What is the 13F Pro Quality Score for NCNO?

13F Pro ranks nCino, Inc. (NCNO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NCNO's current score at https://13fpro.ai/research/NCNO (free sign-up required for the full ranking).

Which hedge funds own the most NCNO stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of NCNO include VANGUARD PORTFOLIO MANAGEMENT, HMI Capital,, BlackRock,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/NCNO as soon as new 13F filings post.

Where does 13F Pro source NCNO data?

All nCino, Inc. fundamentals and ownership data come directly from SEC EDGAR. nCino, Inc. files with the SEC under CIK 1902733. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NCNO in?

nCino, Inc. (NCNO) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

How often is NCNO research updated on 13F Pro?

NCNO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

nCino, Inc.(NCNO)Stock Analysis

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13F Pro Quality Score

53.7/100

Rank #1,264 of 2,879 stocksTOP 50%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

69.7/100

Profitability

59.6/100

Balance Sheet

40.3/100

Earnings Quality

30.0/100

Free Cash Flow

82.3/100

Institutional Flow

24.0/100

Revenue Scale

40.0/100

Dilution Risk

14.5/100

NCNO Stock Analysis & AI Quality Score

AI stock analysis and institutional research for nCino, Inc. (NCNO), a Technology sector company. 13F Pro's AI-powered ranking engine scores NCNO at 53.7/100 on a 32-signal composite quality model, placing it at rank #1,264 of 2,879 stocks — the top half of the AI-ranked universe. NCNO scores in the top quartile across free cash flow (82.3). Areas of concern include institutional flow (24.0) and earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 14.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2027), nCino, Inc. reports quarterly revenue of $159.4M, net income of $13.6M, free cash flow of $80.8M. Top institutional holders of NCNO by reported 13-F value include VANGUARD PORTFOLIO MANAGEMENT, HMI Capital,, BlackRock,, based on the most recent SEC filings. NCNO trades on the Nasdaq exchange and files with the SEC under CIK 1902733. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NCNO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for nCino, Inc. directly from SEC EDGAR. nCino, Inc.'s 13F Pro composite quality score has ranged between 8 and 61 since 2022, currently 53.7 — an improving long-term trajectory across 51 quarterly and live scoring snapshots.

✦

Fun facts about nCino, Inc.

Quirks, history, and lore behind NCNO — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. enterprise software company · listed on Nasdaq · headquartered in North Carolina · serves the financial services industry.
2
The Numbers
Annual revenue in the range of $500 million, with a customer base spanning hundreds of banks and credit unions across multiple continents.
3
The History
Founded in 2012 and spun out of a major U.S. bank, it went public in 2020 — one of the splashier fintech IPOs of that era.
4
The Secret
Its platform lives entirely in the cloud — built natively on Salesforce — which is a rare architectural choice for stuffy, regulation-heavy banking software.
5
The Lore
The company's roots trace back to Live Oak Bank, a small lender that built the tool for itself, realized other banks needed it too, and spun it out as its own company.
6
The Giveaway
Its name is a play on the word "casino" — rearranged — and it sells a cloud banking operating system so lenders can finally ditch their legacy software nightmares.

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Revenue

Q1 2027

$159.4M

Net Income

Q1 2027

$13.6M

Free Cash Flow

Q1 2027

$80.8M

ROIC

Q1 2027

1.7%

D/E Ratio

Q1 2027

0.28

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+10.0% YoY

$594.8MFY 2026

FY23 $408.3MFY24 $476.5MFY25 $540.7MFY26 $594.8M

Net Income

+125.6% YoY

$9.7MFY 2026

FY23 $-101.8MFY24 $-42.3MFY25 $-37.9MFY26 $9.7M

Operating Income

+120.6% YoY

$3.7MFY 2026

FY23 $-94.0MFY24 $-39.5MFY25 $-18.1MFY26 $3.7M

EPS (Diluted)

