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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| NCNO | -28.11% | -68.65% | -20.7% | -72% |
| S&P | +14.11% | +87.98% | +13.46% | +115% |
nCino, Inc. is a financial technology company that aims to streamline all customer and employee banking interactions with its comprehensive, cloud-based Bank Operating System.
A major hedge fund just made a bold bet on a fintech name that’s quietly turning its fundamentals around — here’s what they’re likely seeing.
Why did one fund just cut its nCino stake despite one of the company’s strongest operating quarters yet?
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $152.16M | 9.6% |
| Gross Profit | $88.66M | 9.4% |
| Gross Margin | 58.27% | -0.1% |
| Market Cap | $3.09B | -28.3% |
| Market Cap / Employee | $1.69M | 0.0% |
| Employees | 1.8K | 10.9% |
| Net Income | $8.62M | 307.5% |
| EBITDA | $23.15M | 99.1% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $87.72M | -66.0% |
| Accounts Receivable | $85.66M | 33.6% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $263.42M | 14.8% |
| Short Term Debt | $5.96M | -7.6% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | -1.41% | -0.1% |
| Return On Invested Capital | -5.90% | 2.7% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $4.90M | -1.0% |
| Operating Free Cash Flow | $5.07M | -12.2% |
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Book | 3.61 | 2.47 | 3.00 | 2.91 | -27.21% |
| Price to Sales | 7.29 | 4.86 | 5.62 | 5.27 | -36.10% |
| Price to Tangible Book Value | 76.58 | -31.80 | -18.96 | -18.55 | -113.50% |
| Price to Free Cash Flow TTM | 74.42 | 52.43 | 53.85 | 51.75 | -14.78% |
| Enterprise Value to EBITDA | 555.80 | 266.35 | 260.54 | 141.89 | -61.59% |
| Free Cash Flow Yield | 1.3% | 1.9% | 1.9% | 1.9% | 17.34% |
| Return on Equity | -3.5% | -2.7% | -3.1% | -2.0% | 19.47% |
| Total Debt | $236.82M | $278.35M | $269.49M | $269.37M | 14.19% |
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NCNO earnings call for the period ending September 30, 2024.
NCNO earnings call for the period ending June 30, 2024.
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