CIK 1566895

nCino OpCo, Inc.

CIK 0001566895 · EDGAR ↗

cleanelevatedtriggeredno dataplanned

56.0

composite · 3 signals · ELEVATED

Every card below shows the score and the exact filing data it was computed from — no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded — never a guess.

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Signals

P-13 · FY 2021-01-31 · ELEVATED70.0

Zombie / distress

Interest coverage -327.75x below 1.0

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2021-03-31) ↗

Evidence — inputs and thresholds

{
  "icr_by_year": {
    "2021-01-31": -327.754,
    "2020-01-31": null,
    "2019-01-31": null
  },
  "consecutive_years_below_1": 1,
  "altman_z_double_prime": 5.683,
  "definitions": {
    "zombie": "ICR<1 for 3+ consecutive FYs (BIS 2018)",
    "z_distress": "<1.1 distress, 1.1-2.6 gray, >2.6 safe"
  },
  "inputs": {
    "ebit_t": -42608000,
    "interest_expense_t": 130000
  },
  "stale": false,
  "latest_filing_period": "2021-01-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1566895/000156689521000007/0001566895-21-000007-index.htm",
    "form": "10-K",
    "filed": "2021-03-31"
  }
}

P-01 · FY 2021-01-31 · CLEAN28.8

Earnings quality

Beneish M-Score -2.49 — no manipulation profile

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2021-03-31) ↗

Evidence — inputs and thresholds

{
  "m_score": -2.491,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 1.098,
    "GMI": 0.943,
    "AQI": 0.443,
    "SGI": 1.478,
    "DEPI": 1.282,
    "SGAI": 1,
    "LVGI": 0.671,
    "TATA": -0.088
  },
  "defaulted_to_neutral": [
    "SGAI"
  ],
  "sloan_accruals": -0.1223,
  "inputs": {
    "revenue_t": 204293000,
    "revenue_t1": 138180000,
    "total_assets_t": 563401000,
    "net_income_t": -40536000,
    "cfo_t": 9222000
  },
  "stale": false,
  "latest_filing_period": "2021-01-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1566895/000156689521000007/0001566895-21-000007-index.htm",
    "form": "10-K",
    "filed": "2021-03-31"
  }
}

P-12 · FY 2021-01-31 · CLEAN6.3

Restatement predictor

F-Score 0.19 — at or below the population base rate

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2021-03-31) ↗

Evidence — inputs and thresholds

{
  "f_score": 0.188,
  "probability": 0.0007,
  "components": {
    "rsst": -0.1223,
    "drec": 0.0524,
    "dinv": null,
    "soft": 0.2876,
    "dcs": 0.3242,
    "droa": 0.0384,
    "issue": 0
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2021-01-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1566895/000156689521000007/0001566895-21-000007-index.htm",
    "form": "10-K",
    "filed": "2021-03-31"
  }
}