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, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML 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 suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. 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 sales team comprising 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.

nCino, Inc.

Agora Financial Technologies provides banking and card services through a modular banking platform for banks, credit unions, fintech, and brands. The company offers white-label banking solutions that allow for the rapid development of banking products.

Agora Financial Technologies

Chime is a financial technology company that provides banking services through partnerships with The Bancorp Bank, N.A. and Stride Bank, N.A.

Ryan King

Chris Britt

Chime

LendingFront provides lending solutions for small businesses, including alternatives for banks and credit unions. The company offers a range of financial products and services aimed at streamlining the lending process. Self-described as simplifying small business lending.

LendingFront

nCino offers a cloud banking platform for financial institutions, providing solutions for commercial banking, consumer banking, mortgage services, and more. self-described.

Metric
Company Name	nCino, Inc.	Agora Financial Technologies	Chime	LendingFront
Symbol	NCNO
MSH ID	COM:NCINO	COM:AGORAFT	COM:CHIME	COM:LENDINGFRONT
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Technology	Financial Services & Finance	Financial Services & Finance	Financial Services & Finance
Industry	Software - Application	Banking and Financial Services	Financial Technology	Financial Technology
Country	US	US	US	US
Stage				Non Equity Assistance
Employee Count	1.65K		1.70K
Website	ncino.com	agoraft.com	chime.com	lendingfront.com
LinkedIn			chime-card
Founders

Metric
Market Cap	3.52B
Enterprise Value
Monthly Web Traffic		16.45M	422
Web Traffic Growth		-0.19	-0.65
Valuation
Raised Capital

Metric
Revenue	476.54M
Revenue (LTM)
Revenue (NTM)
Gross Profit	285.07M
EBITDA	-39.51M
Operating Income	-39.51M
Net Income	-42.35M
EPS	-0.38
Diluted EPS	-0.38
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.59
Operating Profit Margin	-0.04
EBITDA Margin	-0.08
Net Profit Margin	-0.06
Return on Equity	-0.03
Return on Assets	-0.02
Return on Capital Employed	-0.02

COM:NCINO

nCino

Last Close

40.45

22/11 21:00

Market Cap

3.52B

Beta: -

Volume Today

765.96K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	-45.34
P/B Ratio	3.36
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	8.51
EV Multiple	2.26K

Metric
Days Sales Outstanding	50.93
Days Payables Outstanding	25.35
Days Inventory Outstanding	19.66
Operating Cycle	89.85
Cash Conversion Cycle	66.87
Asset Turnover	0.36

Metric
Operating Cash Flow	57.28M
Free Cash Flow	53.41M
Cash Flow to Debt	4.26
Operating Cash Flow/Sales	0.16
Free Cash Flow Yield	0.00

Metric
Cash & Equivalents	112.08M
Accounts Receivable	-14.32M
Inventory	1
Goodwill	838.87M
Debt to Capitalization	0.07
Debt to Assets	0.05
Current Ratio	1.10
Quick Ratio	1.08

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.12
R&D to Revenue	0.27
SG&A to Revenue	0.18