nCino Inc (NCNO) - Net Assets
Based on the latest financial reports, nCino Inc (NCNO) has net assets worth $1.05 Billion USD as of October 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.56 Billion) and total liabilities ($507.25 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check NCNO asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.05 Billion |
| % of Total Assets | 67.51% |
| Annual Growth Rate | 45.89% |
| 5-Year Change | 155.87% |
| 10-Year Change | N/A |
| Growth Volatility | 77.63 |
nCino Inc - Net Assets Trend (2018–2025)
This chart illustrates how nCino Inc's net assets have evolved over time, based on quarterly financial data. Also explore nCino Inc total assets for the complete picture of this company's asset base.
Annual Net Assets for nCino Inc (2018–2025)
The table below shows the annual net assets of nCino Inc from 2018 to 2025. For live valuation and market cap data, see how much is nCino Inc worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-01-31 | $1.10 Billion | +4.27% |
| 2024-01-31 | $1.05 Billion | +2.43% |
| 2023-01-31 | $1.03 Billion | -4.00% |
| 2022-01-31 | $1.07 Billion | +149.55% |
| 2021-01-31 | $428.97 Million | +149.94% |
| 2020-01-31 | $171.63 Million | +159.90% |
| 2019-01-31 | $66.04 Million | -15.35% |
| 2018-01-31 | $78.01 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to nCino Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 30288900000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (January 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $58.00K | 0.01% |
| Other Comprehensive Income | $176.00K | 0.02% |
| Other Components | $1.47 Billion | 135.35% |
| Total Equity | $1.09 Billion | 100.00% |
nCino Inc Competitors by Market Cap
The table below lists competitors of nCino Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Basic Fit NV
AS:BFIT
|
$2.08 Billion |
|
Dgb Financial
KO:139130
|
$2.08 Billion |
|
Zhuzhou Huarui Precision Cutting Tools Co Ltd
SHG:688059
|
$2.08 Billion |
|
First National Financial Corp
TO:FN
|
$2.08 Billion |
|
Beijing Originwater Technology
SHE:300070
|
$2.08 Billion |
|
Anyuan Coal Industry Group Co Ltd
SHG:600397
|
$2.08 Billion |
|
Íslandsbanki hf.
IC:ISB
|
$2.08 Billion |
|
Godawari Power And Ispat limited
NSE:GPIL
|
$2.08 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in nCino Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,049,176,000 to 1,089,312,000, a change of 40,136,000 (3.8%).
- Net loss of 37,878,000 reduced equity.
- Other comprehensive income decreased equity by 820,000.
- Other factors increased equity by 78,834,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-37.88 Million | -3.48% |
| Other Comprehensive Income | $-820.00K | -0.08% |
| Other Changes | $78.83 Million | +7.24% |
| Total Change | $- | 3.83% |
Book Value vs Market Value Analysis
This analysis compares nCino Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.92x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 20.83x to 1.92x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-01-31 | $0.87 | $18.13 | x |
| 2019-01-31 | $0.74 | $18.13 | x |
| 2020-01-31 | $1.87 | $18.13 | x |
| 2021-01-31 | $4.85 | $18.13 | x |
| 2022-01-31 | $11.04 | $18.13 | x |
| 2023-01-31 | $9.26 | $18.13 | x |
| 2024-01-31 | $9.31 | $18.13 | x |
| 2025-01-31 | $9.46 | $18.13 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently nCino Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -3.48%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -7.01%
- • Asset Turnover: 0.34x
- • Equity Multiplier: 1.48x
- Recent ROE (-3.48%) is above the historical average (-12.58%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2018 | -23.83% | -31.97% | 0.51x | 1.45x | $-26.39 Million |
| 2019 | -33.78% | -24.37% | 0.76x | 1.82x | $-28.91 Million |
| 2020 | -16.50% | -19.97% | 0.55x | 1.50x | $-44.32 Million |
| 2021 | -9.53% | -19.84% | 0.36x | 1.33x | $-83.05 Million |
| 2022 | -4.63% | -18.05% | 0.21x | 1.22x | $-156.21 Million |
| 2023 | -4.89% | -18.30% | 0.21x | 1.30x | $-152.53 Million |
| 2024 | -4.04% | -8.89% | 0.36x | 1.28x | $-147.26 Million |
| 2025 | -3.48% | -7.01% | 0.34x | 1.48x | $-146.81 Million |
Industry Comparison
This section compares nCino Inc's net assets metrics with peer companies in the Software - Application industry.
Industry Context
- Industry: Software - Application
- Average net assets among peers: $1,053,721,914
- Average return on equity (ROE) among peers: -264.41%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| nCino Inc (NCNO) | $1.05 Billion | -23.83% | 0.48x | $2.08 Billion |
| Adobe Systems Incorporated (ADBE) | $224.60 Million | 19.41% | 0.25x | $93.73 Billion |
| ADEIA CORP (ADEA) | $1.45 Billion | 10.11% | 0.86x | $3.00 Billion |
| Automatic Data Processing Inc (ADP) | $2.32 Billion | 19.64% | 0.66x | $76.36 Billion |
| Autodesk Inc (ADSK) | $1.31 Billion | 14.01% | 0.85x | $48.93 Billion |
| AudioEye Inc (AEYE) | $9.44 Million | -45.08% | 2.15x | $71.03 Million |
| Agilysys Inc (AGYS) | $130.78 Million | 13.07% | 0.44x | $1.91 Billion |
| Firefly Neuroscience, Inc. (AIFF) | $109.00K | -2388.07% | 23.23x | $24.73 Million |
| XIAO-I Corporation American Depositary Shares (AIXI) | $-8.47 Million | 0.00% | 0.00x | $10.77 Million |
| Alight Inc (ALIT) | $5.09 Billion | -1.22% | 1.21x | $408.76 Million |
| Alkami Technology Inc (ALKT) | $14.64 Million | -285.93% | 2.60x | $1.72 Billion |
About nCino Inc
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 Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and ente… Read more