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Technology - Software - Application - NASDAQ - US
$ 21.72
1.26 %
$ 2.53 B
Market Cap
-65.82
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NCNO stock under the worst case scenario is HIDDEN Compared to the current market price of 21.7 USD, nCino, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NCNO stock under the base case scenario is HIDDEN Compared to the current market price of 21.7 USD, nCino, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NCNO stock under the best case scenario is HIDDEN Compared to the current market price of 21.7 USD, nCino, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart NCNO

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$45.0$45.0$40.0$40.0$35.0$35.0$30.0$30.0$25.0$25.0$20.0$20.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
541 M REVENUE
13.45%
-18.1 M OPERATING INCOME
54.11%
-37.9 M NET INCOME
10.55%
55.2 M OPERATING CASH FLOW
-3.64%
-219 M INVESTING CASH FLOW
-3363.61%
170 M FINANCING CASH FLOW
907.46%
141 M REVENUE
1.85%
-5.74 M OPERATING INCOME
-596.36%
-15.6 M NET INCOME
-195.63%
-10 M OPERATING CASH FLOW
-173.43%
-126 M INVESTING CASH FLOW
-15131.57%
2.04 M FINANCING CASH FLOW
-98.37%
Balance Sheet nCino, Inc.
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Current Assets 302 M
Cash & Short-Term Investments 121 M
Receivables 147 M
Other Current Assets 34.5 M
Non-Current Assets 1.31 B
Long-Term Investments 9.29 M
PP&E 91 M
Other Non-Current Assets 1.21 B
7.51 %9.12 %5.65 %75.00 %Total Assets$1.6b
Current Liabilities 252 M
Accounts Payable 13.6 M
Short-Term Debt 5.15 M
Other Current Liabilities 233 M
Non-Current Liabilities 261 M
Long-Term Debt 12.8 M
Other Non-Current Liabilities 248 M
45.38 %48.45 %Total Liabilities$512.8m
EFFICIENCY
Earnings Waterfall nCino, Inc.
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Revenue 541 M
Cost Of Revenue 216 M
Gross Profit 325 M
Operating Expenses 343 M
Operating Income -18.1 M
Other Expenses 19.7 M
Net Income -37.9 M
600m600m500m500m400m400m300m300m200m200m100m100m00(100m)(100m)541m(216m)325m(343m)(18m)(20m)(38m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
60.07% GROSS MARGIN
60.07%
-3.35% OPERATING MARGIN
-3.35%
-7.01% NET MARGIN
-7.01%
-3.48% ROE
-3.48%
-2.35% ROA
-2.35%
-1.24% ROIC
-1.24%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis nCino, Inc.
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60m60m50m50m40m40m30m30m20m20m10m10m00(10m)(10m)(20m)(20m)(30m)(30m)20192019202020202021202120222022202320232024202420252025
Net Income -37.9 M
Depreciation & Amortization 36.3 M
Capital Expenditures -1.82 M
Stock-Based Compensation 71.6 M
Change in Working Capital 0
Others -7.74 M
Free Cash Flow 53.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets nCino, Inc.
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Wall Street analysts predict an average 1-year price target for NCNO of $40.2 , with forecasts ranging from a low of $35 to a high of $45 .
NCNO Lowest Price Target Wall Street Target
35 USD 61.14%
NCNO Average Price Target Wall Street Target
40.2 USD 85.15%
NCNO Highest Price Target Wall Street Target
45 USD 107.18%
Price
Max Price Target
Min Price Target
Average Price Target
454540403535303025252020May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership nCino, Inc.
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Sold
0-3 MONTHS
2.29 M USD 5
3-6 MONTHS
487 M USD 9
6-9 MONTHS
357 M USD 6
9-12 MONTHS
768 M USD 7
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
nCino: Downgrade To Sell As Macro Backdrop Has Gotten Dramatically Worse I downgrade NCNO to a sell due to worsening macro conditions, elevated tariffs, and potential Fed rate hikes, severely impacting mortgage volumes. Despite 4Q25 revenue growth, organic subscription growth decelerated, and adj. EBIT margin fell, indicating underlying weaknesses. Macro risks, including new tariffs and potential recession, pose significant headwinds for NCNO's mortgage-related business, with management modeling zero growth in US mortgage-related revenue for FY26. seekingalpha.com - 2 weeks ago
nCino shares slide on earnings miss nCino (NASDAQ:NCNO) shares sank more than 23% after the cloud-based bank operating system's fourth quarter earnings disappointed.   For the quarter, nCino posted earnings per share of $0.12, down from $0.21 in the year-ago quarter and missing estimates of $0.19. proactiveinvestors.com - 2 weeks ago
