nCino 경영진
경영진 기준 점검 4/4
nCino CEO는 Sean Desmond, Feb2025 에 임명되었습니다 의 임기는 1.25 년입니다. 총 연간 보상은 $3.09M, 11.7% 급여 및 88.3% 보너스(회사 주식 및 옵션 포함)로 구성됩니다. 는 $21.13M 가치에 해당하는 회사 주식의 1.16% 직접 소유합니다. 경영진과 이사회의 평균 재임 기간은 3.3 년과 3.5 년입니다.
핵심 정보
Sean Desmond
최고경영자
US$3.1m
총 보수
| CEO 급여 비율 | 11.68% |
| CEO 재임 기간 | 1.3yrs |
| CEO 지분 보유율 | 1.2% |
| 경영진 평균 재임 기간 | 3.3yrs |
| 이사회 평균 재임 기간 | 3.5yrs |
최근 경영진 업데이트
Recent updates
내러티브 업데이트 • May 03
NCNO: AI Adoption And Banking Wins Will Support Future Repricing
The average analyst price target on nCino edges slightly lower to about $23.86 from $24.00, as analysts recalibrate expectations in response to a series of target cuts across the vertical software group that are only partly offset by a few upward revisions and an upgrade. Analyst Commentary Street research on nCino has turned more mixed, with a cluster of target cuts across the vertical software group and a smaller set of price target increases and an upgrade supporting the stock.내러티브 업데이트 • Apr 19
NCNO: AI Agent Adoption And Moat Resilience Will Support Repricing
Analysts have trimmed their average price targets on nCino by single to mid teens dollar amounts, with reductions of up to $15 partially offset by smaller $1 to $2 increases, as they reassess sector risks and the impact of AI on competitive moats in vertical software. Analyst Commentary Recent Street research on nCino points to a mixed setup, with several price target cuts offset by a smaller group of modest upward adjustments.내러티브 업데이트 • Apr 03
NCNO: AI Moat Resilience And Lending Workflow Adoption Will Support Repricing
The updated analyst price target for nCino has been revised to $24.00 from $33.14 as analysts reset valuation assumptions following a series of mixed target cuts and a few modest raises across the Street. Analyst Commentary Analysts are split on nCino, with several firms trimming price targets by wide margins while a smaller group is lifting targets or upgrading the stock.Seeking Alpha • Apr 01
nCino: The Picture Is Getting Better, But It's Not Cheap Enough For An Upgrade
Summary nCino delivered a strong Q4 FY2026, beating revenue and earnings expectations, and shares surged 19.4% after hours. Despite operational improvements and positive guidance for FY2027, NCNO remains a 'soft sell' due to elevated valuation, particularly on an EV/EBITDA basis. Growth is driven by expanding subscription revenue, international gains, and deepening customer relationships, with AI integration enhancing platform value and upsell potential. Management guides for FY2027 revenue of $639–$643 million and adjusted operating income of $165–$170 million, reflecting continued momentum but not enough for a rating upgrade. Read the full article on Seeking Alpha내러티브 업데이트 • Mar 20
NCNO: AI Moat Resilience And Mortgage Workflow Automation Will Support Repricing
Analysts trimmed nCino's price target to $16 from $30, citing broad concern that the rapid spread of AI could pressure competitive moats across vertical software names and weigh on valuation support. Analyst Commentary Recent Street research has centered on how rapid AI adoption could affect nCino's long term positioning and valuation.내러티브 업데이트 • Mar 05
NCNO: AI Moat Execution And Buybacks Will Support Future Repricing
Analysts have cut their price target on nCino to $16 from $30, citing broad pressure across vertical software names as rapid AI adoption raises fresh questions about competitive moats and long term defensibility. Analyst Commentary Bullish Takeaways Some bullish analysts see the lower US$16 price target as a reset that better aligns expectations with current sector sentiment, which can reduce pressure on nCino to deliver near term outperformance.
새 내러티브 • Mar 05
Slow AI Adoption And Tough Renewals Will Eventually Reward Patient Belief In Modernization
Catalysts About nCino nCino provides a unified cloud platform that financial institutions use to manage lending, onboarding, account opening and portfolio management. What are the underlying business or industry changes driving this perspective?내러티브 업데이트 • Feb 19
NCNO: AI Execution And Buybacks Will Support Future Multiple Expansion
Analysts have reduced their price target on nCino to $16 from $30. This reflects sector-wide pressure on vertical software valuations as rapid AI adoption raises new questions about competitive moats and long-term defensibility.
