nCino (NCNO) Times Interest Earned (2021 - 2026)
nCino's (NCNO) quarterly Times Interest Earned came in at 2.61 in Q3 2026, up 224.82% year-over-year from 0.8 in Q3 2025, and up 291.47% quarter-over-quarter from 0.67 in Q1 2026.
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nCino (NCNO) Times Interest Earned (2021 - 2026) Analysis & Trends
nCino has disclosed Times Interest Earned across 6 years of filings, most recently posting 2.61 for Q3 2026.
- In Q3 2026, Times Interest Earned rose 224.82% year-over-year to 2.61; the TTM figure through Jul 2026 stood at 1.03 (up 185.45% YoY), while the FY2026 annual figure was 0.21, up 110.32% from the prior year.
- Times Interest Earned came in at 2.61 for Q3 2026 at nCino, up from 0.67 in the prior quarter.
- In the past five years, Times Interest Earned ranged from a high of 2.7 in Q4 2025 to a low of 55.85 in Q1 2022.
- Average Times Interest Earned over 5 years is 13.27, with a median of 4.01 recorded in 2024.
- Year-over-year, Times Interest Earned gained 0.69% in 2022 and surged 642.17% in 2025.
- Over 5 years, Times Interest Earned stood at 31.8 in 2022, then surged by 52.48% to 15.11 in 2023, then surged by 96.7% to 0.5 in 2024, then soared by 642.17% to 2.7 in 2025, then slipped by 3.39% to 2.61 in 2026.
- Per Business Quant data, the three most recent Times Interest Earned figures were 2.61 in Q3 2026, 0.67 in Q1 2026, and 2.7 in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | - |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 68.90 |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 20.16 |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | 28.51 |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | 2.61 |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | -3.68 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jul 31, 2026 | 2.61 |
| Jan 31, 2026 | 0.67 |
| Oct 31, 2025 | 2.70 |
| Jul 31, 2025 | -2.09 |
| Apr 30, 2025 | -0.34 |
| Jan 31, 2025 | -1.51 |
| Oct 31, 2024 | -0.50 |
| Jul 31, 2024 | -4.31 |
| Apr 30, 2024 | -2.48 |
| Jan 31, 2024 | -3.71 |
| Oct 31, 2023 | -15.11 |
| Jul 31, 2023 | -14.17 |
| Apr 30, 2023 | -6.26 |
| Jan 31, 2023 | -24.35 |
| Oct 31, 2022 | -31.80 |
| Jul 31, 2022 | -39.63 |
| Apr 30, 2022 | -42.68 |
| Jan 31, 2022 | -55.85 |
| Oct 31, 2021 | -33.57 |
| Jul 31, 2021 | -39.90 |