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: $17.66 to $18.50
• 50-Day Range: $14.35 to $18.16
• 52-Week Range: $13.80 to $33.92
• Volume: 2.23 million shs
• Average Volume: 3.45 million shs
• Market Capitalization: $1.96 billion
• P/E Ratio: 148.75
• Dividend Yield: N/A
• Price Target: $25.29
• Consensus Rating: Moderate Buy

nCino Stock Analysis - MarketRank™

nCino scored higher than 89% of companies evaluated by MarketBeat, and ranked 131st out of 629 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: 4.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

nCino has received a consensus rating of Moderate Buy. The company's average rating score is 2.74, and is based on 2 strong buy ratings, 11 buy ratings, 5 hold ratings, and 1 sell rating.

Upside Potential

nCino has a consensus price target of $25.29, representing about 41.7% upside from its current price of $17.85.

Amount of Analyst Coverage

nCino has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 38.24%

Earnings Growth

Earnings for nCino are expected to grow by 38.24% in the coming year, from $0.68 to $0.94 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of nCino is 148.75, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 45.82.

Price to Earnings Ratio vs. Sector

The P/E ratio of nCino is 148.75, which means that it is trading at a less expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 168.79.

Price to Book Value per Share Ratio

nCino has a P/B Ratio of 1.94. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

18.77% 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 3.89, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in nCino has recently increased by 18.44%, indicating that investor sentiment is decreasing 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: 3.2 / 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 0.79 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for nCino this week, compared to 5 articles on an average week.

MarketBeat Follows

Only 1 people have added nCino to their MarketBeat watchlist in the last 30 days. This is a decrease of -75% compared to the previous 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 $2,143,529.00 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

• Last Earnings: 3/31/2026
• Today: 7/17/2026
• Next Earnings (Estimated): 8/25/2026
• Fiscal Year End: 1/31/2027

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: 1,684
• Year Founded: 2011

Price Target and Rating

• Average Price Target for nCino: $25.29
• High Price Target: $38.00
• Low Price Target: $17.00
• Potential Upside/Downside: +41.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.74
• Research Coverage: 19 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.12
• Trailing P/E Ratio: 148.75
• Forward P/E Ratio: 26.25
• P/E Growth: N/A
• Net Income: $5.18 million
• Net Margins: 2.17%
• Pretax Margin: 2.10%
• Return on Equity: 6.85%
• Return on Assets: 4.39%

Debt

• Debt-to-Equity Ratio: 0.31
• Current Ratio: 0.89
• Quick Ratio: 0.89

Sales & Book Value

• Annual Sales: $594.78 million
• Price / Sales: 3.29
• Cash Flow: $0.91 per share
• Price / Cash Flow: 19.58
• Book Value: $9.21 per share
• Price / Book: 1.94

Miscellaneous

• Outstanding Shares: 109,550,000
• Free Float: 107,471,000
• Market Cap: $1.96 billion
• Optionable: Optionable
• Beta: 0.68