Symbols / NCNO Stock $15.88 -4.51% nCino, Inc.

Technology • Software - Application • United States • NMS
NCNO (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Technology
Industry Software - Application
CEO Mr. Sean Desmond
Exch · Country NMS · United States
Market Cap 1.74B
Enterprise Value 1.98B
Income 13.26M
Sales 610.06M
FCF (ttm) 138.52M
Book/sh 9.27
Cash/sh 0.94
Employees 1,684
Insider 10d —
IPO Jul 14, 2020
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 132.33
Forward P/E 10.38
PEG —
P/S 2.85
P/B 1.71
P/C —
EV/EBITDA 27.63
EV/Sales 3.24
Quick Ratio 0.76
Current Ratio 0.89
Debt/Eq 33.19
LT Debt/Eq —
EPS (ttm) 0.12
EPS next Y 1.53
EPS Growth 147.60%
Revenue Growth 10.60%
EPS Gr Q/Q 145.30%
Rev Gr Q/Q —
Earnings (next) 2026-08-25
Earnings (prior) 2026-05-27
ROA 1.15%
ROE 1.81%
ROIC —
Gross Margin 61.61%
Oper. Margin 13.25%
Profit Margin 2.17%
Shs Outstand 109.55M
Shs Float 93.71M
Insider Own 2.93%
Instit Own 114.13%
Short Float 13.76%
Short Ratio 5.19
Short Interest 14.75M
52W High 33.92
vs 52W High -53.18%
52W Low 13.80
vs 52W Low 15.07%
Beta 0.72
Impl. Vol. 3.13%
Rel Volume 1.28
Avg Volume 3.35M
Volume 4.28M
Target (mean) $23.31
Tgt Median $23.00
Tgt Low $16.00
Tgt High $28.00
# Analysts 13
Recom Buy
Prev Close $16.63
Price $15.88
Change -4.51%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$23.31
Mean price target
2. Current target
$15.88
Latest analyst target
3. DCF / Fair value
$22.76
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$15.88
Low
$16.00
High
$28.00
Mean
$23.31

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-28 reit Needham Buy → Buy $25
2026-05-18 main Citizens Market Outperform → Market Outperform $23
2026-05-15 main Goldman Sachs Neutral → Neutral $21
2026-04-01 main Barclays Overweight → Overweight $22
2026-04-01 main Goldman Sachs Neutral → Neutral $24
2026-04-01 main Keefe, Bruyette & Woods Outperform → Outperform $24
2026-04-01 main Truist Securities Hold → Hold $19
2026-04-01 main Stephens & Co. Overweight → Overweight $26
2026-04-01 main Citizens Market Outperform → Market Outperform $32
2026-04-01 main Morgan Stanley Overweight → Overweight $23
2026-04-01 main Needham Buy → Buy $25
2026-04-01 up Piper Sandler Neutral → Overweight $22
2026-03-31 main Baird Outperform → Outperform $24
2026-03-30 main Morgan Stanley Overweight → Overweight $21
2026-03-24 main Barclays Overweight → Overweight $21
2026-02-18 main JP Morgan Neutral → Neutral $16
2026-01-05 main Barclays Overweight → Overweight $34
2025-12-17 init BTIG — → Neutral —
2025-12-04 main Truist Securities Hold → Hold $27
2025-12-04 reit Needham Buy → Buy $38
News
RSS: Latest NCNO news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-05 DESMOND SEAN Chief Executive Officer — 8,065 $4.98 $40,164
2026-05-05 DESMOND SEAN Chief Executive Officer — 16,589 $18.04 $299,266
2026-05-05 SELLERS JEANETTE E Officer — 3,695 $18.04 $66,658
2026-05-04 DESMOND SEAN Chief Executive Officer — 22,073 $18.02 $397,645
2026-05-04 RIEGER APRIL Officer — 9,693 $18.02 $174,619
2026-05-04 SELLERS JEANETTE E Officer — 1,486 $18.02 $26,770
2026-05-04 ORENSTEIN GREGORY D Chief Financial Officer — 14,650 $18.02 $263,920
2026-05-04 NAUDE PIERRE Director — 35,650 $18.02 $642,235
2026-05-01 SELLERS JEANETTE E Officer — 15,446 $0.00 $0
