nCino Zukünftiges Wachstum
Future Kriterienprüfungen 3/6
nCino wird ein jährliches Gewinn- und Umsatzwachstum von 43% bzw. 8.1% prognostiziert. Der Gewinn pro Aktie wird voraussichtlich wachsen um 42.9% pro Jahr. Die Eigenkapitalrendite wird in 3 Jahren voraussichtlich 16% betragen.
Wichtige Informationen
43.0%
Wachstumsrate der Gewinne
42.93%
EPS-Wachstumsrate
| Software Gewinnwachstum | 20.7% |
| Wachstumsrate der Einnahmen | 8.1% |
| Zukünftige Eigenkapitalrendite | 16.01% |
| Analystenabdeckung | Good |
| Zuletzt aktualisiert | 26 Aug 2026 |
Jüngste Aktualisierungen zum künftigen Wachstum
Recent updates
Seeking Alpha • Aug 27
nCino: Despite A Strong Quarter, The Stock Is Too Expensive
Summary nCino delivered strong Q2 FY2027 results, with revenue and EPS surpassing analyst expectations and notable operational improvements across profitability metrics. NCNO's revenue growth was driven mainly by existing customers expanding platform usage, though new customer acquisition contributed 34.1% of subscription growth. Management guides FY2027 revenue to $644–$647 million and free cash flow to $137–$142 million, reflecting continued momentum and improved cash generation. I reaffirm a 'hold' rating due to elevated valuation, particularly on an EV/EBITDA basis, and concerns over aggressive share buybacks at current price levels. Read the full article on Seeking Alpha
Narrative-Update • Aug 26
NCNO: AI Progress Outside Mortgage Will Test Current Market Optimism
nCino's fair value estimate has been lifted by about $1.06 to $18.06 as analysts point to higher price targets following solid Q2 execution outside U.S. mortgage, progress on the new pricing model, and a view that the business is relatively well positioned on AI risk within banking software. Analyst Commentary Recent research on nCino reflects a mix of optimism around execution and pricing progress and some caution on how much of that story is already reflected in the valuation.Narrative-Update • Jul 10
NCNO: AI Integration And Client Wins Will Shape Balanced Risk Outlook
Analysts have reset expectations on nCino with the average price target moving to $17, reflecting updated views on AI related risks and opportunities across banking technology and digital banking coverage. Analyst Commentary on nCino Recent research on nCino shows a mix of cautious and balanced views as analysts reassess AI related risks, competitive positioning, and long term growth assumptions.
Narrative-Update • Jun 26
NCNO: AI Execution And Renewed Customer Deals Will Unlock Future Upside
Analysts now estimate nCino’s fair value closer to $28, down from $41. This reflects a combination of reduced profit margin and P/E assumptions, along with more cautious expectations for AI-driven upside.Analyseartikel • Jun 16
nCino (NCNO) Stock After Earnings Beat And AI Confidence A Fresh Look At Valuation
nCino (NCNO) is back in focus after quarterly revenue came in above analyst expectations, and management underscored rising customer confidence in its AI product approach and long term technology partnerships. See our latest analysis for nCino. Despite the upbeat quarterly update and growing interest in nCino's AI roadmap, the stock has slipped recently, with the share price down 40.2% year to date and the 1 year total shareholder return down 45.2%. This points to fading momentum as investors...
