How Investors Are Reacting To nCino (NCNO) Expanding Into Spain With AI-Powered Mortgage Solutions

• nCino has entered the Spanish market through a partnership with Baghdadi Capital Group and launched new AI-driven mortgage tools aimed at streamlining loan origination, as announced in recent company updates.
• This expansion into continental Europe and adoption of AI technology is positioned to increase nCino's international footprint and operational efficiencies in financial services.
• We'll explore how nCino's push into Spain and rollout of AI-based mortgage tools could impact its global growth outlook.

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nCino Investment Narrative Recap

To believe in the nCino story as a shareholder, you'd need confidence in its ability to scale internationally, especially into underpenetrated markets like Europe, while accelerating the adoption of new AI-powered products. The Spanish market entry and launch of mortgage AI tools signal incremental progress on both fronts, but their immediate impact on revenue diversification (the key short-term catalyst) and ongoing margin compression risk appears limited for now.

Among the recent developments, the partnership with Baghdadi Capital Group in Spain stands out as most closely aligned to current catalysts. By securing a new European client, nCino demonstrates momentum in international expansion, a factor analysts view as vital for reducing reliance on North America and supporting long-term global growth ambitions. However, the pace of international wins and how quickly these translate into meaningful revenue uplift remains a focal point for investors tracking future performance.

Yet, it’s important to recognize that despite these forward steps, ongoing high investment in AI and product integration brings margin pressure that investors should keep in mind if...

Read the full narrative on nCino (it's free!)

nCino's narrative projects $728.9 million revenue and $56.0 million earnings by 2028. This requires 8.3% yearly revenue growth and a $89.6 million earnings increase from -$33.6 million today.

Uncover how nCino's forecasts yield a $35.54 fair value, a 39% upside to its current price.

Exploring Other Perspectives

Five fair value estimates from the Simply Wall St Community span from US$17.51 to US$35.61 per share, reflecting a broad range of outlooks. While many are watching the effect of international wins on revenue growth, you can review these different views to see how opinions can shift in response to changing catalysts.

Explore 5 other fair value estimates on nCino - why the stock might be worth as much as 40% more than the current price!

Build Your Own nCino Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your nCino research is our analysis highlighting 3 key rewards that could impact your investment decision.
• Our free nCino research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate nCino's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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