2026-05-01 DESMOND SEAN Chief Executive Officer — 703,661 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2026-01-31 2025-01-31 2024-01-31 2023-01-31
Total Revenue
594.78
+10.01%
540.66
+13.45%
476.54
+16.71%
408.31
Operating Revenue
594.78
+10.01%
540.66
+13.45%
476.54
+16.71%
408.31
Cost Of Revenue
234.61
+8.68%
215.87
+12.74%
191.47
+12.89%
169.61
Reconciled Cost Of Revenue
234.61
+8.68%
215.87
+12.74%
191.47
+12.89%
169.61
Gross Profit
360.17
+10.89%
324.79
+13.93%
285.07
+19.42%
238.71
Operating Expense
356.44
+3.94%
342.92
+5.65%
324.58
-2.45%
332.72
Research And Development
127.53
-1.46%
129.42
+10.32%
117.31
-3.51%
121.58
Selling General And Administration
228.91
+7.22%
213.50
+3.00%
207.27
-1.83%
211.15
Selling And Marketing Expense
136.56
+10.82%
123.23
-5.60%
130.55
+2.25%
127.67
General And Administrative Expense
92.35
+2.31%
90.27
+17.65%
76.73
-8.09%
83.48
Other Gand A
92.35
+2.31%
90.27
+17.65%
76.73
-8.09%
83.48
Total Expenses
591.05
+5.77%
558.79
+8.28%
516.05
+2.73%
502.33
Operating Income
3.73
+120.56%
-18.13
+54.11%
-39.51
+57.97%
-94.01
Total Operating Income As Reported
3.73
+120.56%
-18.13
+54.11%
-39.51
+57.97%
-94.01
EBITDA
66.42
+595.63%
9.55
+27.94%
7.46
+112.37%
-60.31
Normalized EBITDA
66.42
+595.63%
9.55
+27.94%
7.46
+112.37%
-60.31
Reconciled Depreciation
42.26
+16.26%
36.34
-19.70%
45.26
+30.62%
34.65
EBIT
24.16
+190.17%
-26.80
+29.11%
-37.80
+60.20%
-94.97
Net Income
5.18
+113.68%
-37.88
+10.55%
-42.35
+58.78%
-102.72
Pretax Income
6.71
+118.86%
-35.56
+15.20%
-41.94
+57.11%
-97.77
Net Non Operating Interest Income Expense
-16.03
-128.91%
-7.00
-346.56%
-1.57
+34.78%
-2.40
Interest Expense Non Operating
17.46
+99.21%
8.76
+111.92%
4.13
+47.31%
2.81
Net Interest Income
-16.03
-128.91%
-7.00
-346.56%
-1.57
+34.78%
-2.40
Interest Expense
17.46
+99.21%
8.76
+111.92%
4.13
+47.31%
2.81
Interest Income Non Operating
1.43
-18.85%
1.76
-31.40%
2.57
+536.97%
0.40
Interest Income
1.43
-18.85%
1.76
-31.40%
2.57
+536.97%
0.40
Other Income Expense
19.01
+282.30%
-10.43
-1118.11%
-0.86
+36.87%
-1.36
Other Non Operating Income Expenses
19.01
+282.30%
-10.43
-1118.11%
-0.86
+36.87%
-1.36
Tax Provision
-3.00
-19.32%
-2.51
-257.92%
1.59
-60.94%
4.07
Tax Rate For Calcs
0.00
+463.38%
0.00
-66.19%
0.00
+0.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
9.70
+129.36%
-33.05
+24.07%
-43.53
+57.26%
-101.84
Net Income From Continuing Operation Net Minority Interest
5.18
+113.68%
-37.88
+10.55%
-42.35
+58.78%
-102.72
Net Income From Continuing And Discontinued Operation
5.18
+113.68%
-37.88
+10.55%
-42.35
+58.78%
-102.72
Net Income Continuous Operations
9.70
+129.36%
-33.05
+24.07%
-43.53
+57.26%
-101.84
Minority Interests
-4.52
+6.34%
-4.83
-509.24%
1.18
+234.70%
-0.88
Normalized Income
5.18
+113.68%
-37.88
+10.55%
-42.35
+58.78%
-102.72
Net Income Common Stockholders
5.18
+113.68%
-37.88
+10.55%
-42.35
+58.78%
-102.72
Diluted EPS
0.05
+115.15%
-0.33
+13.16%
-0.38
+59.14%
-0.93
Basic EPS
0.05
+115.15%
-0.33
+13.16%
-0.38
+59.14%
-0.93
Basic Average Shares
112.88
-1.98%
115.16
+2.21%
112.67
+1.86%
110.62
Diluted Average Shares
114.35
-0.71%
115.16
+2.21%
112.67
+1.86%
110.62
Diluted NI Availto Com Stockholders
5.18
+113.68%
-37.88
+10.55%
-42.35
+58.78%
-102.72
