NCNO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $18.68
Market Cap (MRQ) $1.96B
P/E (TTM) 62.3
EPS (TTM) $0.30
Revenue (TTM) $622M
ROE (TTM) 3.4%
Debt/Equity (MRQ) 0.3
52W Range $14–$28

NCNO Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$595M
2020-01-31 → 2026-01-31
EPS$0.05
2020-01-31 → 2026-01-31
Free Cash Flow$83M
2022-01-31 → 2026-01-31
Net margin5.4%
2022-01-31 → 2026-01-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend NCNO 5Y avg Peer Median Verdict
P/E (TTM) 62.35Y avg ≈24.1 ≈24.1 38.6 Overvalued
P/S (TTM) 3.25Y avg ≈9.0 ≈9.0 2.7 Fair value
P/B (MRQ) 2.15Y avg ≈3.4 ≈3.4 14.6 Undervalued
Price / FCF (TTM) 14.95Y avg ≈-25.7 ≈-25.7 · ·
Price / Cash Flow (TTM) 14.75Y avg ≈-61.6 ≈-61.6 27.0 Fair value
Price / Tangible Book (MRQ) 2.45Y avg ≈82.4 ≈82.4 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Beat Rate 87.5%
Avg Surprise 34.0%
PeriodReportEPS ActualEPS EstSurprise
June 30, 2027 Aug 25, 2026 $0.31 $0.26 18.1%
March 31, 2027 May 27, 2026 $0.35 $0.27 27.6%
Sept. 30, 2026 $0.31 $0.26 18.1%
June 30, 2026 $0.35 $0.27 29.1%
March 31, 2026 $0.37 $0.21 74.0%
Dec. 31, 2025 $0.31 $0.20 51.9%
Sept. 30, 2025 $0.22 $0.14 54.8%
June 30, 2025 $0.16 $0.16 -1.9%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 18
Metric Trend 2026202520242023202220212020
Revenue $595M$541M$477M$408M$274M$204M$138M
Cost of Revenue $235M$216M$191M$170M$111M$88M$64M
Gross Profit $360M$325M$285M$239M$162M$116M$74M
R&D Expense $128M$129M$117M$122M$79M$58M$35M
SG&A Expense $92M$90M$77M$83M$72M$41M$23M
Operating Expenses $356M$343M$325M$333M$234M$159M$102M
Operating Income $4M$-18M$-40M$-94M$-71M$-43M$-28M
Interest Expense ··$4M$3M$2M$130.0K$0
Interest Income $1M$2M$3M$403.0K$194.0K$361.0K$988.0K
Other Non-op $19M$-10M$-856.0K$-1M$-1M$2M$33.0K
Pretax Income $7M$-36M$-42M$-98M$-74M$-41M$-27M
Income Tax $-3M$-3M$2M$4M$-24M$586.0K$586.0K
Net Income $5M$-38M$-42M$-103M$-49M$-41M$-28M
EPS (Basic) $0.05$-0.33$-0.38$-0.93$-0.51$-0.46$-0.35
EPS (Diluted) $0.05$-0.33$-0.38$-0.93$-0.51$-0.46$-0.35
Shares (Basic) 112,883,703115,162,175112,672,397110,615,73496,722,46487,678,32378,316,794
Shares (Diluted) 114,346,567115,162,175112,672,397110,615,73496,722,46487,678,32378,316,794
EBITDA $46M$18M$6M$-59M$-61M··
Balance Sheet 27
Metric Trend 2026202520242023202220212020
Cash & Equivalents $88M$121M$112M$82M$88M$371M$91M
Receivables $167M$147M$113M$99M$75M$56M·
Prepaid Expense $21M$21M$15M$16M$13M$10M·
Other Current Assets $2M$1M·····
Current Assets $294M$302M$251M$207M$184M$442M·
PP&E (Net) $76M$75M$79M$84M$61M$30M·
PP&E (Gross) $105M$104M$104M$105M$76M$40M·
Accum. Depreciation $30M$29M$25M$20M$15M$10M·
Goodwill $1.08B$1.02B$839M$839M$841M$57M$56M
Intangibles $136M$155M$116M$153M$180M$23M·
Other Non-current Assets ···$8M$2M$750.0K·
Total Assets $1.65B$1.61B$1.34B$1.33B$1.30B$563M·
Accounts Payable $15M$14M$12M$12M$11M$2M·
Current Liabilities $294M$252M$215M$205M$174M$116M·