nCino Posts Weak Earnings, Joins Tesla And Other Big Stocks Moving Lower In Wednesday's Pre-Market Session U.S. stock futures were lower this morning, with the Dow futures falling more than 50 points on Wednesday. benzinga.com - 2 weeks ago
nCino, Inc. (NCNO) Q4 2025 Earnings Call Transcript nCino, Inc. (NASDAQ:NCNO ) Q4 2025 Earnings Conference Call April 1, 2025 4:30 PM ET Company Participants Harrison Masters - Director, IR Sean Desmond - CEO Greg Orenstein - CFO Conference Call Participants Saket Kalia - Barclays Terry Tillman - Truist Securities Alex Sklar - Raymond James James Fawcett - Morgan Stanley Koji Ikeda - Bank of America Ryan Tomasello - KBW Chris Kennedy - William Blair Aaron Kimson - Citizens JMP Alex Markgraff - KBCM Kenneth Suchoski - Autonomous Research Operator Thank you for standing by, and welcome to nCino's Fourth Quarter Fiscal Year 2025 Earnings Conference Call. At this time, all participants are in a listen-only mode. seekingalpha.com - 2 weeks ago
nCino Shares Slump Amid Slowing Growth in Cloud Banking and Mortgage Markets nCino shares slumped in after hours trading Tuesday (April 1) in the wake of guidance that anticipates slowing growth in the core cloud banking segments and mortgage markets, though a reacceleration is envisioned for fiscal year 2027. pymnts.com - 2 weeks ago
NCino (NCNO) Lags Q4 Earnings Estimates NCino (NCNO) came out with quarterly earnings of $0.12 per share, missing the Zacks Consensus Estimate of $0.18 per share. This compares to earnings of $0.21 per share a year ago. zacks.com - 2 weeks ago
nCino Reports Fourth Quarter and Fiscal Year 2025 Financial Results Q4 Total Revenues of $141.4 M, up 14% year-over-year Fiscal Year 2025 Total Revenues of $540.7 M, up 13% year-over-year Q4 Subscription Revenues of $125.0 M, up 16% year-over-year Fiscal Year 2025 Subscription Revenues of $469.2 M, up 15% year-over-year globenewswire.com - 2 weeks ago
nCino Announces Stock Repurchase Program WILMINGTON, N.C., April 01, 2025 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced that its Board of Directors has authorized a Stock Repurchase Program under which the Company may repurchase up to $100,000,000 of the Company's outstanding common stock. globenewswire.com - 2 weeks ago
nCino Gears Up For Q4 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analysts nCino, Inc. NCNO will release its fourth-quarter financial results after the closing bell on Tuesday, April 1. benzinga.com - 2 weeks ago
Credit Union 1 Selects nCino to Power True Omnichannel Experience for Members CU1 to implement nCino across Commercial, Consumer & Indirect Lending to empower teams to serve members more quickly and efficiently CU1 to implement nCino across Commercial, Consumer & Indirect Lending to empower teams to serve members more quickly and efficiently globenewswire.com - 3 weeks ago
Československá obchodní banka (CSOB) Selects the nCino Platform to Modernize Commercial & SME Lending nCino expands presence in Europe with its first customer in the Czech Republic nCino expands presence in Europe with its first customer in the Czech Republic globenewswire.com - 1 month ago
All You Need to Know About nCino (NCNO) Rating Upgrade to Buy nCino (NCNO) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 1 month ago
8. Profile Summary

nCino, Inc. NCNO

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COUNTRY US
INDUSTRY Software - Application
MARKET CAP $ 2.53 B
Dividend Yield 0.00%
Description 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.
Contact 6770 Parker Farm Drive, Wilmington, NC, 28405 https://www.ncino.com
IPO Date July 14, 2020
Employees 1833
Officers Mr. Chris Ainsworth Chief People Officer Ms. Katie Smith Director of Operations Mr. Izak Cronier Head of Information Technology Ms. April Rieger Chief Legal & Compliance Officer Mr. Davis Brannan Executive Vice President of Strategic Operations Mr. Gregory D. Orenstein Chief Financial Officer & Treasurer Mr. John Moonshower Chief Marketing Officer Mr. Pierre Naude Co-Founder & Executive Chairman Jeanette Sellers Vice President of Accounting Mr. Sean Desmond Chief Executive Officer, President & Director