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NCNO Stock Chart & Stats
$18.46
-$0.15(-0.45%)
At close: 4:00 PM EST
$18.46
-$0.15(-0.45%)
Day’s Range― - ―
52-Week Range$13.80 - $33.92
Previous CloseN/A
Volume126.62K
Average Volume (3M)3.78M
Market Cap
$1.94B
Enterprise Value$1.92B
Total Cash (Recent Filing)$102.81M
Total Debt (Recent Filing)$326.71M
Price to Earnings (P/E)136.5
Beta1.48
Next Earnings
Sep 01, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.13
Shares Outstanding109,552,950
10 Day Avg. Volume3,119,024
30 Day Avg. Volume3,784,843
Financial Highlights & Ratios
PEG Ratio-3.71
Price to Book (P/B)2.28
Price to Sales (P/S)4.05
P/FCF Ratio29.19
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue3.15
Enterprise Value/Gross Profit5.19
Enterprise Value/Ebitda26.70
Forecast
1Y Price Target
$21.78Price Target Upside17.97% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)1.27
Revenue Forecast (FY)$644.68M
Bulls Say, Bears Say
Bulls Say
Free Cash Flow StrengthConsistent and growing free cash flow provides durable financial flexibility to fund product R&D, absorb temporary revenue volatility, support buybacks, and invest in AI compute or go-to-market initiatives without relying on new debt or equity issuance.
Low Leverage / Strong Balance SheetVery low leverage and a sizable equity base give the company long-term resilience: capacity to invest in product innovation, pursue strategic initiatives or weather sector cyclicality (e.g., mortgage softness) while preserving liquidity and optionality.
Recurring SaaS Growth And Product AdoptionA high-share recurring subscription model with accelerating subscription growth, upgraded guidance, and early AI adoption improves revenue predictability and upsell potential; product-led efficiency gains can sustain margins and expand lifetime customer value.
Bears Say
Modest Profitability / Low ReturnsAlthough profitability has turned positive, margins and returns remain thin relative to capital employed. Low net margins limit the firm's ability to absorb higher costs or fund rapid scaling without sustained revenue momentum or further operational leverage.
Mortgage Revenue ExposureMaterial exposure to U.S. mortgage customers creates cyclical downside risk: weaker mortgage activity can blunt subscription growth and amplify seasonality in bookings, making durable topline expansion dependent on offsetting non-mortgage growth.
Early-stage AI Monetization & Compute CostsAI-enabled pricing and IU usage show early customer traction but remain nascent. As usage scales, third-party LLM compute costs could compress margins unless pricing, efficiency, or proprietary models offset rising external token expenses.
nCino News
NCNO FAQ
What was Ncino, Inc.’s price range in the past 12 months?
Ncino, Inc. lowest stock price was $13.80 and its highest was $33.92 in the past 12 months.
What is Ncino, Inc.’s market cap?
Ncino, Inc.’s market cap is $1.94B.
When is Ncino, Inc.’s upcoming earnings report date?
Ncino, Inc.’s upcoming earnings report date is Sep 01, 2026 which is in 56 days.
How were Ncino, Inc.’s earnings last quarter?
Ncino, Inc. released its earnings results on May 27, 2026. The company reported $0.34 earnings per share for the quarter, beating the consensus estimate of $0.278 by $0.062.
Is Ncino, Inc. overvalued?
According to Wall Street analysts Ncino, Inc.’s price is currently Undervalued.
Does Ncino, Inc. pay dividends?
Ncino, Inc. does not currently pay dividends.
What is Ncino, Inc.’s EPS estimate?
Ncino, Inc.’s EPS estimate is 0.27.
How many shares outstanding does Ncino, Inc. have?
Ncino, Inc. has 109,552,950 shares outstanding.
What happened to Ncino, Inc.’s price movement after its last earnings report?
Ncino, Inc. reported an EPS of $0.34 in its last earnings report, beating expectations of $0.278. Following the earnings report the stock price went up 4.345%.
Which hedge fund is a major shareholder of Ncino, Inc.?
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:
$21.78 (17.97% Upside)
$21.78 (17.97% Upside)
Blogger Sentiment
Bullish
NCNO Sentiment 70%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 1.1M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $32.9K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▲ 0.4%
Last 30 Days ▼ 5.1%
Last 30 Days ▼ 5.1%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-36.53%
12-Months-Change
Fundamentals
Return on Equity
1.29%
Trailing 12-Months
Asset Growth
-2.61%
Trailing 12-Months
Company Description
Ncino, Inc.
nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.
NCNO Company Deck
NCNO Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed material operational and financial progress: accelerating subscription revenues, sizable margin expansion, strong free cash flow, raised full-year guidance, meaningful AI adoption signals (transitioned ACV, >200 IU bundles, banking adviser usage surge), and productivity gains in engineering and services. Lowlights were largely tactical and timing-related: mortgage headwinds with conservative assumptions, flat professional services revenue, some expense timing that boosted Q1 operating income, and early-stage IU monetization/LLM cost risks. Overall, the positive execution and upward guidance outweigh the risks presented, though the company is taking a prudent stance on AI monetization and mortgage exposure.View all NCNO earnings summariesNCNO Revenue Breakdown
84.86% U.S.
15.14% International
NCNO Stock 12 Month Forecast
Average Price Target
$21.78
▲(17.97% Upside)
Technical Analysis
Ownership Overview
4.12% Insiders
27.54% Mutual Funds
0.07% Other Institutional Investors
50.45% Public Companies and
Individual Investors