Narrative-Update • Jun 12
NCNO: AI Adoption And New Banking Wins Will Support Future Repricing
Analysts have trimmed the nCino price target from about $23.31 to $23.08, reflecting updated assumptions around discount rates, profitability, and AI related execution risks, even as they point to early stage AI adoption and the potential for nCino to further integrate these tools into its platform. Analyst Commentary Recent Street research around nCino clusters around how quickly the company can execute on its AI roadmap and what that means for valuation and growth.Narrative-Update • May 29
NCNO: AI Integration And New Banking Wins Will Drive Future Repricing
Analysts have trimmed nCino's fair value estimate to about $23.31 from roughly $23.86, as a series of price target cuts to $23 and $21 reflect both execution risk around deeper AI adoption and the view that current valuation already incorporates much of the long-term disruption risk, while still leaving room if the company successfully integrates AI into its platform. Analyst Commentary Recent research shows a split view on nCino, with several firms cutting price targets into the low US$20s while maintaining a range of ratings from Outperform to Neutral.Narrative-Update • May 03
NCNO: AI Adoption And Banking Wins Will Support Future Repricing
The average analyst price target on nCino edges slightly lower to about $23.86 from $24.00, as analysts recalibrate expectations in response to a series of target cuts across the vertical software group that are only partly offset by a few upward revisions and an upgrade. Analyst Commentary Street research on nCino has turned more mixed, with a cluster of target cuts across the vertical software group and a smaller set of price target increases and an upgrade supporting the stock.Narrative-Update • Apr 19
NCNO: AI Agent Adoption And Moat Resilience Will Support Repricing
Analysts have trimmed their average price targets on nCino by single to mid teens dollar amounts, with reductions of up to $15 partially offset by smaller $1 to $2 increases, as they reassess sector risks and the impact of AI on competitive moats in vertical software. Analyst Commentary Recent Street research on nCino points to a mixed setup, with several price target cuts offset by a smaller group of modest upward adjustments.Narrative-Update • Apr 03
NCNO: AI Moat Resilience And Lending Workflow Adoption Will Support Repricing
The updated analyst price target for nCino has been revised to $24.00 from $33.14 as analysts reset valuation assumptions following a series of mixed target cuts and a few modest raises across the Street. Analyst Commentary Analysts are split on nCino, with several firms trimming price targets by wide margins while a smaller group is lifting targets or upgrading the stock.Narrative-Update • Mar 20
NCNO: AI Moat Resilience And Mortgage Workflow Automation Will Support Repricing
Analysts trimmed nCino's price target to $16 from $30, citing broad concern that the rapid spread of AI could pressure competitive moats across vertical software names and weigh on valuation support. Analyst Commentary Recent Street research has centered on how rapid AI adoption could affect nCino's long term positioning and valuation.Narrative-Update • Mar 05
NCNO: AI Moat Execution And Buybacks Will Support Future Repricing
Analysts have cut their price target on nCino to $16 from $30, citing broad pressure across vertical software names as rapid AI adoption raises fresh questions about competitive moats and long term defensibility. Analyst Commentary Bullish Takeaways Some bullish analysts see the lower US$16 price target as a reset that better aligns expectations with current sector sentiment, which can reduce pressure on nCino to deliver near term outperformance.Neues Narrative • Mar 05
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?Narrative-Update • Feb 19
NCNO: AI Execution And Buybacks Will Support Future Multiple Expansion
Analysts have reduced their price target on nCino to $16 from $30. This reflects sector-wide pressure on vertical software valuations as rapid AI adoption raises new questions about competitive moats and long-term defensibility.Neues Narrative • Feb 18
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?Analyseartikel • Feb 16
Some Confidence Is Lacking In nCino, Inc. (NASDAQ:NCNO) As Shares Slide 33%
The nCino, Inc. ( NASDAQ:NCNO ) share price has fared very poorly over the last month, falling by a substantial 33...Narrative-Update • Jan 22
NCNO: Q3 Beat And Raise Setup May Drive Future Multiple Expansion
Narrative Update The analyst price target for nCino has been trimmed by about US$0.64 to reflect slightly lower fair value. Analysts still highlight what they see as an achievable near term setup, a potential Q3 beat and raise, and progress toward FY25 ACV and Rule of 40 goals that could support the current P/E multiple.Narrative-Update • Jan 08
NCNO: Potential Q3 Beat And Raise Could Drive Multiple Expansion
Analysts recently trimmed their nCino fair value estimate by about $0.75 to roughly $34.79, tying the adjustment to updated views on achievable near term performance targets, potential Q3 "beat and raise" outcomes, and expectations that progress toward FY25 ACV and Rule of 40 goals could still support P/E multiple expansion over time. Analyst Commentary Bullish Takeaways Bullish analysts see the current setup as achievable in the near term, which they argue reduces execution risk around upcoming quarters.Analyseartikel • Dec 01
Is nCino, Inc. (NASDAQ:NCNO) Trading At A 25% Discount?