Capital Leases $10M$13M$16M$7M$11M$0·
Deferred Tax $7M$14M$4M$3M$2M$368.0K·
Other Non-current Liabilities $4M$17M$0····
Total Liabilities $579M$513M$288M$300M$231M$134M·
Long-term Debt $214M······
Common Stock $59.0K$58.0K$57.0K$56.0K$55.0K$47.0K·
Paid-in Capital $1.55B$1.47B$1.40B$1.33B$1.28B$586M·
Retained Earnings $-376M$-385M$-353M$-310M$-210M$-161M·
Treasury Stock $126M$0·····
AOCI $7M$176.0K$996.0K$694.0K$-72.0K$240.0K·
Stockholders' Equity $1.06B$1.09B$1.05B$1.02B$1.07B$425M$167M
Liabilities + Equity $1.65B$1.61B$1.34B$1.33B$1.30B$563M·
Shares Outstanding 113,904,867115,996,852113,684,299111,424,132109,778,54293,643,759·
Cash Flow 17
Metric Trend 2026202520242023202220212020
D&A $42M$36M$45M$35M$10M$7M$5M
Stock-based Comp $74M$72M$58M$50M$28M$25M$6M
Deferred Tax $-6M$-7M$-2M$2M$-24M$170.0K$155.0K
Amort. of Intangibles $36M$30M$37M$28M$5M$3M$2M
Restructuring $10M$0$627.0K$5M···
Other Non-cash $-25M$-8M$-1M$828.0K$16M··
Operating Cash Flow $90M$55M$57M$-15M$-19M$9M$-9M
CapEx $8M$2M$4M$18M$5M$4M$6M
Investing Cash Flow $-54M$-219M$-6M$-21M$-278M$-4M$-58M
Stock Issued ····$0$0$80M
Stock Repurchased $125M$0$0····
Net Stock Activity $-125M···$0··
Financing Cash Flow $-73M$170M$-21M$37M$16M$274M$84M
Net Change in Cash $-33M$4M$30M$-981.0K$-283M$280M$17M
Taxes Paid $4M$4M$3M$664.0K$1M$631.0K$369.0K
Free Cash Flow $83M$53M$54M$-34M$-25M··
Levered FCF ··$49M$-37M$-26M··
Profitability 8
Metric Trend 2026202520242023202220212020
Gross Margin 60.6%60.1%59.8%58.5%59.3%··
Operating Margin 0.63%-3.4%-8.3%-23.0%-26.1%··
Net Margin 0.87%-7.0%-8.9%-25.2%-18.1%··
Pretax Margin 1.1%-6.6%-8.8%-23.9%-27.0%··
EBITDA Margin 7.7%3.4%1.2%-14.5%-22.4%··
ROA 0.32%-2.6%-3.2%-7.8%-5.3%··
ROE 0.49%-3.5%-4.1%-10.0%-6.6%··
ROIC 0.51%-1.6%-3.9%-9.6%-4.5%··
Liquidity & Solvency 3
Metric Trend 2026202520242023202220212020
Current Ratio 1.01.21.21.01.1··
Quick Ratio 0.91.11.00.90.9··
Interest Coverage ··-9.6-33.5-47.1··
Efficiency 2
Metric Trend 2026202520242023202220212020
Asset Turnover 0.40.40.40.30.3··
Receivables Turnover 3.84.24.54.74.2··
Per Share 5
Metric Trend 2026202520242023202220212020
Book Value / Share $9.27$9.39$9.23$9.19$9.73··
Revenue / Share $5.20$4.69$4.23$3.69$2.83··
Cash Flow / Share $0.79$0.48$0.51$-0.14$-0.20··
Cash / Share $0.78$1.04$0.99$0.74$0.80··
EPS (TTM) $0.05$-0.33$-0.38$-0.93$-0.51··
Growth Rates 3
Metric Trend 2026202520242023202220212020
Revenue YoY 10.0%13.5%16.7%49.1%34.1%··
Revenue CAGR 3Y 13.4%25.4%32.6%····
Revenue CAGR 5Y 23.8%······
Valuation (TTM) 10
Metric Trend 2026202520242023202220212020
Revenue TTM $595M$541M$477M$408M$274M··
Net Income TTM $5M$-38M$-42M$-103M$-49M··
Market Cap $2.43B$3.95B$3.58B$3.19B$5.03B··
P/E 427.2-103.1-82.8-30.8-89.9··
P/S 4.17.37.57.818.4··
P/B 2.33.63.43.14.7··
P / Tangible Book ··37.8100.2109.3··
P / Cash Flow 27.071.562.5-207.2-261.6··
P / FCF 29.573.966.6-94.5-203.8··
Earnings Yield 0.23%-0.97%-1.2%-3.2%-1.1%··

