nCino Inc

nCino Inc (NCNO) Stock Analysis

$19.670

-0.039 (-0.20%)At close

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High
19.850
Open
19.540
VWAP
19.66
Volume
1.14M
Mkt Cap
3.61B
Low
19.460
Amount
22.42M
EV/EBITDA, TTM
23.14

nCino, Inc. is a global provider of cloud banking solutions for the global financial services industry. The Company is a software-as-a-service (SaaS) company that provides software solutions to financial institutions (FIs) to streamline employee and client interactions. It delivers solutions such as cloud computing application and platform services with multi-tenant technology and shared service-oriented architecture. The nCino Platform is embedded with data and artificial intelligence (AI) that helps FIs digitize and reengineer business processes across multiple lines of business, from commercial, consumer and small business banking to mortgage lending, by offering solutions such as onboarding, account opening, lending, credit monitoring, Integration and Intelligence. It offers solutions to community banks, credit unions, independent mortgage banks, and financial entities.

www.ncino.com

AI analysis of nCino Inc (NCNO)

Buy

nCino Inc appears to be a good buy right now due to its recent achievement of GAAP profitability with a net income of $5 million, and a strong gross margin of 61.57%. The stock has shown a 5.62% increase over the past five days, indicating positive momentum. However, the main risk is its year-to-date decline of 19.96%, reflecting market challenges, particularly in the mortgage sector.

Valuation Metrics

The current forward P/E ratio for nCino Inc (NCNO) is 24.81, compared to its 5-year average forward P/E of -28.83.

Forward P/E

Fair
5Y Average P/E
-28.83
Current P/E
24.81
Overvalued
132.01
Undervalued
-189.67

Forward EV/EBITDA

Fair
5Y Average EV/EBITDA
-44.62
Current EV/EBITDA
23.14
Overvalued
532.74
Undervalued
-621.99

Forward P/S

Undervalued
5Y Average P/S
6.92
Current P/S
2.95
Overvalued
10.69
Undervalued
3.15

Alphio AI Price Scenarios for NCNO

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%NCNO

$39.50

Scenario price

B

Base

Base · 50%NCNO

$32.70

Scenario price

B

Bear

Bear · 25%NCNO

$26.67

Scenario price

Whales holding NCNO

A

American Capital Management, Inc.

+ HoldingNCNO

+1.61%

3M Return

S

Senvest Management, LLC

+ HoldingNCNO

-1.76%

3M Return

A

Azora Capital LP

+ HoldingNCNO

-4.49%

3M Return

A

Algebris (UK) Limited

+ HoldingNCNO

-8.29%

3M Return

Events Timeline

2026-10-08 (ET)

09:30:00

Parlay Partners with nCino to Streamline Small Business Loan Process

2026-08-25 (ET)

20:00:00

Nasdaq Composite Rebounds, Micron Up 2.5%

16:30:00

nCino Reports Q2 Revenue of $161M, Exceeding Expectations

16:30:00

Sees Q3 Operating Income of $42M-$44M

16:30:00

nCino Authorizes Additional $100 Million Stock Repurchase Program

News

NCNO FAQ — answered by Alphio AI

nCino, Inc. is a global provider of cloud banking solutions for the global financial services industry. The Company is a software-as-a-service (SaaS) company that provides software solutions to financial institutions (FIs) to streamline employee and client interactions. It delivers solutions such as cloud computing application and platform services with multi-tenant technology and shared service-oriented architecture. The nCino Platform is embedded with data and artificial intelligence (AI) that helps FIs digitize and reengineer business processes across multiple lines of business, from commercial, consumer and small business banking to mortgage lending, by offering solutions such as onboarding, account opening, lending, credit monitoring, Integration and Intelligence. It offers solutions to community banks, credit unions, independent mortgage banks, and financial entities. It operates in the Technology sector (SERVICES-PREPACKAGED SOFTWARE industry).

nCino Inc appears to be a good buy right now due to its recent achievement of GAAP profitability with a net income of $5 million, and a strong gross margin of 61.57%. The stock has shown a 5.62% increase over the past five days, indicating positive momentum. However, the main risk is its year-to-date decline of 19.96%, reflecting market challenges, particularly in the mortgage sector.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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