Key Insights Using the 2 Stage Free Cash Flow to Equity, nCino fair value estimate is US$32.92 nCino's US$24.70 share...Narrative-Update • Aug 28
AI-Driven Banking And Cloud Platforms Will Expand Global Reach
nCino’s price target has been raised to $35.18 as stronger-than-expected Q2 results, accelerating subscription growth, strategic expansion initiatives, and increasing confidence in margin improvement outweigh valuation concerns and near-term reacceleration risks. Analyst Commentary Positive Q2 results with subscription revenue and profit exceeding expectations, notably driven by better-than-expected mortgage volumes and strong execution, supporting upward estimate revisions.Analyseartikel • Jul 29
nCino (NASDAQ:NCNO) Is Making Moderate Use Of Debt
The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...Neues Narrative • May 17
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.Analyseartikel • May 06
Estimating The Fair Value Of nCino, Inc. (NASDAQ:NCNO)
Key Insights The projected fair value for nCino is US$27.26 based on 2 Stage Free Cash Flow to Equity nCino's US$22.25...Gewinn- und Umsatzwachstumsprognosen
| Datum | Umsatz | Gewinne | Freier Cashflow | Bargeld aus operativen Tätigkeiten | Durchschn. Anz. Analysten |
|---|---|---|---|---|---|
| 1/31/2029 | 762 | 100 | 211 | 216 | 6 |
| 1/31/2028 | 701 | 60 | 172 | 178 | 13 |
| 1/31/2027 | 646 | 35 | 139 | 143 | 13 |
| 7/31/2026 | 622 | 34 | 132 | 134 | N/A |
| 4/30/2026 | 610 | 13 | 111 | 117 | N/A |
| 1/31/2026 | 595 | 5 | 83 | 90 | N/A |
| 10/31/2025 | 586 | -22 | 60 | 67 | N/A |
| 7/31/2025 | 573 | -34 | 60 | 68 | N/A |
| 4/30/2025 | 557 | -29 | 52 | 55 | N/A |
| 1/31/2025 | 541 | -38 | 53 | 55 | N/A |
| 10/31/2024 | 523 | -18 | 71 | 73 | N/A |
| 7/31/2024 | 506 | -29 | 71 | 73 | N/A |
| 4/30/2024 | 491 | -34 | 78 | 80 | N/A |
| 1/31/2024 | 477 | -42 | 53 | 57 | N/A |
| 10/31/2023 | 462 | -65 | 19 | 27 | N/A |
| 7/31/2023 | 445 | -72 | 5 | 17 | N/A |
| 4/30/2023 | 428 | -83 | -1 | 15 | N/A |
| 1/31/2023 | 408 | -103 | -34 | -15 | N/A |
| 10/31/2022 | 374 | -89 | -31 | -14 | N/A |
| 7/31/2022 | 339 | -79 | -43 | -29 | N/A |
| 4/30/2022 | 306 | -65 | -35 | -26 | N/A |
| 1/31/2022 | 274 | -49 | -25 | -19 | N/A |
| 10/31/2021 | 255 | -54 | -14 | -10 | N/A |
| 7/31/2021 | 240 | -50 | -4 | -2 | N/A |
| 4/30/2021 | 222 | -51 | 5 | 8 | N/A |
| 1/31/2021 | 204 | -41 | 5 | 9 | N/A |
| 10/31/2020 | 186 | -38 | 4 | 10 | N/A |
| 7/31/2020 | 170 | -35 | 6 | 12 | N/A |
| 4/30/2020 | 153 | -29 | N/A | -5 | N/A |
| 1/31/2020 | 138 | -28 | N/A | -9 | N/A |
| 1/31/2019 | 92 | -22 | N/A | -5 | N/A |
| 1/31/2018 | 58 | -19 | N/A | -16 | N/A |
Analystenprognosen zum zukünftigen Wachstum
Einkommen vs. Sparrate: NCNODas prognostizierte Gewinnwachstum (43% pro Jahr) liegt über der Sparquote (3.7%).
