nCino/$NCNO

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About nCino

Ncino Inc is a provider of cloud-based software for financial institutions. Its software solution digitizes, automates, and streamlines inefficient and complex processes & workflows and utilizes data analytics & artificial intelligence that enables financial institutions to onboard new clients, make loans, and manage the entire loan life cycle, open deposits, and other accounts, and manage regulatory compliance. It also offers professional services, including configuration & implementation, training, and advisory services. The company generates the majority of its revenue from subscription services. The company caters to financial institutions, enterprise banks, regional banks, community banks, and credit unions. The vast majority of its revenue comes from the United States.

Ticker

$NCNO

Sector

Software & Cloud Services
Primary listing

Employees

1,833

nCino Metrics

BasicAdvanced
$3.6B
-
-$0.29
0.77
-

Bulls say / Bears say

nCino’s Q4 subscription revenues increased to $125 M, up 16% year-over-year, showing strong customer adoption of its cloud banking platform.
In Q1 FY26, nCino beat its own guidance with total revenues of $144.1 M, up 13% year-over-year, reflecting solid execution and demand.
The Board’s approval of a $100 M share repurchase program signals management’s confidence in nCino’s valuation and its ability to generate future cash flow.
nCino’s adjusted Q4 EPS came in at $0.12, missing the consensus estimate of $0.19 by one-third and causing shares to drop 33% as investors responded to the earnings disappointment.
The company's Q1 FY26 revenue guidance of $138.75 M–$140.75 M and adjusted EPS forecast of $0.15–$0.16 both fell short of analyst expectations for $145.5 M in revenue and $0.21 in EPS, pointing to slowing growth.
Goldman Sachs downgraded NCNO from Buy to Neutral and lowered its price target to $24, highlighting integration challenges with DocFox and softer U.S. commercial lending as important execution risks.
Data summarised monthly by Lightyear AI. Last updated on 31 Aug 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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