nCino, Inc. cash flow to debt ratio of 32.32% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

nCino, Inc.'s free cash flow has increased 55.98% from $52.93M last year to $82.56M, signaling increasing performance

nCino, Inc.'s debt to equity ratio is 0.34, which means that the company's assets are healthy financed, signaling financial stability.

nCino, Inc.'s debt has increased relative to shareholder equity from 0.22 last year to 0.34 today, signaling weakened financials

nCino, Inc. has a net debt to EBITDA ratio of 2.87x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

nCino, Inc.'s interest coverage ratio is 1.56, which means that the company struggles to meet interest obligations, signaling financial risk.

nCino, Inc.'s profit margin has increased (-131.02%) in the last year from -7.01% to 2.17%, signaling increasing performance

nCino, Inc.'s short-term liabilities of $294.49M exceed its short-term assets of $293.50M, signaling financial risk

nCino, Inc.'s return on assets of 0.82% is lower than the 5.00% threshold, indicating inefficient asset utilization

nCino, Inc.'s return on equity of 1.29%, is lower than 15.00%, indicating bad performance

nCino, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

nCino, Inc. had positive net income in only 1 out of 5 years, indicating unstable earnings

nCino, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

nCino, Inc. has a free cash flow yield of 3.97%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

nCino, Inc.'s yearly earnings has increased -113.68% since last year from $-37.88M to $5.18M, signaling increasing performance

nCino, Inc.'s yearly revenue has increased 10.01% since last year from $540.66M to $594.78M, signaling increasing performance

ROIC 2.06% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

nCino, Inc.'s 3-year revenue CAGR of 13.36% is positive, indicating growing revenue over the past 3 years

nCino, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

nCino, Inc. had positive ROE in only 1 out of 5 years, indicating inconsistent returns on equity

nCino, Inc. is overvalued relative to its fair value price of 11.12 based on Discounted Cash Flow model

nCino, Inc. has an earnings yield of 0.64%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

nCino, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

nCino, Inc. has an EV/EBITDA ratio of 34.15x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

nCino, Inc. is overvalued relative to its fair value price of -8.35 based on Earnings Fair Value model

nCino, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

nCino, Inc. has a price-to-book ratio of 2.09x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

nCino, Inc. has a price-to-sales ratio of 3.37x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue