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Last update at 2025-01-14T18:52:00Z
This Artificial Intelligence Fintech Trades In A Buy Zone After A 21% Jump
Fri 25 Oct 24, 02:02 PMQ2 Earnings Highlights: Agilysys (NASDAQ:AGYS) Vs The Rest Of The Vertical Software Stocks
Tue 08 Oct 24, 07:08 AMHigh Growth Tech Stocks To Watch In October 2024
Tue 01 Oct 24, 10:04 AMVertical Software Stocks Q2 Results: Benchmarking nCino (NASDAQ:NCNO)
Thu 12 Sep 24, 08:36 AM3 US Stocks Estimated To Be Trading At Up To 44.2% Discount
Tue 10 Sep 24, 11:03 AMIPO Rebound And FinTech Growth Potential Is Helping Nasdaq: Analyst Double Upgrades Stock
Wed 04 Sep 24, 05:52 PMHigh Growth Tech Stocks To Watch In September 2024
Mon 02 Sep 24, 02:04 PMnCino Second Quarter 2025 Earnings: Revenues Beat Expectations, EPS Lags
Thu 29 Aug 24, 10:13 AM| Breakdown | 2023-01-31 | 2022-01-31 | 2021-01-31 | 2020-01-31 | 2019-01-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-01-31 | 2022-01-31 | 2021-01-31 | 2020-01-31 | 2019-01-31 |
| Income before tax | -73.95400M | -40.68400M | -40.68400M | -27.14900M | -22.11200M |
| Minority interest | -0.87600M | 0.68M | 3.79M | 4.36M | 4.36M |
| Net income | -50.12100M | -41.27000M | -40.53600M | -27.59400M | -22.30600M |
| Selling general administrative | 71.55M | 40.77M | 40.77M | 22.54M | 14.79M |
| Selling and marketing expenses | 82.90M | 59.73M | 59.73M | 44.44M | 31.28M |
| Gross profit | 162.45M | 116.16M | 116.16M | 74.11M | 45.08M |
| Reconciled depreciation | 34.65M | 10.01M | 7.43M | 4.61M | 1.46M |
| Ebit | -71.35700M | -42.60800M | -40.55400M | -28.17000M | -22.11200M |
| Ebitda | -62.43400M | -33.12300M | -33.12300M | -23.56100M | -20.65400M |
| Depreciation and amortization | 8.92M | 9.48M | 7.43M | 4.61M | 1.46M |
| Non operating income net other | - | - | 2.05M | - | - |
| Operating income | -71.35700M | -42.60800M | -42.60800M | -28.17000M | -23.21600M |
| Other operating expenses | 345.22M | 246.90M | 246.90M | 166.35M | 114.75M |
| Interest expense | 1.51M | 0.13M | 0.13M | 0.13M | 0.00000M |
| Tax provision | 4.07M | -23.83300M | 0.59M | 0.59M | 0.19M |
| Interest income | 0.40M | 0.19M | 0.36M | 0.99M | 1.19M |
| Net interest income | -2.40400M | -1.32000M | 0.23M | 0.99M | 1.19M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | -23.83300M | 0.59M | 0.59M | 0.59M | 0.19M |
| Total revenue | 273.87M | 204.29M | 204.29M | 138.18M | 91.53M |
| Total operating expenses | 233.81M | 158.77M | 158.77M | 102.28M | 68.30M |
| Cost of revenue | 111.41M | 88.14M | 88.14M | 64.07M | 46.45M |
| Total other income expense net | -2.59700M | 1.92M | 1.69M | 0.03M | -0.08900M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | -101.84400M | -50.12100M | -41.27000M | -27.73500M | -22.30600M |
| Net income applicable to common shares | -102.72000M | -49.44600M | -40.53600M | -27.59400M | -22.30600M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2024-01-31 | 2023-01-31 | 2022-01-31 | 2021-01-31 | 2020-01-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-01-31 | 2023-01-31 | 2022-01-31 | 2021-01-31 | 2020-01-31 |
| Total assets | 1340.43M | 1301.01M | 563.40M | 563.40M | 250.15M |
| Intangible assets | 115.57M | 180.12M | 23.14M | 23.14M | 26.09M |
| Earning assets | - | - | - | - | - |
