Latest revenue
$152.2M
as of 2025-10-31
Latest net income
$-3.2M
as of 2025-10-31
Net margin
-2.1%
as of 2025-10-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $1.84B
- Enterprise value
- $1.84B
- P/E (trailing)
- 355.3×
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $33.92
- 52-wk low
- $13.80
- Beta
- —
- Shares out
- 114.5M
5-year trend
What this company does
Item 1. Business Overview As employees at financial institutions (“FIs”) do their daily work and serve their clients, they often face inefficiencies from disparate systems, broken workflows, manual processes, and the inability to utilize their data effectively. This negatively impacts risk management, decision making, and the experiences of bankers and their clients. FIs need a unified platform that helps them reengineer every experience, from managing complex credit portfolios to streamlining account onboarding and loan origination. nCino helps FIs of all sizes optimize their operations by embedding banking intelligence directly into the tools FI employees already use. nCino's data…
AI summary unavailable — showing raw filing excerpt
Generated from NCNO's filing dated 2026-03-31
Key risks
Item 1A. Risk Factors You should consider and read carefully all of the risks and uncertainties described below, as well as other information included in this Annual Report on Form 10-K, including the section titled “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and our consolidated financial statements and related notes before making an investment decision with respect to our common stock. The risks described below are not the only ones we face. The occurrence of any of the following risks or additional risks and uncertainties not presently known to us or that we currently believe to be immaterial could materially and adversely affect our business,…
AI summary unavailable — showing raw filing excerpt
Generated from NCNO's filing dated 2026-03-31
Profitability
Gross margin
60.6%
0.8%Operating margin
0.6%
118.7%Net margin
0.9%
112.4%Return on equity
0.5%
114.1%Return on assets
0.3%
113.4%Leverage
Debt / equity
0.56×
17.2%Long-term debt / equity
0.20×
32.7%Debt / assets
35.9%
11.0%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-01-31 | $149.7M | +5.9% | $12.5M | +167.0% | 8.3% |
Q4 2025 2025-10-31 | $152.2M | +9.6% | $-3.2M | +39.9% | -2.1% |
Q3 2025 2025-07-31 | $148.8M | +12.4% | $-9.7M | +12.2% | -6.5% |
Q2 2025 2025-04-30 | $144.1M | +12.5% | $5.6M | +286.9% | 3.9% |
Q1 2025 2025-01-31 | $141.4M | — | $-18.6M | — | -13.2% |
Q4 2024 2024-10-31 | $138.8M | +13.8% | $-5.3M | +67.9% | -3.8% |
Q3 2024 2024-07-31 | $132.4M | +12.9% | $-11.0M | +30.5% | -8.3% |
Q2 2024 2024-04-30 | $128.1M | — | $-3.0M | — | -2.3% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Services-Prepackaged Software · SIC 7372
Your notes
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Insider activity
Insider buying
$0
Insider selling
$141.1M
Net activity
−$141.1M
Distinct insiders
7
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns NCNO
Institutional value
$619.0M
Total shares held
41.7M
Distinct holders
156
-139 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | VANGUARD PORTFOLIO MANAGEMENT LLC | 7.0M | $104.2M | — | New |
| 2 | BlackRock, Inc. | 5.6M | $84.5M | +323.0K (+6.1%) | Added |
| 3 | VANGUARD CAPITAL MANAGEMENT LLC | 4.7M | $70.7M | — | New |
| 4 | Conestoga Capital Advisors, LLC | 2.7M | $40.8M | -136.7K (-4.8%) | Trimmed |
| 5 | DIMENSIONAL FUND ADVISORS LP | 2.3M | $35.2M | +3.3K (+0.1%) | Added |
| 6 | Clearbridge Investments, LLC | 2.1M | $31.7M | -13.9K (-0.7%) | Trimmed |
| 7 | Algebris (UK) Ltd | 2.1M | $31.1M | +13.8K (+0.7%) | Added |
| 8 | BANK OF MONTREAL /CAN/ | 1.7M | $25.0M | — | New |
| 9 | JPMORGAN CHASE & CO | 1.6M | $22.4M | +397.2K (+34.3%) | Added |
| 10 | JANE STREET GROUP, LLC | 1.2M | $18.6M | +656.6K (+112.5%) | Added |
| 11 | FRANKLIN RESOURCES INC | 1.2M | $17.7M | -177.0K (-13.0%) | Trimmed |
| 12 | UBS Group AG | 866.6K | $13.0M | -35.8K (-4.0%) | Trimmed |
| 13 | VANGUARD FIDUCIARY TRUST CO | 652.8K | $9.8M | — | New |
| 14 | Bank of New York Mellon Corp | 527.6K | $7.9M | +90.2K (+20.6%) | Added |
| 15 | KENNEDY CAPITAL MANAGEMENT LLC | 513.5K | $7.7M | -49.1K (-8.7%) | Trimmed |
| 16 | SEI INVESTMENTS CO | 441.4K | $6.6M | +4.2K (+1.0%) | Added |
| 17 | WELLS FARGO & COMPANY/MN | 362.6K | $5.4M | -84.0K (-18.8%) | Trimmed |
| 18 | FIFTH THIRD BANCORP | 341.7K | $5.1M | +340.9K (+43148.7%) | Added |
| 19 | Russell Investments Group, Ltd. | 334.5K | $5.0M | +9.4K (+2.9%) | Added |
| 20 | PEREGRINE CAPITAL MANAGEMENT LLC | 328.8K | $4.9M | -14.2K (-4.1%) | Trimmed |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once NCNO's latest filing finishes processing.