nCino（6NCA）株式概要nCino, Inc.はソフトウェア・アズ・ア・サービスの会社で、米国、英国、および国際的な金融機関にソフトウェア・ソリューションを提供している。 詳細6NCA ファンダメンタル分析スノーフレーク・スコア評価4/6将来の成長4/6過去の実績2/6財務の健全性3/6配当金0/6報酬当社が推定した公正価値より67.9%で取引されている 収益は年間58.44%増加すると予測されています 今年は黒字化を達成 リスク分析過去3か月間に大規模なインサイダー売却が発生 財務結果に影響を与える大きな一時的項目 German市場と比較した過去 3 か月間の株価の変動すべてのリスクチェックを見る6NCA Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value€Current Price€15.004.8% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-103m880m2016201920222025202620282031Revenue US$879.9mEarnings US$7.7mAdvancedSet Fair ValueView all narrativesnCino, Inc. 競合他社ATOSS SoftwareSymbol: XTRA:AOFMarket cap: €1.2bTeamViewerSymbol: XTRA:TMVMarket cap: €899.1mPSI SoftwareSymbol: XTRA:PSANMarket cap: €701.6minnoscriptaSymbol: XTRA:1INNMarket cap: €686.0m価格と性能株価の高値、安値、推移の概要nCino過去の株価現在の株価US$14.2052週高値US$28.4052週安値US$12.10ベータ0.721ヶ月の変化-5.96%3ヶ月変化-8.97%1年変化-35.45%3年間の変化-34.26%5年間の変化-66.83%IPOからの変化-77.67%最新ニュースお知らせ • Apr 30nCino, Inc., Annual General Meeting, Jun 18, 2026nCino, Inc., Annual General Meeting, Jun 18, 2026.お知らせ • Apr 24nCino, Inc. Appoints Nick Edwards as Managing Director for APAC RegionnCino, Inc. announced Nick Edwards as the new Managing Director for the APAC region. Edwards is a seasoned commercial and regional leader with deep expertise across financial services. With nearly two decades of experience across the region, he has developed an intimate understanding of the unique dynamics, customer needs and market opportunities that define financial services in the Asia-Pacific region. Most recently, Edwards served as Chief Commercial Officer, APAC at FNZ Group. Prior to that, he spent more than six years at Temenos and other financial services providers in various leadership roles.お知らせ • Apr 08nCino Inc Highlights New Customer Results from Analyst Digital PartnernCino, Inc. highlighted new customer results from nCino Analyst Digital Partner, a role-based AI agent. Built on over 14 years of banking-specific data, Analyst Digital Partner works alongside human credit professionals to transform how financial institutions manage relationship reviews and portfolio risk. Relationship reviews are among the most time-consuming responsibilities in commercial banking. Based on nCino customer interview research, bankers spend anywhere from two days to a full week completing a single relationship review. Utilizing Analyst Digital Partner within nCino Commercial Lending, institutions are already reducing that effort by 60–70%, enabling credit teams to reinvest that time in higher-value work. The operational impact extends beyond individual reviews. With this level of efficiency, institutions can shift from annual or quarterly review cadences to weekly or even daily cycles, enabling more proactive portfolio risk management that helps protect and grow the credit portfolio. One enterprise-sized U.S. financial institution went live with Analyst Digital Partner in just 36 minutes. From the C-suite to the front line, nCino’s Digital Partners are built to work alongside banking professionals, handling the high-volume, time-intensive work that slows teams down so humans can focus on the decisions, relationships and judgment calls that drive the business forward. nCino's dual workforce vision positions AI and human talent as a unified team rather than parallel workstreams. Analyst Digital Partner is the first role-based agent to deliver on that vision at scale. Digital Partners are deployed, managed, measured and governed by nCino's Agentic Operating System (AOS). The AOS sits atop the nCino Platform and delivers banking specific guardrails for how AI agents and humans work together across a financial institution's entire operational ecosystem. Analyst Digital Partner isn't just bringing value to commercial credit professionals. For mortgage underwriters, it works the same way, eliminating manual effort, surfacing what matters and keeping originations moving. Doc VOI and AUS Smart Tasks are two of its core mortgage capabilities: one eliminates the manual effort of income verification, the other transforms AUS findings into clear action. Together, they close the gap between submission and clear-to-close.お知らせ • Apr 01+ 1 more updatenCino, Inc. Provides Earnings Guidance for its First Quarter Ending April 30, 2026 and Fiscal Year 2027 Ending January 31, 2027nCino provided earnings guidance for its first quarter ending April 30, 2026 and fiscal year 2027 ending January 31, 2027. The company is providing guidance for its first quarter ending April 30, 2026, Total revenues between $154.5 million and $156.5 million. Subscription revenues between $137.0 million and $139.0 million. The company is providing guidance for its fiscal year 2027 ending January 31, 2027, as follows: Total revenues between $639.0 million and $643.0 million. Subscription revenues between $569.0 million and $573.0 million.お知らせ • Mar 16nCino , Inc Launches Doc VOI Feature Within nCino Mortgage SolutionnCino, Inc. announced the launch of nCino Doc VOI powered by Argyle, a new feature within the nCino Mortgage Solution designed to help banks, credit unions and independent mortgage lenders verify borrower income more efficiently. Lenders increasingly automate verification of income (VOI), a critical requirement in mortgage underwriting, using direct-source, consumer-permissioned connections to payroll and bank account data. These real-time connections can satisfy income verification requirements in a majority of loan files. When they are unavailable, lenders traditionally rely on time-consuming manual review of borrower-provided paystubs and W-2s. nCino Doc VOI replaces that manual process with automated data extraction and analysis, enabling fast, cost-effective income verification across the mortgage pipeline. nCino Doc VOI integrates with Freddie Mac AIM Check API, allowing lenders to submit document-derived income data to the API for automated income assessment early in the underwriting process, prior to a full Loan Product Advisor® (LPA®) submission. This document-based income verification can also support assessment of representation and warranty relief eligibility related to the income calculation when submitted to LPA. nCino Mortgage customers can activate nCino Doc VOI directly within the nCino Mortgage Solution without the need to contract separately with Argyle.お知らせ • Feb 16nCino, Inc. to Report Q4, 2026 Results on Mar 31, 2026nCino, Inc. announced that they will report Q4, 2026 results After-Market on Mar 31, 2026最新情報をもっと見るRecent updatesお知らせ • Apr 30nCino, Inc., Annual General Meeting, Jun 18, 2026nCino, Inc., Annual General Meeting, Jun 18, 2026.お知らせ • Apr 24nCino, Inc. Appoints Nick Edwards as Managing Director for APAC RegionnCino, Inc. announced Nick Edwards as the new Managing Director for the APAC region. Edwards is a seasoned commercial and regional leader with deep expertise across financial services. With nearly two decades of experience across the region, he has developed an intimate understanding of the unique dynamics, customer needs and market opportunities that define financial services in the Asia-Pacific region. Most recently, Edwards served as Chief Commercial Officer, APAC at FNZ Group. Prior to that, he spent more than six years at Temenos and other financial services providers in various leadership roles.お知らせ • Apr 08nCino Inc Highlights New Customer Results from Analyst Digital PartnernCino, Inc. highlighted new customer results from nCino Analyst Digital Partner, a role-based AI agent. Built on over 14 years of banking-specific data, Analyst Digital Partner works alongside human credit professionals to transform how financial institutions manage relationship reviews and portfolio risk. Relationship reviews are among the most time-consuming responsibilities in commercial banking. Based on nCino customer interview research, bankers spend anywhere from two days to a full week completing a single relationship review. Utilizing Analyst Digital Partner within nCino Commercial Lending, institutions are already reducing that effort by 60–70%, enabling credit teams to reinvest that time in higher-value work. The operational impact extends beyond individual reviews. With this level of efficiency, institutions can shift from annual or quarterly review cadences to weekly or even daily cycles, enabling more proactive portfolio risk management that helps protect and grow the credit portfolio. One enterprise-sized U.S. financial institution went live with Analyst Digital Partner in just 36 minutes. From the C-suite to the front line, nCino’s Digital Partners are built to work alongside banking professionals, handling the high-volume, time-intensive work that slows teams down so humans can focus on the decisions, relationships and judgment calls that drive the business forward. nCino's dual workforce vision positions AI and human talent as a unified team rather than parallel workstreams. Analyst Digital Partner is the first role-based agent to deliver on that vision at scale. Digital Partners are deployed, managed, measured and governed by nCino's Agentic Operating System (AOS). The AOS sits atop the nCino Platform and delivers banking specific guardrails for how AI agents and humans work together across a financial institution's entire operational ecosystem. Analyst Digital Partner isn't just bringing value to commercial credit professionals. For mortgage underwriters, it works the same way, eliminating manual effort, surfacing what matters and keeping originations moving. Doc VOI and AUS Smart Tasks are two of its core mortgage capabilities: one eliminates the manual effort of income verification, the other transforms AUS findings into clear action. Together, they close the gap between submission and clear-to-close.お知らせ • Apr 01+ 1 more updatenCino, Inc. Provides Earnings Guidance for its First Quarter Ending April 30, 2026 and Fiscal Year 2027 Ending January 31, 2027nCino provided earnings guidance for its first quarter ending April 30, 2026 and fiscal year 2027 ending January 31, 2027. The company is providing guidance for its first quarter ending April 30, 2026, Total revenues between $154.5 million and $156.5 million. Subscription revenues between $137.0 million and $139.0 million. The company is providing guidance for its fiscal year 2027 ending January 31, 2027, as follows: Total revenues between $639.0 million and $643.0 million. Subscription revenues between $569.0 million and $573.0 million.お知らせ • Mar 16nCino , Inc Launches Doc VOI Feature Within nCino Mortgage SolutionnCino, Inc. announced the launch of nCino Doc VOI powered by Argyle, a new feature within the nCino Mortgage Solution designed to help banks, credit unions and independent mortgage lenders verify borrower income more efficiently. Lenders increasingly automate verification of income (VOI), a critical requirement in mortgage underwriting, using direct-source, consumer-permissioned connections to payroll and bank account data. These real-time connections can satisfy income verification requirements in a majority of loan files. When they are unavailable, lenders traditionally rely on time-consuming manual review of borrower-provided paystubs and W-2s. nCino Doc VOI replaces that manual process with automated data extraction and analysis, enabling fast, cost-effective income verification across the mortgage pipeline. nCino Doc VOI integrates with Freddie Mac AIM Check API, allowing lenders to submit document-derived income data to the API for automated income assessment early in the underwriting process, prior to a full Loan Product Advisor® (LPA®) submission. This document-based income verification can also support assessment of representation and warranty relief eligibility related to the income calculation when submitted to LPA. nCino Mortgage customers can activate nCino Doc VOI directly within the nCino Mortgage Solution without the need to contract separately with Argyle.お知らせ • Feb 16nCino, Inc. to Report Q4, 2026 Results on Mar 31, 2026nCino, Inc. announced that they will report Q4, 2026 results After-Market on Mar 31, 2026お知らせ • Dec 09nCino, Inc. (NasdaqGS:NCNO) announces an Equity Buyback for $100 million worth of its shares.nCino, Inc. (NasdaqGS:NCNO) announces a stock repurchase program. Under the program, the company will repurchase up to $100 million worth of its outstanding common stock. The program will be funded using existing cash and cash equivalents, credit facility capacity and/or future cash flows.