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NCNO nCino, Inc.

NASDAQ Global Select · Software - Application · Technology

$20.81
+0.15 (+0.73%)

nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analyt…

Market Cap: $2.28Bwww.ncino.com

Price (90d)

No price history yet — the daily price refresh runs once a day.

Signal Score (90d)

100
100
Aug 13Aug 13

Quote

Day Range
$20.23 – $20.92
52-Week Range
$13.80 – $33.92
Volume
$2.59M
Market Cap
$2.28B
50-Day Avg
$17.09
200-Day Avg
$19.44
Prev Close
$20.66
Open
$20.86

Valuation & Ratios

P/E Ratio
427.00
EPS
$0.05
P/B Ratio
2.28
P/S Ratio
4.05
Debt/Equity
0.26
Current Ratio
1.00
Dividend Yield
+0.0%
Gross Margin
+60.6%

Returns & Efficiency

Return on Equity
+0.5%
Return on Assets
+0.3%
FCF Yield
+3.4%
EV/EBITDA
39.15

Revenue & Net Income (Annual)

Fiscal YearRevenueNet IncomeEPS
2026$594.78M$5.18M$0.05
2025$540.66M$-37.88M$-0.33
2024$476.54M$-42.35M$-0.38
2023$408.31M$-102.72M$-0.93
2022$273.87M$-49.45M$-0.51

Social Signal Score

51
5d
51
2 mentions
30d
51
2 mentions
60d
51
2 mentions
90d
51
2 mentions
news: 2

Earnings

Tue, Aug 25(in 9 days)

Consensus estimate $0.27 per share

6of 7 quarters beat consensus

Typical surprise +31.2% (median, so one quarter with a near-zero estimate can't distort it)

  • Wed, May 27$0.33 vs $0.28beat
  • Tue, Mar 31$0.37 vs $0.21beat
  • Wed, Dec 3$0.31 vs $0.21beat
  • Tue, Aug 26$0.22 vs $0.14beat
  • Wed, May 28$0.16 vs $0.16beat
  • Tue, Apr 1$0.12 vs $0.18miss

Estimates and results for NCNO via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.

Valuation

Project earnings forward and see what return today's price implies.

EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.

EPS in 5 years
$0.07
Implied price
$1.21
Return from $20.81
-43.4% a year

To earn 15.0% a year on these assumptions you'd need to buy at $0.60 -97.1% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E1215182124
-2.0%-52.6%-50.4%-48.6%-47.0%-45.6%
3.0%-50.2%-47.9%-46.0%-44.3%-42.8%
8.0%-47.8%-45.4%-43.4%-41.6%-40.0%
13.0%-45.3%-42.9%-40.7%-38.9%-37.2%
18.0%-42.9%-40.3%-38.1%-36.2%-34.4%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

Mentions (2)

  • Newsglobenewswire.com·1d ago·Neutral

    nCino Announces Timing of its Second Quarter Fiscal Year 2027 Financial Results Conference Call WILMINGTON, N.C., Aug. 13, 2026 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the platform for agentic AI banking, will report financial results for its second quarter ended July 31, 2026, after the market close on Tuesday, August 25, 2026. nCino will host a conference call and webcast that day at 4:30 p.m. ET to discuss its financial results.

    View source ↗
  • Newsprnewswire.com·2d ago·Neutral

    nCino and Dun & Bradstreet Collaborate to Speed Client Onboarding and Enhance Lifecycle Management for Financial Institutions New integration brings the D&B Commercial Graph to the nCino Platform, giving institutions access to D&B verified business identity and risk context within the workflows they use every day JACKSONVILLE, Fla. and WILMINGTON, N.C.

    View source ↗