Ncino (NCNO) Debt-to-Equity : 0.07 (As of Jan. 2024)

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What is Ncino Debt-to-Equity?

Ncino's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jan. 2024 was $5.1 Mil. Ncino's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jan. 2024 was $69.1 Mil. Ncino's Total Stockholders Equity for the quarter that ended in Jan. 2024 was $1,049.2 Mil. Ncino's debt to equity for the quarter that ended in Jan. 2024 was 0.07.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Ncino's Debt-to-Equity or its related term are showing as below:

NCNO' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.06 Max: 0.09
Current: 0.07

During the past 7 years, the highest Debt-to-Equity Ratio of Ncino was 0.09. The lowest was 0.04. And the median was 0.06.

NCNO's Debt-to-Equity is ranked better than
72.11% of 2227 companies
in the Software industry
Industry Median: 0.22 vs NCNO: 0.07

Ncino Debt-to-Equity Historical Data

The historical data trend for Ncino's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Ncino Debt-to-Equity Chart

Ncino Annual Data

Trend

Jan18

Jan19

Jan20

Jan21

Jan22

Jan23

Jan24

Debt-to-Equity

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0.04

0.05

0.09

0.07

Ncino Quarterly Data
	Apr19	Jul19	Oct19	Jan20	Apr20	Jul20	Oct20	Jan21	Apr21	Jul21	Oct21	Jan22	Apr22	Jul22	Oct22	Jan23	Apr23	Jul23	Oct23	Jan24
Debt-to-Equity	Get a 7-Day Free Trial															0.09	0.08	0.06	0.06	0.07

Competitive Comparison of Ncino's Debt-to-Equity

For the Software - Application subindustry, Ncino's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Ncino's Debt-to-Equity Distribution in the Software Industry

For the Software industry and Technology sector, Ncino's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Ncino's Debt-to-Equity falls into.

Ncino Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Ncino's Debt to Equity Ratio for the fiscal year that ended in Jan. 2024 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(5.123	+	69.103)	/	1049.176
	=	0.07

Ncino's Debt to Equity Ratio for the quarter that ended in Jan. 2024 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(5.123	+	69.103)	/	1049.176
	=	0.07

Ncino (NAS:NCNO) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Ncino Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Ncino's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Ncino (NCNO) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Technology » Software » Ncino Inc (NAS:NCNO) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

6NCA:Germany

Address

6770 Parker Farm Drive, Wilmington, NC, USA, 28405

Website

https://www.ncino.com

Ncino Inc is a provider of cloud-based software for financial institutions. Its software solution digitizes, automates, and streamlines inefficient and complex processes & workflow and utilizes data analytics & artificial intelligence that enables financial institutions to more effectively onboard new clients, make loans and manage the entire loan life cycle, open deposit, and other accounts and manage regulatory compliance. It also offers professional services, including configuration & implementation, training, and advisory services. Ncino generates the majority of its revenue from subscription services. The company caters to global financial institutions, enterprise banks, regional banks, community banks, and credit unions. The vast majority of its revenue comes from the United States.

Executives

April Rieger	officer: Chief Lgl. & Compl. Ofc., Sec.	6770 PARKER FARM DRIVE, SUITE 200, WILMINGTON NC 28405
Sean Desmond	officer: Chief Customer Success Officer	6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Pierre Naude	director, officer: CEO	6770 PARKER FARM DRIVE, SUITE 200, WILMINGTON NC 28405
Steven A Collins	director	20 N. MERIDIAN STREET, SUITE 200, INDIANAPOLIS IN 46204
Matthew Royce Hansen	officer: Chief Product Officer	C/O SOUTHPORT ACQUISITION CORPORATION, 1745 GRAND AVENUE, DEL MAR CA 92014
Jeanette Sellers	officer: VP of Accounting	6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Joshua L Glover	officer: President & Chief Rev Officer	6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Gregory Orenstein	officer: Chief Corp Dev & Strat Officer	6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Jeff Horing	director, 10 percent owner	INSIGHT PARTNERS, 680 5TH AVENUE 8TH FLOOR, NEW YORK NY 10019
William R Spruill	director	6770 PARKER FARM DRIVE, SUITE 200, WILMINGTON NC 28405
David Rudow	officer: CFO & Treasurer	6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON NC 28405
Jeffrey W Lunsford	director	C/O WEBSIDESTORY, INC., 10182 TELESIS COURT, 6TH FLOOR, SAN DIEGO CA 92121
Pamela Kilday	director	6770 PARKER FARM DRIVE, SUITE 300, WILMINGTON, NC NC 28405
William J Ruh	director	PO BOX 1329, RANCHO SANTA FE CA 92067
Insight Sn Holdings 2, Llc	director, 10 percent owner	1114 AVENUE OF THE AMERICAS, 36TH FLOOR, NEW YORK NY 10036