6NCA Stock Chart & Stats
€16.30
€0.10(0.62%)
At close: 4:00 PM EDT
€16.30
€0.10(0.62%)
Day’s Range― - ―
52-Week Range€12.10 - €28.40
Previous CloseN/A
Volume0.00
Average Volume (3M)3.00
Market Cap
€1.95B
Enterprise Value€2.22K
Total Cash (Recent Filing)€83.29M
Total Debt (Recent Filing)€338.63M
Price to Earnings (P/E)75.2
Beta0.94
Next Earnings
Dec 02, 2026EPS Estimate
0.28Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.31
Shares Outstanding105,736,176
10 Day Avg. Volume0
30 Day Avg. Volume3
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€20.07Price Target Upside23.15% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)1.09
Revenue Forecast (FY)€552.43M
Bulls Say, Bears Say
Bulls Say
Platform AdoptionBroad platform adoption and successful enterprise renewals can deepen customer entrenchment, support recurring revenue expansion, and improve pricing power as banks adopt more nCino modules.
Cash GenerationStrong and improving free cash flow gives nCino resources to fund product development, AI investment, and customer expansion while reducing reliance on external financing.
Balance Sheet StrengthVery low leverage and substantial equity provide financial flexibility to withstand sector volatility, invest through slower periods, and pursue growth without significant balance-sheet strain.
Bears Say
Mortgage ExposureExposure to mortgage lenders remains a structural drag because prolonged high rates and independent mortgage bank consolidation can reduce customer demand, increase churn, and constrain overall subscription growth.
AI Monetization TimingRegulated financial institutions may take longer to approve AI for production use, delaying consumption-based revenue conversion and making the timing of AI monetization less predictable over the next several quarters.
Early-Stage ProfitabilityAlthough profitability is improving, operating margins remain modest for a software model and lower professional-services revenue may limit near-term growth, leaving further margin scaling dependent on disciplined execution.
6NCA FAQ
What was nCino’s price range in the past 12 months?
nCino lowest stock price was €12.10 and its highest was €28.40 in the past 12 months.
What is nCino’s market cap?
nCino’s market cap is €1.95B.
When is nCino’s upcoming earnings report date?
nCino’s upcoming earnings report date is Dec 02, 2026 which is in 96 days.
How were nCino’s earnings last quarter?
nCino released its earnings results on Aug 25, 2026. The company reported €0.27 earnings per share for the quarter, beating the consensus estimate of €0.228 by €0.041.
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 0.28.
How many shares outstanding does nCino have?
nCino has 105,736,176 shares outstanding.
What happened to nCino’s price movement after its last earnings report?
nCino reported an EPS of €0.27 in its last earnings report, beating expectations of €0.228. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of nCino?
Currently, no hedge funds are holding shares in DE:6NCA
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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
€20.07 (23.15% Upside)
€20.07 (23.15% Upside)
Blogger Sentiment
Bullish
DE:6NCA Sentiment 67%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 92%
Bearish news 8%
Bearish news 8%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-45.98%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-2.74%
Trailing 12-Months
Company Description
nCino
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.
6NCA Company Deck
6NCA Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted broad-based operational and financial strength: revenue and subscription growth, significant improvement in operating income and free cash flow, active share repurchases, international momentum, and tangible customer ROI from AI features. Management raised FY27 guidance and emphasized accelerating AI adoption and platform conversions (48% ACV on platform pricing). Principal negatives are concentrated in the U.S. mortgage/IMB segment (modest revenue decline, higher churn) and timing delays converting AI sandbox usage into production revenue. Overall, the positives — strong growth outside mortgage, margin expansion, cash generation, platform traction and AI monetization progress — substantially outweigh the mortgage-specific headwinds.View all DE:6NCA earnings summaries6NCA Revenue Breakdown
84.86% U.S.
15.14% International

6NCA Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€20.07
▲(23.15% Upside)
Technical Analysis
1 Day
3 Days
1 Week
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