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NCNO

nCino, Inc.

nCino, Inc. is classed by the SEC under Services-Prepackaged Software (industry code 7372), based in Wilmington, NC. In its latest annual figures on file, for the fiscal year ended 2026-01-31, it reported revenue of $595 million and a profit of $5 million (its filed statements).

Subscription business Services-Prepackaged Software Wilmington, NC filings since 2022 9 of 9 filed
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5.2/10headline grade
vs its business-model standard
6.7/10past 5.3/10present 4.2/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a subscription business: prior from its industry code (SEC 7372, Services-Prepackaged Software); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 5.2 out of ten, 9 of 9 metrics filed: past 6.7 out of ten, present 5.3 out of ten, future 4.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 7.3 out of ten. No warning events in its filings since 2022. 73rd percentile among 230 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 6.3 out of ten. +27.5% a year over 7 filed years; profitable in 1 of 7. 63rd percentile among 213 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 6.8 out of ten. Share count grew 1.1% a year. 62% of cash flow returned. Insiders: 41 sales, 0 purchases. 69th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 5.6 out of ten. ROE 0%: 0¢ of profit per shareholder dollar. Leverage 36%: owes 36¢ per asset dollar. 56th percentile among 217 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 5.5 out of ten. top 45% of 218 in its family; net margin 0.9%. 55th percentile among 218 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 4.2 out of ten. bottom 42% of 137 in its family for leadership; chief executive since 2025. 42nd percentile among 137 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
  • Room to expand (future): 4.3 out of ten. bottom 43% of 216 in its family for room to expand. 43rd percentile among 216 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 3.1 out of ten. bottom 31% of 213 in its family for growth drivers. 31st percentile among 213 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 5.8 out of ten. top 42% of 194 in its family for expectations against reality. 58th percentile among 194 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-31 for the period ended 2026-01-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-25 for the period ended 2026-07-31 (on EDGAR). Newest results release: Form 8-K filed 2026-08-25 (on EDGAR). Newest filing: Form 144, 2026-10-09. Filings on record since 2022. Read from EDGAR 2026-10-12.

Where the revenue comes from

Product and service lines in fiscal 2026: License and Service 88%, Professional Services 12%. By geography: United States 78%, United Kingdom 12%, Other 10%. As tagged in its annual report (Form 10-K, filed 2026-03-31).

Who runs it

Desmond, Sean (CEO & President); Naude, Pierre (CEO); Orenstein, Gregory (CFO & Treasurer); Rieger, April (Chief Lgl. & Admin Ofc., Sec); Kettell, Keith (Chief Revenue Officer); Sellers, Jeanette (SVP of Accounting); Doyle, Jonathan J (director); Dugatkin, Diego German (director); Kilday, Pamela (director); Nyweide, Justin C. (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-07.

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