nCino (NCNO) Aandelenoverzicht
nCino, Inc., een software-as-a-service bedrijf, levert softwareoplossingen aan financiële instellingen in de Verenigde Staten, het Verenigd Koninkrijk en internationaal. Meer informatie
| Sneeuwvlok Score | |
|---|---|
| Waardering | 4/6 |
| Toekomstige groei | 3/6 |
| Prestaties in het verleden | 2/6 |
| Financiële gezondheid | 3/6 |
| Dividenden | 0/6 |
Beloningen
Risicoanalyse
NCNO Community Fair Values
Create NarrativeSee what 14 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
nCino, Inc. Concurrenten
Prijsgeschiedenis en prestaties
| Historische aandelenkoersen | |
|---|---|
| Huidige aandelenkoers | US$15.19 |
| 52 Week Hoogtepunt | US$33.92 |
| 52 Week Laag | US$13.80 |
| Bèta | 0.72 |
| 1 maand verandering | -13.64% |
| 3 maanden verandering | -8.66% |
| 1 Jaar Verandering | -43.28% |
| 3 jaar verandering | -44.74% |
| 5 jaar verandering | -75.32% |
| Verandering sinds IPO | -83.42% |
Recent nieuws en updates
Recent updates
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.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.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.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 AlphaNCNO: 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.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.
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?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.
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?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...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.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.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...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.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...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.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...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...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...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 AlphaIs 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...Rendement voor aandeelhouders
| NCNO | US Software | US Markt | |
|---|---|---|---|
| 7D | -1.8% | -1.0% | 1.3% |
| 1Y | -43.3% | -9.4% | 27.7% |
Rendement versus industrie: NCNO presteerde slechter dan de US Software -sector, die het afgelopen jaar een rendement van -9.4 % opleverde.
Rendement versus markt: NCNO presteerde slechter dan US Market, dat het afgelopen jaar een rendement van 27.7 % opleverde.
Prijsvolatiliteit
| NCNO volatility | |
|---|---|
| NCNO Average Weekly Movement | 7.1% |
| Software Industry Average Movement | 9.5% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.0% |
Stabiele aandelenkoers: NCNO heeft de afgelopen 3 maanden geen significante prijsvolatiliteit gekend vergeleken met de US markt.
Volatiliteit in de loop van de tijd: De wekelijkse volatiliteit ( 7% ) van NCNO is het afgelopen jaar stabiel geweest.
Over het bedrijf
| Opgericht | Werknemers | CEO | Website |
|---|---|---|---|
| 2011 | 1,684 | Sean Desmond | www.ncino.com |
nCino, Inc., een software-as-a-service bedrijf, levert software-oplossingen aan financiële instellingen in de Verenigde Staten, het Verenigd Koninkrijk en internationaal. Het biedt oplossingen op het nCino-platform, waaronder een Onboarding-oplossing die het onboarding-proces van klanten stroomlijnt en verbetert via een digitaal platform voor onboarding van kredieten en niet-kredieten, het openen van commerciële rekeningen en onboarding op ondernemingsniveau; en een oplossing voor het openen van rekeningen, waaronder een oplossing voor het openen van depositorekeningen voor consumenten en kleine bedrijven. Het bedrijf biedt ook Lending, dat een platform biedt voor het verstrekken van leningen voor commerciële, consumenten-, kleinzakelijke en hypothecaire leningen, zoals het Commercial Loan Origination System dat de levenscyclus van leningen automatiseert; de Consumer Lending-oplossing, die een omnichanneloplossing biedt met geautomatiseerde kredietbeslissingen en integraties; en de Small Business Loan Origination-oplossing voor automatisering en machine learning.
nCino, Inc. Samenvatting
| NCNO fundamentele statistieken | |
|---|---|
| Marktkapitalisatie | US$1.66b |
| Inkomsten(TTM) | US$5.18m |
| Inkomsten(TTM) | US$594.78m |
Is NCNO overgewaardeerd?
Zie Reële waarde en waarderingsanalyseInkomsten en omzet
| NCNO resultatenrekening (TTM) | |
|---|---|
| Inkomsten | US$594.78m |
| Kosten van inkomsten | US$233.40m |
| Brutowinst | US$361.38m |
| Overige uitgaven | US$356.20m |
| Inkomsten | US$5.18m |
Laatst gerapporteerde inkomsten
Jan 31, 2026
Volgende inkomensdatum
n.v.t.
| Winst per aandeel (EPS) | 0.048 |
| Brutomarge | 60.76% |
| Nettowinstmarge | 0.87% |
| Schuld/Eigen Vermogen Verhouding | 20.0% |
Hoe presteerde NCNO op de lange termijn?
Bekijk historische prestaties en vergelijkingBedrijfsanalyse en status van financiële gegevens
| Gegevens | Laatst bijgewerkt (UTC-tijd) |
|---|---|
| Bedrijfsanalyse | 2026/05/27 05:00 |
| Aandelenkoers aan het einde van de dag | 2026/05/27 00:00 |
| Inkomsten | 2026/01/31 |
| Jaarlijkse inkomsten | 2026/01/31 |
Gegevensbronnen
De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.
| Pakket | Gegevens | Tijdframe | Voorbeeld Amerikaanse bron * |
|---|---|---|---|
| Financiële gegevens bedrijf | 10 jaar |
| |
| Consensus schattingen analisten | +3 jaar |
|
|
| Marktprijzen | 30 jaar |
| |
| Eigendom | 10 jaar |
| |
| Beheer | 10 jaar |
| |
| Belangrijkste ontwikkelingen | 10 jaar |
|
* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.
Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.
Analysemodel en Snowflake
Details van het analysemodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina. We hebben ook handleidingen over hoe je onze rapporten kunt gebruiken en tutorials op YouTube.
Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.
Industrie en sector
Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.
Bronnen van analisten
nCino, Inc. wordt gevolgd door 22 analisten. 15 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.
| Analist | Instelling |
|---|---|
| Joseph Vruwink | Baird |
| Saket Kalia | Barclays |
| Koji Ikeda | BofA Global Research |