Line Item Trend 2026-01-31
Total Assets
1,648.11
Current Assets
293.50
Cash Cash Equivalents And Short Term Investments
88.37
Cash And Cash Equivalents
88.37
Receivables
166.54
Accounts Receivable
139.73
Receivables Adjustments Allowances
-2.83
Other Receivables
29.64
Prepaid Assets
19.25
Current Deferred Assets
17.21
Other Current Assets
2.13
Total Non Current Assets
1,354.60
Net PPE
88.29
Gross PPE
118.11
Accumulated Depreciation
-29.82
Properties
0.00
Buildings And Improvements
56.38
Machinery Furniture Equipment
18.51
Construction In Progress
0.00
Other Properties
12.69
Leases
30.54
Goodwill And Other Intangible Assets
1,213.61
Goodwill
1,077.95
Other Intangible Assets
135.66
Investments And Advances
7.26
Non Current Deferred Assets
30.73
Other Non Current Assets
14.71
Total Liabilities Net Minority Interest
579.45
Current Liabilities
294.49
Payables And Accrued Expenses
30.09
Payables
14.52
Accounts Payable
14.52
Current Accrued Expenses
15.57
Pensionand Other Post Retirement Benefit Plans Current
24.80
Current Debt And Capital Lease Obligation
5.05
Current Capital Lease Obligation
5.05
Current Deferred Liabilities
224.86
Current Deferred Revenue
210.55
Other Current Liabilities
9.70
Total Non Current Liabilities Net Minority Interest
284.96
Long Term Debt And Capital Lease Obligation
273.65
Long Term Debt
213.50
Long Term Capital Lease Obligation
60.15
Non Current Deferred Liabilities
7.19
Non Current Deferred Revenue
0.17
Non Current Deferred Taxes Liabilities
7.02
Other Non Current Liabilities
4.12
Stockholders Equity
1,055.91
Common Stock Equity
1,055.91
Capital Stock
0.06
Common Stock
0.06
Preferred Stock
0.00
Share Issued
118.87
Ordinary Shares Number
113.90
Treasury Shares Number
4.96
Additional Paid In Capital
1,550.19
Retained Earnings
-375.77
Gains Losses Not Affecting Retained Earnings
7.04
Treasury Stock
125.60
Minority Interest
12.74
Other Equity Adjustments
7.04
Total Equity Gross Minority Interest
1,068.65
Total Capitalization
1,269.41
Working Capital
-0.99
Invested Capital
1,269.41
Total Debt
278.69
Net Debt
125.13
Capital Lease Obligations
65.19
Net Tangible Assets
-157.69
Tangible Book Value
-157.69
Line Item Trend 2026-01-31 2025-01-31 2024-01-31 2023-01-31
Operating Cash Flow
90.06
+63.16%
55.20
-3.64%
57.28
+472.44%
-15.38
Cash Flow From Continuing Operating Activities
90.06
+63.16%
55.20
-3.64%
57.28
+472.44%
-15.38
Net Income From Continuing Operations
9.70
+129.36%
-33.05
+24.07%
-43.53
+57.26%
-101.84
Depreciation Amortization Depletion
42.26
+16.26%
36.34
-19.70%
45.26
+30.62%
34.65
Depreciation And Amortization
42.26
+16.26%
36.34
-19.70%
45.26
+30.62%
34.65
Other Non Cash Items
20.93
+22.45%
17.09
+16.67%
14.65
+17.44%
12.48
Stock Based Compensation
73.88
+3.20%
71.59
+23.36%
58.03
+15.53%
50.23
Provisionand Write Offof Assets
1.72
+1918.82%
0.09
-92.14%
1.08
+34.12%
0.81
Deferred Tax
-6.19
+13.08%
-7.12
-204.19%
-2.34
-243.82%
1.63
Deferred Income Tax
-6.19
+13.08%
-7.12
-204.19%
-2.34
-243.82%
1.63
Operating Gains Losses
-17.46
-300.48%
8.71
+1463.73%
0.56
-64.02%
1.55
Gain Loss On Investment Securities
-1.65
—
-0.26
—
Unrealized Gain Loss On Investment Securities
—
0.00
+100.00%
-0.26
0.00
Net Foreign Currency Exchange Gain Loss
-16.27
-287.59%
8.68
+1194.78%
