nCino, Inc.

NasdaqGS:NCNO Stock Report

Market Cap: US$2.1b

nCino Future Growth

Future criteria checks 3/6

nCino is forecast to grow earnings and revenue by 56.6% and 8.1% per annum respectively. EPS is expected to grow by 56.9% per annum. Return on equity is forecast to be 15.5% in 3 years.

Key information

56.6%

Earnings growth rate

56.92%

EPS growth rate

Software earnings growth18.5%
Revenue growth rate8.1%
Future return on equity15.47%
Analyst coverage

Good

Last updated02 Apr 2026

Recent future growth 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
Some Confidence Is Lacking In nCino, Inc. (NASDAQ:NCNO) As Shares Slide 33%

Is nCino, Inc. (NASDAQ:NCNO) Trading At A 25% Discount?

Dec 01
Is nCino, Inc. (NASDAQ:NCNO) Trading At A 25% Discount?

nCino (NASDAQ:NCNO) Is Making Moderate Use Of Debt

Jul 29
nCino (NASDAQ:NCNO) Is Making Moderate Use Of Debt
User avatar

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 06
Estimating The Fair Value Of nCino, Inc. (NASDAQ:NCNO)

Risks Still Elevated At These Prices As nCino, Inc. (NASDAQ:NCNO) Shares Dive 28%

Apr 04
Risks Still Elevated At These Prices As nCino, Inc. (NASDAQ:NCNO) Shares Dive 28%

Is nCino (NASDAQ:NCNO) A Risky Investment?

Mar 26
Is nCino (NASDAQ:NCNO) A Risky Investment?

nCino, Inc.: Rising Rates Heavily Impact Growth Outlook (Rating Downgrade)

Jan 15

Is nCino, Inc. (NASDAQ:NCNO) Trading At A 23% Discount?

Jan 12
Is nCino, Inc. (NASDAQ:NCNO) Trading At A 23% Discount?

Does nCino (NASDAQ:NCNO) Have A Healthy Balance Sheet?

Dec 03
Does nCino (NASDAQ:NCNO) Have A Healthy Balance Sheet?

nCino: Well-Led, But Moderate Return Prospects At This Valuation

Nov 21

nCino, Inc.'s (NASDAQ:NCNO) 26% Price Boost Is Out Of Tune With Revenues

Oct 26
nCino, Inc.'s (NASDAQ:NCNO) 26% Price Boost Is Out Of Tune With Revenues

Earnings and Revenue Growth Forecasts

NasdaqGS:NCNO - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
1/31/20297651121811875
1/31/20286985716517516
1/31/20276422913514116
1/31/202659558390N/A
10/31/2025586-226067N/A
7/31/2025573-346068N/A
4/30/2025557-295255N/A
1/31/2025541-385355N/A
10/31/2024523-187173N/A
7/31/2024506-297173N/A
4/30/2024491-347880N/A
1/31/2024477-425357N/A
10/31/2023462-651927N/A
7/31/2023445-72517N/A
4/30/2023428-83-115N/A
1/31/2023408-103-34-15N/A
10/31/2022374-89-31-14N/A
7/31/2022339-79-43-29N/A
4/30/2022306-65-35-26N/A
1/31/2022274-49-25-19N/A
10/31/2021255-54-14-10N/A
7/31/2021240-50-4-2N/A
4/30/2021222-5158N/A
1/31/2021204-4159N/A
10/31/2020186-38410N/A
7/31/2020170-35612N/A
4/30/2020153-29-12-5N/A
1/31/2020138-28-15-9N/A
1/31/201992-22N/A-5N/A
1/31/201858-19N/A-16N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: NCNO's forecast earnings growth (56.6% per year) is above the savings rate (3.4%).

Earnings vs Market: NCNO's earnings (56.6% per year) are forecast to grow faster than the US market (15.5% per year).

High Growth Earnings: NCNO's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: NCNO's revenue (8.1% per year) is forecast to grow slower than the US market (10.4% per year).

High Growth Revenue: NCNO's revenue (8.1% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: NCNO's Return on Equity is forecast to be low in 3 years time (15.5%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/08 07:10
End of Day Share Price 2026/04/08 00:00
Earnings2026/01/31
Annual Earnings2026/01/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Joseph VruwinkBaird
Saket KaliaBarclays
Koji IkedaBofA Global Research