nCino (NCNO) Panoramica del titolo
nCino, Inc. è una società di software-as-a-service che fornisce soluzioni software a istituzioni finanziarie negli Stati Uniti, nel Regno Unito e a livello internazionale. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 3/6 |
| Crescita futura | 3/6 |
| Prestazioni passate | 2/6 |
| Salute finanziaria | 2/6 |
| Dividendi | 0/6 |
Premi
Analisi del rischio
NCNO Community Fair Values
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Analyst Price Targets
Concorrenti di nCino, Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$17.85 |
| Massimo di 52 settimane | US$33.92 |
| Minimo di 52 settimane | US$13.80 |
| Beta | 0.68 |
| Variazione di 1 mese | 15.24% |
| Variazione a 3 mesi | -3.30% |
| Variazione di 1 anno | -41.69% |
| Variazione a 3 anni | -42.25% |
| Variazione a 5 anni | -72.95% |
| Variazione dall'IPO | -80.51% |
Notizie e aggiornamenti recenti
Seeking Alpha • Jul 14
nCino: A Compelling 'Buy' As The Company Cracks The Rule Of 40
Summary nCino offers compelling value as small- and mid-cap software stocks regain investor interest amid sector rotation. NCNO shares remain down ~30% YTD and ~40% over 12 months, despite a recent rally from lows. Recent Q1 results showed accelerating revenue growth, improved efficiency, and a full-year guidance boost, pushing NCNO into 'Rule of 40' territory. I reiterate my "Buy" rating, emphasizing NCNO's modest valuation and strengthened investment thesis following operational improvements. Read the full article on Seeking Alpha
Aggiornamento narrativa • 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.Recent updates
Seeking Alpha • Jul 14
nCino: A Compelling 'Buy' As The Company Cracks The Rule Of 40
Summary nCino offers compelling value as small- and mid-cap software stocks regain investor interest amid sector rotation. NCNO shares remain down ~30% YTD and ~40% over 12 months, despite a recent rally from lows. Recent Q1 results showed accelerating revenue growth, improved efficiency, and a full-year guidance boost, pushing NCNO into 'Rule of 40' territory. I reiterate my "Buy" rating, emphasizing NCNO's modest valuation and strengthened investment thesis following operational improvements. Read the full article on Seeking AlphaAggiornamento narrativa • 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.
Aggiornamento narrativa • 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.Articolo di analisi • 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...
Aggiornamento narrativa • 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.Aggiornamento narrativa • 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.Aggiornamento narrativa • 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.Aggiornamento narrativa • 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.Aggiornamento narrativa • 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.Aggiornamento narrativa • 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.Aggiornamento narrativa • 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.Nuova narrativa • 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?Aggiornamento narrativa • 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.Nuova narrativa • 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?Articolo di analisi • 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...Aggiornamento narrativa • 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.Aggiornamento narrativa • 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.Articolo di analisi • 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...Aggiornamento narrativa • 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.Articolo di analisi • 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...Nuova narrativa • 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.Articolo di analisi • 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...Articolo di analisi • Apr 04
Risks Still Elevated At These Prices As nCino, Inc. (NASDAQ:NCNO) Shares Dive 28%
To the annoyance of some shareholders, nCino, Inc. ( NASDAQ:NCNO ) shares are down a considerable 28% in the last...Rendimenti per gli azionisti
| NCNO | US Software | US Mercato | |
|---|---|---|---|
| 7D | 5.1% | 0.7% | -0.9% |
| 1Y | -41.7% | -21.8% | 19.1% |
Ritorno vs Industria: NCNO ha avuto una performance inferiore rispetto al US Software che ha registrato un rendimento -21.8 % nell'ultimo anno.
Rendimento vs Mercato: NCNO ha avuto una performance inferiore al mercato US che ha registrato un rendimento 19.1 % nell'ultimo anno.
Volatilità dei prezzi
| NCNO volatility | |
|---|---|
| NCNO Average Weekly Movement | 7.2% |
| Software Industry Average Movement | 9.9% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.2% |
Prezzo delle azioni stabile: NCNO non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 7% ) di NCNO è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 2011 | 1,684 | Sean Desmond | www.ncino.com |
nCino, Inc. è una società di software-as-a-service che fornisce soluzioni software agli istituti finanziari negli Stati Uniti, nel Regno Unito e a livello internazionale. Offre soluzioni sulla piattaforma nCino, tra cui una soluzione di Onboarding che semplifica e migliora il processo di onboarding dei clienti attraverso una piattaforma digitale per l'onboarding di crediti e non, l'apertura di conti commerciali e l'onboarding a livello aziendale; e una soluzione di Account Opening, che include una soluzione di apertura di conti di deposito per consumatori e piccole imprese. L'azienda offre anche la soluzione Lending, che fornisce una piattaforma per la creazione di prestiti commerciali, al consumo, per le piccole imprese e per i mutui ipotecari, come il Commercial Loan Origination System che automatizza il ciclo di vita del prestito; la soluzione Consumer Lending, che offre una soluzione omnichannel con decisioni di credito automatizzate e integrazioni; e la soluzione Small Business Loan Origination per l'automazione e l'apprendimento automatico.
nCino, Inc. Riepilogo dei fondamenti
| NCNO statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$1.99b |
| Utili (TTM) | US$13.26m |
| Ricavi(TTM) | US$610.06m |
147.5x
Rapporto P/E3.2x
Rapporto P/SNCNO è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| NCNO Conto economico (TTM) | |
|---|---|
| Ricavi | US$610.06m |
| Costo del fatturato | US$234.18m |
| Profitto lordo | US$375.88m |
| Altre spese | US$362.62m |
| Utili | US$13.26m |
Ultimi utili riportati
Apr 30, 2026
Prossima data di guadagno
n/a
| Utile per azione (EPS) | 0.12 |
| Margine lordo | 61.61% |
| Margine di profitto netto | 2.17% |
| Rapporto debito/patrimonio netto | 26.7% |
Come si è comportato NCNO nel lungo periodo?
Vedi performance storica e confrontoAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/07/17 22:13 |
| Prezzo dell'azione a fine giornata | 2026/07/17 00:00 |
| Utili | 2026/04/30 |
| Utili annuali | 2026/01/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
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| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
nCino, Inc. è coperta da 22 analisti. 13 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Joseph Vruwink | Baird |
| Saket Kalia | Barclays |
| Koji Ikeda | BofA Global Research |