nCino (NCNO) Stock Overview
A software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 3/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
NCNO Community Fair Values
Create NarrativeSee what 14 others think this stock is worth. Follow their fair value or set your own to get alerts.
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nCino, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$16.57 |
| 52 Week High | US$33.92 |
| 52 Week Low | US$13.80 |
| Beta | 0.60 |
| 1 Month Change | 2.73% |
| 3 Month Change | -35.37% |
| 1 Year Change | -26.65% |
| 3 Year Change | -31.16% |
| 5 Year Change | -76.53% |
| Change since IPO | -81.91% |
Recent News & Updates
Recent updates
nCino: The Picture Is Getting Better, But It's Not Cheap Enough For An Upgrade
Apr 01
Slow AI Adoption And Tough Renewals Will Eventually Reward Patient Belief In Modernization
Catalysts About nCino nCino provides a unified cloud platform that financial institutions use to manage lending, onboarding, account opening and portfolio management. What are the underlying business or industry changes driving this perspective?
AI Banking Adoption And International Expansion Will Support A Stronger Long Term Outlook
Catalysts About nCino nCino provides a unified, cloud based operating platform that helps financial institutions run lending, onboarding, account opening and portfolio management. What are the underlying business or industry changes driving this perspective?Some Confidence Is Lacking In nCino, Inc. (NASDAQ:NCNO) As Shares Slide 33%
Feb 16
Is nCino, Inc. (NASDAQ:NCNO) Trading At A 25% Discount?
Dec 01nCino (NASDAQ:NCNO) Is Making Moderate Use Of Debt
Jul 29
AI Banking And nSight Launch Will Broaden Digital Banking Services
Strategic pivot to AI banking and product enhancements are expected to drive revenue growth and improve customer retention and efficiency.Estimating The Fair Value Of nCino, Inc. (NASDAQ:NCNO)
May 06Risks Still Elevated At These Prices As nCino, Inc. (NASDAQ:NCNO) Shares Dive 28%
Apr 04Is nCino (NASDAQ:NCNO) A Risky Investment?
Mar 26nCino, Inc.: Rising Rates Heavily Impact Growth Outlook (Rating Downgrade)
Jan 15Is nCino, Inc. (NASDAQ:NCNO) Trading At A 23% Discount?
Jan 12Does nCino (NASDAQ:NCNO) Have A Healthy Balance Sheet?
Dec 03nCino: Well-Led, But Moderate Return Prospects At This Valuation
Nov 21nCino, Inc.'s (NASDAQ:NCNO) 26% Price Boost Is Out Of Tune With Revenues
Oct 26A Painful Day For nCino Reinforces The Problems Its Investors Face
Aug 28Shareholder Returns
| NCNO | US Software | US Market | |
|---|---|---|---|
| 7D | 14.4% | -1.0% | -0.3% |
| 1Y | -26.6% | -8.4% | 16.1% |
Return vs Industry: NCNO underperformed the US Software industry which returned -7.7% over the past year.
Return vs Market: NCNO underperformed the US Market which returned 16% over the past year.
Price Volatility
| NCNO volatility | |
|---|---|
| NCNO Average Weekly Movement | 8.4% |
| Software Industry Average Movement | 9.6% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: NCNO has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: NCNO's weekly volatility (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2011 | 1,833 | Sean Desmond | www.ncino.com |
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning.
nCino, Inc. Fundamentals Summary
| NCNO fundamental statistics | |
|---|---|
| Market cap | US$1.72b |
| Earnings (TTM) | US$5.18m |
| Revenue (TTM) | US$594.78m |
Is NCNO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| NCNO income statement (TTM) | |
|---|---|
| Revenue | US$594.78m |
| Cost of Revenue | US$234.61m |
| Gross Profit | US$360.17m |
| Other Expenses | US$354.99m |
| Earnings | US$5.18m |
Last Reported Earnings
Jan 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.045 |
| Gross Margin | 60.55% |
| Net Profit Margin | 0.87% |
| Debt/Equity Ratio | 20.0% |
How did NCNO perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/01 05:47 |
| End of Day Share Price | 2026/04/01 00:00 |
| Earnings | 2026/01/31 |
| Annual Earnings | 2026/01/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
nCino, Inc. is covered by 22 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Joseph Vruwink | Baird |
| Saket Kalia | Barclays |
| Koji Ikeda | BofA Global Research |