company background image
NCNO logo

nCino NasdaqGS:NCNO Stock Report

Last Price

US$24.27

Market Cap

US$2.8b

7D

6.3%

1Y

-24.5%

Updated

14 May, 2025

Data

Company Financials +

nCino, Inc.

NasdaqGS:NCNO Stock Report

Market Cap: US$2.8b

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

NCNO fundamental analysis
Snowflake Score
Valuation2/6
Future Growth3/6
Past Performance0/6
Financial Health5/6
Dividends0/6

Rewards

Trading at 10.7% below our estimate of its fair value

Earnings are forecast to grow 69.11% per year

Risk Analysis

Significant insider selling over the past 3 months


Community vs My Fair Value

Create Narrative

Select a narrative for quick price alerts from the community, or create your own.

nCino, Inc. Competitors

Alkami Technology

NasdaqGS:ALKT

US$3.2b

DoubleVerify Holdings

NYSE:DV

US$2.4b

Agilysys

NasdaqGS:AGYS

US$2.3b

Riot Platforms

NasdaqCM:RIOT

US$3.2b

Price History & Performance

Summary of share price highs, lows and changes for nCino
Historical stock prices
Current Share PriceUS$24.27
52 Week HighUS$43.20
52 Week LowUS$18.75
Beta0.71
1 Month Change2.58%
3 Month Change-29.45%
1 Year Change-24.51%
3 Year Change-16.94%
5 Year Changen/a
Change since IPO-73.50%

Recent News & Updates

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

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

Recent updates

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

A Painful Day For nCino Reinforces The Problems Its Investors Face

Aug 28

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

Jul 31
Estimating The Fair Value Of nCino, Inc. (NASDAQ:NCNO)

Health Check: How Prudently Does nCino (NASDAQ:NCNO) Use Debt?

Jul 12
Health Check: How Prudently Does nCino (NASDAQ:NCNO) Use Debt?

nCino: Riding On The Long-Term Secular Tailwind

Jun 30

nCino, Inc. (NASDAQ:NCNO) Not Flying Under The Radar

May 27
nCino, Inc. (NASDAQ:NCNO) Not Flying Under The Radar

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

May 01
Calculating The Fair Value Of nCino, Inc. (NASDAQ:NCNO)

nCino Remains Drastically Overvalued Despite Stellar Results

Mar 27

Risks To Shareholder Returns Are Elevated At These Prices For nCino, Inc. (NASDAQ:NCNO)

Feb 01
Risks To Shareholder Returns Are Elevated At These Prices For nCino, Inc. (NASDAQ:NCNO)

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

Dec 27
Estimating The Intrinsic Value Of nCino, Inc. (NASDAQ:NCNO)

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

Sep 12
Is nCino, Inc. (NASDAQ:NCNO) Trading At A 25% Discount?

Shareholder Returns

NCNOUS SoftwareUS Market
7D6.3%5.7%5.1%
1Y-24.5%16.7%10.6%

Return vs Industry: NCNO underperformed the US Software industry which returned 18.2% over the past year.

Return vs Market: NCNO underperformed the US Market which returned 11.5% over the past year.

Price Volatility

Is NCNO's price volatile compared to industry and market?
NCNO volatility
NCNO Average Weekly Movement8.0%
Software Industry Average Movement9.4%
Market Average Movement8.1%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market4.2%

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

FoundedEmployeesCEOWebsite
20111,833Sean Desmondwww.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. The company offers commercial banking, consumer banking, small business banking, mortgage suite, treasury management solutions. Its solutions include, credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding, offering features like automation, centralized data, and compliance tools; and automated identity verification, helping to maintain compliance with KYC/AML regulations, and partnerships with companies like Plaid and Alloy to streamline authentication and reduce fraud.

nCino, Inc. Fundamentals Summary

How do nCino's earnings and revenue compare to its market cap?
NCNO fundamental statistics
Market capUS$2.75b
Earnings (TTM)-US$37.88m
Revenue (TTM)US$540.66m

5.2x

P/S Ratio

-73.8x

P/E Ratio

Is NCNO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NCNO income statement (TTM)
RevenueUS$540.66m
Cost of RevenueUS$215.87m
Gross ProfitUS$324.79m
Other ExpensesUS$362.67m
Earnings-US$37.88m

Last Reported Earnings

Jan 31, 2025

Next Earnings Date

May 28, 2025

Earnings per share (EPS)-0.33
Gross Margin60.07%
Net Profit Margin-7.01%
Debt/Equity Ratio15.1%

How did NCNO perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/14 05:15
End of Day Share Price 2025/05/14 00:00
Earnings2025/01/31
Annual Earnings2025/01/31

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 19 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.

AnalystInstitution
Joseph VruwinkBaird
Saket KaliaBarclays
Koji IkedaBofA Global Research