0.67
-56.72%
1.55
Gain Loss On Sale Of PPE
0.46
+1222.86%
0.04
-76.67%
0.15
0.00
Change In Working Capital
-34.78
+9.58%
-38.46
-133.97%
-16.44
-10.49%
-14.88
Change In Receivables
-16.18
+48.47%
-31.39
-119.12%
-14.32
+46.54%
-26.80
Changes In Account Receivables
-16.18
+48.47%
-31.39
-119.12%
-14.32
+46.54%
-26.80
Change In Prepaid Assets
0.18
+102.58%
-7.06
-477.14%
1.87
+154.53%
-3.43
Change In Payables And Accrued Expense
-1.04
-110.43%
9.97
+282.83%
-5.46
-364.34%
-1.18
Change In Accrued Expense
-2.15
-121.13%
10.16
+269.95%
-5.98
-394.30%
-1.21
Change In Payable
1.11
+683.16%
-0.19
-136.19%
0.53
+1400.00%
0.04
Change In Account Payable
1.11
+683.16%
-0.19
-136.19%
0.53
+1400.00%
0.04
Change In Other Working Capital
-14.22
-85.98%
-7.65
-237.67%
5.55
-73.92%
21.29
Change In Other Current Liabilities
-3.52
-50.56%
-2.34
+42.69%
-4.08
+14.35%
-4.77
Investing Cash Flow
-54.08
+75.33%
-219.18
-3363.61%
-6.33
+69.47%
-20.73
Cash Flow From Continuing Investing Activities
-54.08
+75.33%
-219.18
-3363.61%
-6.33
+69.47%
-20.73
Net PPE Purchase And Sale
-7.50
-313.05%
-1.82
+47.70%
-3.47
+81.07%
-18.34
Purchase Of PPE
-7.50
-313.05%
-1.82
+48.34%
-3.52
+80.83%
-18.34
Sale Of PPE
0.00
0.00
-100.00%
0.04
0.00
Capital Expenditure
-7.50
-313.05%
-1.82
+48.34%
-3.52
+80.83%
-18.34
Net Investment Purchase And Sale
3.68
0.00
+100.00%
-2.50
+0.00%
-2.50
Purchase Of Investment
0.00
0.00
+100.00%
-2.50
+0.00%
-2.50
Sale Of Investment
3.68
0.00
0.00
—
Net Business Purchase And Sale
-50.26
+76.83%
-216.91
0.00
-100.00%
0.68
Purchase Of Business
-50.26
+76.83%
-216.91
0.00
—
Net Other Investing Changes
—
-0.45
-26.40%
-0.36
+36.77%
-0.56
Financing Cash Flow
-73.03
-142.84%
170.48
+907.46%
-21.11
-157.51%
36.71
Cash Flow From Continuing Financing Activities
-73.03
-142.84%
170.48
+907.46%
-21.11
-157.51%
36.71
Net Issuance Payments Of Debt
47.50
-71.39%
166.00
+653.33%
-30.00
-200.00%
30.00
Issuance Of Debt
112.50
-53.32%
241.00
0.00
-100.00%
50.00
Repayment Of Debt
-65.00
+13.33%
-75.00
-150.00%
-30.00
-50.00%
-20.00
Long Term Debt Issuance
112.50
-53.32%
241.00
0.00
-100.00%
50.00
Long Term Debt Payments
-65.00
+13.33%
-75.00
-150.00%
-30.00
-50.00%
-20.00
Net Long Term Debt Issuance
47.50
-71.39%
166.00
+653.33%
-30.00
-200.00%
30.00
Net Common Stock Issuance
-125.10
0.00
0.00
0.00
Common Stock Payments
-125.10
0.00
0.00
—
Repurchase Of Capital Stock
-125.10
0.00
0.00
—
Proceeds From Stock Option Exercised
6.20
-14.66%
7.26
-20.44%
9.13
+11.34%
8.20
Net Other Financing Charges
-1.63
+41.35%
-2.79
-1046.50%
-0.24
+83.67%
-1.49
Changes In Cash
-37.05
-669.95%
6.50
-78.22%
29.84
+4824.75%
0.61
Effect Of Exchange Rate Changes
4.46
+266.79%
-2.68
-1570.88%
0.18
+111.47%
-1.59
Beginning Cash Position
121.27
+3.26%
117.44
+34.35%
87.42
-1.11%
88.40
End Cash Position
88.69
-26.87%
121.27
+3.26%
117.44
+34.35%
87.42
Free Cash Flow
82.56
+54.66%
53.38
-0.72%
53.77
+259.46%
-33.72
Interest Paid Supplemental Data
15.98
+82.70%
8.74
+102.67%
4.32
+64.88%
2.62
Income Tax Paid Supplemental Data
—
3.56
+12.64%
3.17
+376.66%
0.66
Common Stock Issuance
—
—
—
0.00
Issuance Of Capital Stock
—
—
—
0.00
Sale Of Business
—
—
—
0.68
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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