Ertrag vs. Markt: NCNODie Erträge des Unternehmens (43% pro Jahr) werden voraussichtlich schneller wachsen als der Markt US (17.4% pro Jahr).
Hohe Wachstumserträge: NCNOEs wird erwartet, dass die Erträge des Unternehmens in den nächsten 3 Jahren erheblich steigen werden.
Einnahmen vs. Markt: NCNODie Einnahmen des Unternehmens (8.1% pro Jahr) werden voraussichtlich langsamer wachsen als der Markt US (13.6% pro Jahr).
Hohe Wachstumseinnahmen: NCNODie Einnahmen des Unternehmens (8.1% pro Jahr) werden voraussichtlich langsamer wachsen als 20% pro Jahr.
Wachstumsprognosen für den Gewinn je Aktie
Künftige Eigenkapitalrendite
Künftige Eigenkapitalrendite: NCNODie Eigenkapitalrendite des Unternehmens wird in 3 Jahren voraussichtlich niedrig sein (16%).
Wachstumsunternehmen entdecken
Unternehmensanalyse und Finanzdaten Status
| Daten | Zuletzt aktualisiert (UTC-Zeit) |
|---|---|
| Unternehmensanalyse | 2026/09/20 04:01 |
| Aktienkurs zum Tagesende | 2026/09/18 00:00 |
| Gewinne | 2026/07/31 |
| Jährliche Einnahmen | 2026/01/31 |
Datenquellen
Die in unserer Unternehmensanalyse verwendeten Daten stammen von S&P Global Market Intelligence LLC. Die folgenden Daten werden in unserem Analysemodell verwendet, um diesen Bericht zu erstellen. Die Daten sind normalisiert, was zu einer Verzögerung bei der Verfügbarkeit der Quelle führen kann.
| Paket | Daten | Zeitrahmen | Beispiel US-Quelle * |
|---|---|---|---|
| Finanzdaten des Unternehmens | 10 Jahre |
| |
| Konsensschätzungen der Analysten | +3 Jahre |
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| Marktpreise | 30 Jahre |
| |
| Eigentümerschaft | 10 Jahre |
| |
| Verwaltung | 10 Jahre |
| |
| Wichtige Entwicklungen | 10 Jahre |
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* Beispiel für US-Wertpapiere, für nicht-US-amerikanische Wertpapiere werden gleichwertige regulatorische Formulare und Quellen verwendet.
Sofern nicht anders angegeben, beziehen sich alle Finanzdaten auf einen Jahreszeitraum, werden aber vierteljährlich aktualisiert. Dies wird als Trailing Twelve Month (TTM) oder Last Twelve Month (LTM) Daten bezeichnet. Erfahren Sie mehr.
Analysemodell und Schneeflocke
Details zum Analysemodell, mit dem dieser Bericht erstellt wurde, finden Sie auf unserer Github-Seite; außerdem bieten wir Leitfäden zur Nutzung unserer Berichte und Tutorials auf Youtube an.
Erfahren Sie mehr über das , das das Simply Wall St-Analysemodell entworfen und entwickelt hat.
Metriken für Industrie und Sektor
Unsere Branchen- und Sektionskennzahlen werden alle 6 Stunden von Simply Wall St berechnet. Details zu unserem Verfahren finden Sie auf Github.
Analysten-Quellen
nCino, Inc. wird von 24 Analysten beobachtet. 13 dieser Analysten hat die Umsatz- oder Gewinnschätzungen übermittelt, die als Grundlage für unseren Bericht dienen. Die von den Analysten übermittelten Daten werden im Laufe des Tages aktualisiert.
| Analyst | Einrichtung |
|---|---|
| Joseph Vruwink | Baird |
| Saket Kalia | Barclays |
| "Saket Kalia | Barclays |