nCino Inc (NCNO) — Financial Flexibility Index
nCino Inc (NCNO) has a Financial Flexibility Index of 0.13x as of April 2026. Free cash flow of $82.02 Million (operating CF $81.41 Million minus capex $614.00K) represents 0% of total liabilities ($623.38 Million). Check nCino Inc total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
nCino Inc Financial Flexibility Index (2018–2026)
Historical Financial Flexibility Index trend for nCino Inc across 9 annual periods. For the full cash flow conversion analysis, see NCNO cash flow conversion.
Annual Financial Flexibility Index for nCino Inc (2018–2026)
Year-by-year free cash flow to debt coverage for nCino Inc. Explore nCino Inc cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.17x | $97.57 Million | $90.06 Million | $579.45 Million | ▲ +50.2% |
| 2025 | 0.11x | $57.47 Million | $55.20 Million | $512.78 Million | ▼ -47.3% |
| 2024 | 0.21x | $61.16 Million | $57.28 Million | $287.83 Million | ▲ +1708.5% |
| 2023 | 0.01x | $3.52 Million | $-15.38 Million | $299.60 Million | ▲ +119.7% |
| 2022 | -0.06x | $-13.77 Million | $-19.23 Million | $230.51 Million | ▼ -159.2% |
| 2021 | 0.10x | $13.56 Million | $9.22 Million | $134.43 Million | ▲ +344.6% |
| 2020 | -0.04x | $-3.24 Million | $-9.00 Million | $78.52 Million | ▼ -165.9% |
| 2019 | 0.06x | $3.38 Million | $-4.59 Million | $53.93 Million | ▲ +116.7% |
| 2018 | -0.38x | $-13.12 Million | $-15.96 Million | $34.95 Million | — |