Event-Driven Stocks

nCino, Inc.

NCNONasdaq

Technology · Services-Prepackaged Software · DE · SEC filings ↗ · Compare ⊕

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Signs● 5 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY26FY25FY24FY23FY22FY21
Revenue$594.8M$540.7M$476.5M$408.3M$273.9M$204.3M
Operating income$3.7M−$18.1M−$39.5M−$94.0M−$71.4M−$42.6M
Net income$5.2M−$37.9M−$42.3M−$102.7M−$49.4M−$40.5M
Total assets$1.65B$1.61B$1.34B$1.33B$1.30B$563.4M
Total liabilities$579.5M$512.8M$287.8M$299.6M$230.5M$134.4M
Equity$1.06B$1.09B$1.05B$1.02B$1.07B$425.2M
EPS (diluted)$0.05$-0.33$-0.38$-0.93$-0.51$-0.46
Shares out.114.5M116.4M114.2M111.9M110.0M93.6M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2026
Operating margin
0.6%
Net margin
0.9%
Return on equity
0.5%
Return on assets
0.3%
Return on capital (ROCE)
0.3%
Liabilities / assets
35.2%
Debt / equity
0.55×
Book value / share
$9.22
Revenue growth (YoY)
10.0%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2026
Altman Z″ (distress)
1.18grey zone
Accruals / assets
−5.2%clean
Beneish M-Score
-2.63normal
Piotroski F-Score
7/9strong

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
83
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 1 warning● 5 good
  • Altman Z″ in the grey zone
  • Operating margin is positive
  • Revenue is growing year-over-year
  • Conservative leverage (liabilities < 50% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 202614.7M5.2+14.4%
Apr 30, 202612.9M4.6-2.0%
Apr 15, 202613.2M2.8-4.5%
Mar 31, 202613.8M6.2+10.8%
Mar 13, 202612.4M5.7+7.6%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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