새 내러티브 • Feb 18
AI Banking Adoption And International Expansion Will Support A Stronger Long Term Outlook
Catalysts About nCino nCino provides a unified, cloud based operating platform that helps financial institutions run lending, onboarding, account opening and portfolio management. What are the underlying business or industry changes driving this perspective?분석 기사 • Feb 16
Some Confidence Is Lacking In nCino, Inc. (NASDAQ:NCNO) As Shares Slide 33%
The nCino, Inc. ( NASDAQ:NCNO ) share price has fared very poorly over the last month, falling by a substantial 33...내러티브 업데이트 • Jan 22
NCNO: Q3 Beat And Raise Setup May Drive Future Multiple Expansion
Narrative Update The analyst price target for nCino has been trimmed by about US$0.64 to reflect slightly lower fair value. Analysts still highlight what they see as an achievable near term setup, a potential Q3 beat and raise, and progress toward FY25 ACV and Rule of 40 goals that could support the current P/E multiple.내러티브 업데이트 • Jan 08
NCNO: Potential Q3 Beat And Raise Could Drive Multiple Expansion
Analysts recently trimmed their nCino fair value estimate by about $0.75 to roughly $34.79, tying the adjustment to updated views on achievable near term performance targets, potential Q3 "beat and raise" outcomes, and expectations that progress toward FY25 ACV and Rule of 40 goals could still support P/E multiple expansion over time. Analyst Commentary Bullish Takeaways Bullish analysts see the current setup as achievable in the near term, which they argue reduces execution risk around upcoming quarters.분석 기사 • Dec 01
Is nCino, Inc. (NASDAQ:NCNO) Trading At A 25% Discount?
Key Insights Using the 2 Stage Free Cash Flow to Equity, nCino fair value estimate is US$32.92 nCino's US$24.70 share...내러티브 업데이트 • Aug 28
AI-Driven Banking And Cloud Platforms Will Expand Global Reach
nCino’s price target has been raised to $35.18 as stronger-than-expected Q2 results, accelerating subscription growth, strategic expansion initiatives, and increasing confidence in margin improvement outweigh valuation concerns and near-term reacceleration risks. Analyst Commentary Positive Q2 results with subscription revenue and profit exceeding expectations, notably driven by better-than-expected mortgage volumes and strong execution, supporting upward estimate revisions.분석 기사 • Jul 29
nCino (NASDAQ:NCNO) Is Making Moderate Use Of Debt
The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...새 내러티브 • May 17
AI Banking And nSight Launch Will Broaden Digital Banking Services
Strategic pivot to AI banking and product enhancements are expected to drive revenue growth and improve customer retention and efficiency.분석 기사 • May 06
Estimating The Fair Value Of nCino, Inc. (NASDAQ:NCNO)
Key Insights The projected fair value for nCino is US$27.26 based on 2 Stage Free Cash Flow to Equity nCino's US$22.25...분석 기사 • Apr 04
Risks Still Elevated At These Prices As nCino, Inc. (NASDAQ:NCNO) Shares Dive 28%
To the annoyance of some shareholders, nCino, Inc. ( NASDAQ:NCNO ) shares are down a considerable 28% in the last...분석 기사 • Mar 26
Is nCino (NASDAQ:NCNO) A Risky Investment?
Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it seems the smart money knows that...Seeking Alpha • Jan 15
nCino, Inc.: Rising Rates Heavily Impact Growth Outlook (Rating Downgrade)
Summary I am downgrading nCino, Inc. to a hold rating due to macroeconomic pressures and heightened competition impacting growth prospects. The higher-for-longer interest rate environment is negatively affecting the US housing market, leading to reduced mortgage demand and higher churn for NCNO. Given these challenges, I see limited upside for NCNO in the near term and recommend staying away from the stock. Read the full article on Seeking Alpha분석 기사 • Jan 12
Is nCino, Inc. (NASDAQ:NCNO) Trading At A 23% Discount?