お知らせ • Dec 04+ 1 more updatenCino, Inc. Provides Earnings Guidance for the Fourth Quarter and Fiscal Year Ending January 31, 2026nCino, Inc. provided earnings guidance for the fourth quarter and fiscal year ending January 31, 2026. For the quarter, the company expects total revenues between $146.75 million and $148.25 million. Subscription revenues between $130.75 million and $132.25 million. For the year, the company expects total revenues between $591.9 million and $593.4 million. Subscription revenues between $520.5 million and $522.0 million.お知らせ • Nov 14nCino, Inc. to Report Q3, 2026 Results on Dec 03, 2025nCino, Inc. announced that they will report Q3, 2026 results After-Market on Dec 03, 2025お知らせ • Aug 27nCino, Inc. Provides Earnings Guidance for the Third Quarter Ending October 31, 2025 and Fiscal Year 2026 Ending January 31, 2026nCino, Inc. provided earnings guidance for the third quarter ending October 31, 2025 and fiscal year 2026 ending January 31, 2026. For the quarter, Company expects Total revenues between $146.0 million and $148.0 million. Subscription revenues between $127.5 million and $129.5 million. For the fiscal year, Company expects Total revenues between $585.0 million and $589.0 million. Subscription revenues between $513.5 million and $517.5 million.お知らせ • Aug 14nCino, Inc. to Report Q2, 2026 Results on Aug 26, 2025nCino, Inc. announced that they will report Q2, 2026 results at 4:00 PM, US Eastern Standard Time on Aug 26, 2025お知らせ • May 29+ 1 more updatenCino, Inc. Revises Earnings Guidance for the Year Ending January 31, 2026nCino, Inc. revised earnings guidance for the year ending January 31, 2026. For the year ending January 31, 2026, Taking all this together, the company now expects total revenues of $578.5 million to $582.5 million, up from prior guidance range of $574.5 million to $578.5 million, representing approximately 7% growth at the midpoint of the range. The company now expects subscription revenues to be $507 million to $511 million, up from $503 million to $507 million. Updated guidance for subscription revenues represents approximately 8.5% growth at the midpoint of the range. Excluding currency fluctuations, organic subscription revenue growth rate in fiscal '26 is expected to be approximately 5% at the midpoint of the range up from the 4% noted on Fourth Quarter earnings call.お知らせ • May 20Ncino, Inc. Unveils Transformative Ai-Powered Banking Solutions At Nsight 2025nCino, Inc. announced new AI-powered innovations at its annual nSight Conference. Designed to enhance how nCino customers can leverage the nCino Platform as AI becomes embedded across all its solutions, these advances underscore the Company's commitment to helping financial institutions improve efficiency, enforce more proactive risk management, and better meet the evolving demands of today's consumers. In his first keynote as nCino's CEO, Sean Desmond outlined the Company's evolution from workflow pioneer to global data and intelligence leader, declaring " a new era in financial services" powered by nCino's enhanced AI and automation capabilities. nCino's latest product enhancements leverage advanced AI to tackle key challenges in financial services, including operations analytics, smarter risk management, personalized customer experiences, and streamlined compliance processes. With 18 Banking Advisor capabilities that create 100s of use cases, nCino is offering solutions that are both forward-thinking and practical for real-world implementation. In addition to these product enhancements, the Company also unveiled the nCino Research Institute (nRI).お知らせ • May 14nCino, Inc. to Report Q1, 2026 Results on May 28, 2025nCino, Inc. announced that they will report Q1, 2026 results After-Market on May 28, 2025お知らせ • May 01nCino, Inc., Annual General Meeting, Jun 18, 2025nCino, Inc., Annual General Meeting, Jun 18, 2025.お知らせ • Apr 02nCino, Inc. (NasdaqGS:NCNO) announces an Equity Buyback for $100 million worth of its shares.nCino, Inc. (NasdaqGS:NCNO) announces a stock repurchase program. Under the program, the company will repurchase up to $100 million worth of its outstanding common stock. The program will be funded using existing cash and cash equivalents, credit facility capacity and/or future cash flows.お知らせ • Feb 17nCino, Inc. to Report Q4, 2025 Results on Apr 01, 2025nCino, Inc. announced that they will report Q4, 2025 results After-Market on Apr 01, 2025お知らせ • Feb 11nCino, Inc. (NasdaqGS:NCNO) acquired AlphaPack, Co. for $62.5 million.nCino, Inc. (NasdaqGS:NCNO) acquired AlphaPack, Co. for $52.5 million on February 11, 2025. The purchase price for Sandbox Banking was $52.5 million in cash, subject to customary adjustments, with an additional earn-out opportunity of up to $10 million based on the achievement of certain financial and product development metrics. nCino, Inc. (NasdaqGS:NCNO) completed the acquisition of AlphaPack, Co. on February 11, 2025.お知らせ • Feb 10nCino, Inc. Appoints Justin Nyweide to the Board of Director and Member of Audit CommitteenCino, Inc. announced that it has appointed Justin Nyweide to its Board of Directors, effective immediately. Mr. Nyweide will serve on the Board's Audit Committee. Justin has over two decades of experience investing in and partnering with growth companies globally in the technology, software, internet, and financial services industries. He is a Founding Partner and the Chief Investment Officer of HMI Capital. HMI Capital is a large shareholder of nCino and has a longstanding relationship with the Company and its management. Through this appointment, nCino’s Board will comprise of ten directors.お知らせ • Feb 04+ 1 more updatenCino, Inc. Announces Chief Executive Officer ChangesnCino, Inc. announced the appointment of Sean Desmond as Chief Executive Officer, effective immediately. Desmond succeeds Pierre Naud, who will continue to be actively involved in the Company as Executive Chairman of the Board to ensure a smooth transition. Desmond joined nCino in 2013 initially as Chief Customer Success Officer, ensuring the successful delivery and implementation of the nCino Platform to financial institutions around the world. His remit at the Company progressively expanded, and he most recently served as nCino's Chief Product Officer, overseeing the Product Development &Engineering organization globally. In these roles, he managed approximately two-thirds of the company's employees.お知らせ • Dec 05nCino, Inc. Provides Earnings Guidance for the Fourth Quarter and Fiscal Year Ending January 31, 2025nCino, Inc. provided earnings guidance for the fourth quarter and fiscal year ending January 31, 2025. For the quarter, the company expects total revenues to be between $139.5 million and $141.5 million. Subscription revenues to be between $122.5 million and $124.5 million. For the year, the company expects total revenues to be between $539.0 million and $541.0 million. Subscription revenues to be between $467.0 million and $469.0 million.お知らせ • Nov 15nCino, Inc. to Report Q3, 2025 Results on Dec 04, 2024nCino, Inc. announced that they will report Q3, 2025 results After-Market on Dec 04, 2024お知らせ • Oct 31nCino, Inc. (NasdaqGS:NCNO) entered into a share purchase agreement to acquire Artesian Solutions, Ltd. for $135 million.nCino, Inc. (NasdaqGS:NCNO) entered into a share purchase agreement to acquire Artesian Solutions, Ltd. for $135 million on October 29, 2024. The purchase price for FullCircl is $135 million in cash, subject to customary adjustments. $15 million of the Purchase Price will be retained by the Company for two years following the Closing as security for the performance of certain warranties and covenants arising under the SPA. A portion of the funds available under the Credit Agreement will be used to fund the purchase price. The acquisition is expected to close on or about November 4, 2024.お知らせ • Oct 22HMI Capital Management Engages in Discussions with nCinoOn October 21, 2024, HMI Capital Management, L.P. announced that it has had, and intends to continue to have, constructive discussions with the Board of Directors of nCino, Inc. and management regarding Board composition, the Company’s valuation and total stockholder return, its investor messaging and disclosure, operations, capital allocation, corporate governance and the strategy and plans of the Company, including strategic transactions.Reported Earnings • Aug 28Second quarter 2025 earnings released: US$0.096 loss per share (vs US$0.14 loss in 2Q 2024)Second quarter 2025 results: US$0.096 loss per share (improved from US$0.14 loss in 2Q 2024). Revenue: US$132.4m (up 13% from 2Q 2024). Net loss: US$11.0m (loss narrowed 31% from 2Q 2024). Revenue is forecast to grow 15% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.Breakeven Date Change • Aug 28Forecast breakeven date pushed back to 2027The 15 analysts covering nCino previously expected the company to break even in 2026. New consensus forecast suggests losses will reduce by 62% per year to 2026. The company is expected to make a profit of US$33.4m in 2027. Average annual earnings growth of 93% is required to achieve expected profit on schedule.お知らせ • Aug 15nCino, Inc. to Report Q2, 2025 Results on Aug 27, 2024nCino, Inc. announced that they will report Q2, 2025 results After-Market on Aug 27, 2024Recent Insider Transactions • Jun 14Co-Founder recently sold €396k worth of stockOn the 11th of June, Pierre Naude sold around 14k shares on-market at roughly €28.11 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €877k. Pierre has been a net seller over the last 12 months, reducing personal holdings by €2.4m.Buy Or Sell Opportunity • May 31Now 25% undervalued after recent price dropOver the last 90 days, the stock has fallen 7.2% to €25.60. The fair value is estimated to be €34.06, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 27% over the last 3 years. Earnings per share has grown by 5.5%. Revenue is forecast to grow by 15% in a year. Earnings are forecast to grow by 56% in the next year.Reported Earnings • May 30First quarter 2025 earnings released: US$0.026 loss per share (vs US$0.10 loss in 1Q 2024)First quarter 2025 results: US$0.026 loss per share (improved from US$0.10 loss in 1Q 2024). Revenue: US$128.1m (up 13% from 1Q 2024). Net loss: US$2.98m (loss narrowed 74% from 1Q 2024). Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 18% per year, which means it is significantly lagging earnings.お知らせ • May 16nCino, Inc. to Report Q1, 2025 Results on May 29, 2024nCino, Inc. announced that they will report Q1, 2025 results After-Market on May 29, 2024Recent Insider Transactions • May 07Co-Founder recently sold €877k worth of stockOn the 3rd of May, Pierre Naude sold around 31k shares on-market at roughly €28.23 per share. This transaction amounted to 2.7% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Pierre has been a net seller over the last 12 months, reducing personal holdings by €2.4m.Breakeven Date Change • Apr 03Forecast to breakeven in 2026The 14 analysts covering nCino expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 44% to 2025. The company is expected to make a profit of US$1.15m in 2026. Average annual earnings growth of 97% is required to achieve expected profit on schedule.