nCino (NCNO) Stock Price, News & Analysis

Company Overview

nCino, Inc. provides a cloud-based banking operating system designed to modernize and streamline processes for financial institutions. Built on a software-as-a-service (SaaS) model, the nCino Bank Operating System integrates key banking functions into a unified platform, enabling banks and credit unions to enhance efficiency, reduce risk and improve customer experiences.

Founded in 2012 as a spinoff from Live Oak Bank, nCino launched its flagship offering to address the needs of commercial and retail lenders seeking to replace legacy systems. The company completed its initial public offering in 2017 and is headquartered in Wilmington, North Carolina, with additional offices in major financial centers including London, Toronto, Sydney and Tokyo.

The nCino Bank Operating System comprises modules for loan origination, deposit account opening, workflow automation, customer relationship management, treasury management, analytics and compliance. By consolidating disparate applications into a single platform, nCino helps institutions accelerate onboarding, maintain regulatory oversight and gain real-time visibility into portfolios and risk exposures.

Serving hundreds of banks and credit unions across North America, Europe, Asia-Pacific and Latin America, nCino supports organizations of varying sizes and business models. Under the leadership of co-founder and Chief Executive Officer Pierre Naudé, the company continues to expand its global footprint and broaden its product suite to address evolving industry requirements.

Key Stats

• Today's Range: $25.53 to $26.22
• 50-Day Range: $25.60 to $32.69
• 52-Week Range: $18.75 to $43.20
• Volume: 1.72 million shs
• Average Volume: 2.04 million shs
• Market Capitalization: $3.02 billion
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $33.94
• Consensus Rating: Hold

nCino Stock Analysis - MarketRank™

nCino scored higher than 69% of companies evaluated by MarketBeat, and ranked 277th out of 660 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: 4.2 / 5
• Analyst Rating: Hold

Consensus Rating

nCino has received a consensus rating of Hold. The company's average rating score is 2.41, and is based on 8 buy ratings, 12 hold ratings, and 1 sell rating.

Upside Potential

nCino has a consensus price target of $33.94, representing about 30.0% upside from its current price of $26.10.

Amount of Analyst Coverage

nCino has been the subject of 14 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 -90.00, 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 -90.00, 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 16.12. 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 2.77. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

10.09% of the outstanding shares of nCino have been sold short.

Short Interest Ratio / Days to Cover

nCino has a short interest ratio ("days to cover") of 6.4.

Change versus previous month

Short interest in nCino has recently increased by 3.00%, indicating that investor sentiment is decreasing.

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

10.09% of the outstanding shares of nCino have been sold short.

Short Interest Ratio / Days to Cover

nCino has a short interest ratio ("days to cover") of 6.4.

Change versus previous month

Short interest in nCino has recently increased by 3.00%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 0.69

News Sentiment

nCino has a news sentiment score of 0.69. 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 news sentiment score is similar to the average news sentiment of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for nCino this week, compared to 11 articles on an average week.

Search Interest

18 people have searched for NCNO on MarketBeat in the last 30 days. This is an increase of 260% compared to the previous 30 days.

MarketBeat Follows

2 people have added nCino to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

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 $135,667,553.00 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 stock has decreased by 22.3% and is now trading at $26.10.

How were nCino's earnings last quarter?

nCino Inc. (NASDAQ:NCNO) posted its earnings results on Tuesday, August, 26th. The company reported $0.22 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.14 by $0.08. nCino's revenue was up 12.4% compared to the same quarter last year.
Read the conference call transcript.

Is nCino doing a stock buyback?

nCino's board initiated a share repurchase program on Tuesday, April 1st 2025, which allows the company to buy back $100,000,000 in shares, according to EventVestor. This means that the company could repurchase up to 3.1% of its stock through open market purchases. Stock repurchase programs are generally a sign that the company's board believes its stock is undervalued.

When did nCino IPO?

nCino (NCNO) raised $217 million in an initial public offering (IPO) 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: 8/26/2025
• Today: 10/08/2025
• Next Earnings (Estimated): 12/03/2025
• 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: 2011

Price Target and Rating

• Average Price Target for nCino: $33.94
• High Price Target: $43.00
• Low Price Target: $24.00
• Potential Upside/Downside: +30.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.41
• Research Coverage: 22 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.29)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 217.50
• P/E Growth: 16.12
• Net Income: -$37.88 million
• Net Margins: -5.86%
• Pretax Margin: -4.01%
• Return on Equity: 1.18%
• Return on Assets: 0.79%

Debt

• Debt-to-Equity Ratio: 0.24
• Current Ratio: 1.03
• Quick Ratio: 1.03

Sales & Book Value

• Annual Sales: $540.66 million
• Price / Sales: 5.59
• Cash Flow: $0.48 per share
• Price / Cash Flow: 54.68
• Book Value: $9.41 per share
• Price / Book: 2.77

Miscellaneous

• Outstanding Shares: 115,820,000
• Free Float: 109,214,000
• Market Cap: $3.02 billion
• Optionable: Optionable
• Beta: 0.64