nCino, Inc.

nCino, Inc.

NCNOยทNASDAQ

$15.88

-7.6%
TechnologySoftware - Application

nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.

At a Glance

Live Snapshot
Market Cap$1.74B
EPS0.0500
P/E Ratio317.60
Earnings Date08/25/2026
nCino, Inc.

nCino, Inc. Fair Value Envelope

NCNO ยท NASDAQ

Our analysis suggests that NCNO has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $15.88, this represents a potential HIDDEN relative to our calculated worth for nCino, Inc..

Intrinsic Value
Current Price: $15.88

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$70.5B
+ Cash & Equivalents$88.4M
Firm Value$70.6B
- Debt$278.7M
Equity Value$70.3B
/ Shares Outstanding115,814,720B
DCF Value$607
UNDERVALUED BY 3724%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$140.5M
$219.1M
$341.8M
$533.1M
$831.5M
$1.3B
$2.0B
$3.2B
$4.9B
$7.7B
Maintenance CapEx
-$2.3M
-$3.6M
-$5.7M
-$8.9M
-$13.9M
-$21.6M
-$33.7M
-$52.6M
-$82.0M
-$127.9M
Owner Earnings
$138.1M
$215.5M
$336.1M
$524.2M
$817.7M
$1.3B
$2.0B
$3.1B
$4.8B
$7.5B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$127.9M
$184.7M
$266.8M
$385.3M
$556.5M
$803.7M
$1.2B
$1.7B
$2.4B
$3.5B
Terminal Value represents 84.3% of Enterprise Value