Want to see NCNO full AI Analyst Report?
NCNO Stock Chart & Stats
$16.56
$1.09(6.58%)
At close: 4:00 PM EDT
$16.56
$1.09(6.58%)
Day’s Range― - ―
52-Week Range$13.80 - $33.92
Previous Close$17.65
Volume2.82M
Average Volume (3M)3.28M
Market Cap
$2.22B
Enterprise Value$2.15K
Total Cash (Recent Filing)$102.81M
Total Debt (Recent Filing)$326.71M
Price to Earnings (P/E)157.2
Beta1.50
Next Earnings
Aug 25, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.13
Shares Outstanding109,552,950
10 Day Avg. Volume1,977,186
30 Day Avg. Volume3,275,891
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$21.63Price Target Upside30.59% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)1.27
Revenue Forecast (FY)$644.69M
Bulls Say, Bears Say
Bulls Say
Recurring Subscription Growth And Raised GuidanceSubscription growth and higher full-year guidance indicate continued customer adoption and expansion of nCino’s recurring SaaS base. This supports revenue visibility over the next several quarters, while the ex-mortgage growth outlook shows broader platform momentum.
Strong And Improving Cash GenerationConsistently positive and expanding free cash flow strengthens nCino’s ability to fund product development, implementation investments and strategic initiatives internally. Healthy cash conversion also improves resilience as the company continues scaling toward stronger profitability.
AI Adoption And Platform ProductivityBroad adoption of AI-linked pricing and intelligence-unit bundles can deepen customer integration and create future expansion opportunities within the installed base. Reported gains in usage and engineering productivity may also improve the platform’s long-term scalability.
Bears Say
Profitability Remains ThinAlthough nCino has reached positive net income, margins and returns on equity remain modest relative to the size of its revenue and capital base. This leaves limited protection against slower growth, higher operating costs or investment requirements.
Mortgage Exposure Creates Growth PressureMortgage remains a meaningful area of exposure and is expected to be a drag during the tougher Q2–Q3 periods. Prolonged weakness could constrain subscription growth and require stronger performance from commercial, consumer and international products.
AI Monetization And Compute-cost UncertaintyAI adoption has not yet translated into fully reflected revenue guidance, so the timing and scale of monetization remain uncertain. Rising inference and token costs could also offset some benefits from higher usage unless pricing and infrastructure efficiency improve.
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 $2.22B.
When is Ncino, Inc.’s upcoming earnings report date?
Ncino, Inc.’s upcoming earnings report date is Aug 25, 2026 which is in 5 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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$21.63 (30.59% Upside)
$21.63 (30.59% Upside)
Blogger Sentiment
Bullish
NCNO Sentiment 80%
Sector Average 59%
Sector Average 59%
Hedge Fund Trend
Decreased
By 1.1M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days ▲ 1.9%
Last 30 Days ▼ 1.6%
Last 30 Days ▼ 1.6%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-45.98%
12-Months-Change
Fundamentals
Return on Equity
―
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
$21.63
▲(30.59% Upside)
Technical Analysis
Ownership Overview
4.07% Insiders
27.54% Mutual Funds
45.26% Other Institutional Investors
4.58% Public Companies and
Individual Investors