お知らせ • Apr 03nCino, Inc. Unveils Latest Enhancements to its Consumer Banking SolutionnCino, Inc. announced a series of enhancements to its Consumer Banking Solution. The upgrades to nCino's platform provide bankers with the tools to interact with consumers where and how they want to engage, while providing a foundation of flexibility and agility. These tools enable financial institutions to stay ahead of market shifts and proactively meet the evolving needs of their clients and members. Key enhancements include: Expanded omnichannel functionality - enhancing client and member experiences with a streamlined application and shopping cart experience to reduce time to offer; Simplified multi-product origination experience - increasing operational efficiency with more intuitive workflows for front-end users and in-branch bankers; More robust headless APIs - connecting complex processes with an institution's own digital framework to reduce development and maintenance costs; Embedded analytics and Intelligent Cross-Sell functionality - incorporating data-driven insights that aid in faster time to decisioning; and Indirect lending functionality - allowing financial institutions to better connect indirect auto lending clients with their full suite of banking products via technology (Allegro) that nCino recently purchased from TruStage. The enhanced product functionality will be demoed at nSight, the Company's annual event where global banking professionals gather to network, learn best practices, and explore the latest industry trends and innovations. nSight is being held in Charlotte, North Carolina, from May 14 - 16, 2024.Recent Insider Transactions • Apr 02Insider recently sold €657k worth of stockOn the 28th of March, April Rieger sold around 20k shares on-market at roughly €33.41 per share. This transaction amounted to 59% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €5.0m more than they bought in the last 12 months.New Risk • Mar 28New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.9% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Currently unprofitable and not forecast to become profitable over next 2 years (US$461k net loss in 2 years). Shareholders have been diluted in the past year (2.9% increase in shares outstanding). Significant insider selling over the past 3 months (€2.0m sold).Reported Earnings • Mar 27Full year 2024 earnings released: US$0.38 loss per share (vs US$0.93 loss in FY 2023)Full year 2024 results: US$0.38 loss per share (improved from US$0.93 loss in FY 2023). Revenue: US$476.5m (up 17% from FY 2023). Net loss: US$42.3m (loss narrowed 59% from FY 2023). Revenue is forecast to grow 15% p.a. on average during the next 3 years, compared to a 9.4% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has fallen by 20% per year, which means it is performing significantly worse than earnings.お知らせ • Mar 20nCino, Inc. (NasdaqGS:NCNO) enter into definitive agreement to acquire DocFox, Inc. for $75 million.nCino, Inc. (NasdaqGS:NCNO) enter into definitive agreement to acquire DocFox, Inc. for $75 million on March 18, 2024. Keefe, Bruyette & Woods, Inc. acted as financial advisor to DocFox, Inc. and Wilson Sonsini Goodrich & Rosati, P.C. acted as legal advisor to DocFox, Inc. Sidley Austin LLP acted as legal advisor to nCino, Inc. (NasdaqGS:NCNO).お知らせ • Feb 14nCino, Inc. to Report Q4, 2024 Results on Mar 26, 2024nCino, Inc. announced that they will report Q4, 2024 results After-Market on Mar 26, 2024Recent Insider Transactions • Feb 07Co-Founder recently sold €331k worth of stockOn the 5th of February, Pierre Naude sold around 11k shares on-market at roughly €28.85 per share. This transaction amounted to 1.1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €399k. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.2m.Buy Or Sell Opportunity • Jan 20Now 20% undervaluedOver the last 90 days, the stock has risen 10% to €29.60. The fair value is estimated to be €37.12, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 31% over the last 3 years. Earnings per share has declined by 15%. Revenue is forecast to grow by 33% in 2 years. Earnings are forecast to grow by 79% in the next 2 years.Recent Insider Transactions • Jan 17Independent Director recently sold €321k worth of stockOn the 12th of January, Steven Collins sold around 10k shares on-market at roughly €32.15 per share. This transaction amounted to 15% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €399k. Insiders have been net sellers, collectively disposing of €4.1m more than they bought in the last 12 months.Breakeven Date Change • Jan 10No longer forecast to breakevenThe 12 analysts covering nCino no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of US$10.7m in 2026. New consensus forecast suggests the company will make a loss of US$6.71m in 2026.Breakeven Date Change • Dec 01Forecast to breakeven in 2026The 12 analysts covering nCino expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 42% per year to 2025. The company is expected to make a profit of US$2.77m in 2026. Average annual earnings growth of 68% is required to achieve expected profit on schedule.Reported Earnings • Nov 30Third quarter 2024 earnings released: US$0.14 loss per share (vs US$0.21 loss in 3Q 2023)Third quarter 2024 results: US$0.14 loss per share (improved from US$0.21 loss in 3Q 2023). Revenue: US$121.9m (up 16% from 3Q 2023). Net loss: US$16.4m (loss narrowed 31% from 3Q 2023). Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 7.9% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has fallen by 26% per year, which means it is performing significantly worse than earnings.お知らせ • Nov 30nCino, Inc. Provides Earnings Guidance for the Fourth Quarter and Fiscal Year Ending January 31, 2024nCino, Inc. provided earnings Guidance for the fourth quarter and fiscal year ending January 31, 2024. For the quarter, the company expects total revenues between $123.5 million and $125.5 million. Subscription revenues between $105.5 million and $107.5 million.For the year, the company expects total revenues between $476.5 million and $478.5 million. Subscription revenues between $407.5 million and $409.5 million.お知らせ • Nov 15nCino, Inc. to Report Q3, 2024 Results on Nov 29, 2023nCino, Inc. announced that they will report Q3, 2024 results After-Market on Nov 29, 2023Reported Earnings • Aug 30Second quarter 2024 earnings released: US$0.14 loss per share (vs US$0.25 loss in 2Q 2023)Second quarter 2024 results: US$0.14 loss per share (improved from US$0.25 loss in 2Q 2023). Revenue: US$117.2m (up 18% from 2Q 2023). Net loss: US$15.9m (loss narrowed 42% from 2Q 2023). Revenue is forecast to grow 15% p.a. on average during the next 3 years, compared to a 7.1% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has fallen by 31% per year, which means it is performing significantly worse than earnings.お知らせ • Aug 30nCino, Inc. Provides Earnings Guidance for the Third Quarter Ending October 31, 2023 and Fiscal Year Ending January 31, 2024nCino, Inc. provided earnings Guidance for the third quarter ending October 31, 2023 and fiscal year ending January 31, 2024. For the quarter ending October 31, 2023, the company expects total revenues between $120.0 million and $121.0 million.For the year ending January 31, 2024, the company expects total revenues between $475.0 million and $478.5 million.お知らせ • Aug 16nCino, Inc. to Report Q2, 2024 Results on Aug 29, 2023nCino, Inc. announced that they will report Q2, 2024 results After-Market on Aug 29, 2023Recent Insider Transactions • Aug 06Co-Founder recently sold €317k worth of stockOn the 3rd of August, Pierre Naude sold around 12k shares on-market at roughly €27.53 per share. This transaction amounted to 1.0% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €322k. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.2m.New Risk • Jun 21New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 11% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (11% average weekly change). Minor Risks Currently unprofitable and not forecast to become profitable next year (US$32m net loss next year). Significant insider selling over the past 3 months (€1.1m sold).Recent Insider Transactions • Jun 14Co-Founder recently sold €322k worth of stockOn the 9th of June, Pierre Naude sold around 14k shares on-market at roughly €22.36 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.3m.Reported Earnings • Jun 01First quarter 2024 earnings released: US$0.10 loss per share (vs US$0.28 loss in 1Q 2023)First quarter 2024 results: US$0.10 loss per share (improved from US$0.28 loss in 1Q 2023). Revenue: US$113.7m (up 21% from 1Q 2023). Net loss: US$11.2m (loss narrowed 63% from 1Q 2023). Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 8.3% growth forecast for the Software industry in Germany.お知らせ • May 11nCino, Inc., Annual General Meeting, Jun 22, 2023nCino, Inc., Annual General Meeting, Jun 22, 2023, at 10:00 US Eastern Standard Time. Agenda: To elect the three Class III directors named in the proxy statement; to ratify the appointment of Ernst & Young LLP as independent registered public accounting firm for the fiscal year ending January 31, 2024; to conduct an advisory vote to approve the compensation paid to the Company’s named executive officers; and to transact such other business as may properly come before the meeting, or any adjournment or postponement thereof.Recent Insider Transactions • Apr 11Co-Founder recently sold €244k worth of stockOn the 6th of April, Pierre Naude sold around 11k shares on-market at roughly €22.08 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €342k. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.4m.Reported Earnings • Mar 31Full year 2023 earnings released: US$0.93 loss per share (vs US$0.51 loss in FY 2022)Full year 2023 results: US$0.93 loss per share (further deteriorated from US$0.51 loss in FY 2022). Revenue: US$408.3m (up 49% from FY 2022). Net loss: US$102.7m (loss widened 108% from FY 2022). Revenue is forecast to grow 16% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Software industry in Germany.お知らせ • Feb 15nCino, Inc. to Report Q4, 2023 Results on Mar 28, 2023nCino, Inc. announced that they will report Q4, 2023 results After-Market on Mar 28, 2023Recent Insider Transactions • Feb 09Co-Founder recently sold €342k worth of stockOn the 3rd of February, Pierre Naude sold around 12k shares on-market at roughly €28.49 per share. This transaction amounted to 1.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.6m.お知らせ • Jan 19+ 1 more updatenCino, Inc. Reaffirms Revenue Guidance for the Fourth Quarter and Fiscal Year Ending January 31, 2023nCino, Inc. reaffirmed revenue guidance for the fourth quarter and fiscal year ending January 31, 2023. For the quarter, the company expects total revenues between $104 million and $105 million.For the year, the company expects total revenues between $403 million and $404 million.Recent Insider Transactions • Jan 13Insider recently sold €149k worth of stockOn the 10th of January, Matthew Hansen sold around 6k shares on-market at roughly €24.36 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €369k. Insiders have been net sellers, collectively disposing of €11m more than they bought in the last 12 months.Board Change • Jan 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 2 highly experienced directors. Director Bill Spruill was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Dec 02Third quarter 2023 earnings released: US$0.21 loss per share (vs US$0.14 loss in 3Q 2022)Third quarter 2023 results: US$0.21 loss per share (further deteriorated from US$0.14 loss in 3Q 2022). Revenue: US$105.3m (up 50% from 3Q 2022). Net loss: US$23.6m (loss widened 73% from 3Q 2022). Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 7.8% growth forecast for the Software industry in Germany.お知らせ • Dec 01nCino, Inc. Provides Revenue Guidance for Its Fourth Quarter and Fiscal Year Ending January 31, 2023nCino, Inc. provided revenue guidance for its fourth quarter and fiscal year ending January 31, 2023. For the quarter, the company expects total revenues between $104 million and $105 million.For its fiscal year 2023 ending January 31, 2023, the company expects total revenues between $403 million and $404 million.お知らせ • Nov 30nCino Appoints William (Bill) Spruill to Its Board of DirectorsnCino announced that it has appointed William (Bill) Spruill to its Board of Directors. Spruill is the co-founder and former CEO of Global Data Consortium (GDC), a leading provider and industry expert in global electronic identity verification. During his tenure as CEO, he oversaw the formation of more than 50 enterprise channel relationships and established a cohort of more than 120 data suppliers creating a unique and successful consortium business model to deliver high quality identity data in near real-time for over 70 countries. Earlier this year, GDC was acquired by the London Stock Exchange Group (LSEG) for $300 million making it one of the largest minority founder exits in the enterprise technology sector in U.S. history.Spruill joins Pam Kilday, former head of operations of Truist Financial; Steven Collins, former EVP & CFO of ExactTarget; Jon Doyle, member of the board of directors of, and current vice chairman, senior managing principal and head of the financial services group at, Piper Sandler; Jeffrey Horing, managing director at Insight Partners; William Ruh, president of Cairn Capital Management; Spencer Lake, former vice chairman of global banking and markets at HSBC; and Pierre Naudé, Chairman and Chief Executive Officer of nCino, on nCino's Board of Directors.