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2026-01-312025-01-312024-01-312023-01-312022-01-31
Revenue $595M $541M $477M $408M $274M
Gross Margin % 60.6% 60.1% 59.8% 58.5% 59.3%
Operating Margin % 0.63% -3.4% -8.3% -23.0% -26.1%
Net Income $5M $-38M $-42M $-103M $-49M
Diluted EPS $0.05 $-0.33 $-0.38 $-0.93 $-0.51

Institutional owners (13F) 315 filers · $2.4B total · As of Sept. 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 315
Value held $2.4B
New positions 80
Exited positions 65
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
80 (+6 vs prior Q) 65 (-10 vs prior Q) 105 (-11 vs prior Q) 83 (+8 vs prior Q) +6.5M

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
VANGUARD GROUP INC $304,025,607 11,857,473 12.79% Shares
BlackRock, Inc. $147,491,679 9,020,898 6.21% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $127,969,423 7,826,876 5.38% Shares
Senvest Management, LLC $119,783,305 7,326,196 5.04% Shares
AQR CAPITAL MANAGEMENT LLC $112,354,431 7,102,050 4.73% Shares
BANK OF AMERICA CORP /DE/ $84,318,553 5,157,098 3.55% Shares
AMERICAN CAPITAL MANAGEMENT INC $83,508,263 5,107,539 3.51% Shares
HMI Capital Management, L.P. $81,598,157 4,990,713 3.43% Shares
BANK OF MONTREAL /CAN/ $77,017,738 4,710,565 3.24% Shares
VANGUARD CAPITAL MANAGEMENT LLC $72,958,736 4,462,308 3.07% Shares
Clearbridge Investments, LLC $63,987,916 3,913,634 2.69% Shares
Lead Edge Capital Management, LLC $59,883,020 3,662,570 2.52% Shares
Long Path Partners LP $59,504,877 3,639,442 2.50% Shares
WELLINGTON MANAGEMENT GROUP LLP $49,282,628 3,014,228 2.07% Shares
STATE STREET CORP $47,528,142 2,906,920 2.00% Shares
GEODE CAPITAL MANAGEMENT, LLC $44,315,851 2,709,930 1.86% Shares
DIMENSIONAL FUND ADVISORS LP $44,146,854 2,700,449 1.86% Shares
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC $41,231,528 2,521,806 1.73% Shares
ALGEBRIS (UK) LTD $39,351,776 2,414,440 1.66% Shares
Conestoga Capital Advisors, LLC $34,669,603 2,120,465 1.46% Shares
BAMCO INC /NY/ $30,537,206 1,867,719 1.28% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $27,309,552 1,670,309 1.15% Shares
JPMORGAN CHASE & CO $23,227,643 1,465,666 0.98% Shares
FRANKLIN RESOURCES INC $21,949,103 1,342,453 0.92% Shares
AMERIPRISE FINANCIAL INC $20,855,637 1,275,574 0.88% Shares
Quantinno Capital Management LP $20,693,165 1,265,637 0.87% Shares
Gotham Asset Management, LLC $19,799,212 1,210,961 0.83% Shares
GOLDMAN SACHS GROUP INC $19,457,595 1,190,067 0.82% Shares
Azora Capital LP $18,011,830 1,101,641 0.76% Shares
Tensile Capital Management LP $17,275,279 1,056,592 0.73% Shares
NORTHERN TRUST CORP $16,521,316 1,010,478 0.70% Shares
UBS Group AG $15,992,295 978,122 0.67% Shares
Ranger Investment Management, L.P. $15,942,149 975,055 0.67% Shares
MORGAN STANLEY $15,511,800 948,733 0.65% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $14,100,894 862,440 0.59% Shares
RAYMOND JAMES FINANCIAL INC $13,878,093 848,813 0.58% Shares
Nuveen, LLC $13,619,664 833,007 0.57% Shares
FMR LLC $13,453,448 822,841 0.57% Shares
CREDIT AGRICOLE S A $13,321,980 814,800 0.56% Shares
Clearline Capital LP $13,068,915 799,322 0.55% Shares
FRED ALGER MANAGEMENT, LLC $12,326,903 753,939 0.52% Shares
JANUS HENDERSON GROUP PLC $12,239,102 817,076 0.52% Shares
MASSACHUSETTS FINANCIAL SERVICES CO /MA/ $11,853,014 724,955 0.50% Shares
VANGUARD FIDUCIARY TRUST CO $11,602,385 709,626 0.49% Shares
KENNEDY CAPITAL MANAGEMENT LLC $10,340,983 632,476 0.44% Shares
Woodline Partners LP $9,641,219 589,677 0.41% Shares
Bank of New York Mellon Corp $9,132,571 558,567 0.38% Shares
LOS ANGELES CAPITAL MANAGEMENT LLC $8,711,215 532,796 0.37% Shares
COMERICA BANK $8,646,608 337,231 0.36% Shares
CYPRESS POINT INVESTMENT MANAGEMENT LP $8,049,579 492,329 0.34% Shares

