Stocktoria
nCino, Inc. NCNO
nCino, Inc. (NCNO) earns a Piotroski F-score of 7/9 (strong financial health), with an Altman Z″ in the grey zone. It does not currently pay a dividend. FY2026 revenue was $594.8M at a 0.9% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.65 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · grey zone
| Component | Value |
|---|---|
| Working capital / assets | -0.001 |
| Retained earnings / assets | -0.228 |
| EBIT / assets | 0.002 |
| Equity / liabilities | 1.822 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NCNO | nCino, Inc. | 7/9 | 1.18 | 330.6 | +10% |
| EVCM | EverCommerce Inc. | 7/9 | 0.45 | 93.6 | +4.8% |
| VRNS | VARONIS SYSTEMS INC | 4/9 | 0.74 | — | +13.2% |
| FSLY | Fastly, Inc. | 6/9 | 0.12 | — | +14.8% |
| MQ | Marqeta, Inc. | 5/9 | 1.2 | — | +23.3% |
| BB | BLACKBERRY Ltd | 6/9 | -2.26 | 161.1 | +2.7% |
| FROG | JFrog Ltd | 5/9 | 2.82 | — | +24.1% |
About nCino, Inc.
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
FAQ
Is NCNO financially healthy?
nCino, Inc.'s Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the grey zone.
Does NCNO pay a dividend?
No, nCino, Inc. does not currently pay a dividend.
How profitable is NCNO?
In FY2026, nCino, Inc. had a net margin of 0.9% and a return on equity of 0.5%.
What is NCNO's P/E ratio?
nCino, Inc.'s trailing price-to-earnings (P/E) ratio is about 330.6×, based on its latest annual earnings.
What is the analyst price target for NCNO?
The average Wall-Street price target for nCino, Inc. is $23.17, about 21.9% above the recent price, from 12 analysts (consensus: buy).
Is NCNO a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on nCino, Inc.: a Piotroski F-score of 7/9, an Altman Z″ in the grey zone, a P/E of about 330.6×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2026-01-31. Facts plus Stocktoria's own computed scores — not investment advice.