Ncino, Inc. (NCNO)
NASDAQ:NCNO
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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)3.66M
Market Cap
$1.68B
Enterprise Value$1.68B
Total Cash (Recent Filing)$102.81M
Total Debt (Recent Filing)$326.71M
Price to Earnings (P/E)120.6
Beta1.51
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. Volume3,558,660
30 Day Avg. Volume3,657,068
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 Cap1.00
Enterprise Value/Revenue2.76
Enterprise Value/Gross Profit4.54
Enterprise Value/Ebitda23.37
Forecast
1Y Price Target
$22.27Price Target Upside20.65% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)1.26
Revenue Forecast (FY)$644.49M
Bulls Say, Bears Say
Bulls Say
Recurring Subscription Growth & Raised GuidanceSustained subscription growth and a raised full-year subscription revenue guide indicate durable recurring revenue expansion. A larger base improves predictability, supports higher ACV, and enables upsell/cross-sell economics that strengthen long-term revenue visibility and customer lifetime value.
Improving Cash Generation And FCFConsistent positive free cash flow and strong YoY FCF growth provide durable financial flexibility. Reliable cash generation funds R&D, international expansion, and selective capital returns without diluting equity, reducing funding risk and supporting scalable product investment over multiple years.
Low Leverage And Flexible Balance SheetVery low leverage and a solid equity base create long-term financial optionality. Low interest burden and ample equity allow nCino to invest in product development, pursue strategic deals, or absorb short-term shocks while maintaining balance-sheet resilience and funding optionality.
Bears Say
Modest Margins And ReturnsDespite scale and improving profitability, margins and returns remain low versus SaaS peers. Modest net and EBITDA margins limit cushion against cost shocks and reduce reinvestment efficiency, making long-term return on capital sensitive to margin pressure or slower revenue growth.
Mortgage Exposure And SeasonalityConcentration in mortgage workflows and seasonal booking concentration create structural revenue volatility. Prolonged mortgage weakness or concentrated booking cycles can depress recurring revenue growth trajectories and complicate capacity planning and predictable margin expansion over time.
Early-stage AI Monetization And Compute Cost RiskAI adoption shows strong usage but monetization is nascent and compute costs are material. If intelligence-unit pricing, usage growth, or third-party LLM costs evolve unfavorably, margin dilution could occur. Long-term profitability depends on successful pricing, cost pass-through, and engineering efficiency.
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 $1.68B.
When is Ncino, Inc.’s upcoming earnings report date?
Ncino, Inc.’s upcoming earnings report date is Sep 01, 2026 which is in 77 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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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$22.27 (20.65% Upside)
$22.27 (20.65% Upside)
Blogger Sentiment
Bullish
NCNO Sentiment 70%
Sector Average ―
Sector Average ―
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
Negative
Last 7 Days ▼ 2.4%
Last 30 Days ▲ 0.2%
Last 30 Days ▲ 0.2%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-45.38%
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
$22.27
▲(20.65% Upside)
Technical Analysis
Ownership Overview
3.89% Insiders
36.19% Mutual Funds
22.86% Other Institutional Investors
22.38% Public Companies and
Individual Investors