Show all 315 institutional owners →

Activists & 5%+ owners 2 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 20 insiders · 8 officers · 13 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Sean Desmond CEO & President Sept. 3, 2026 M 1,231,080 0 13 $-3,215,809
Gregory Orenstein CFO & Treasurer Aug. 4, 2026 S 690,513 0 5 $-948,124
David Rudow CFO & Treasurer Nov. 2, 2022 S 149,390 0 0 $0
Joshua L Glover President & Chief Rev Officer April 8, 2024 S 362,656 0 0 $0
April Rieger Chief Lgl. & Admin Ofc., Sec Sept. 15, 2026 S 369,651 0 6 $-828,883
Jeanette Sellers SVP of Accounting Aug. 27, 2026 S 47,763 0 11 $-319,438
Keith Kettell Chief Revenue Officer May 1, 2026 A 228,832 0 0 $0
Matthew Royce Hansen Chief Product Officer Jan. 9, 2024 S 228,514 0 0 $0
Pierre Naude Director Aug. 4, 2026 S 1,116,707 0 5 $-1,691,929
Andrew Hideki Yasutake Director June 18, 2026 A 25,422 0 0 $0
Diego German Dugatkin Director June 18, 2026 A 25,422 0 0 $0
Justin C. Nyweide Director June 18, 2026 A 28,656 0 0 $0
William R Spruill Director June 18, 2026 A 42,287 0 0 $0
Pamela Kilday Director June 18, 2026 A 38,100 0 0 $0
Jonathan J Doyle Director June 18, 2026 A 89,836 0 0 $0
William J Ruh Director June 18, 2026 A 49,836 0 0 $0
Jeff Horing Director Sept. 8, 2025 S 0 0 0 $0
Spencer Lake Director June 2, 2025 M 43,646 0 0 $0
Steven A Collins Director Dec. 13, 2024 S 60,102 0 0 $0
Jeffrey W Lunsford Director June 7, 2022 S 43,404 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 44 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
HAPS · Harbor ETF Trust 0.29% 27,110 NS July 31, 2026 N-PORT
ESSC · Strategy Shares 0.23% 4,402 NS July 31, 2026 N-PORT
FYC · First Trust Exchange-Traded AlphaDE… 0.15% 105,320 NS July 31, 2026 N-PORT
AIBU · Direxion Shares ETF Trust 0.15% 1,803 NS July 31, 2026 N-PORT
IWO · iShares Trust 0.14% 951,059 SH Sept. 11, 2026 Daily
DFSV · Dimensional ETF Trust 0.12% 529,738 NS July 31, 2026 N-PORT
VTWG · VANGUARD SCOTTSDALE FUNDS 0.10% 108,063 SH Aug. 19, 2026 Daily
PRFZ · Invesco Exchange-Traded Fund Trust 0.09% 127,591 SH Oct. 1, 2026 Daily
IWM · iShares Trust 0.08% 2,750,630 SH Sept. 11, 2026 Daily
IGV · iShares Trust 0.07% 452,716 SH Sept. 11, 2026 Daily
PKW · Invesco Exchange-Traded Fund Trust 0.07% 65,736 SH Oct. 1, 2026 Daily
BBSC · J.P. Morgan Exchange-Traded Fund Tr… 0.07% 25,948 NS July 31, 2026 N-PORT
RSSL · Global X Funds 0.06% 51,474 NS July 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.05% 618,559 SH Aug. 19, 2026 Daily
VBK · VANGUARD INDEX FUNDS 0.04% 1,297,087 SH Aug. 19, 2026 Daily
ISCG · iShares Trust 0.03% 15,451 SH Sept. 11, 2026 Daily
