Ncino, Inc. (DE:6NCA)
NASDAQ:6NCA
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
€1.57B
Enterprise Value€1.68B
Total Cash (Recent Filing)€102.81M
Total Debt (Recent Filing)€326.71M
Price to Earnings (P/E)130.0
Beta0.64
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-4.04
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
€19.17Price Target Upside23.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)1.05
Revenue Forecast (FY)€552.88M
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
6NCA FAQ
What was Ncino, Inc.’s price range in the past 12 months?
Ncino, Inc. lowest stock price was €12.10 and its highest was €28.40 in the past 12 months.
What is Ncino, Inc.’s market cap?
Ncino, Inc.’s market cap is €1.57B.
When is Ncino, Inc.’s upcoming earnings report date?
Ncino, Inc.’s upcoming earnings report date is Sep 01, 2026 which is in 88 days.
How were Ncino, Inc.’s earnings last quarter?
Ncino, Inc. released its earnings results on May 27, 2026. The company reported €0.292 earnings per share for the quarter, beating the consensus estimate of €0.239 by €0.053.
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 0.23.
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 €0.292 in its last earnings report, beating expectations of €0.239. Following the earnings report the stock price went up 13.077%.
Which hedge fund is a major shareholder of Ncino, Inc.?
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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10
Analyst Consensus
Moderate Buy
Average Price Target:
€19.17 (23.71% Upside)
€19.17 (23.71% Upside)
Blogger Sentiment
Bullish
DE:6NCA Sentiment 70%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €28.2K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-36.50%
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., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
6NCA Company Deck
6NCA 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 DE:6NCA earnings summaries6NCA Revenue Breakdown
84.86% U.S.
15.14% International
6NCA Stock 12 Month Forecast
Average Price Target
€19.17
▲(23.71% Upside)
Technical Analysis
Options Prices
Currently, No data available
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