Does NCNO pay a dividend and is it safe?

nCino Inc. (NCNO) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Stock Ratings / Technology / NCNO / dividends

BLKB (61) KC (41) ASAN (52) VERX (59) ⌘ Pro Terminal →

nCino Inc. (NCNO) Dividend Safety Gauge & 10-Year DRIP Compounder

$23.16 +2.12% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.20

nCino Inc. (NCNO) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $2.45B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NCNO Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NCNO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, nCino Inc. (NASDAQ: NCNO) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $23.16 (+2.12% 1D, market cap $2.45B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 10/20. Across 715 tracked Technology issuers, NCNO ranks #214 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NCNO compare to BLKB and KC in the Technology sector?

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Within the Technology sector (Computer Software: Prepackaged Software), NCNO carries a Roarable C- (60/100 RQD), trailing P/E of N/A, gross margin of 60.6%, and ROIC of 0.2%. By comparison, BLKB (Blackbaud Inc.) holds a C- grade (61/100 RQD, P/E 20.6x, ROIC 13.3%, cap $2.45B) and KC (Kingsoft Cloud Holdings Limited) posts a D- grade (41/100 RQD, P/E N/A, ROIC -9.7%, cap $2.38B). Among the 5-stock peer group, BLKB leads on earnings multiple (20.6x) while BLKB leads on capital efficiency (13.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NCNO?

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Per NCNO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-01-31, CIK 0001902733), nCino Inc. generated $594.8M in revenue (+10.0% YoY), $9.7M in net income, and $82.6M in free cash flow against $1.65B in total assets and $213.5M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $23.20 (+0.19%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 13.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NCNO)Realized 20D OHLCV Swing Band: ±8.1%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY NCNO SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (±8.1% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+14/20 pts (23% of score)

Altman Z-Score 2.51 (WATCH ZONE (1.8–3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0.6% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$19.67+11.8% Next Q

Q2 (-2Q)

Grade C$22.00+3% Next Q

Q3 (-1Q)

Grade C$22.67+2.2% Next Q

Current

Grade C-$23.16+0.4% Hist 90D α

Trajectory: C- (52) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NCNO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, NCNO faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.68% YoY Shares) — any gross margin slip below 58.1% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.18) or 200D SMA ($18.26) invalidates the momentum regime and cuts Target Base ($23.37) toward Bear Floor ($18.23).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NCNO• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NCNO Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 60%NO 40%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,230

Est. Year-10 Shareholder Yield: $364/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.5K

Yr 2

$12.4K

Yr 3

$13.3K

Yr 4

$14.2K

Yr 5

$15.3K

Yr 6

$16.4K

Yr 7

$17.6K

Yr 8

$18.9K

Yr 9

$20.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in NCNO & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on NCNO and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NCNO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +28.95%⚡ TESTING RESISTANCE

2026-11-04O $22.68H $23.16L $22.68C $23.16VOL 1.78M

RES: $23.37SUP: $19.00SMA50: $21.18SMA200: $18.26

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NCNO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NCNO Butterfly Map → + Track NCNO →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

8.0%/yr Implied 5Y Growth

vs. +10.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NCNO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NCNO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NCNO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NCNO)

Technology Rank #214 of 715 ⚔️ BLKB vs NCNO Full Matrix →

1. Head-to-Head Technology Peer Comparison (NCNO vs. BLKB, KC, ASAN, VERX)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, nCino Inc. (NCNO) ranks #214 by composite RQD confidence (60/100, grade C-) and #270 by equity capitalization ($2.45B). Within this direct 5-issuer industry benchmark cohort, BLKB leads on earnings valuation at 20.6x trailing P/E, while BLKB leads on capital efficiency and profitability with 13.3% ROIC and 58.8% gross margin. BLKB currently holds the highest overall quantitative score in the immediate peer group at 61/100 (C-) compared with NCNO at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NCNO ACTIVE nCino Inc.	C-	60/100	—	60.6%	0.2%	+2.12%	$2.45B	Benchmark Subject
BLKB Blackbaud Inc.	C-	61/100	20.6x	58.8%	13.3%	+1.66%	$2.45B	/blkb-vs-ncno →
KC Kingsoft Cloud Holdings Limited	D-	41/100	—	15.7%	-9.7%	+2.19%	$2.38B	/kc-vs-ncno →
ASAN Asana Inc. (Class A)	D+	52/100	—	89.0%	-35.0%	-1.51%	$2.53B	/asan-vs-ncno →
VERX Vertex Inc. (Class A)	C-	59/100	—	64.3%	0.7%	+3.33%	$2.57B	/verx-vs-ncno →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-01-31 • CIK 0001902733 ↗

In its most recent audited fiscal period (FY2025, filed 2026-01-31), nCino Inc. (NCNO) reported GAAP revenue of $594.8M (+10.0% vs. FY2024 revenue of $540.7M , and +24.8% cumulative change since FY2023) , GAAP net income of $9.7M, operating cash flow of $90.1M, and free cash flow of $82.6M (+54.7% YoY). On the balance sheet, NCNO closed FY2025 with $1.65B in total assets against $213.5M in total debt (Altman Z-Score: 2.51, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-01-31	$594.8M	$9.7M	$90.1M	$82.6M	$1.65B	$213.5M
FY2024 (FY)	2025-01-31	$540.7M	-$33.0M	$55.2M	$53.4M	$1.61B	—
FY2023 (FY)	2024-01-31	$476.5M	-$43.5M	$57.3M	$57.3M	—	—

3. NCNO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NCNO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does NCNO compare to BLKB and KC in the Technology sector?