お知らせ • Nov 15nCino, Inc. to Report Q3, 2023 Results on Nov 30, 2022nCino, Inc. announced that they will report Q3, 2023 results After-Market on Nov 30, 2022Recent Insider Transactions • Nov 05CFO & Treasurer recently sold €369k worth of stockOn the 2nd of November, David Rudow sold around 13k shares on-market at roughly €29.35 per share. This transaction amounted to 7.8% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. David has been a net seller over the last 12 months, reducing personal holdings by €682k.Reported Earnings • Sep 03Second quarter 2023 earnings released: US$0.25 loss per share (vs US$0.14 loss in 2Q 2022)Second quarter 2023 results: US$0.25 loss per share (down from US$0.14 loss in 2Q 2022). Revenue: US$99.6m (up 50% from 2Q 2022). Net loss: US$27.2m (loss widened 99% from 2Q 2022). Over the next year, revenue is forecast to grow 34%, compared to a 7.8% growth forecast for the Software industry in Germany.お知らせ • Sep 02+ 1 more updatenCino, Inc. Revises Earnings Guidance for the Fiscal Year 2023 Ending January 31, 2023nCino, Inc. revised earnings guidance for the fiscal year 2023 ending January 31, 2023. The company now increasing revenue outlook. For full fiscal year '23, the company now expects total revenues of $401.5 million to $403.5 million with subscription revenues of $341.5 million to $343.5 million.お知らせ • Aug 16nCino, Inc. to Report Q2, 2023 Results on Sep 01, 2022nCino, Inc. announced that they will report Q2, 2023 results After-Market on Sep 01, 2022Recent Insider Transactions • Aug 05Co-Founder recently sold €353k worth of stockOn the 2nd of August, Pierre Naude sold around 11k shares on-market at roughly €31.72 per share. In the last 3 months, there was an even bigger sale from another insider worth €3.4m. Pierre has been a seller over the last 12 months, reducing personal holdings by €1.2m.お知らせ • Aug 04nCino, Inc. Announces Executive Leadership AppointmentsnCino, Inc. announced several new appointments across its executive leadership team to further support the Company’s continued growth, scale and product innovation. The following changes across nCino’s executive leadership team are effective immediately: Matt Hansen has been named Chief Product Officer of nCino, overseeing the Company’s Product Development & Engineering organization globally. In 2011, Hansen founded SimpleNexus, an nCino company, and served as its Chief Executive Officer for more than 10 years. Under his leadership, Hansen executed an ambitious, long-term vision of developing mobile-first technology for the modern mortgage lender to streamline the path to homeownership and address key industry pain points while preserving lender flexibility and efficiency. In this new role, Hansen will leverage his deep expertise in SaaS development and mobile applications, and his passion for building transformative technology to accelerate the Company’s development of innovative, best-in-class, cloud-based software across all lines of business. Jaime Punishill has been named Chief Market Officer (CMO) of nCino, taking over for Jonathan Rowe, Ph.D., who is taking on a new strategic role with the Company after serving as its CMO since 2012. Punishill is an innovative marketing executive with nearly three decades of experience in the technology and financial services sectors. He joins nCino from Lionbridge, a leading translation and localization company, where he has served as their Chief Marketing Officer for the past five years. During his tenure, he led a global rebrand, centralized Lionbridge’s global marketing function and oversaw brand stewardship, demand generation, product marketing, external and internal communications and voice-of-the-customer and advocacy programs. Prior to Lionbridge, Jaime served as Head of Brand Strategy and Digital Marketing at TIAA, a top financial services company, and previous to that was Global Head of Content and Digital Distribution at Thomson Reuters and Head of Digital Innovation for Citibank N.A. In his new role, Punishill will assume leadership of nCino’s global marketing organization.Recent Insider Transactions • Jul 09Vice President of Accounting recently sold €144k worth of stockOn the 6th of July, Jeanette Sellers sold around 4k shares on-market at roughly €35.41 per share. In the last 3 months, there was an even bigger sale from another insider worth €3.4m. Insiders have been net sellers, collectively disposing of €9.7m more than they bought in the last 12 months.お知らせ • Jun 28ncino, Inc. Appoints Chris Ainsworth as Chief People Officer and Executive Leadership TeamnCino, Inc. announced the appointment of Chris Ainsworth has joined the Company as its first Chief People Officer, serving as a member of the nCino Executive Leadership Team. For the past 25 years, Ainsworth has led people functions and teams in a range of industries including insurance, cards and payments, banking and capital markets. Most recently, he served as Global Chief Human Resources Officer of CFA Institute, a global association of investment professionals. Prior to CFA Institute, Ainsworth held senior talent and HR roles at institutions including TD Bank, American Express and GMAC Insurance. In his new role, Ainsworth will oversee nCino’s global talent functions, encompassing human resources (which also includes DE&I and community involvement and philanthropy), recruiting and employee training and enablement.Recent Insider Transactions • Jun 08Independent Director recently sold €3.4m worth of stockOn the 6th of June, Jeffrey Lunsford sold around 100k shares on-market at roughly €33.69 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €7.3m more than they bought in the last 12 months.Reported Earnings • Jun 03First quarter 2023 earnings released: US$0.28 loss per share (vs US$0.16 loss in 1Q 2022)First quarter 2023 results: US$0.28 loss per share (down from US$0.16 loss in 1Q 2022). Revenue: US$94.2m (up 51% from 1Q 2022). Net loss: US$30.7m (loss widened 105% from 1Q 2022). Over the next year, revenue is forecast to grow 40%, compared to a 13% growth forecast for the industry in Germany.お知らせ • Jun 03nCino, Inc. Provides Earnings Guidance for the Second Quarter Ending July 31, 2022 and Full Year Ending January 31, 2023nCino, Inc. provided earnings guidance for the second quarter ending July 31, 2022 and full year ending January 31, 2023. For the second quarter, the company expects Total revenues between $97 million and $98 million.For the full year, the company expects Total revenues between $401 million and $403 million.お知らせ • May 17nCino, Inc. to Report Q1, 2023 Results on Jun 01, 2022nCino, Inc. announced that they will report Q1, 2023 results After-Market on Jun 01, 2022お知らせ • May 12nCino, Inc., Annual General Meeting, Jun 23, 2022nCino, Inc., Annual General Meeting, Jun 23, 2022, at 10:00 US Eastern Standard Time. Agenda: To consider the election of two Class II directors named in the proxy statement; to consider the ratification of the appointment of Ernst & Young LLP as independent registered public accounting firm for the fiscal year ending January 31, 2023; to consider the advisory vote on the compensation paid to named executive officers; to consider the advisory vote on the frequency of future advisory votes concerning the compensation of named executive officers; to consider a stockholder proposal regarding majority voting in uncontested director elections; and to consider the transaction of such other business as may properly come before the meeting, or any adjournment or postponement thereof.Recent Insider Transactions • Apr 12Co-Founder recently sold €390k worth of stockOn the 6th of April, Pierre Naude sold around 10k shares on-market at roughly €40.00 per share. This was the largest sale by an insider in the last 3 months. This was Pierre's only on-market trade for the last 12 months.Reported Earnings • Apr 02Full year 2022 earnings released: US$1.03 loss per share (vs US$0.46 loss in FY 2021)Full year 2022 results: US$1.03 loss per share (down from US$0.46 loss in FY 2021). Revenue: US$547.7m (up 168% from FY 2021). Net loss: US$99.6m (loss widened 146% from FY 2021). Over the next year, revenue is expected to shrink by 27% compared to a 15% growth forecast for the industry in Germany.お知らせ • Apr 01nCino, Inc. Provides Revenue Guidance for the First Quarter Ending April 30, 2022; Provides Guidance for the Fiscal Year 2023 Ending January 31, 2023nCino, Inc. provided revenue guidance for the first quarter ending April 30, 2022 and fiscal year 2023 ending January 31, 2023. For the first quarter, the company expects total revenues between $91 million and $92 million.For the fiscal year 2023, the company expects total revenues between $398 million and $400 million.お知らせ • Feb 16nCino, Inc. to Report Q4, 2022 Results on Mar 31, 2022nCino, Inc. announced that they will report Q4, 2022 results After-Market on Mar 31, 2022お知らせ • Jan 12nCino Requests Nasdaq File A Form 25 to Withdraw the Shares of nCino OpCo Common Stock from Listing on NasdaqPrior to January 10, 2022, shares of nCino OpCo Common Stock were registered pursuant to Section 12(b) of the Exchange Act and listed on Nasdaq. As a result of the nCino Merger, nCino OpCo has requested that Nasdaq file a Form 25 to withdraw the shares of nCino OpCo Common Stock from listing on Nasdaq. The shares of nCino OpCo Common Stock will be suspended from trading on Nasdaq prior to the open of trading on January 10, 2022. nCino OpCo expects to file a Form 15 with the SEC to terminate the registration under the Exchange Act of the shares of nCino OpCo Common Stock, and suspend the reporting obligations under Sections 12(g) and 15(d) of the Exchange Act of nCino OpCo (except to the extent of the succession of nCino to the Exchange Act Section 12(b) registration and reporting obligations of nCino OpCo.株主還元6NCADE SoftwareDE 市場7D-7.8%-2.4%1.4%1Y-35.5%-44.8%-0.09%株主還元を見る業界別リターン: 6NCA過去 1 年間で-44.8 % の収益を上げたGerman Software業界を上回りました。リターン対市場: 6NCAは、過去 1 年間で-0.1 % のリターンを上げたGerman市場を下回りました。価格変動Is 6NCA's price volatile compared to industry and market?6NCA volatility6NCA Average Weekly Movement11.5%Software Industry Average Movement6.1%Market Average Movement6.0%10% most volatile stocks in DE Market13.1%10% least volatile stocks in DE Market2.7%安定した株価: 6NCAの株価は、 German市場と比較して過去 3 か月間で変動しています。時間の経過による変動: 6NCAの weekly volatility ( 11% ) は過去 1 年間安定していますが、依然としてGermanの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト20111,684Sean Desmondwww.ncino.comnCino,Inc.は、SaaS企業として、米国、英国、および国際的な金融機関にソフトウェア・ソリューションを提供している。同社は商業銀行業務、消費者銀行業務、中小企業銀行業務、住宅ローン、財務管理ソリューションを提供している。同社のソリューションには、与信・非与信のオンボーディング、商業口座開設、企業レベルのオンボーディングなどがあり、自動化、データの一元化、コンプライアンス・ツールなどの機能を提供している。また、自動本人確認機能により、KYC/AML規制のコンプライアンス維持を支援し、PlaidやAlloyなどの企業と提携することで、認証を合理化し、不正行為を削減している。中小企業向けローン組成ソリューションでは、自動化と機械学習を活用して申請を簡素化し、承認を迅速化する一方、住宅ローンソリューションでは、住宅購入プロセスを一元化し、契約完了までの時間を短縮する。さらに、クラウドベースのモバイル・ファーストの住宅取得ソフトウェア・ソリューションであるSimpleNexusを提供しており、住宅ローン・プロセスの人、システム、段階をシームレスなエンド・ツー・エンドの旅へと支援している。nCino, Inc.は2011年に設立され、ノースカロライナ州ウィルミントンに本社を置いている。もっと見るnCino, Inc. 基礎のまとめnCino の収益と売上を時価総額と比較するとどうか。6NCA 基礎統計学時価総額€1.55b収益（TTM）€4.41m売上高(TTM)€506.52m340.0xPER（株価収益率3.0xP/Sレシオ6NCA は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計6NCA 損益計算書（TTM）収益US$594.78m売上原価US$233.40m売上総利益US$361.38mその他の費用US$356.20m収益US$5.18m直近の収益報告Jan 31, 2026次回決算日該当なし一株当たり利益（EPS）0.048グロス・マージン60.76%純利益率0.87%有利子負債／自己資本比率20.0%6NCA の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/12 23:14終値2026/05/12 00:00収益2026/01/31年間収益2026/01/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋nCino, Inc. 15 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。22 アナリスト機関Joseph VruwinkBairdSaket KaliaBarclaysKoji IkedaBofA Global Research19 その他のアナリストを表示
お知らせ • Apr 30nCino, Inc., Annual General Meeting, Jun 18, 2026nCino, Inc., Annual General Meeting, Jun 18, 2026.