| Other current assets | 15.17M | 20.97M | 20.97M | 15.29M | 3.61M |
| Total liab | 287.83M | 230.51M | 134.43M | 134.43M | 78.52M |
| Total stockholder equity | 1049.18M | 1067.62M | 425.18M | 425.18M | 167.27M |
| Deferred long term liab | - | 18.23M | 16.40M | 10.19M | 7.00M |
| Other current liab | 27.13M | 36.20M | 20.23M | 20.23M | 71.91M |
| Common stock | 0.06M | 0.06M | 0.05M | 0.05M | 0.04M |
| Capital stock | 0.06M | 0.06M | 0.06M | 0.05M | 0.04M |
| Retained earnings | -352.75800M | -209.61600M | -161.06400M | -161.06400M | -120.92400M |
| Other liab | - | - | 11.46M | 2.80M | 1.95M |
| Good will | 838.87M | 841.49M | 57.15M | 57.15M | 55.84M |
| Other assets | - | - | 18.02M | 10.94M | 9.46M |
| Cash | 112.08M | 88.01M | 371.43M | 371.43M | 91.18M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 215.04M | 174.38M | 115.69M | 115.69M | 76.58M |
| Current deferred revenue | 170.94M | 122.64M | 89.14M | 89.14M | 58.94M |
| Net debt | -37.85900M | -39.16900M | -355.16200M | -355.16200M | -91.18400M |
| Short term debt | 5.12M | 4.17M | 0.32M | 0.32M | -58.94200M |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 74.23M | 48.84M | 16.26M | 16.26M | 16.26M |
| Other stockholder equity | 1400.88M | 1277.26M | 585.96M | 161.02M | 120.88M |
| Property plant equipment | - | 94.95M | 73.85M | 29.94M | 13.48M |
| Total current assets | 240.23M | 183.51M | 442.23M | 442.23M | 145.28M |
| Long term investments | 9.29M | 6.53M | 4.03M | - | - |
| Net tangible assets | - | 31.81M | 46.02M | 344.89M | 85.34M |
| Short term investments | - | - | - | - | - |
| Net receivables | 112.97M | 74.53M | 55.52M | 55.52M | 43.41M |
| Long term debt | - | 30.00M | - | - | - |
| Inventory | 0.00000M | 9.39M | - | - | 7.08M |
| Accounts payable | 11.84M | 11.37M | 6.00M | 6.00M | 4.67M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | 1.00M | -0.07200M | 0.24M | 0.24M | -0.40800M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 0.05M | 0.04M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | -161.06400M | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 28.20M | 16.34M | 10.94M | 0.75M | 9.46M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1100.20M | 1117.51M | 121.17M | 121.17M | 104.87M |
| Capital lease obligations | 74.23M | 66.54M | 48.84M | 16.26M | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2023-01-31 | 2022-01-31 | 2021-01-31 | 2020-01-31 | 2019-01-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-01-31 | 2022-01-31 | 2021-01-31 | 2020-01-31 | 2019-01-31 |
| Investments | -20.72500M | -4.03100M | -4.33800M | -58.02700M | -7.96500M |
| Change to liabilities | 0.04M | 28.75M | 38.37M | 25.42M | 18.21M |
| Total cashflows from investing activities | -20.72500M | -278.48800M | -4.33800M | -58.02700M | -7.96500M |
| Net borrowings | 28.88M | -0.31800M | -0.03700M | -0.03700M | -0.03700M |
| Total cash from financing activities | 15.92M | 274.12M | 274.12M | 84.09M | 6.26M |
| Change to operating activities | -21.64500M | -8.81700M | -12.36100M | -6.21400M | -0.49000M |
| Net income | -50.12100M | -41.27000M | -41.27000M | -27.73500M | -22.30600M |
| Change in cash | -283.02600M | 280.24M | 280.24M | 16.84M | -6.32900M |
| Begin period cash flow | 371.43M | 91.18M | 91.18M | 74.35M | 80.68M |
