nCino, Inc. (NCNO) stock analysis

In our weekly check, nCino, Inc. is graded B (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 4, red flags: 3.

About nCino, Inc.

nCino, Inc. is a Technology company (Software - Application) based in the United States, listed on NASDAQ as NCNO.

What our checks show for NCNO

Red flags

• The price swings a lot: 50.3% annual volatility. Expect large ups and downs.
• The stock has fallen as much as 86% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 3.9%.

Warning signs

• Operating profit covers interest only 2.7 times: a weak year could make the payments hard.
• Earnings per share fell 30.7% a year over the last 3 years.
• The net margin is only 5.4%: little room if costs rise.
• The stock is still below its previous peak.

Strengths

• The net margin rose by 23.5 points over 5 years, to 5.4%.
• The gross margin is 61.5% and has risen by 2.2 points: pricing power is holding.
• Operating cash flow is 3.98x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 103% a year over the next years.
• Analysts expect the net margin to improve by 20.8 points from today's 5.4%.
• Revenue grew 15.1% a year over the last 3 years.

Next earnings report: 2026-12-02

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Questions

What grade does nCino, Inc. (NCNO) have?

In our weekly check, nCino, Inc. is graded B (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 4, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of NCNO stock?

This week's biggest flags for nCino, Inc.: Very volatile, Deep past fall, Low return on capital. In total 7 of 23 checks show a warning or a red flag.

What does nCino, Inc. do?

nCino, Inc. is a Technology company (Software - Application) based in the United States, listed on NASDAQ as NCNO.

When does nCino, Inc. report earnings next?

The next earnings report is expected on 2026-12-02. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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