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nCino (NCNO)
NASDAQ:NCNO
NCNO Stock Chart & Stats
$24.25
-$0.15(-0.45%)
At close: 4:00 PM EST
$24.25
-$0.15(-0.45%)
Day’s Range― - ―
52-Week Range$18.75 - $35.04
Previous CloseN/A
Volume126.62K
Average Volume (3M)1.62M
Market Cap
$2.78B
Enterprise Value$2.98B
Total Cash (Recent Filing)$87.59M
Total Debt (Recent Filing)$269.37M
Price to Earnings (P/E)―
Beta1.40
Next Earnings
Mar 31, 2026EPS Estimate
0.22Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.31
Shares Outstanding114,684,970
10 Day Avg. Volume1,579,007
30 Day Avg. Volume1,620,073
Financial Highlights & Ratios
PEG Ratio7.86
Price to Book (P/B)3.60
Price to Sales (P/S)7.24
P/FCF Ratio73.37
Enterprise Value/Market Cap1.07
Enterprise Value/Revenue5.08
Enterprise Value/Gross Profit8.45
Enterprise Value/Ebitda86.05
Forecast
1Y Price Target
$34.18Price Target Upside40.95% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)0.91
Revenue Forecast (FY)$592.99M
Bulls Say, Bears Say
Bulls Say
AI MonetizationManagement disclosed that more than 110 customers have purchased Banking Advisor intelligence units, indicating initial traction for AI consumption that could drive incremental subscription revenue as adoption expands.
International And Enterprise Deal WinsStrong deal activity, including a major signing in Japan and expansion agreements with top-tier U.S. banks and a leading home builder, supports revenue diversification and cross-border growth potential.
Profitability And Subscription AccelerationSubscription revenue outperformance combined with efficiency initiatives lifted non-GAAP operating margins materially above expectations, signaling improving profitability alongside revenue acceleration.
Bears Say
Market Headwinds And RetentionA strained end-market driven by liquidity pressures and higher interest rates has slowed growth and contributed to weaker gross retention, especially within the U.S. mortgage segment.
Operating Cash Flow PressureOperating cash flow underperformance relative to expectations highlights near-term cash generation pressure that could limit discretionary investments or capital allocation flexibility.
Uncertain Sustainability Of Growth TargetsAnalysts remain cautious that core bookings momentum and nascent AI monetization may be insufficient to definitively support the company's ability to achieve its Rule-of-40 objectives, leaving durable re-acceleration unclear.
nCino News
NCNO FAQ
What was nCino’s price range in the past 12 months?
nCino lowest stock price was $18.75 and its highest was $35.04 in the past 12 months.
What is nCino’s market cap?
nCino’s market cap is $2.78B.
When is nCino’s upcoming earnings report date?
nCino’s upcoming earnings report date is Mar 31, 2026 which is in 71 days.
How were nCino’s earnings last quarter?
nCino released its earnings results on Dec 03, 2025. The company reported $0.31 earnings per share for the quarter, beating the consensus estimate of $0.207 by $0.103.
Is nCino overvalued?
According to Wall Street analysts nCino’s price is currently Undervalued.
Does nCino pay dividends?
nCino does not currently pay dividends.
What is nCino’s EPS estimate?
nCino’s EPS estimate is 0.22.
How many shares outstanding does nCino have?
nCino has 114,684,970 shares outstanding.
What happened to nCino’s price movement after its last earnings report?
nCino reported an EPS of $0.31 in its last earnings report, beating expectations of $0.207. Following the earnings report the stock price went down -4.771%.
Which hedge fund is a major shareholder of nCino?
Currently, no hedge funds are holding shares in NCNO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
nCino Stock Smart Score
Underperform
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$34.18 (40.95% Upside)
$34.18 (40.95% Upside)
Blogger Sentiment
Neutral
NCNO Sentiment 67%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Decreased
By 4.2M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.8%
Last 30 Days ▲ 8.0%
Last 30 Days ▲ 8.0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-26.26%
12-Months-Change
Fundamentals
Return on Equity
-2.04%
Trailing 12-Months
Asset Growth
2.94%
Trailing 12-Months
Company Description
nCino
nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
NCNO Company Deck
NCNO Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call presented a positive outlook with strong revenue growth, significant AI adoption and integration, and international expansion. Despite challenges in bank M&A and a decline in professional services revenue, the company showed significant margin expansion and positive customer outcomes.View all NCNO earnings summariesNCNO Revenue Breakdown
84.86% U.S.
15.14% International
NCNO Stock 12 Month Forecast
Average Price Target
$34.18
▲(40.95% Upside)
Technical Analysis
Ownership Overview
Currently, No data available
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