What are the biggest fundamental strengths and SEC risk factors for NCNO?

Where is NCNO trading relative to its 50-day, 200-day, and 52-week technical levels?

NCNO last traded at $23.16 (+2.12% on volume of 1,782,579 shares), positioning the stock +9.35% above its 50-day simple moving average ($21.18) and +26.83% above its 200-day simple moving average ($18.26). Across its 52-week range of $13.80 to $27.50, NCNO sits at the 68.3% percentile with a 14-day RSI of 63.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.1% ($21.28 to $25.04).

Direct Sub-Reports: NCNO RQD Cockpit NCNO 12M Forecast NCNO Earnings & Move NCNO Dividends & DRIP NCNO Insiders & 13F NCNO Whale Options NCNO Profit Sankey NCNO News & Why

ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

NCNO — nCino Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2026-01-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

nCino Inc. (NCNO) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $23.16 (+2.12% 1D, market capitalization $2.45B).

Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 0.2%, gross margin of 60.6%, operating margin of 0.6%, and free cash flow yield of 3.48%.
Whale 13F & Options Flow (15/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (14/20): Incorporates a 1.00x equity beta, Altman Z-Score of 2.51, Piotroski F-Score of 8/9, and Debt/Equity of 0.20x.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Technology sector, within the Computer Software: Prepackaged Software industry. The company carries a market capitalization of $2.4B. Per the market data, its gross margin is 60.6%, indicating a high-margin software revenue structure.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2026-01-31), nCino Inc. (NCNO) reported $594.8M in annual revenue (up from $540.7M in FY2024, +10.0% YoY) and $9.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($476.5M revenue, -$43.5M net income) through FY2025, NCNO scaled operating cash flow to $90.1M and free cash flow to $82.6M, backed by $1.65B in total assets against $213.5M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C- • RQD 60/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of 3.48% and institutional whale pillar of 15/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $13.80 – $27.50 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against 0.6% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies are recorded: the supply chain is NONE, with an empty butterfly link set and no proprietary signals. Sector classification is Technology / Computer Software: Prepackaged Software. Sector correlations, upstream suppliers, downstream customers, and 2nd-order bottlenecks are — An investor should note that the absence of mapped links means the source offers no basis for assessing ripple effects from supplier or customer disruptions.

Key Question #1: Can NCNO sustain or expand its 0.6% operating margin and 0.2% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $594.8M and free cash flow of $82.6M, how will capital allocation balance growth reinvestment against $213.5M in total debt?
Key Question #3: How sensitive is NCNO's equity valuation to Technology capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NCNO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for nCino Inc. (NCNO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NCNO Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance UK • 1d ago

nCino, Inc. (NCNO) stock price, news, quote and history

Yahoo Finance UK report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stocktwits • 1d ago

NCNO: Ncino Inc. Latest Stock Price, Analysis, News and Trading Ideas

Stocktwits report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo! Finance Canada • 1d ago

nCino, Inc. (NCNO) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 2d ago

nCino (Nasdaq:NCNO) - Stock Analysis

Simply Wall St report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE StockInvest.us • 2d ago

Ncino Stock Price Forecast. Should You Buy NCNO?

StockInvest.us report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com Nigeria • 2d ago

Ncino CEO Sean Desmond sells $150,716 of NCNO stock By Investing.com

Investing.com Nigeria report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 2d ago

An officer and director proposes selling 8,064 shares of nCino (NCNO).

Stock Titan report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST GuruFocus • 2d ago

A Look at Ncino Inc (NCNO) After 6.1% Gain -- GF Value $38.94 vs Price $21.60

GuruFocus report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NCNO Bull vs. Bear Conversation Board — What's Your Call at $23.16?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NCNO 🐻 33% BEARISH CONVICTION

MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $26.08 (+15.0%)

📌 Pinned Debate

The balance sheet and institutional flow pillars score well, with an Altman Z of 2.51, a Piotroski F of 8/9, and Debt/Equity of 0.2, wh

The balance sheet and institutional flow pillars score well, with an Altman Z of 2.51, a Piotroski F of 8/9, and Debt/Equity of 0.2, while revenue grew from $476.5M to $594.8M over two years.. When you look under the hood at NCNO, Fundamental Cash Engine is 9/20 with 60.6% gross margins and 0.2% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (15/20) has been quietly accumulating below $27.50. My 12M target is $26.08.

ArenaChamp_24 🐂 BULL

@MidwestValue Agree on the RQD 60/100 quality, though with 1.0 beta I'm scaling in with half-size at $22.68 and keeping dry powder in case we test $21.09.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $19.05 (-16.0%)

Spot @ $22.68

Returns are minimal, with ROIC at 0.2%, operating margin at 0.6%, and FY 2025 net income of only $9.7M, leaving the cash engine pillar

Careful chasing NCNO at $22.68. Returns are minimal, with ROIC at 0.2%, operating margin at 0.6%, and FY 2025 net income of only $9.7M, leaving the cash engine pillar at 9/20.. Gross margin is 60.6%, but operating margin is 0.6%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $19.05 on multiple compression.