Key Insights nCino's estimated fair value is US$42.20 based on 2 Stage Free Cash Flow to Equity Current share price of...CEO 보수 분석
| 날짜 | 총 보수 | 급여 | 회사 수익 |
|---|---|---|---|
| Jan 31 2026 | n/a | n/a | US$5m |
| Oct 31 2025 | n/a | n/a | -US$22m |
| Jul 31 2025 | n/a | n/a | -US$34m |
| Apr 30 2025 | n/a | n/a | -US$29m |
| Jan 31 2025 | US$3m | US$361k | -US$38m |
| Oct 31 2024 | n/a | n/a | -US$18m |
| Jul 31 2024 | n/a | n/a | -US$29m |
| Apr 30 2024 | n/a | n/a | -US$34m |
| Jan 31 2024 | US$3m | US$328k | -US$42m |
| Oct 31 2023 | n/a | n/a | -US$65m |
| Jul 31 2023 | n/a | n/a | -US$72m |
| Apr 30 2023 | n/a | n/a | -US$83m |
| Jan 31 2023 | n/a | n/a | -US$103m |
| Oct 31 2022 | n/a | n/a | -US$89m |
| Jul 31 2022 | n/a | n/a | -US$79m |
| Apr 30 2022 | n/a | n/a | -US$65m |
| Jan 31 2022 | US$2m | US$290k | -US$49m |
보상 대 시장: Sean의 총 보수(USD3.09M)는 US 시장에서 비슷한 규모 기업의 평균(USD5.48M)보다 낮습니다.
보상과 수익: Sean의 보상은 지난 1년 동안 회사 실적과 일치했습니다.
CEO
Sean Desmond (51 yo)
1.3yrs
재임 기간
US$3,094,629
보수
Mr. Sean Desmond is CEO, President & Director of nCino, Inc. from February 3, 2025 and served as Chief Product Officer since 2024 until February 3, 2025 and served its as Chief Customer Success Officer sin...
리더십 팀
| 이름 | 직위 | 재임 기간 | 보수 | 지분 |
|---|---|---|---|---|
| Co-Founder & Chairman of the Board | 14.4yrs | US$8.50m | 1.02% $ 18.6m | |
| CEO, President & Director | 1.3yrs | US$3.09m | 1.16% $ 21.1m | |
| CFO & Treasurer | 3.3yrs | US$3.46m | 0.21% $ 3.9m | |
| Chief Legal & Administrative Officer and Corporate Secretary | 4.7yrs | US$2.42m | 0.052% $ 943.2k | |
| Director of Operations | no data | 데이터 없음 | 데이터 없음 | |
| Vice President of Accounting | no data | 데이터 없음 | 0.047% $ 851.6k | |
| Head of Information Technology | no data | 데이터 없음 | 데이터 없음 | |
| Executive Vice President of Strategic Operations | no data | 데이터 없음 | 데이터 없음 | |
| Senior VP of Global Banking Strategy & Customer Advisory | 4.7yrs | 데이터 없음 | 데이터 없음 | |
| Managing Director of Australia & New Zealand | no data | 데이터 없음 | 데이터 없음 | |
| Executive Vice President of Global Revenue | no data | 데이터 없음 | 데이터 없음 | |
| Chief Information Security Officer | 2.3yrs | 데이터 없음 | 데이터 없음 |
3.3yrs
평균 재임 기간
53yo
평균 나이
경험이 풍부한 관리: NCNO의 경영진은 경험이 있음으로 간주됩니다(평균 재임 3.3 년).
이사회 구성원
| 이름 | 직위 | 재임 기간 | 보수 | 지분 |
|---|---|---|---|---|
| Co-Founder & Chairman of the Board | 14.4yrs | US$8.50m | 1.02% $ 18.6m | |
| CEO, President & Director | 1.3yrs | US$3.09m | 1.16% $ 21.1m | |
| Independent Director | 13yrs | US$263.42k | 0.21% $ 3.9m | |
| Independent Director | 6.4yrs | US$223.11k | 0.064% $ 1.2m | |
| Lead Independent Director | 1.3yrs | 데이터 없음 | 0.0039% $ 71.2k | |
| Director | less than a year | 데이터 없음 | 데이터 없음 | |
| Independent Director | 6.4yrs | US$287.83k | 0.016% $ 298.0k | |
| Independent Director | 3.5yrs | US$247.48k | 0.020% $ 368.1k | |
| Director | less than a year | 데이터 없음 | 데이터 없음 |
3.5yrs
평균 재임 기간
58.5yo
평균 나이
경험이 풍부한 이사회: NCNO의 이사회는 경험이 있음으로 간주됩니다(평균 재임 3.5 년).
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/12 23:31 |
| 종가 | 2026/05/12 00:00 |
| 수익 | 2026/01/31 |
| 연간 수익 | 2026/01/31 |
데이터 소스
당사의 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.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 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 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
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산업 및 섹터 지표
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분석가 소스
nCino, 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.
| 분석가 | 기관 |
|---|---|
| Joseph Vruwink | Baird |
| Saket Kalia | Barclays |
| Koji Ikeda | BofA Global Research |