nCino/$NCNO
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About nCino
Ncino Inc is a provider of cloud-based software for financial institutions. It is focused on developing the nCino Platform to transform commercial and small business lending for community and regional banks in the U.S. With the company's platform financial institutions can Operate More Intelligently, Improve Efficiency, Elevate Employee and Client Experiences, and Manage Risk and Compliance Continuously Rather Than Reactively. It has built and acquired technology, including SimpleNexus, DocFox, FullCircl, ILT, Visible Equity, FinSuite, and Sandbox Banking, to augment the nCino Platform's capabilities for mortgage lending, onboarding, account opening, indirect auto lending, and analytics and AI. The company operates as one operating segment.
- Ticker
- $NCNO
- Sector
- Software & Cloud Services
- Primary listing
- NASDAQ
- Employees
- 1,684
- Headquarters
- Wilmington, United States
- Website
- www.ncino.com
nCino Metrics
BasicAdvanced
$2.2B
66.47
$0.31
0.69
-
Price and volume
Market cap
$2.2B
Beta
0.69
52-week high
$27.50
52-week low
$13.80
Average daily volume
2.1M
Financial strength
Current ratio
0.847
Quick ratio
0.717
Long term debt to equity
0.344
Total debt to equity
0.358
Interest coverage (TTM)
2.73%
Profitability
EBITDA (TTM)
91.868
Gross margin (TTM)
62.24%
Net profit margin (TTM)
5.40%
Operating margin (TTM)
8.01%
Effective tax rate (TTM)
-16.64%
Revenue per employee (TTM)
$370,000
Management effectiveness
Return on assets (TTM)
1.96%
Return on equity (TTM)
3.86%
Valuation
Price to earnings (TTM)
66.473
Price to revenue (TTM)
3.551
Price to book
2.32
Price to tangible book (TTM)
-8.19
Price to free cash flow (TTM)
16.718
Free cash flow yield (TTM)
5.98%
Free cash flow per share (TTM)
1.227
Growth
Revenue change (TTM)
8.57%
Earnings per share change (TTM)
-205.87%
3-year revenue growth (CAGR)
11.79%
3-year earnings per share growth (CAGR)
-21.76%
What the Analysts think about nCino
Analyst ratings (Buy, Hold, Sell) for nCino stock.
Analyst projections of the future price of nCino stock.
Bulls say / Bears say
In Q2, revenue grew 8% year on year and subscription revenue grew 10%; nCino also raised its full-year revenue and operating income outlook. That points to continued recurring-sales growth alongside improving profitability. (nCino)
More than 230 customers have bought nCino’s AI capabilities, and some early users have started paying for extra usage. Four large US enterprise customers also renewed early with expanded AI commitments, suggesting the tools could support further customer spending. (Fintech Global, nCino)
New customer wins in Japan and Germany suggest nCino can extend its banking platform beyond its established markets. International subscription growth is also expected to add to overall growth in the second half of fiscal 2027. (The Motley Fool)
Higher-for-longer mortgage rates are pressuring independent mortgage banks and driving more churn. nCino cut its second-half US mortgage revenue outlook, adding a headwind to growth. (The Motley Fool)
The next-quarter revenue outlook fell slightly short of analysts’ expectations, and adjusted earnings per share missed forecasts despite a quarterly revenue beat. That gap suggests execution and earnings expectations remain a risk. (MarketWatch)
nCino’s shares were valued at about 62 times earnings in late September, well above the software-sector average cited in the report. If growth slows or AI adoption disappoints, that premium could leave the stock exposed to a valuation reset. (Yahoo Finance)
Data summarised monthly by Lightyear AI. Last updated on 15 Oct 2026.
nCino Financial Performance
Revenues and expenses
nCino Earnings Performance
Company profitability
Upcoming events
No upcoming events
nCino News
AllArticlesVideos
Funds containing nCino
AllUSDGBPEUR
Fund name | Fund size | $NCNO weighting |
|---|---|---|
iShares Digitalisation$DGTL | $793M | 0.09% |
iShares Digitalisation£DGIT | £585M | 0.09% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.08% |
SPDR Russell 2000 US Small Cap£R2SC | £4.1B | 0.08% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.02% |
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.
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