+115.2% YoY

$0.05FY 2026

FY23 $-0.93FY24 $-0.38FY25 $-0.33FY26 $0.05

Total Assets

+2.3% YoY

$1.65BFY 2026

FY23 $1.33BFY24 $1.34BFY25 $1.61BFY26 $1.65B

Total Debt

$213.5MFY 2026

FY23 —FY24 —FY25 —FY26 $213.5M

Op. Cash Flow

+63.2% YoY

$90.1MFY 2026

FY23 $-15.4MFY24 $57.3MFY25 $55.2MFY26 $90.1M

Metric	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Revenue	$594.8M +10.0%	$540.7M +13.5%	$476.5M +16.7%	$408.3M +49.1%	$273.9M +34.1%	$204.3M
Net Income	$9.7M +125.6%	$-37.9M +10.6%	$-42.3M +58.4%	$-101.8M -106.0%	$-49.4M -22.0%	$-40.5M
Operating Income	$3.7M +120.6%	$-18.1M +54.1%	$-39.5M +58.0%	$-94.0M -31.8%	$-71.4M -67.5%	$-42.6M
EPS (Diluted)	$0.05 +115.2%	$-0.33 +13.2%	$-0.38 +59.1%	$-0.93 -82.4%	$-0.51 -10.9%	$-0.46
Total Assets	$1.65B +2.3%	$1.61B +20.1%	$1.34B +1.0%	$1.33B +2.0%	$1.30B +130.9%	$563.4M
Total Debt	$213.5M	—	—	—	—	—
Operating Cash Flow	$90.1M +63.2%	$55.2M -3.6%	$57.3M +472.4%	$-15.4M +20.0%	$-19.2M -308.5%	$9.2M

AI Insight: NCNO Financial Trends

Operating profitability returned in Q4 2025 and accelerated in Q2 2026, but leverage spiked as debt appeared on the balance sheet.

• Operating income swung from -$9M in Q3 2025 to +$21M in Q2 2026, marking sustained profitability after two-year losses.

• Revenue grew 20% over eight quarters: $132M (Q3 2024) to $159M (Q2 2026), with Q2 2026 accelerating to 6% quarter-over-quarter.

• Operating cash flow surged to $81M in Q2 2026, highest in the dataset, despite net margin compression to 9%.

⚠ Total debt of $273M appeared in Q2 2026; equity fell to $970M, pushing net leverage to 0.3x. Monitor debt paydown timeline.

⚠ Net income volatility persists: +$14M in Q2 2026 after -$15M in Q3 2025. Earnings quality and sustainability unclear.

AI Insight: NCNO Ratio Trends

nCino swung to profitability in Q2 2026, with operating margin reaching 13.2% and ROIC recovering to 6.8%, reversing chronic losses from prior year.

• Operating margin expanded from -6.2% in Q3 2025 to 13.2% in Q2 2026, a 19.4pp swing; NPM improved to 8.6% from -10.2%.

• ROIC turned positive at 6.8% in Q2 2026 after consecutive quarterly declines through Q1 2026, signaling renewed capital efficiency.

• TTM net profit margin of 2.2% and TTM ROIC of 2.1% reflect recent turnaround, though both lag Q2 2026 quarterly rates.

⚠ Volatility persists: Q1 2026 OpMargin fell to 1.9% before Q2 rebound; monitor sustainability of profitability improvement.

⚠ Debt-to-equity of 0.28 remains modest, but leverage data gap from Q3 2024–Q1 2026 limits trend visibility.

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Available Research

13F Pro tracks comprehensive data for nCino, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NCNO

VANGUARD PORTFOLIO MANAGEMENT LLC
$104.2M6,958,680 sh
HMI Capital, LLC
$101.5M6,778,028 sh
BlackRock, Inc.
$84.5M5,640,182 sh
Senvest Management, LLC
$79.5M5,308,468 sh
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC
$77.0M5,140,656 sh
VANGUARD CAPITAL MANAGEMENT LLC
$70.7M4,719,936 sh
HAWK RIDGE CAPITAL MANAGEMENT LP
$67.1M4,481,810 sh
Long Path Partners LP
$66.2M4,419,945 sh
MILLENNIUM MANAGEMENT LLC
$66.0M4,403,022 sh
Spyglass Capital Management LLC
$46.2M3,085,237 sh

Fund	Value	Shares
VANGUARD PORTFOLIO MANAGEMENT LLC	$104.2M	6,958,680
HMI Capital, LLC	$101.5M	6,778,028
BlackRock, Inc.	$84.5M	5,640,182
Senvest Management, LLC	$79.5M	5,308,468
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC	$77.0M	5,140,656
VANGUARD CAPITAL MANAGEMENT LLC	$70.7M	4,719,936
HAWK RIDGE CAPITAL MANAGEMENT LP	$67.1M	4,481,810
Long Path Partners LP	$66.2M	4,419,945
MILLENNIUM MANAGEMENT LLC	$66.0M	4,403,022
Spyglass Capital Management LLC	$46.2M	3,085,237

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Is NCNO a good stock to buy?

13F Pro's AI-powered analysis of nCino, Inc. (NCNO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NCNO are available on the NCNO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own NCNO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NCNO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of nCino, Inc.'s investment landscape.