お知らせ • Apr 24nCino, Inc. Appoints Nick Edwards as Managing Director for APAC RegionnCino, Inc. announced Nick Edwards as the new Managing Director for the APAC region. Edwards is a seasoned commercial and regional leader with deep expertise across financial services. With nearly two decades of experience across the region, he has developed an intimate understanding of the unique dynamics, customer needs and market opportunities that define financial services in the Asia-Pacific region. Most recently, Edwards served as Chief Commercial Officer, APAC at FNZ Group. Prior to that, he spent more than six years at Temenos and other financial services providers in various leadership roles.
お知らせ • Apr 08nCino Inc Highlights New Customer Results from Analyst Digital PartnernCino, Inc. highlighted new customer results from nCino Analyst Digital Partner, a role-based AI agent. Built on over 14 years of banking-specific data, Analyst Digital Partner works alongside human credit professionals to transform how financial institutions manage relationship reviews and portfolio risk. Relationship reviews are among the most time-consuming responsibilities in commercial banking. Based on nCino customer interview research, bankers spend anywhere from two days to a full week completing a single relationship review. Utilizing Analyst Digital Partner within nCino Commercial Lending, institutions are already reducing that effort by 60–70%, enabling credit teams to reinvest that time in higher-value work. The operational impact extends beyond individual reviews. With this level of efficiency, institutions can shift from annual or quarterly review cadences to weekly or even daily cycles, enabling more proactive portfolio risk management that helps protect and grow the credit portfolio. One enterprise-sized U.S. financial institution went live with Analyst Digital Partner in just 36 minutes. From the C-suite to the front line, nCino’s Digital Partners are built to work alongside banking professionals, handling the high-volume, time-intensive work that slows teams down so humans can focus on the decisions, relationships and judgment calls that drive the business forward. nCino's dual workforce vision positions AI and human talent as a unified team rather than parallel workstreams. Analyst Digital Partner is the first role-based agent to deliver on that vision at scale. Digital Partners are deployed, managed, measured and governed by nCino's Agentic Operating System (AOS). The AOS sits atop the nCino Platform and delivers banking specific guardrails for how AI agents and humans work together across a financial institution's entire operational ecosystem. Analyst Digital Partner isn't just bringing value to commercial credit professionals. For mortgage underwriters, it works the same way, eliminating manual effort, surfacing what matters and keeping originations moving. Doc VOI and AUS Smart Tasks are two of its core mortgage capabilities: one eliminates the manual effort of income verification, the other transforms AUS findings into clear action. Together, they close the gap between submission and clear-to-close.
お知らせ • Apr 01+ 1 more updatenCino, Inc. Provides Earnings Guidance for its First Quarter Ending April 30, 2026 and Fiscal Year 2027 Ending January 31, 2027nCino provided earnings guidance for its first quarter ending April 30, 2026 and fiscal year 2027 ending January 31, 2027. The company is providing guidance for its first quarter ending April 30, 2026, Total revenues between $154.5 million and $156.5 million. Subscription revenues between $137.0 million and $139.0 million. The company is providing guidance for its fiscal year 2027 ending January 31, 2027, as follows: Total revenues between $639.0 million and $643.0 million. Subscription revenues between $569.0 million and $573.0 million.
お知らせ • Mar 16nCino , Inc Launches Doc VOI Feature Within nCino Mortgage SolutionnCino, Inc. announced the launch of nCino Doc VOI powered by Argyle, a new feature within the nCino Mortgage Solution designed to help banks, credit unions and independent mortgage lenders verify borrower income more efficiently. Lenders increasingly automate verification of income (VOI), a critical requirement in mortgage underwriting, using direct-source, consumer-permissioned connections to payroll and bank account data. These real-time connections can satisfy income verification requirements in a majority of loan files. When they are unavailable, lenders traditionally rely on time-consuming manual review of borrower-provided paystubs and W-2s. nCino Doc VOI replaces that manual process with automated data extraction and analysis, enabling fast, cost-effective income verification across the mortgage pipeline. nCino Doc VOI integrates with Freddie Mac AIM Check API, allowing lenders to submit document-derived income data to the API for automated income assessment early in the underwriting process, prior to a full Loan Product Advisor® (LPA®) submission. This document-based income verification can also support assessment of representation and warranty relief eligibility related to the income calculation when submitted to LPA. nCino Mortgage customers can activate nCino Doc VOI directly within the nCino Mortgage Solution without the need to contract separately with Argyle.
お知らせ • Feb 16nCino, Inc. to Report Q4, 2026 Results on Mar 31, 2026nCino, Inc. announced that they will report Q4, 2026 results After-Market on Mar 31, 2026
お知らせ • Apr 30nCino, Inc., Annual General Meeting, Jun 18, 2026nCino, Inc., Annual General Meeting, Jun 18, 2026.
お知らせ • Apr 24nCino, Inc. Appoints Nick Edwards as Managing Director for APAC RegionnCino, Inc. announced Nick Edwards as the new Managing Director for the APAC region. Edwards is a seasoned commercial and regional leader with deep expertise across financial services. With nearly two decades of experience across the region, he has developed an intimate understanding of the unique dynamics, customer needs and market opportunities that define financial services in the Asia-Pacific region. Most recently, Edwards served as Chief Commercial Officer, APAC at FNZ Group. Prior to that, he spent more than six years at Temenos and other financial services providers in various leadership roles.
お知らせ • Apr 08nCino Inc Highlights New Customer Results from Analyst Digital PartnernCino, Inc. highlighted new customer results from nCino Analyst Digital Partner, a role-based AI agent. Built on over 14 years of banking-specific data, Analyst Digital Partner works alongside human credit professionals to transform how financial institutions manage relationship reviews and portfolio risk. Relationship reviews are among the most time-consuming responsibilities in commercial banking. Based on nCino customer interview research, bankers spend anywhere from two days to a full week completing a single relationship review. Utilizing Analyst Digital Partner within nCino Commercial Lending, institutions are already reducing that effort by 60–70%, enabling credit teams to reinvest that time in higher-value work. The operational impact extends beyond individual reviews. With this level of efficiency, institutions can shift from annual or quarterly review cadences to weekly or even daily cycles, enabling more proactive portfolio risk management that helps protect and grow the credit portfolio. One enterprise-sized U.S. financial institution went live with Analyst Digital Partner in just 36 minutes. From the C-suite to the front line, nCino’s Digital Partners are built to work alongside banking professionals, handling the high-volume, time-intensive work that slows teams down so humans can focus on the decisions, relationships and judgment calls that drive the business forward. nCino's dual workforce vision positions AI and human talent as a unified team rather than parallel workstreams. Analyst Digital Partner is the first role-based agent to deliver on that vision at scale. Digital Partners are deployed, managed, measured and governed by nCino's Agentic Operating System (AOS). The AOS sits atop the nCino Platform and delivers banking specific guardrails for how AI agents and humans work together across a financial institution's entire operational ecosystem. Analyst Digital Partner isn't just bringing value to commercial credit professionals. For mortgage underwriters, it works the same way, eliminating manual effort, surfacing what matters and keeping originations moving. Doc VOI and AUS Smart Tasks are two of its core mortgage capabilities: one eliminates the manual effort of income verification, the other transforms AUS findings into clear action. Together, they close the gap between submission and clear-to-close.
お知らせ • Apr 01+ 1 more updatenCino, Inc. Provides Earnings Guidance for its First Quarter Ending April 30, 2026 and Fiscal Year 2027 Ending January 31, 2027nCino provided earnings guidance for its first quarter ending April 30, 2026 and fiscal year 2027 ending January 31, 2027. The company is providing guidance for its first quarter ending April 30, 2026, Total revenues between $154.5 million and $156.5 million. Subscription revenues between $137.0 million and $139.0 million. The company is providing guidance for its fiscal year 2027 ending January 31, 2027, as follows: Total revenues between $639.0 million and $643.0 million. Subscription revenues between $569.0 million and $573.0 million.
お知らせ • Mar 16nCino , Inc Launches Doc VOI Feature Within nCino Mortgage SolutionnCino, Inc. announced the launch of nCino Doc VOI powered by Argyle, a new feature within the nCino Mortgage Solution designed to help banks, credit unions and independent mortgage lenders verify borrower income more efficiently. Lenders increasingly automate verification of income (VOI), a critical requirement in mortgage underwriting, using direct-source, consumer-permissioned connections to payroll and bank account data. These real-time connections can satisfy income verification requirements in a majority of loan files. When they are unavailable, lenders traditionally rely on time-consuming manual review of borrower-provided paystubs and W-2s. nCino Doc VOI replaces that manual process with automated data extraction and analysis, enabling fast, cost-effective income verification across the mortgage pipeline. nCino Doc VOI integrates with Freddie Mac AIM Check API, allowing lenders to submit document-derived income data to the API for automated income assessment early in the underwriting process, prior to a full Loan Product Advisor® (LPA®) submission. This document-based income verification can also support assessment of representation and warranty relief eligibility related to the income calculation when submitted to LPA. nCino Mortgage customers can activate nCino Doc VOI directly within the nCino Mortgage Solution without the need to contract separately with Argyle.
