View ValuationnCino 향후 성장Future 기준 점검 4/6nCino (는) 각각 연간 58.4% 및 8.1% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 58.8% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 15.5% 로 예상됩니다.핵심 정보58.4%이익 성장률58.77%EPS 성장률Software 이익 성장0%매출 성장률8.1%향후 자기자본이익률15.47%애널리스트 커버리지Good마지막 업데이트29 Apr 2026최근 향후 성장 업데이트공지 • 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.공지 • 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.공지 • 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.Breakeven Date Change • Aug 13Forecast breakeven date moved forward to 2027The 15 analysts covering nCino previously expected the company to break even in 2028. New consensus forecast suggests losses will reduce by 69% to 2026. The company is expected to make a profit of US$2.73m in 2027. Average annual earnings growth of 106% is required to achieve expected profit on schedule.공지 • 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.공지 • 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.모든 업데이트 보기Recent updates공지 • Apr 30nCino, Inc., Annual General Meeting, Jun 18, 2026nCino, Inc., Annual General Meeting, Jun 18, 2026.공지 • 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.공지 • 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.공지 • 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.공지 • 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.공지 • 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, 2026공지 • 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.공지 • 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.공지 • 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, 2025Buy Or Sell Opportunity • Aug 27Now 25% overvalued after recent price riseOver the last 90 days, the stock has risen 23% to Mex$630. The fair value is estimated to be Mex$502, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 48%. Revenue is forecast to grow by 6.9% in a year. Earnings are forecast to grow by 84% in the next year.공지 • 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.공지 • 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, 2025Breakeven Date Change • Aug 13Forecast breakeven date moved forward to 2027The 15 analysts covering nCino previously expected the company to break even in 2028. New consensus forecast suggests losses will reduce by 69% to 2026. The company is expected to make a profit of US$2.73m in 2027. Average annual earnings growth of 106% is required to achieve expected profit on schedule.Reported Earnings • May 29First quarter 2026 earnings released: EPS: US$0.048 (vs US$0.026 loss in 1Q 2025)First quarter 2026 results: EPS: US$0.048 (up from US$0.026 loss in 1Q 2025). Revenue: US$144.1m (up 13% from 1Q 2025). Net income: US$5.56m (up US$8.54m from 1Q 2025). Profit margin: 3.9% (up from net loss in 1Q 2025). Revenue is forecast to grow 7.8% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Global Software industry.공지 • 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.공지 • 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).공지 • 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, 2025공지 • May 01nCino, Inc., Annual General Meeting, Jun 18, 2025nCino, Inc., Annual General Meeting, Jun 18, 2025.공지 • 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.공지 • 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, 2025공지 • 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.공지 • 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.공지 • 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.공지 • 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.공지 • 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, 2024공지 • 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.공지 • 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.공지 • 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, 2024공지 • 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, 2024공지 • 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.공지 • 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, 2024공지 • 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.공지 • 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 • Sep 02Second 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 12% growth forecast for the Global Software industry.Board Change • Sep 02Insufficient 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. 4 experienced directors. 3 highly experienced directors. Independent 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.이익 및 매출 성장 예측BMV:NCNO1 * - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수1/31/202976411222222751/31/202869962164174151/31/202764232135142151/31/202659558390N/A10/31/2025586-226067N/A7/31/2025573-346068N/A4/30/2025557-295255N/A1/31/2025541-385355N/A10/31/2024523-187173N/A7/31/2024506-297173N/A4/30/2024491-347880N/A1/31/2024477-425357N/A10/31/2023462-651927N/A7/31/2023445-72517N/A4/30/2023428-83-115N/A1/31/2023408-103-34-15N/A10/31/2022374-89-31-14N/A7/31/2022339-79-43-29N/A4/30/2022306-65-35-26N/A1/31/2022274-49-25-19N/A10/31/2021255-54-14-10N/A7/31/2021240-50-4-2N/A4/30/2021222-5158N/A1/31/2021204-4159N/A10/31/2020186-38410N/A7/31/2020170-35612N/A4/30/2020153-29-12-5N/A1/31/2020138-28-15-9N/A1/31/201992-22N/A-5N/A1/31/201858-19N/A-16N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: NCNO1 * 의 연간 예상 수익 증가율(58.4%)이 saving rate(9%)보다 높습니다.수익 vs 시장: NCNO1 * 의 연간 수익(58.4%)이 MX 시장(8.4%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: NCNO1 * 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: NCNO1 * 의 수익(연간 8.1%)이 MX 시장(연간 6.1%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: NCNO1 * 의 수익(연간 8.1%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: NCNO1 *의 자본 수익률은 3년 후 15.5%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YSoftware 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/12 06:16종가2026/02/27 00:00수익2026/01/31연간 수익2026/01/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스nCino, Inc.는 22명의 분석가가 다루고 있습니다. 이 중 15명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Joseph VruwinkBairdSaket KaliaBarclaysKoji IkedaBofA Global Research19명의 분석가 더 보기
공지 • 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.
공지 • 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.
공지 • 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.
Breakeven Date Change • Aug 13Forecast breakeven date moved forward to 2027The 15 analysts covering nCino previously expected the company to break even in 2028. New consensus forecast suggests losses will reduce by 69% to 2026. The company is expected to make a profit of US$2.73m in 2027. Average annual earnings growth of 106% is required to achieve expected profit on schedule.
공지 • 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.
공지 • 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.
공지 • Apr 30nCino, Inc., Annual General Meeting, Jun 18, 2026nCino, Inc., Annual General Meeting, Jun 18, 2026.
공지 • 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.
공지 • 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.
공지 • 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.
공지 • 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.
공지 • 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
공지 • 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.
공지 • 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.
공지 • 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
Buy Or Sell Opportunity • Aug 27Now 25% overvalued after recent price riseOver the last 90 days, the stock has risen 23% to Mex$630. The fair value is estimated to be Mex$502, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 48%. Revenue is forecast to grow by 6.9% in a year. Earnings are forecast to grow by 84% in the next year.
공지 • 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.
공지 • 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
Breakeven Date Change • Aug 13Forecast breakeven date moved forward to 2027The 15 analysts covering nCino previously expected the company to break even in 2028. New consensus forecast suggests losses will reduce by 69% to 2026. The company is expected to make a profit of US$2.73m in 2027. Average annual earnings growth of 106% is required to achieve expected profit on schedule.
Reported Earnings • May 29First quarter 2026 earnings released: EPS: US$0.048 (vs US$0.026 loss in 1Q 2025)First quarter 2026 results: EPS: US$0.048 (up from US$0.026 loss in 1Q 2025). Revenue: US$144.1m (up 13% from 1Q 2025). Net income: US$5.56m (up US$8.54m from 1Q 2025). Profit margin: 3.9% (up from net loss in 1Q 2025). Revenue is forecast to grow 7.8% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Global Software industry.
공지 • 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.
공지 • 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).
공지 • 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
공지 • May 01nCino, Inc., Annual General Meeting, Jun 18, 2025nCino, Inc., Annual General Meeting, Jun 18, 2025.
공지 • 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.
공지 • 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
공지 • 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.
공지 • 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.
공지 • 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.
공지 • 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.
공지 • 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
공지 • 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.
공지 • 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.
공지 • 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
공지 • 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
공지 • 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.
공지 • 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
공지 • 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.
공지 • 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 • Sep 02Second 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 12% growth forecast for the Global Software industry.
Board Change • Sep 02Insufficient 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. 4 experienced directors. 3 highly experienced directors. Independent 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.