest cover
- 1.51×
Interest cover · operating profit barely covers the interest bill
Details›
- Total debtQ1 2027
- $263M
- Cash and short-term investments
- $103M
- Net debt
- $160M
- EBITDA, trailing twelve months
- $50M
- Operating profit, trailing twelve months
- $26M
- Debt / equity
- 0.27×
- Total debt / EBITDA
- 5.30×
- Annualised volatilitytwo years of daily moves
- 48%
- Worst drawdown on file
- −86%
- Below its 52-week high
- −34%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Software - Application
Ranks #79 of 90 by Smart Score