nCino (NCNO) Stock Price, News & Analysis

Company Overview

nCino, Inc. (NASDAQ: NCNO) is a cloud-based software company that provides a bank operating system designed to streamline and automate core banking processes. Built on the Salesforce platform, nCino’s solution suite supports functions such as loan origination, deposit account opening, treasury management, customer relationship management and regulatory compliance. By consolidating data and workflows into a single, unified interface, the company helps financial institutions reduce manual tasks, shorten application cycles and enhance customer engagement.

The nCino Bank Operating System integrates advanced analytics, reporting and document management tools to enable real-time visibility into portfolios and risk exposures. The platform also incorporates digital channels for small business, commercial and retail banking, allowing institutions to offer online account opening, mobile loan applications and self-service features. In recent years, nCino has expanded its capabilities through strategic partnerships and acquisitions, broadening its product lineup to include specialized solutions for mortgage, wealth management and trade finance.

Founded in 2012 by Pierre Naudé and a team of former banking executives, nCino is headquartered in Wilmington, North Carolina, and maintains offices in Europe, Asia-Pacific and Canada. The company completed its initial public offering in 2020 and has grown rapidly by securing clients ranging from regional community banks to large global financial institutions. nCino’s cloud-native architecture and emphasis on continuous innovation have driven adoption across markets seeking to modernize legacy systems and accelerate digital transformation initiatives.

Leadership at nCino includes founder and Chief Executive Officer Pierre Naudé, who oversees corporate strategy and product vision, alongside a management team experienced in financial services technology and enterprise software. The company’s board of directors features industry veterans who guide governance, risk management and long-term growth. With a focus on customer success and ongoing platform enhancements, nCino continues to position itself as a leading provider of digital banking solutions worldwide.

Key Stats

• Today's Range: $27.41 to $28.14
• 50-Day Range: $22.15 to $27.97
• 52-Week Range: $18.75 to $43.20
• Volume: 1.19 million shs
• Average Volume: 1.55 million shs
• Market Capitalization: $3.24 billion
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $30.94
• Consensus Rating: Hold

nCino Stock Analysis - MarketRank™

nCino scored higher than 69% of companies evaluated by MarketBeat, and ranked 280th out of 668 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.2 / 5
• Analyst Rating: Hold

Consensus Rating

nCino has received a consensus rating of Hold. The company's average rating score is 2.42, and is based on 8 buy ratings, 11 hold ratings, and no sell ratings.

Amount of Analyst Coverage

nCino has been the subject of 12 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 100.00%

Earnings Growth

Earnings for nCino are expected to grow by 100.00% in the coming year, from $0.12 to $0.24 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of nCino is -107.58, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of nCino is -107.58, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Growth Ratio

nCino has a PEG Ratio of 28.49. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

nCino has a P/B Ratio of 3.02. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

11.17% of the float of nCino has been sold short.

Short Interest Ratio / Days to Cover

nCino has a short interest ratio ("days to cover") of 5.2.

Change versus previous month

Short interest in nCino has recently decreased by 5.28%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

nCino does not currently pay a dividend.

Dividend Growth

nCino does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

11.17% of the float of nCino has been sold short.

Short Interest Ratio / Days to Cover

nCino has a short interest ratio ("days to cover") of 5.2.

Change versus previous month

Short interest in nCino has recently decreased by 5.28%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.17

News Sentiment

nCino has a news sentiment score of 1.17. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.82 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for nCino this week, compared to 9 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, nCino insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,849,787.00 in company stock.

Percentage Held by Insiders

Only 5.70% of the stock of nCino is held by insiders.

Percentage Held by Institutions

94.76% of the stock of nCino is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

NCNO Stock Analysis - Frequently Asked Questions

How have NCNO shares performed this year?

nCino's stock was trading at $33.58 on January 1st, 2025. Since then, NCNO shares have decreased by 16.7% and is now trading at $27.97.
View the best growth stocks for 2025 here.

How were nCino's earnings last quarter?

nCino Inc. (NASDAQ:NCNO) issued its quarterly earnings results on Wednesday, May, 28th. The company reported $0.16 earnings per share (EPS) for the quarter, hitting the consensus estimate of $0.16. The company's revenue for the quarter was up 12.5% on a year-over-year basis.
Read the conference call transcript.

Is nCino doing a stock buyback?

nCino's Board of Directors approved a stock buyback program on Tuesday, April 1st 2025, which allows the company to repurchase $100,000,000 in outstanding shares, according to EventVestor. This means that the company could buy up to 3.1% of its stock through open market purchases. Stock repurchase programs are typically an indication that the company's board of directors believes its shares are undervalued.

When did nCino IPO?

nCino (NCNO) raised $217 million in an initial public offering on Tuesday, July 14th 2020. The company issued 7,600,000 shares at a price of $28.00-$29.00 per share. BofA Securities, Barclays Capital, KeyBanc Capital Markets and SunTrust Robinson Humphrey served as the underwriters for the IPO and Piper Sandler, Raymond James and Macquarie Capital (USA) were co-managers.

How do I buy shares of nCino?

Shares of NCNO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of nCino own?

Based on aggregate information from My MarketBeat watchlists, some other companies that nCino investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), AU Optronics (AUOTY), Voyager Therapeutics (VYGR), The RMR Group (RMR) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 5/28/2025
• Today: 7/02/2025
• Next Earnings (Estimated): 8/26/2025
• Fiscal Year End: 1/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Computer and Technology
• Industry: INTERNET SOFTWARE
• Sub-Industry: Computer Software
• Current Symbol: NASDAQ:NCNO
• CIK: 1902733
• Web: www.ncino.com
• Phone: 888-676-2466
• Fax: N/A
• Employees: 1,833
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $30.94
• High Stock Price Target: $43.00
• Low Stock Price Target: $24.00
• Potential Upside/Downside: +10.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.42
• Research Coverage: 19 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.26)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 233.08
• P/E Growth: 28.49
• Net Income: -$37.88 million
• Net Margins: -5.27%
• Pretax Margin: -3.54%
• Return on Equity: 0.19%
• Return on Assets: 0.13%

Debt

• Debt-to-Equity Ratio: 0.24
• Current Ratio: 1.05
• Quick Ratio: 1.05

Sales & Book Value

• Annual Sales: $540.66 million
• Price / Sales: 6.00
• Cash Flow: $0.47 per share
• Price / Cash Flow: 59.21
• Book Value: $9.25 per share
• Price / Book: 3.02

Miscellaneous

• Outstanding Shares: 115,940,000
• Free Float: 109,333,000
• Market Cap: $3.24 billion
• Optionable: Optionable
• Beta: 0.77