お知らせ • Feb 16nCino, Inc. to Report Q4, 2026 Results on Mar 31, 2026nCino, Inc. announced that they will report Q4, 2026 results After-Market on Mar 31, 2026
お知らせ • Dec 09nCino, Inc. (NasdaqGS:NCNO) announces an Equity Buyback for $100 million worth of its shares.nCino, Inc. (NasdaqGS:NCNO) announces a stock repurchase program. Under the program, the company will repurchase up to $100 million worth of its outstanding common stock. The program will be funded using existing cash and cash equivalents, credit facility capacity and/or future cash flows.
お知らせ • Dec 04+ 1 more updatenCino, Inc. Provides Earnings Guidance for the Fourth Quarter and Fiscal Year Ending January 31, 2026nCino, Inc. provided earnings guidance for the fourth quarter and fiscal year ending January 31, 2026. For the quarter, the company expects total revenues between $146.75 million and $148.25 million. Subscription revenues between $130.75 million and $132.25 million. For the year, the company expects total revenues between $591.9 million and $593.4 million. Subscription revenues between $520.5 million and $522.0 million.
お知らせ • Nov 14nCino, Inc. to Report Q3, 2026 Results on Dec 03, 2025nCino, Inc. announced that they will report Q3, 2026 results After-Market on Dec 03, 2025
お知らせ • Aug 27nCino, Inc. Provides Earnings Guidance for the Third Quarter Ending October 31, 2025 and Fiscal Year 2026 Ending January 31, 2026nCino, Inc. provided earnings guidance for the third quarter ending October 31, 2025 and fiscal year 2026 ending January 31, 2026. For the quarter, Company expects Total revenues between $146.0 million and $148.0 million. Subscription revenues between $127.5 million and $129.5 million. For the fiscal year, Company expects Total revenues between $585.0 million and $589.0 million. Subscription revenues between $513.5 million and $517.5 million.
お知らせ • Aug 14nCino, Inc. to Report Q2, 2026 Results on Aug 26, 2025nCino, Inc. announced that they will report Q2, 2026 results at 4:00 PM, US Eastern Standard Time on Aug 26, 2025
お知らせ • May 29+ 1 more updatenCino, Inc. Revises Earnings Guidance for the Year Ending January 31, 2026nCino, Inc. revised earnings guidance for the year ending January 31, 2026. For the year ending January 31, 2026, Taking all this together, the company now expects total revenues of $578.5 million to $582.5 million, up from prior guidance range of $574.5 million to $578.5 million, representing approximately 7% growth at the midpoint of the range. The company now expects subscription revenues to be $507 million to $511 million, up from $503 million to $507 million. Updated guidance for subscription revenues represents approximately 8.5% growth at the midpoint of the range. Excluding currency fluctuations, organic subscription revenue growth rate in fiscal '26 is expected to be approximately 5% at the midpoint of the range up from the 4% noted on Fourth Quarter earnings call.
お知らせ • May 20Ncino, Inc. Unveils Transformative Ai-Powered Banking Solutions At Nsight 2025nCino, Inc. announced new AI-powered innovations at its annual nSight Conference. Designed to enhance how nCino customers can leverage the nCino Platform as AI becomes embedded across all its solutions, these advances underscore the Company's commitment to helping financial institutions improve efficiency, enforce more proactive risk management, and better meet the evolving demands of today's consumers. In his first keynote as nCino's CEO, Sean Desmond outlined the Company's evolution from workflow pioneer to global data and intelligence leader, declaring " a new era in financial services" powered by nCino's enhanced AI and automation capabilities. nCino's latest product enhancements leverage advanced AI to tackle key challenges in financial services, including operations analytics, smarter risk management, personalized customer experiences, and streamlined compliance processes. With 18 Banking Advisor capabilities that create 100s of use cases, nCino is offering solutions that are both forward-thinking and practical for real-world implementation. In addition to these product enhancements, the Company also unveiled the nCino Research Institute (nRI).
お知らせ • May 14nCino, Inc. to Report Q1, 2026 Results on May 28, 2025nCino, Inc. announced that they will report Q1, 2026 results After-Market on May 28, 2025
お知らせ • May 01nCino, Inc., Annual General Meeting, Jun 18, 2025nCino, Inc., Annual General Meeting, Jun 18, 2025.
お知らせ • Apr 02nCino, Inc. (NasdaqGS:NCNO) announces an Equity Buyback for $100 million worth of its shares.nCino, Inc. (NasdaqGS:NCNO) announces a stock repurchase program. Under the program, the company will repurchase up to $100 million worth of its outstanding common stock. The program will be funded using existing cash and cash equivalents, credit facility capacity and/or future cash flows.
お知らせ • Feb 17nCino, Inc. to Report Q4, 2025 Results on Apr 01, 2025nCino, Inc. announced that they will report Q4, 2025 results After-Market on Apr 01, 2025
お知らせ • Feb 11nCino, Inc. (NasdaqGS:NCNO) acquired AlphaPack, Co. for $62.5 million.nCino, Inc. (NasdaqGS:NCNO) acquired AlphaPack, Co. for $52.5 million on February 11, 2025. The purchase price for Sandbox Banking was $52.5 million in cash, subject to customary adjustments, with an additional earn-out opportunity of up to $10 million based on the achievement of certain financial and product development metrics. nCino, Inc. (NasdaqGS:NCNO) completed the acquisition of AlphaPack, Co. on February 11, 2025.
お知らせ • Feb 10nCino, Inc. Appoints Justin Nyweide to the Board of Director and Member of Audit CommitteenCino, Inc. announced that it has appointed Justin Nyweide to its Board of Directors, effective immediately. Mr. Nyweide will serve on the Board's Audit Committee. Justin has over two decades of experience investing in and partnering with growth companies globally in the technology, software, internet, and financial services industries. He is a Founding Partner and the Chief Investment Officer of HMI Capital. HMI Capital is a large shareholder of nCino and has a longstanding relationship with the Company and its management. Through this appointment, nCino’s Board will comprise of ten directors.
お知らせ • Feb 04+ 1 more updatenCino, Inc. Announces Chief Executive Officer ChangesnCino, Inc. announced the appointment of Sean Desmond as Chief Executive Officer, effective immediately. Desmond succeeds Pierre Naud, who will continue to be actively involved in the Company as Executive Chairman of the Board to ensure a smooth transition. Desmond joined nCino in 2013 initially as Chief Customer Success Officer, ensuring the successful delivery and implementation of the nCino Platform to financial institutions around the world. His remit at the Company progressively expanded, and he most recently served as nCino's Chief Product Officer, overseeing the Product Development &Engineering organization globally. In these roles, he managed approximately two-thirds of the company's employees.
お知らせ • Dec 05nCino, Inc. Provides Earnings Guidance for the Fourth Quarter and Fiscal Year Ending January 31, 2025nCino, Inc. provided earnings guidance for the fourth quarter and fiscal year ending January 31, 2025. For the quarter, the company expects total revenues to be between $139.5 million and $141.5 million. Subscription revenues to be between $122.5 million and $124.5 million. For the year, the company expects total revenues to be between $539.0 million and $541.0 million. Subscription revenues to be between $467.0 million and $469.0 million.
お知らせ • Nov 15nCino, Inc. to Report Q3, 2025 Results on Dec 04, 2024nCino, Inc. announced that they will report Q3, 2025 results After-Market on Dec 04, 2024
お知らせ • Oct 31nCino, Inc. (NasdaqGS:NCNO) entered into a share purchase agreement to acquire Artesian Solutions, Ltd. for $135 million.nCino, Inc. (NasdaqGS:NCNO) entered into a share purchase agreement to acquire Artesian Solutions, Ltd. for $135 million on October 29, 2024. The purchase price for FullCircl is $135 million in cash, subject to customary adjustments. $15 million of the Purchase Price will be retained by the Company for two years following the Closing as security for the performance of certain warranties and covenants arising under the SPA. A portion of the funds available under the Credit Agreement will be used to fund the purchase price. The acquisition is expected to close on or about November 4, 2024.
お知らせ • Oct 22HMI Capital Management Engages in Discussions with nCinoOn October 21, 2024, HMI Capital Management, L.P. announced that it has had, and intends to continue to have, constructive discussions with the Board of Directors of nCino, Inc. and management regarding Board composition, the Company’s valuation and total stockholder return, its investor messaging and disclosure, operations, capital allocation, corporate governance and the strategy and plans of the Company, including strategic transactions.
Reported Earnings • Aug 28Second quarter 2025 earnings released: US$0.096 loss per share (vs US$0.14 loss in 2Q 2024)Second quarter 2025 results: US$0.096 loss per share (improved from US$0.14 loss in 2Q 2024). Revenue: US$132.4m (up 13% from 2Q 2024). Net loss: US$11.0m (loss narrowed 31% from 2Q 2024). Revenue is forecast to grow 15% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 16% per year, which means it is significantly lagging earnings.
Breakeven Date Change • Aug 28Forecast breakeven date pushed back to 2027The 15 analysts covering nCino previously expected the company to break even in 2026. New consensus forecast suggests losses will reduce by 62% per year to 2026. The company is expected to make a profit of US$33.4m in 2027. Average annual earnings growth of 93% is required to achieve expected profit on schedule.
お知らせ • Aug 15nCino, Inc. to Report Q2, 2025 Results on Aug 27, 2024nCino, Inc. announced that they will report Q2, 2025 results After-Market on Aug 27, 2024
Recent Insider Transactions • Jun 14Co-Founder recently sold €396k worth of stockOn the 11th of June, Pierre Naude sold around 14k shares on-market at roughly €28.11 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €877k. Pierre has been a net seller over the last 12 months, reducing personal holdings by €2.4m.
Buy Or Sell Opportunity • May 31Now 25% undervalued after recent price dropOver the last 90 days, the stock has fallen 7.2% to €25.60. The fair value is estimated to be €34.06, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 27% over the last 3 years. Earnings per share has grown by 5.5%. Revenue is forecast to grow by 15% in a year. Earnings are forecast to grow by 56% in the next year.
Reported Earnings • May 30First quarter 2025 earnings released: US$0.026 loss per share (vs US$0.10 loss in 1Q 2024)First quarter 2025 results: US$0.026 loss per share (improved from US$0.10 loss in 1Q 2024). Revenue: US$128.1m (up 13% from 1Q 2024). Net loss: US$2.98m (loss narrowed 74% from 1Q 2024). Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 18% per year, which means it is significantly lagging earnings.
