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nCino, Inc. Stock Price

NasdaqGS:NCNO Community·US$1.8b Market Cap
  • 3 Narratives written by author
  • 0 Comments on narratives written by author
  • 14 Fair Values set on narratives written by author

NCNO Share Price Performance

US$16.08
-10.11 (-38.60%)
US$23.31
Fair Value
US$16.08
-10.11 (-38.60%)
31.0% undervalued intrinsic discount
US$23.31
Fair Value
Price US$16.08
AnalystConsensusTarget US$23.31
AnalystHighTarget US$41.00
AnalystLowTarget US$21.05

NCNO Community Narratives

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Fair Value US$23.31 31.0% undervalued intrinsic discount

AI-Driven Banking And Cloud Platforms Will Expand Global Reach

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·
Fair Value US$41 60.8% undervalued intrinsic discount

AI Banking Adoption And International Expansion Will Support A Stronger Long Term Outlook

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·
Fair Value US$21.05 23.6% undervalued intrinsic discount

Slow AI Adoption And Tough Renewals Will Eventually Reward Patient Belief In Modernization

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US$21.05
23.6% undervalued intrinsic discount
Profit Margin
12.52%
Future PE
32.06x
Price in 2029
US$27.16
US$41
60.8% undervalued intrinsic discount
Profit Margin
20.34%
Future PE
36.4x
Price in 2029
US$52.78

Trending Discussion

Updated Narratives

NCNO logo

NCNO: AI Integration And New Banking Wins Will Drive Future Repricing

Fair Value: US$23.31 31.0% undervalued intrinsic discount
3 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative
NCNO logo

Slow AI Adoption And Tough Renewals Will Eventually Reward Patient Belief In Modernization

Fair Value: US$21.05 23.6% undervalued intrinsic discount
0 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative
NCNO logo

AI Banking Adoption And International Expansion Will Support A Stronger Long Term Outlook

Fair Value: US$41 60.8% undervalued intrinsic discount
0 users have set this as their fair value
0 users have commented on this narrative
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Snowflake Analysis

Fair value with moderate growth potential.

2 Risks
4 Rewards

nCino, Inc. Key Details

US$610.1m

Revenue

US$234.2m

Cost of Revenue

US$375.9m

Gross Profit

US$362.6m

Other Expenses

US$13.3m

Earnings

Last Reported Earnings
Apr 30, 2026
Next Reporting Earnings
n/a
0.12
61.61%
2.17%
26.7%
View Full Analysis

About NCNO

Founded
2011
Employees
1684
CEO
Sean Desmond
WebsiteView website
www.ncino.com

nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.

Recent NCNO News & Updates

Narrative Update May 29

NCNO: AI Integration And New Banking Wins Will Drive Future Repricing

Analysts have trimmed nCino's fair value estimate to about $23.31 from roughly $23.86, as a series of price target cuts to $23 and $21 reflect both execution risk around deeper AI adoption and the view that current valuation already incorporates much of the long-term disruption risk, while still leaving room if the company successfully integrates AI into its platform. Analyst Commentary Recent research shows a split view on nCino, with several firms cutting price targets into the low US$20s while maintaining a range of ratings from Outperform to Neutral.
Seeking Alpha May 28

nCino Is Finally Investable After A Stellar Quarter (Upgrade)

Summary nCino, Inc. is upgraded from Sell to Hold after strong Q1 FY27 results and improved fundamentals. NCNO delivered 10.6% revenue growth to $159.4M, with margin expansion and robust international subscription growth. Management guides FY27 revenue to $642–646M and non-GAAP operating income to $166–171M, driven by subscription momentum. Valuation remains lofty on an EV/EBITDA basis, but rapid growth and margin gains support a more neutral outlook. Read the full article on Seeking Alpha

Recent updates

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