nCino, Inc. (NCNO) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
NCNO financial screening at a glance
Calculation date: 2026-08-31. Financial period used: January 2026. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
What the available screens say
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Business activity evidence
Activity assessment in progress
The supplied classification (Software - Application) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from January 2026
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | 16.9% / 30% | 5.4% / 30% | 15.5% / 30% | 0.24% / 5% | FINANCIAL SCREEN PASSED* |
| FTSE | 16.9% / 33% | 5.4% / 33% | 15.5% / 50% | 0.24% / 5% | FINANCIAL SCREEN PASSED* |
Financial Highlights
Profitability
| Gross Margin | 62.2% | |
| Operating Margin | 8.5% | |
| Net Margin | 5.4% | |
| Return on Equity (ROE) | 3.9% | |
| Return on Assets (ROA) | 2.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $90M |
| Free Cash Flow | $83M |
| Total Debt | $279M |
| Debt-to-Equity | 35.8 |
| Current Ratio | 0.8 |
| Total Assets | $1.6B |
Price & Trading
| Last Close | $23.32 |
| 50-Day MA | $18.29 |
| 200-Day MA | $19.19 |
| Avg Volume | 3.1M |
| Beta | 0.7 |
|
52-Week Range
$13.80
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-08-31 for the financial period January 2026. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About nCino, Inc. (NCNO)
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
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Frequently Asked Questions
Is nCino, Inc. (NCNO) halal to invest in?
The current automated result is Financial screen passed; activity assessment pending. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is nCino, Inc.'s debt ratio?
nCino, Inc.'s debt ratio is 16.9% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are nCino, Inc.'s key financial metrics?
nCino, Inc. has a market capitalization of USD 2431M in its listing currency, trailing P/E ratio of 74.2, and revenue of $595M. The company maintains a gross margin of 62.2% and a net margin of 5.4%. Return on equity stands at 3.9%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: January 2026. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.