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NCNO Stock Chart & Stats
$21.51
$1.09(6.58%)
At close: 4:00 PM EDT
$21.51
$1.09(6.58%)
Day’s Range― - ―
52-Week Range$13.80 - $27.50
Previous Close$17.65
Volume2.82M
Average Volume (3M)2.07M
Market Cap
$2.17B
Enterprise Value$2.22B
Total Cash (Recent Filing)$83.29M
Total Debt (Recent Filing)$338.63M
Price to Earnings (P/E)66.2
Beta1.57
Next Earnings
Dec 02, 2026EPS Estimate
0.33Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.31
Shares Outstanding105,736,176
10 Day Avg. Volume1,743,813
30 Day Avg. Volume2,067,121
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 Cap1.02
Enterprise Value/Revenue3.56
Enterprise Value/Gross Profit5.79
Enterprise Value/Ebitda23.95
Forecast
1Y Price Target
$23.90Price Target Upside11.11% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering12
EPS Forecast (FY)1.31
Revenue Forecast (FY)$646.13M
Bulls Say, Bears Say
Bulls Say
Recurring SaaS ModelSubscription arrangements create recurring revenue visibility, while customers can expand through additional users, modules, and enterprise-wide rollouts. This model supports retention-driven growth and gives nCino opportunities to increase revenue per customer over multiple quarters.
Growth And Margin ExpansionManagement’s raised outlook indicates that growth is broad enough to support improving operating leverage, not merely higher sales. Expansion in non-mortgage activity and projected income growth could strengthen earnings power as the platform scales across customers and geographies.
Cash Generation And Balance SheetStrong cash conversion combined with very low debt gives nCino financial flexibility to invest in product development, support customer expansion, or return capital. The balance sheet also reduces pressure from financing needs while profitability continues to mature.
Bears Say
Mortgage And IMB ExposureExposure to the U.S. mortgage and independent mortgage bank market remains a meaningful source of revenue pressure. Higher-for-longer mortgage rates and customer churn could constrain growth, reduce visibility, and offset stronger performance in other customer segments.
AI Monetization TimingAI adoption has commercial promise, but delayed movement from testing to production can postpone revenue from intelligence-unit consumption. Because regulated financial institutions often require additional controls and approvals, monetization may develop more slowly than product usage.
Early-stage ProfitabilityAlthough profitability has improved, the current operating margin leaves less cushion if growth slows or investment needs rise. nCino still has to demonstrate that margin expansion can persist after the recent inflection and become structurally stronger over time.
nCino News
NCNO FAQ
What was nCino’s price range in the past 12 months?
nCino lowest stock price was $13.80 and its highest was $27.50 in the past 12 months.
What is nCino’s market cap?
nCino’s market cap is $2.17B.
When is nCino’s upcoming earnings report date?
nCino’s upcoming earnings report date is Dec 02, 2026 which is in 44 days.
How were nCino’s earnings last quarter?
nCino released its earnings results on Aug 25, 2026. The company reported $0.314 earnings per share for the quarter, beating the consensus estimate of $0.266 by $0.048.
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 0.33.
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 $0.314 in its last earnings report, beating expectations of $0.266. Following the earnings report the stock price went up 3.364%.
Which hedge fund is a major shareholder of nCino?
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
Neutral
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$23.90 (11.11% Upside)
$23.90 (11.11% Upside)
Blogger Sentiment
Bullish
NCNO Sentiment 71%
Sector Average 65%
Sector Average 65%
Hedge Fund Trend
Decreased
By 2.0M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $15.7K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▲ 0.9%
Last 30 Days ▼ 3.2%
Last 30 Days ▼ 3.2%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-14.71%
12-Months-Change
Fundamentals
Return on Equity
3.36%
Trailing 12-Months
Asset Growth
-2.74%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
NCNO Company Deck
NCNO 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 NCNO earnings summariesNCNO Revenue Breakdown
84.86% U.S.
15.14% International
NCNO Stock 12 Month Forecast
Average Price Target
$23.90
▲(11.11% Upside)
Technical Analysis
Ownership Overview
3.96% Insiders
28.54% Mutual Funds
0.03% Other Institutional Investors
45.77% Public Companies and
Individual Investors