FTEC · FIDELITY COVINGTON TRUST 0.03% 335,547 NS July 31, 2026 N-PORT
FAD · First Trust Exchange-Traded AlphaDE… 0.03% 9,539 NS July 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.03% 248,535 NS July 31, 2026 N-PORT
VGT · VANGUARD WORLD FUND 0.03% 2,624,342 SH Aug. 19, 2026 Daily
WSML · iShares Trust 0.02% 6,362 SH Sept. 11, 2026 Daily
VXF · VANGUARD INDEX FUNDS 0.02% 1,140,339 SH Aug. 19, 2026 Daily
VB · VANGUARD INDEX FUNDS 0.02% 2,255,126 SH Aug. 19, 2026 Daily
VFVA · VANGUARD WELLINGTON FUND 0.02% 10,599 SH Aug. 19, 2026 Daily
DXUV · Dimensional ETF Trust 0.02% 5,833 NS July 31, 2026 N-PORT
TECB · iShares Trust 0.01% 3,418 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.01% 5,845 SH Aug. 19, 2026 Daily
IGM · iShares Trust 0.01% 45,587 SH Sept. 11, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 1,304 SH Oct. 1, 2026 Daily
DFAT · Dimensional ETF Trust 0.01% 47,913 NS July 31, 2026 N-PORT
ITOT · iShares Trust 0.00% 139,802 SH Sept. 11, 2026 Daily
IWV · iShares Trust 0.00% 29,234 SH Sept. 10, 2026 Daily
DFAU · Dimensional ETF Trust 0.00% 8,834 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 26,191 NS July 31, 2026 N-PORT
TILT · FlexShares Trust 0.00% 158 NS July 31, 2026 N-PORT
VTI · VANGUARD INDEX FUNDS 0.00% 3,122,085 SH Aug. 19, 2026 Daily
VT · VANGUARD INTERNATIONAL EQUITY INDEX… 0.00% 88,830 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 8,516 SH Aug. 19, 2026 Daily
DFUS · Dimensional ETF Trust 0.00% 358 NS July 31, 2026 N-PORT
ESGV · VANGUARD WORLD FUND 0.00% 23,820 SH Aug. 19, 2026 Daily
IWN · iShares Trust · 67,472 SH Sept. 11, 2026 Daily
ISCB · iShares Trust · 4,226 SH Sept. 11, 2026 Daily
ISCV · iShares Trust · 10,475 SH Sept. 11, 2026 Daily
SMMV · iShares Trust · 9,888 SH Aug. 19, 2026 Daily

NCNO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 20 analysts BUY
Median target $25.00 +33.8%
5 25.0% Strong Buy
10 50.0% Buy
5 25.0% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

11 analysts · 2026-09-30

Mean target $24.27 +29.9%

Now Current price $18.68
Low$17.00 Mean$24.27 High$28.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
NCNO $2.43B 427.2 10.0% 0.87% 0.49% 60.6%
FIVN $1.55B 44.6 10.3% 3.4% 5.6% 55.1%
VIA $0 -9.9 28.6% -22.2% 53.6% 39.6%
NN · · · · · ·
RAMP · 11.8 9.0% 17.9% 15.2% 70.7%
KEEL · · 72.0% -124.1% -48.6% -8.2%
PRCH $1.13B -304.3 10.2% -0.70% 9.9% 70.5%
ASAN $2.44B -12.8 9.2% -23.9% -99.8% 89.0%
VERX · · 12.2% 0.96% 2.8% 64.3%
BLKB $2.96B 26.7 -2.3% 10.2% 145.7% 58.8%
AMPL · -17.3 14.7% -25.8% -33.7% 74.0%

Latest News Recent headlines mentioning this company

23

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Source: SEC 10-Q filed Aug 25, 2026