nCino (NCNO)
NASDAQ:NCNO
NCNO Stock Chart & Stats
$17.13
-$0.15(-0.45%)
At close: 4:00 PM EST
$17.13
-$0.15(-0.45%)
Day’s Range― - ―
52-Week Range$13.80 - $33.92
Previous CloseN/A
Volume126.62K
Average Volume (3M)2.92M
Market Cap
$2.00B
Enterprise Value$2.17B
Total Cash (Recent Filing)$88.37M
Total Debt (Recent Filing)$278.69M
Price to Earnings (P/E)465.3
Beta1.52
Next Earnings
Jun 03, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.37
Shares Outstanding114,534,700
10 Day Avg. Volume4,593,894
30 Day Avg. Volume2,917,396
Financial Highlights & Ratios
PEG Ratio-4.04
Price to Book (P/B)2.28
Price to Sales (P/S)4.05
P/FCF Ratio29.19
Enterprise Value/Market Cap1.09
Enterprise Value/Revenue3.66
Enterprise Value/Gross Profit6.04
Enterprise Value/Ebitda40.26
Forecast
1Y Price Target
$23.36Price Target Upside36.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)1.17
Revenue Forecast (FY)$641.75M
Bulls Say, Bears Say
Bulls Say
AI Product AdoptionStrong early adoption of the Banking Advisor and other AI features is driving customers to purchase usage credits and accelerate renewals, supporting higher subscription monetization.
International ExpansionRecord gross bookings and new enterprise wins across Europe and Asia signal growing global momentum that can expand the addressable market and lift revenue growth.
Pricing Model TransitionTransition from seat-based to asset- and platform-based pricing is shifting a larger portion of contract value onto platform pricing, increasing pricing power and boosting annual contract value growth.
Bears Say
Near-term Subscription HeadwindsOrganic subscription revenue growth excluding mortgage slowed partly due to an international contract buyout, creating near-term revenue pressure until recurring sales reaccelerate.
Revenue Composition UncertaintyUncertainty about how much future subscription growth will come from asset-based pricing versus adoption of Banking Advisor creates ambiguity for revenue forecasts and investor confidence.
Valuation SensitivityCurrent share valuation appears to reflect the company's outlook, meaning the stock may require clear, sustained growth acceleration before investors reward a higher valuation.
nCino News
NCNO FAQ
What was nCino’s price range in the past 12 months?
nCino lowest stock price was $13.80 and its highest was $33.92 in the past 12 months.
What is nCino’s market cap?
nCino’s market cap is $2.00B.
When is nCino’s upcoming earnings report date?
nCino’s upcoming earnings report date is Jun 03, 2026 which is in 50 days.
How were nCino’s earnings last quarter?
nCino released its earnings results on Mar 31, 2026. The company reported $0.37 earnings per share for the quarter, beating the consensus estimate of $0.215 by $0.155.
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 0.27.
How many shares outstanding does nCino have?
nCino has 114,534,700 shares outstanding.
What happened to nCino’s price movement after its last earnings report?
nCino reported an EPS of $0.37 in its last earnings report, beating expectations of $0.215. Following the earnings report the stock price went up 10.614%.
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
Outperform
1
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7
8
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$23.36 (36.37% Upside)
$23.36 (36.37% Upside)
Blogger Sentiment
Bullish
NCNO Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 2.9M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 4.8%
Last 30 Days ▲ 11.5%
Last 30 Days ▲ 11.5%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-25.42%
12-Months-Change
Fundamentals
Return on Equity
0.49%
Trailing 12-Months
Asset Growth
2.34%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call reflects a materially positive operational and financial inflection: strong ACV growth (+17%), improved retention (112%), accelerating subscription revenue and total revenue growth, expanding profitability (non-GAAP operating income and net income improvements) and significantly improved free cash flow (+55% YoY). AI adoption and platform pricing transition (38% ACV) are cited as durable growth drivers and competitive moats supported by a large anonymized dataset. Pressure points include a near-term international Q4 comp, flat professional services revenue, conservative mortgage assumptions in guidance, and the inherent unpredictability of large deal timing. Management has enacted active capital return (share repurchases) and reiterated FY27 guidance that anticipates continued growth and substantial free cash flow expansion.View all NCNO earnings summariesNCNO Revenue Breakdown
84.86% U.S.
15.14% International
NCNO Stock 12 Month Forecast
Average Price Target
$23.36
▲(36.37% Upside)
Technical Analysis
Ownership Overview
Currently, No data available
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