お知らせ • May 16nCino, Inc. to Report Q1, 2025 Results on May 29, 2024nCino, Inc. announced that they will report Q1, 2025 results After-Market on May 29, 2024
Recent Insider Transactions • May 07Co-Founder recently sold €877k worth of stockOn the 3rd of May, Pierre Naude sold around 31k shares on-market at roughly €28.23 per share. This transaction amounted to 2.7% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Pierre has been a net seller over the last 12 months, reducing personal holdings by €2.4m.
Breakeven Date Change • Apr 03Forecast to breakeven in 2026The 14 analysts covering nCino expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 44% to 2025. The company is expected to make a profit of US$1.15m in 2026. Average annual earnings growth of 97% is required to achieve expected profit on schedule.
お知らせ • Apr 03nCino, Inc. Unveils Latest Enhancements to its Consumer Banking SolutionnCino, Inc. announced a series of enhancements to its Consumer Banking Solution. The upgrades to nCino's platform provide bankers with the tools to interact with consumers where and how they want to engage, while providing a foundation of flexibility and agility. These tools enable financial institutions to stay ahead of market shifts and proactively meet the evolving needs of their clients and members. Key enhancements include: Expanded omnichannel functionality - enhancing client and member experiences with a streamlined application and shopping cart experience to reduce time to offer; Simplified multi-product origination experience - increasing operational efficiency with more intuitive workflows for front-end users and in-branch bankers; More robust headless APIs - connecting complex processes with an institution's own digital framework to reduce development and maintenance costs; Embedded analytics and Intelligent Cross-Sell functionality - incorporating data-driven insights that aid in faster time to decisioning; and Indirect lending functionality - allowing financial institutions to better connect indirect auto lending clients with their full suite of banking products via technology (Allegro) that nCino recently purchased from TruStage. The enhanced product functionality will be demoed at nSight, the Company's annual event where global banking professionals gather to network, learn best practices, and explore the latest industry trends and innovations. nSight is being held in Charlotte, North Carolina, from May 14 - 16, 2024.
Recent Insider Transactions • Apr 02Insider recently sold €657k worth of stockOn the 28th of March, April Rieger sold around 20k shares on-market at roughly €33.41 per share. This transaction amounted to 59% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €5.0m more than they bought in the last 12 months.
New Risk • Mar 28New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.9% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Currently unprofitable and not forecast to become profitable over next 2 years (US$461k net loss in 2 years). Shareholders have been diluted in the past year (2.9% increase in shares outstanding). Significant insider selling over the past 3 months (€2.0m sold).
Reported Earnings • Mar 27Full year 2024 earnings released: US$0.38 loss per share (vs US$0.93 loss in FY 2023)Full year 2024 results: US$0.38 loss per share (improved from US$0.93 loss in FY 2023). Revenue: US$476.5m (up 17% from FY 2023). Net loss: US$42.3m (loss narrowed 59% from FY 2023). Revenue is forecast to grow 15% p.a. on average during the next 3 years, compared to a 9.4% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has fallen by 20% per year, which means it is performing significantly worse than earnings.
お知らせ • Mar 20nCino, Inc. (NasdaqGS:NCNO) enter into definitive agreement to acquire DocFox, Inc. for $75 million.nCino, Inc. (NasdaqGS:NCNO) enter into definitive agreement to acquire DocFox, Inc. for $75 million on March 18, 2024. Keefe, Bruyette & Woods, Inc. acted as financial advisor to DocFox, Inc. and Wilson Sonsini Goodrich & Rosati, P.C. acted as legal advisor to DocFox, Inc. Sidley Austin LLP acted as legal advisor to nCino, Inc. (NasdaqGS:NCNO).
お知らせ • Feb 14nCino, Inc. to Report Q4, 2024 Results on Mar 26, 2024nCino, Inc. announced that they will report Q4, 2024 results After-Market on Mar 26, 2024
Recent Insider Transactions • Feb 07Co-Founder recently sold €331k worth of stockOn the 5th of February, Pierre Naude sold around 11k shares on-market at roughly €28.85 per share. This transaction amounted to 1.1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €399k. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.2m.
Buy Or Sell Opportunity • Jan 20Now 20% undervaluedOver the last 90 days, the stock has risen 10% to €29.60. The fair value is estimated to be €37.12, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 31% over the last 3 years. Earnings per share has declined by 15%. Revenue is forecast to grow by 33% in 2 years. Earnings are forecast to grow by 79% in the next 2 years.
Recent Insider Transactions • Jan 17Independent Director recently sold €321k worth of stockOn the 12th of January, Steven Collins sold around 10k shares on-market at roughly €32.15 per share. This transaction amounted to 15% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €399k. Insiders have been net sellers, collectively disposing of €4.1m more than they bought in the last 12 months.
Breakeven Date Change • Jan 10No longer forecast to breakevenThe 12 analysts covering nCino no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of US$10.7m in 2026. New consensus forecast suggests the company will make a loss of US$6.71m in 2026.
Breakeven Date Change • Dec 01Forecast to breakeven in 2026The 12 analysts covering nCino expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 42% per year to 2025. The company is expected to make a profit of US$2.77m in 2026. Average annual earnings growth of 68% is required to achieve expected profit on schedule.
Reported Earnings • Nov 30Third quarter 2024 earnings released: US$0.14 loss per share (vs US$0.21 loss in 3Q 2023)Third quarter 2024 results: US$0.14 loss per share (improved from US$0.21 loss in 3Q 2023). Revenue: US$121.9m (up 16% from 3Q 2023). Net loss: US$16.4m (loss narrowed 31% from 3Q 2023). Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 7.9% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has fallen by 26% per year, which means it is performing significantly worse than earnings.
お知らせ • Nov 30nCino, Inc. Provides Earnings Guidance for the Fourth Quarter and Fiscal Year Ending January 31, 2024nCino, Inc. provided earnings Guidance for the fourth quarter and fiscal year ending January 31, 2024. For the quarter, the company expects total revenues between $123.5 million and $125.5 million. Subscription revenues between $105.5 million and $107.5 million.For the year, the company expects total revenues between $476.5 million and $478.5 million. Subscription revenues between $407.5 million and $409.5 million.
お知らせ • Nov 15nCino, Inc. to Report Q3, 2024 Results on Nov 29, 2023nCino, Inc. announced that they will report Q3, 2024 results After-Market on Nov 29, 2023
Reported Earnings • Aug 30Second quarter 2024 earnings released: US$0.14 loss per share (vs US$0.25 loss in 2Q 2023)Second quarter 2024 results: US$0.14 loss per share (improved from US$0.25 loss in 2Q 2023). Revenue: US$117.2m (up 18% from 2Q 2023). Net loss: US$15.9m (loss narrowed 42% from 2Q 2023). Revenue is forecast to grow 15% p.a. on average during the next 3 years, compared to a 7.1% growth forecast for the Software industry in Germany. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has fallen by 31% per year, which means it is performing significantly worse than earnings.
お知らせ • Aug 30nCino, Inc. Provides Earnings Guidance for the Third Quarter Ending October 31, 2023 and Fiscal Year Ending January 31, 2024nCino, Inc. provided earnings Guidance for the third quarter ending October 31, 2023 and fiscal year ending January 31, 2024. For the quarter ending October 31, 2023, the company expects total revenues between $120.0 million and $121.0 million.For the year ending January 31, 2024, the company expects total revenues between $475.0 million and $478.5 million.
お知らせ • Aug 16nCino, Inc. to Report Q2, 2024 Results on Aug 29, 2023nCino, Inc. announced that they will report Q2, 2024 results After-Market on Aug 29, 2023
Recent Insider Transactions • Aug 06Co-Founder recently sold €317k worth of stockOn the 3rd of August, Pierre Naude sold around 12k shares on-market at roughly €27.53 per share. This transaction amounted to 1.0% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €322k. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.2m.
New Risk • Jun 21New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 11% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (11% average weekly change). Minor Risks Currently unprofitable and not forecast to become profitable next year (US$32m net loss next year). Significant insider selling over the past 3 months (€1.1m sold).
Recent Insider Transactions • Jun 14Co-Founder recently sold €322k worth of stockOn the 9th of June, Pierre Naude sold around 14k shares on-market at roughly €22.36 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.3m.
Reported Earnings • Jun 01First quarter 2024 earnings released: US$0.10 loss per share (vs US$0.28 loss in 1Q 2023)First quarter 2024 results: US$0.10 loss per share (improved from US$0.28 loss in 1Q 2023). Revenue: US$113.7m (up 21% from 1Q 2023). Net loss: US$11.2m (loss narrowed 63% from 1Q 2023). Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 8.3% growth forecast for the Software industry in Germany.
お知らせ • May 11nCino, Inc., Annual General Meeting, Jun 22, 2023nCino, Inc., Annual General Meeting, Jun 22, 2023, at 10:00 US Eastern Standard Time. Agenda: To elect the three Class III directors named in the proxy statement; to ratify the appointment of Ernst & Young LLP as independent registered public accounting firm for the fiscal year ending January 31, 2024; to conduct an advisory vote to approve the compensation paid to the Company’s named executive officers; and to transact such other business as may properly come before the meeting, or any adjournment or postponement thereof.
Recent Insider Transactions • Apr 11Co-Founder recently sold €244k worth of stockOn the 6th of April, Pierre Naude sold around 11k shares on-market at roughly €22.08 per share. This transaction amounted to 1.2% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth €342k. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.4m.
Reported Earnings • Mar 31Full year 2023 earnings released: US$0.93 loss per share (vs US$0.51 loss in FY 2022)Full year 2023 results: US$0.93 loss per share (further deteriorated from US$0.51 loss in FY 2022). Revenue: US$408.3m (up 49% from FY 2022). Net loss: US$102.7m (loss widened 108% from FY 2022). Revenue is forecast to grow 16% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Software industry in Germany.
お知らせ • Feb 15nCino, Inc. to Report Q4, 2023 Results on Mar 28, 2023nCino, Inc. announced that they will report Q4, 2023 results After-Market on Mar 28, 2023
Recent Insider Transactions • Feb 09Co-Founder recently sold €342k worth of stockOn the 3rd of February, Pierre Naude sold around 12k shares on-market at roughly €28.49 per share. This transaction amounted to 1.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Pierre has been a net seller over the last 12 months, reducing personal holdings by €1.6m.
お知らせ • Jan 19+ 1 more updatenCino, Inc. Reaffirms Revenue Guidance for the Fourth Quarter and Fiscal Year Ending January 31, 2023nCino, Inc. reaffirmed revenue guidance for the fourth quarter and fiscal year ending January 31, 2023. For the quarter, the company expects total revenues between $104 million and $105 million.For the year, the company expects total revenues between $403 million and $404 million.
Recent Insider Transactions • Jan 13Insider recently sold €149k worth of stockOn the 10th of January, Matthew Hansen sold around 6k shares on-market at roughly €24.36 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €369k. Insiders have been net sellers, collectively disposing of €11m more than they bought in the last 12 months.
