nCino (NCNO) FCF Margin (2021 - 2026)
nCino's (NCNO) quarterly FCF Margin came in at 8.34% in Q1 2026, up 1567.0% year-over-year from 0.5% in Q1 2025, and up 159.04% quarter-over-quarter from 3.22% in Q4 2025.
Analysis
nCino (NCNO) FCF Margin (2021 - 2026) Analysis & Trends
nCino has disclosed FCF Margin across 6 years of filings, most recently posting 8.34% for Q1 2026.
- In Q1 2026, FCF Margin rose 1567.0% year-over-year to 8.34%; the TTM figure through Jan 2026 stood at 13.88% (up 401.0% YoY), while the FY2026 annual figure was 13.88%, up 401.0% from the prior year.
- FCF Margin came in at 8.34% for Q1 2026 at nCino, up from 3.22% in the prior quarter.
- In the past five years, FCF Margin ranged from a high of 42.24% in Q2 2024 to a low of 34.56% in Q1 2022.
- Average FCF Margin over 5 years is 4.63%, with a median of 4.31% recorded in 2023.
- Year-over-year, FCF Margin surged 3097 bps in 2023 and slumped 1357 bps in 2025.
- Over 5 years, FCF Margin stood at 9.06% in 2022, then soared by 148 bps to 4.31% in 2023, then fell by 15 bps to 3.67% in 2024, then decreased by 12 bps to 3.22% in 2025, then jumped by 159 bps to 8.34% in 2026.
- Per Business Quant data, the three most recent FCF Margin figures were 8.34% in Q1 2026, 3.22% in Q4 2025, and 8.93% in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | -179.53% |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 40.13% |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 38.60% |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | 24.47% |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | - |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | 15.51% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jan 31, 2026 | 8.34% |
| Oct 31, 2025 | 3.22% |
| Jul 31, 2025 | 8.93% |
| Apr 30, 2025 | 36.00% |
| Jan 31, 2025 | -7.33% |
| Oct 31, 2024 | 3.67% |
| Jul 31, 2024 | 3.44% |
| Apr 30, 2024 | 42.24% |
| Jan 31, 2024 | 6.24% |
| Oct 31, 2023 | 4.31% |
| Jul 31, 2023 | 9.47% |
| Apr 30, 2023 | 26.13% |
| Jan 31, 2023 | -23.44% |
| Oct 31, 2022 | -9.06% |
| Jul 31, 2022 | 6.00% |
| Apr 30, 2022 | -4.84% |
| Jan 31, 2022 | -34.56% |
| Oct 31, 2021 | -18.66% |
| Jul 31, 2021 | 10.26% |
| Apr 30, 2021 | 2.72% |