| End period cash flow | 88.40M | 371.43M | 371.43M | 91.18M | 74.35M |
| Total cash from operating activities | -19.22900M | 9.22M | 9.22M | -8.99800M | -4.58900M |
| Issuance of capital stock | 0.00000M | 0.00000M | 268.38M | 80.00M | 0.00000M |
| Depreciation | 10.01M | 7.43M | 7.43M | 4.61M | 1.46M |
| Other cashflows from investing activities | - | - | - | -52.26700M | - |
| Dividends paid | - | - | - | - | - |
| Change to inventory | - | -3.34200M | -3.34200M | -1.62800M | -1.18500M |
| Change to account receivables | -13.50700M | -11.41300M | -11.41300M | -14.15600M | -5.65500M |
| Sale purchase of stock | - | - | 274.36M | 81.04M | 6.26M |
| Other cashflows from financing activities | 16.24M | 5.78M | 5.78M | 4.09M | 6.26M |
| Change to netincome | 58.93M | 8.01M | 23.05M | 5.69M | 4.20M |
| Capital expenditures | 5.46M | 4.34M | 4.34M | 5.76M | 7.96M |
| Change receivables | - | - | -11.41300M | - | - |
| Cash flows other operating | - | - | 21.22M | - | - |
| Exchange rate changes | - | - | 1.24M | - | - |
| Cash and cash equivalents changes | - | - | 280.24M | - | - |
| Change in working capital | 6.43M | 14.59M | 14.59M | 5.05M | 12.06M |
| Stock based compensation | 28.48M | 25.21M | 25.21M | 5.75M | 4.09M |
| Other non cash items | 10.26M | 3.09M | 3.09M | 3.14M | 16.26M |
| Free cash flow | -24.69200M | 4.88M | 4.88M | -14.75800M | -12.55400M |
Sector: Technology Industry: Software - Application
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | Enterprise Value to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| NCNO nCino Inc |
0.41 1.26% | 32.95 | - | - | 6.99 | 3.17 | 6.91 | 441.20 |
| CRM Salesforce.com Inc |
5.91 1.85% | 324.98 | 100.89 | 27.47 | 7.42 | 4.34 | 7.44 | 26.81 |
| SAPGF SAP SE |
6.00 2.42% | 254.00 | 76.28 | 22.88 | 5.61 | 3.84 | 5.59 | 26.18 |
| SAP SAP SE ADR |
4.79 1.92% | 254.32 | 75.80 | 22.37 | 5.62 | 3.75 | 5.51 | 25.79 |
| INTU Intuit Inc |
7.68 1.25% | 620.90 | 55.56 | 32.68 | 11.28 | 10.07 | 11.62 | 40.11 |
nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System connects financial institution employees, clients and third parties on a single cloud-based platform which include client onboarding, deposit account opening, loan origination, end-to-end mortgage suite, and powerful ecosystem. The company's nIQ, an application suite that utilizes data analytics and artificial intelligence and machine learning to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a cloud-based mobile-first homeownership software solution. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
6770 Parker Farm Drive, Wilmington, NC, United States, 28405
| Name | Title | Year Born |
|---|---|---|
| Mr. Pierre Naude | Co-Founder, Chairman & CEO | 1959 |
| Mr. Joshua L. Glover | Pres & Chief Revenue Officer | 1979 |
| Mr. David M. Rudow | CFO & Treasurer | 1969 |
| Mr. Gregory D. Orenstein | Chief Corp. Devel. & Strategy Officer | 1969 |
| Mr. Sean Desmond | Chief Customer Success Officer | 1973 |
| Mr. Pullen Daniel | Co-Founder, Exec. VP of Corp. Devel. & Strategy | NA |
| Ms. Katie Smith | Director of Operations | NA |
| Jeanette Sellers | VP of Accounting | NA |
| Ms. April Rieger | Exec. VP, Gen. Counsel & Sec. | 1980 |
| Mr. Jaime Punishill | Chief Market Officer | NA |
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