Board Change • Jan 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 2 highly experienced directors. Director Bill Spruill was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Dec 02Third quarter 2023 earnings released: US$0.21 loss per share (vs US$0.14 loss in 3Q 2022)Third quarter 2023 results: US$0.21 loss per share (further deteriorated from US$0.14 loss in 3Q 2022). Revenue: US$105.3m (up 50% from 3Q 2022). Net loss: US$23.6m (loss widened 73% from 3Q 2022). Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 7.8% growth forecast for the Software industry in Germany.
お知らせ • Dec 01nCino, Inc. Provides Revenue Guidance for Its Fourth Quarter and Fiscal Year Ending January 31, 2023nCino, Inc. provided revenue guidance for its fourth quarter and fiscal year ending January 31, 2023. For the quarter, the company expects total revenues between $104 million and $105 million.For its fiscal year 2023 ending January 31, 2023, the company expects total revenues between $403 million and $404 million.
お知らせ • Nov 30nCino Appoints William (Bill) Spruill to Its Board of DirectorsnCino announced that it has appointed William (Bill) Spruill to its Board of Directors. Spruill is the co-founder and former CEO of Global Data Consortium (GDC), a leading provider and industry expert in global electronic identity verification. During his tenure as CEO, he oversaw the formation of more than 50 enterprise channel relationships and established a cohort of more than 120 data suppliers creating a unique and successful consortium business model to deliver high quality identity data in near real-time for over 70 countries. Earlier this year, GDC was acquired by the London Stock Exchange Group (LSEG) for $300 million making it one of the largest minority founder exits in the enterprise technology sector in U.S. history.Spruill joins Pam Kilday, former head of operations of Truist Financial; Steven Collins, former EVP & CFO of ExactTarget; Jon Doyle, member of the board of directors of, and current vice chairman, senior managing principal and head of the financial services group at, Piper Sandler; Jeffrey Horing, managing director at Insight Partners; William Ruh, president of Cairn Capital Management; Spencer Lake, former vice chairman of global banking and markets at HSBC; and Pierre Naudé, Chairman and Chief Executive Officer of nCino, on nCino's Board of Directors.
お知らせ • Nov 15nCino, Inc. to Report Q3, 2023 Results on Nov 30, 2022nCino, Inc. announced that they will report Q3, 2023 results After-Market on Nov 30, 2022
Recent Insider Transactions • Nov 05CFO & Treasurer recently sold €369k worth of stockOn the 2nd of November, David Rudow sold around 13k shares on-market at roughly €29.35 per share. This transaction amounted to 7.8% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. David has been a net seller over the last 12 months, reducing personal holdings by €682k.
Reported Earnings • Sep 03Second quarter 2023 earnings released: US$0.25 loss per share (vs US$0.14 loss in 2Q 2022)Second quarter 2023 results: US$0.25 loss per share (down from US$0.14 loss in 2Q 2022). Revenue: US$99.6m (up 50% from 2Q 2022). Net loss: US$27.2m (loss widened 99% from 2Q 2022). Over the next year, revenue is forecast to grow 34%, compared to a 7.8% growth forecast for the Software industry in Germany.
お知らせ • Sep 02+ 1 more updatenCino, Inc. Revises Earnings Guidance for the Fiscal Year 2023 Ending January 31, 2023nCino, Inc. revised earnings guidance for the fiscal year 2023 ending January 31, 2023. The company now increasing revenue outlook. For full fiscal year '23, the company now expects total revenues of $401.5 million to $403.5 million with subscription revenues of $341.5 million to $343.5 million.
お知らせ • Aug 16nCino, Inc. to Report Q2, 2023 Results on Sep 01, 2022nCino, Inc. announced that they will report Q2, 2023 results After-Market on Sep 01, 2022
Recent Insider Transactions • Aug 05Co-Founder recently sold €353k worth of stockOn the 2nd of August, Pierre Naude sold around 11k shares on-market at roughly €31.72 per share. In the last 3 months, there was an even bigger sale from another insider worth €3.4m. Pierre has been a seller over the last 12 months, reducing personal holdings by €1.2m.
お知らせ • Aug 04nCino, Inc. Announces Executive Leadership AppointmentsnCino, Inc. announced several new appointments across its executive leadership team to further support the Company’s continued growth, scale and product innovation. The following changes across nCino’s executive leadership team are effective immediately: Matt Hansen has been named Chief Product Officer of nCino, overseeing the Company’s Product Development & Engineering organization globally. In 2011, Hansen founded SimpleNexus, an nCino company, and served as its Chief Executive Officer for more than 10 years. Under his leadership, Hansen executed an ambitious, long-term vision of developing mobile-first technology for the modern mortgage lender to streamline the path to homeownership and address key industry pain points while preserving lender flexibility and efficiency. In this new role, Hansen will leverage his deep expertise in SaaS development and mobile applications, and his passion for building transformative technology to accelerate the Company’s development of innovative, best-in-class, cloud-based software across all lines of business. Jaime Punishill has been named Chief Market Officer (CMO) of nCino, taking over for Jonathan Rowe, Ph.D., who is taking on a new strategic role with the Company after serving as its CMO since 2012. Punishill is an innovative marketing executive with nearly three decades of experience in the technology and financial services sectors. He joins nCino from Lionbridge, a leading translation and localization company, where he has served as their Chief Marketing Officer for the past five years. During his tenure, he led a global rebrand, centralized Lionbridge’s global marketing function and oversaw brand stewardship, demand generation, product marketing, external and internal communications and voice-of-the-customer and advocacy programs. Prior to Lionbridge, Jaime served as Head of Brand Strategy and Digital Marketing at TIAA, a top financial services company, and previous to that was Global Head of Content and Digital Distribution at Thomson Reuters and Head of Digital Innovation for Citibank N.A. In his new role, Punishill will assume leadership of nCino’s global marketing organization.
Recent Insider Transactions • Jul 09Vice President of Accounting recently sold €144k worth of stockOn the 6th of July, Jeanette Sellers sold around 4k shares on-market at roughly €35.41 per share. In the last 3 months, there was an even bigger sale from another insider worth €3.4m. Insiders have been net sellers, collectively disposing of €9.7m more than they bought in the last 12 months.
お知らせ • Jun 28ncino, Inc. Appoints Chris Ainsworth as Chief People Officer and Executive Leadership TeamnCino, Inc. announced the appointment of Chris Ainsworth has joined the Company as its first Chief People Officer, serving as a member of the nCino Executive Leadership Team. For the past 25 years, Ainsworth has led people functions and teams in a range of industries including insurance, cards and payments, banking and capital markets. Most recently, he served as Global Chief Human Resources Officer of CFA Institute, a global association of investment professionals. Prior to CFA Institute, Ainsworth held senior talent and HR roles at institutions including TD Bank, American Express and GMAC Insurance. In his new role, Ainsworth will oversee nCino’s global talent functions, encompassing human resources (which also includes DE&I and community involvement and philanthropy), recruiting and employee training and enablement.
Recent Insider Transactions • Jun 08Independent Director recently sold €3.4m worth of stockOn the 6th of June, Jeffrey Lunsford sold around 100k shares on-market at roughly €33.69 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €7.3m more than they bought in the last 12 months.
Reported Earnings • Jun 03First quarter 2023 earnings released: US$0.28 loss per share (vs US$0.16 loss in 1Q 2022)First quarter 2023 results: US$0.28 loss per share (down from US$0.16 loss in 1Q 2022). Revenue: US$94.2m (up 51% from 1Q 2022). Net loss: US$30.7m (loss widened 105% from 1Q 2022). Over the next year, revenue is forecast to grow 40%, compared to a 13% growth forecast for the industry in Germany.
お知らせ • Jun 03nCino, Inc. Provides Earnings Guidance for the Second Quarter Ending July 31, 2022 and Full Year Ending January 31, 2023nCino, Inc. provided earnings guidance for the second quarter ending July 31, 2022 and full year ending January 31, 2023. For the second quarter, the company expects Total revenues between $97 million and $98 million.For the full year, the company expects Total revenues between $401 million and $403 million.
お知らせ • May 17nCino, Inc. to Report Q1, 2023 Results on Jun 01, 2022nCino, Inc. announced that they will report Q1, 2023 results After-Market on Jun 01, 2022
お知らせ • May 12nCino, Inc., Annual General Meeting, Jun 23, 2022nCino, Inc., Annual General Meeting, Jun 23, 2022, at 10:00 US Eastern Standard Time. Agenda: To consider the election of two Class II directors named in the proxy statement; to consider the ratification of the appointment of Ernst & Young LLP as independent registered public accounting firm for the fiscal year ending January 31, 2023; to consider the advisory vote on the compensation paid to named executive officers; to consider the advisory vote on the frequency of future advisory votes concerning the compensation of named executive officers; to consider a stockholder proposal regarding majority voting in uncontested director elections; and to consider the transaction of such other business as may properly come before the meeting, or any adjournment or postponement thereof.
Recent Insider Transactions • Apr 12Co-Founder recently sold €390k worth of stockOn the 6th of April, Pierre Naude sold around 10k shares on-market at roughly €40.00 per share. This was the largest sale by an insider in the last 3 months. This was Pierre's only on-market trade for the last 12 months.
Reported Earnings • Apr 02Full year 2022 earnings released: US$1.03 loss per share (vs US$0.46 loss in FY 2021)Full year 2022 results: US$1.03 loss per share (down from US$0.46 loss in FY 2021). Revenue: US$547.7m (up 168% from FY 2021). Net loss: US$99.6m (loss widened 146% from FY 2021). Over the next year, revenue is expected to shrink by 27% compared to a 15% growth forecast for the industry in Germany.
お知らせ • Apr 01nCino, Inc. Provides Revenue Guidance for the First Quarter Ending April 30, 2022; Provides Guidance for the Fiscal Year 2023 Ending January 31, 2023nCino, Inc. provided revenue guidance for the first quarter ending April 30, 2022 and fiscal year 2023 ending January 31, 2023. For the first quarter, the company expects total revenues between $91 million and $92 million.For the fiscal year 2023, the company expects total revenues between $398 million and $400 million.
お知らせ • Feb 16nCino, Inc. to Report Q4, 2022 Results on Mar 31, 2022nCino, Inc. announced that they will report Q4, 2022 results After-Market on Mar 31, 2022
お知らせ • Jan 12nCino Requests Nasdaq File A Form 25 to Withdraw the Shares of nCino OpCo Common Stock from Listing on NasdaqPrior to January 10, 2022, shares of nCino OpCo Common Stock were registered pursuant to Section 12(b) of the Exchange Act and listed on Nasdaq. As a result of the nCino Merger, nCino OpCo has requested that Nasdaq file a Form 25 to withdraw the shares of nCino OpCo Common Stock from listing on Nasdaq. The shares of nCino OpCo Common Stock will be suspended from trading on Nasdaq prior to the open of trading on January 10, 2022. nCino OpCo expects to file a Form 15 with the SEC to terminate the registration under the Exchange Act of the shares of nCino OpCo Common Stock, and suspend the reporting obligations under Sections 12(g) and 15(d) of the Exchange Act of nCino OpCo (except to the extent of the succession of nCino to the Exchange Act Section 12(b) registration and reporting obligations of nCino OpCo.
