nCino (NCNO1) Stock Price & Analysis
NCNO1 Stock Chart & Stats
- Day’s Range
- MXN 277.00 - MXN 277.00
- 52-Week Range
- MXN 277.00 - MXN 575.00
- Previous Close
- MXN 277.00
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 45.05B
- Enterprise Value
- MXN 2.22B
- Total Cash (Recent Filing)
- MXN 83.29M
- Total Debt (Recent Filing)
- MXN 338.63M
- Price to Earnings (P/E)
- 73.2
- Beta
- 0.06
- Next Earnings
- Dec 02, 2026 (Est.)
- EPS Estimate
- 6.22
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Recurring SaaS Revenue
Subscription arrangements create recurring revenue that can become more durable as financial institutions add users, modules and enterprise-wide deployments. The platform’s role across lending, onboarding and workflow automation may also deepen customer integration and support retention.
Strong Cash Generation
Positive operating and free cash flow after earlier losses indicates that nCino is converting its expanding business into internally generated funding. This supports product investment, implementation capacity and financial resilience while reducing reliance on external capital.
Growth And Margin Expansion
Raised guidance combines continued subscription growth with substantial operating leverage, suggesting the business can scale more efficiently as revenue expands. If delivered, stronger margins and cash flow would improve the company’s ability to fund innovation and reinforce its competitive position.
Bears Say
Mortgage Segment Pressure
Weakness in U.S. mortgage banking is a direct pressure on subscription revenue and creates uncertainty around customer retention in that segment. Management’s reduced forecasts and expected IMB churn could limit consolidated growth until mortgage demand and customer stability improve.
Modest Operating Profitability
The profitability inflection is encouraging, but a still-modest EBIT margin leaves less cushion than a mature, highly scaled software model would provide. Sustained execution is needed to convert healthy gross margins and revenue growth into durable operating leverage.
AI Monetization Timing
AI adoption may strengthen the platform over time, but delayed movement from testing to production postpones revenue realization from intelligence-unit consumption. Continued customer governance and security review could therefore make the timing of AI monetization uneven.
nCino News
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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.
- Sector
- Technology
- Industry
- Software - Application
- CEO
- Sean Desmond
- Employees
- 1,684
- Website
- www.ncino.com
- Address
- 6770 Parker Farm Drive, Wilmington, NC, 28405, US
nCino (NCNO1) Earnings & Revenues
NCNO1 Company Deck
NCNO1 Earnings Call
Earnings Call SentimentPositive
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 MX:NCNO1 earnings summariesNCNO1 Net sales Breakdown
- 84.86% U.S.
- 15.14% International
NCNO1 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 0 | 12 |
| Technical Analysis | 3 | 0 | 2 |
| Moving Averages | 2 | 0 | 10 |