nCino (NCNO) EBT Margin (2021 - 2026)
nCino's (NCNO) quarterly EBT Margin came in at 4.92% in Q3 2026, up 1333.0% year-over-year from 0.34% in Q3 2025, and up 887.42% quarter-over-quarter from 0.5% in Q1 2026.
Analysis
nCino (NCNO) EBT Margin (2021 - 2026) Analysis & Trends
nCino has disclosed EBT Margin across 6 years of filings, most recently posting 4.92% for Q3 2026.
- In Q3 2026, EBT Margin rose 1333.0% year-over-year to 4.92%; the TTM figure through Jul 2026 stood at 0.67% (up 467.0% YoY), while the FY2026 annual figure was 1.13%, up 770.0% from the prior year.
- EBT Margin came in at 4.92% for Q3 2026 at nCino, up from 0.5% in the prior quarter.
- In the past five years, EBT Margin ranged from a high of 7.32% in Q2 2025 to a low of 41.97% in Q1 2022.
- Average EBT Margin over 5 years is 10.6%, with a median of 8.71% recorded in 2023.
- Year-over-year, EBT Margin jumped 2378 bps in 2023 and sank 1234 bps in 2025.
- Over 5 years, EBT Margin stood at 20.75% in 2022, then soared by 39 bps to 12.62% in 2023, then soared by 91 bps to 1.13% in 2024, then soared by 562 bps to 5.2% in 2025, then retreated by 5 bps to 4.92% in 2026.
- Per Business Quant data, the three most recent EBT Margin figures were 4.92% in Q3 2026, 0.5% in Q1 2026, and 5.2% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | 4.19% |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 21.70% |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 8.59% |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | 14.43% |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | 4.92% |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | -7.02% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jul 31, 2026 | 4.92% |
| Jan 31, 2026 | 0.50% |
| Oct 31, 2025 | 5.20% |
| Jul 31, 2025 | -8.41% |
| Apr 30, 2025 | 7.32% |
| Jan 31, 2025 | -13.76% |
| Oct 31, 2024 | -1.13% |
| Jul 31, 2024 | -7.00% |
| Apr 30, 2024 | -4.12% |
| Jan 31, 2024 | -1.42% |
| Oct 31, 2023 | -12.62% |
| Jul 31, 2023 | -12.40% |
| Apr 30, 2023 | -9.02% |
| Jan 31, 2023 | -18.19% |
| Oct 31, 2022 | -20.75% |
| Jul 31, 2022 | -26.72% |
| Apr 30, 2022 | -31.25% |
| Jan 31, 2022 | -41.97% |
| Oct 31, 2021 | -18.99% |
| Jul 31, 2021 | -20.71% |