6NCA Stock Chart & Stats
€15.50
-€0.40(-1.22%)
At close: 4:00 PM EST
€15.50
-€0.40(-1.22%)
Day’s Range― - ―
52-Week Range€12.10 - €28.40
Previous CloseN/A
Volume0.00
Average Volume (3M)3.00
Market Cap
€1.72B
Enterprise Value€2.15K
Total Cash (Recent Filing)€102.81M
Total Debt (Recent Filing)€326.71M
Price to Earnings (P/E)137.9
Beta0.87
Next Earnings
Sep 01, 2026EPS Estimate
0.23Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.13
Shares Outstanding109,552,950
10 Day Avg. Volume10
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
€19.04Price Target Upside22.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)1.11
Revenue Forecast (FY)€563.44M
Bulls Say, Bears Say
Bulls Say
Strong Free Cash Flow GenerationSustained positive free cash flow (TTM ~$111M) provides durable internal funding for product development, AI investments, and buybacks without needing external financing. Reliable FCF reduces capital risk, supports multi-year product rollouts and strategic flexibility through industry cycles.
Low Leverage / Strong Balance SheetVery low leverage and a large equity base give management financial flexibility to absorb cyclical shocks, fund international expansion or AI initiatives, and pursue buybacks or opportunistic investments while keeping interest expense minimal over the next several quarters.
Recurring Subscription Growth And Margin ExpansionAcceleration in subscription revenue and sizable operating margin expansion indicate scalable SaaS economics and improved operating leverage. Raised FY27 guidance reflects management confidence, and subscription-driven revenue stability supports multi-year predictability and cross-sell expansion.
Bears Say
Thin Net Margins And Low ReturnsAlthough profitable on a TTM basis, very low net margins and minimal ROE mean the company has a thin earnings buffer. This limits resilience to rising costs (e.g., compute or sales investments) and requires continued revenue/margin improvement to convert strong cash flow into higher returns on capital.
Mortgage Revenue ExposureMaterial exposure to U.S. mortgage subscriptions creates structural cyclicality: weak mortgage activity can depress recurring revenue and amplify seasonal booking concentration. Persistent mortgage softness would reduce subscription growth and pressure multi-quarter revenue visibility.
Early-stage AI Monetization And Compute-cost RiskAI-based licensing (IUs) shows initial adoption but remains immature. Monetization pace and rising LLM/compute costs could erode the improving margins unless pricing, cost pass-through, or efficiency gains scale. This structural uncertainty affects long-term margin sustainability.
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 €1.72B.
When is nCino’s upcoming earnings report date?
nCino’s upcoming earnings report date is Sep 01, 2026 which is in 41 days.
How were nCino’s earnings last quarter?
nCino released its earnings results on May 27, 2026. The company reported €0.297 earnings per share for the quarter, beating the consensus estimate of €0.242 by €0.054.
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 0.23.
How many shares outstanding does nCino have?
nCino has 109,552,950 shares outstanding.
What happened to nCino’s price movement after its last earnings report?
nCino reported an EPS of €0.297 in its last earnings report, beating expectations of €0.242. Following the earnings report the stock price went up 13.077%.
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
Underperform
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5
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7
8
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10
Analyst Consensus
Moderate Buy
Average Price Target:
€19.04 (22.81% Upside)
€19.04 (22.81% Upside)
Blogger Sentiment
Bullish
DE:6NCA Sentiment 70%
Sector Average 64%
Sector Average 64%
Insider Transactions
Sold Shares
Worth €28.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-41.42%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-2.61%
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 Revenue Breakdown
84.86% U.S.
15.14% International

6NCA Stock 12 Month Forecast
Average Price Target
€19.04
▲(22.81% Upside)










