nCino (NCNO) Stock Price, News & Analysis

Company Overview

nCino, Inc. is a financial technology company that provides cloud-based software to banks, credit unions and other financial institutions. Its nCino Bank Operating System supports digital banking operations, helping institutions manage processes and customer relationships through a connected platform.

The company’s products and services include commercial, small-business and consumer lending tools, digital account opening, deposit account management, mortgage technology and solutions for managing customer relationships and loan workflows. Its software is designed to help financial institutions digitize operations and serve customers across online and in-person channels.

Founded in 2012 and headquartered in Wilmington, North Carolina, nCino grew out of technology developed at Live Oak Bank. It serves financial institutions in multiple markets, including North America, Europe and Asia-Pacific. Sean Desmond became the company’s chief executive officer in 2024.

Key Stats

• Today's Range: $22.27 to $22.96
• 50-Day Range: $17.95 to $23.63
• 52-Week Range: $13.80 to $27.50
• Volume: 1.57 million shs
• Average Volume: 1.81 million shs
• Market Capitalization: $2.38 billion
• P/E Ratio: 74.90
• Dividend Yield: N/A
• Price Target: $23.42
• Consensus Rating: Moderate Buy

nCino Stock Analysis - MarketRank™

nCino scored higher than 57% of companies evaluated by MarketBeat, and ranked 377th out of 585 stocks in the technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.6 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

nCino has received a consensus rating of Moderate Buy. The company's average rating score is 2.59, and is based on 1 strong buy rating, 9 buy ratings, 6 hold ratings, and 1 sell rating.

Upside/Downside

The consensus price target for nCino is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

nCino has been the subject of 13 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 32.86%

Earnings Growth

Earnings for nCino are expected to grow by 32.86% in the coming year, from $0.70 to $0.93 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of nCino is 74.90, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.17.

Price to Earnings Ratio vs. Sector

The P/E ratio of nCino is 74.90, which means that it is trading at a more expensive P/E ratio than the Technology sector average P/E ratio of about 40.18.

Price to Book Value per Share Ratio

nCino has a P/B Ratio of 2.44. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

17.19% 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 9.31.

Change versus previous month

Short interest in nCino has recently decreased by 5.42%, 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.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.25

News Sentiment

nCino has a news sentiment score of 0.25. 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 lower news sentiment than the 0.54 average news sentiment score of Technology companies.

News Coverage This Week

MarketBeat has tracked 18 news articles for nCino this week, compared to 5 articles on an average week.

Search Interest

Only 2 people have searched for NCNO on MarketBeat in the last 30 days. This is a decrease of -33% compared to the previous 30 days.

MarketBeat Follows

2 people have added nCino to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.5 / 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 $2,883,725.00 in company stock.

Percentage Held by Insiders

1.90% 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.

Company Calendar

• Today: 11/10/2026
• Next Earnings (Estimated): 12/02/2026
• Fiscal Year End: 1/31/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Technology
• Industry: Software
• Sub-Industry: Application Software
• Current Symbol: NASDAQ:NCNO
• CIK: 1902733
• Web: www.ncino.com
• Phone: 888-676-2466
• Fax: N/A
• Employees: 1,684
• Year Founded: 2011

Price Target and Rating

• Average Price Target for nCino: $23.42
• High Price Target: $26.00
• Low Price Target: $17.00
• Potential Upside/Downside: +4.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.59
• Research Coverage: 17 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.30
• Trailing P/E Ratio: 74.90
• Forward P/E Ratio: 24.16
• P/E Growth: N/A
• Net Income: $5.18 million
• Net Margins: 5.40%
• Pretax Margin: 5.35%
• Return on Equity: 7.71%
• Return on Assets: 4.83%

Debt

• Debt-to-Equity Ratio: 0.34
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $594.78 million
• Price / Sales: 3.99
• Cash Flow: $0.91 per share
• Price / Cash Flow: 24.73
• Book Value: $9.21 per share
• Price / Book: 2.44

Miscellaneous

• Outstanding Shares: 105,740,000
• Free Float: 103,727,000
• Market Cap: $2.38 billion
• Optionable: Optionable
• Beta: 0.77