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nCino, Inc. Stock Price

NasdaqGS:NCNO Community·US$2.4b Market Cap
  • 3 Narratives written by author
  • 0 Comments on narratives written by author
  • 16 Fair Values set on narratives written by author
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NCNO Share Price Performance

US$22.30
-8.78 (-28.25%)
​
US$23.08
Fair Value
US$22.30
-8.78 (-28.25%)
3.4% undervalued intrinsic discount
US$23.08
Fair Value
Price US$22.30
AnalystConsensusTarget US$23.08
AnalystHighTarget US$28.00
AnalystLowTarget US$18.06
Fri, 12 Jun 26
Fair ValueUS$23.08
Share Pricen/a

NCNO Community Narratives

AN
AnalystConsensusTarget
AnalystConsensusTarget's
Fair Value
·
Fair Value US$23.08 3.4% undervalued intrinsic discount

AI-Driven Banking And Cloud Platforms Will Expand Global Reach

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3users have followed this narrative
AN
AnalystHighTarget
AnalystHighTarget's
Fair Value
·
Fair Value US$28 20.4% undervalued intrinsic discount

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

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AN
AnalystLowTarget
AnalystLowTarget's
Fair Value
·
Fair Value US$18.06 23.5% overvalued intrinsic discount

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

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NCNO logo
nCino
23.5% overvalued intrinsic discount
Updated

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

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AN
AnalystLowTarget
AnalystLowTarget
Updated 26 Aug
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NCNO logo
nCino
20.4% undervalued intrinsic discount

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

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AN
AnalystHighTarget
AnalystHighTarget
Updated 26 Jun
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NCNO logo
nCino
3.4% undervalued intrinsic discount

AI-Driven Banking And Cloud Platforms Will Expand Global Reach

View narrative
AN
AnalystConsensusTarget
AnalystConsensusTarget
Updated 12 Jun
Read Narrative

Trending Discussion

No trending discussion available.

Recently Updated Narratives

AN
AnalystLowTarget
NCNO logo

NCNO: AI Progress Outside Mortgage Will Test Current Market Optimism

Fair Value: US$18.06 23.5% overvalued intrinsic discount
0 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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AN
AnalystHighTarget
NCNO logo

NCNO: AI Execution And Renewed Customer Deals Will Unlock Future Upside

Fair Value: US$28 20.4% undervalued intrinsic discount
0 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
AnalystConsensusTarget
NCNO logo

NCNO: AI Adoption And New Banking Wins Will Support Future Repricing

Fair Value: US$23.08 3.4% undervalued intrinsic discount
3 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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Snowflake Analysis

Moderate growth potential with acceptable track record.

1 Risk
3 Rewards
View Full Analysis

nCino, Inc. Key Details

US$622.2m

Revenue

US$234.9m

Cost of Revenue

US$387.3m

Gross Profit

US$353.7m

Other Expenses

US$33.6m

Earnings

Last Reported Earnings
Jul 31, 2026
Next Reporting Earnings
n/a
0.32
62.24%
5.40%
29.1%
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

Seeking Alpha • Aug 27

nCino: Despite A Strong Quarter, The Stock Is Too Expensive

Summary nCino delivered strong Q2 FY2027 results, with revenue and EPS surpassing analyst expectations and notable operational improvements across profitability metrics. NCNO's revenue growth was driven mainly by existing customers expanding platform usage, though new customer acquisition contributed 34.1% of subscription growth. Management guides FY2027 revenue to $644–$647 million and free cash flow to $137–$142 million, reflecting continued momentum and improved cash generation. I reaffirm a 'hold' rating due to elevated valuation, particularly on an EV/EBITDA basis, and concerns over aggressive share buybacks at current price levels. Read the full article on Seeking Alpha
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Narrative Update • Aug 26

NCNO: AI Progress Outside Mortgage Will Test Current Market Optimism

nCino's fair value estimate has been lifted by about $1.06 to $18.06 as analysts point to higher price targets following solid Q2 execution outside U.S. mortgage, progress on the new pricing model, and a view that the business is relatively well positioned on AI risk within banking software. Analyst Commentary Recent research on nCino reflects a mix of optimism around execution and pricing progress and some caution on how much of that story is already reflected in the valuation.

Recent updates

No updates

nCino, Inc. Competitors

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