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
Headquarters
Website
nCino Metrics
BasicAdvanced
$3.5B
-
-$0.29
0.77
-
Price and volume
Market cap
$3.5B
Beta
0.77
52-week high
$43.20
52-week low
$18.75
Average daily volume
2M
Financial strength
Current ratio
1.026
Quick ratio
0.89
Long term debt to equity
24.687
Total debt to equity
25.252
Interest coverage (TTM)
-0.23%
Profitability
EBITDA (TTM)
43.725
Gross margin (TTM)
60.23%
Net profit margin (TTM)
-5.86%
Operating margin (TTM)
-0.59%
Effective tax rate (TTM)
-19.42%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
0.13%
Return on equity (TTM)
-2.56%
Valuation
Price to revenue (TTM)
6.077
Price to book
3.3
Price to tangible book (TTM)
-21.03
Price to free cash flow (TTM)
58.277
Free cash flow yield (TTM)
1.72%
Free cash flow per share (TTM)
0.519
Growth
Revenue change (TTM)
13.24%
Earnings per share change (TTM)
13.53%
3-year revenue growth (CAGR)
19.15%
3-year earnings per share growth (CAGR)
-27.23%
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.
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FAQs
What’s the current market cap for nCino stock?
nCino (NCNO) has a market cap of $3.5B as of September 16, 2025.
What is the P/E ratio for nCino stock?
The price to earnings (P/E) ratio for nCino (NCNO) stock is 0 as of September 16, 2025.
Does nCino stock pay dividends?
No, nCino (NCNO) stock does not pay dividends to its shareholders as of September 16, 2025.
When is the next nCino dividend payment date?
nCino (NCNO) stock does not pay dividends to its shareholders.
What is the beta indicator for nCino?
nCino (NCNO) has a beta rating of 0.77. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.