nCino, Inc. (NASDAQ: NCNO) is a Technology company in the Software - Application industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 162.50 | EPS (ttm) | 0.12 | Insider Own | 35.43% | Shs Outstand | 109.55M | Perf Week | 5.35% |
| Market Cap | 2.14B | Forward P/E | 13.06 | EPS next Y | 1.49 | Insider Trans | -0.47% | Shs Float | 103.80M | Perf Month | 7.50% |
| Enterprise Value | 2.36B | PEG | 10.32 | EPS next Q | 0.28 | Inst Own | - | Short Float | 17.81% | Perf Quarter | 8.39% |
| Income | 14.00M | P/S | 3.50 | EPS this Y | 961.54% | Inst Trans | - | Short Ratio | 5.18 | Perf Half Y | -6.79% |
| Sales | 610.00M | P/B | 2.17 | EPS next Y | 17.26% | ROA | 0.82% | Short Interest | 18.48M | Perf YTD | -23.95% |
| Book/sh | 8.98 | P/C | 20.74 | EPS next 5Y | 15.75% | ROE | 1.29% | 52W High | 33.92 -42.51% | Perf Year | -28.18% |
| Cash/sh | 0.94 | P/FCF | 18.26 | EPS past 3/5Y | - | ROIC | 2.06% | 52W Low | 13.80 41.30% | Perf 3Y | -39.35% |
| Dividend Est. | - | EV/EBITDA | 32.71 | Sales past 3/5Y | 13.40% 23.87% | Gross Margin | 60.67% | Volatility | 3.99% 4.44% | Perf 5Y | -69.23% |
| Dividend TTM | - | EV/Sales | 3.86 | EPS Y/Y TTM | 136.36% | Oper. Margin | 4.47% | ATR (14) | 0.89 | Perf 10Y | - |
| Dividend Ex-Date | - | Quick Ratio | 0.89 | Sales Y/Y TTM | 12.75% | Profit Margin | 2.17% | RSI (14) | 66.65 | Recom | 2.30 |
| Dividend Gr. 3/5Y | - | Current Ratio | 0.89 | EPS Q/Q | 175.00% | SMA20 | 9.81% | Beta | 0.66 | Target Price | 21.00 |
| Payout | 0.00% | Debt/Eq | 0.26 | Sales Q/Q | 10.42% | SMA50 | 17.94% | Rel Volume | 0.53 | Prev Close | 19.20 |
| Employees | 1,684 | LT Debt/Eq | 0.26 | Earnings | Aug 25 | SMA200 | -0.88% | Avg Volume | 3.44M | Price | 19.50 |
| IPO Date | Jul 14, 2020 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 18.81% 2.34% | Net Debt/EBITDA | 3.11 | Volume | 1,841,751 | Change | 1.56% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Apr-01-26 | Upgrade | Piper Sandler | Neutral → Overweight | |
| Jan-05-26 | Reiterated | Barclays | Overweight | $37 → $34 |
| Dec-09-25 | Reiterated | UBS | $28 → $36 | |
| Dec-04-25 | Reiterated | Truist Securities | Hold | $21 → $27 |
| Oct-20-25 | Upgrade | Raymond James | Outperform → Strong Buy | |
| Oct-10-25 | Upgrade | William Blair | Market Perform → Outperform | |
| Sep-10-25 | Upgrade | Morgan Stanley | Equal Weight → Overweight | $23 → $36 |
| Aug-27-25 | Reiterated | Robert W. Baird | $38 → $40 | |
| Aug-27-25 | Reiterated | Barclays | Overweight | $37 |
| Aug-27-25 | Reiterated | Raymond James | Outperform | $42 → $36 |
nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.
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| Line Item (USD, M) | TTM — | FY 2026 1/31/2026 | FY 2025 1/31/2025 | FY 2024 1/31/2024 | FY 2023 1/31/2023 | FY 2022 1/31/2022 | FY 2021 1/31/2021 | FY 2020 1/31/2020 | FY 2019 1/31/2019 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 610 | 595 | 541 | 477 | 408 | 274 | 204 | 138 | 92 | |
| Cost of Goods Sold Incl. D&A | 240 | 235 | 216 | 191 | 170 | 111 | 88 | 64 | 46 | |
| Gross Profit | 370 | 360 | 325 | 285 | 239 | 162 | 116 | 74 | 45 | |
| Selling, General and Administrative Excl. Other | 225 | 229 | 213 | 207 | 211 | 154 | 101 | 67 | 46 | |
| Research and Development | 123 | 128 | 129 | 117 | 122 | 79 | 58 | 35 | 22 | |
| Other Operating Expense | -6 | -1 | 1 | 1 | 0 | 1 | 0 | 0 | 0 | |
| Operating Income | 28 | 4 | -18 | -40 | -94 | -71 | -43 | -28 | -23 | |
| Interest Expense | 16 | 17 | 9 | 4 | 3 | 2 | 0 | 0 | 0 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 3 | 20 | -9 | 2 | -1 | -1 | 2 | 1 | 1 | |
| Net Income Before Taxes | 13 | 7 | -36 | -42 | -98 | -74 | -41 | -27 | -22 | |
| Income Taxes | -6 | 2 | -3 | 2 | 4 | -24 | 1 | 1 | 0 | |
| Consolidated Net Income | 14 | 5 | -38 | -42 | -103 | -49 | -41 | -28 | -22 | |
| Net Income From Continuing Operations | 18 | 5 | -33 | -44 | -102 | -50 | -41 | -28 | -22 | |
| Net Income | 14 | 5 | -38 | -42 | -103 | -49 | -41 | -28 | -22 | |
| EPS (Recurring) | 0.13 | 0.05 | -0.33 | -0.38 | -0.93 | -0.51 | -0.46 | -0.31 | -0.25 | |
| EPS (Basic, Before Extraordinaries) | 0.13 | 0.05 | -0.33 | -0.38 | -0.93 | -0.51 | -0.46 | -0.31 | -0.25 | |
| EPS (Diluted) | 0.12 | 0.05 | -0.33 | -0.38 | -0.93 | -0.51 | -0.46 | -0.31 | -0.25 | |
| EBITDA | 72 | 66 | 10 | 7 | -56 | -62 | -33 | -23 | -21 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 162.50 | 427.00 | — | — | — | — | — | — | — | |
| Price To Sales Ratio | 3.48 | 4.05 | 7.23 | 7.46 | 7.78 | 16.22 | 30.93 | — | — | |
| Gross Margin | 60.66 | 60.50 | 60.07 | 59.75 | 58.58 | 59.12 | 56.86 | 53.62 | 48.91 | |
| Operating Margin | 4.59 | 0.67 | -3.33 | -8.39 | -23.04 | -25.91 | -21.08 | -20.29 | -25.00 | |
| Net Margin | 2.30 | 0.84 | -7.02 | -8.81 | -25.25 | -17.88 | -20.10 | -20.29 | -23.91 | |
| Shares Outstanding | 109 | 113 | 115 | 113 | 111 | 97 | 88 | 90 | 90 | |
| Market Capitalization | 2,126 | 2,413 | 3,911 | 3,557 | 3,175 | 4,446 | 6,310 | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Desmond Sean | CEO & President | Jul 06 '26 | Sale | 17.47 | 8,064 | 140,878 | 1,262,492 | Jul 08 |
| Desmond Sean | CEO & President | Jul 06 '26 | Option Exercise | 4.98 | 8,064 | 40,159 | 1,270,556 | Jul 08 |
| Desmond Sean | CEO & President | Jun 03 '26 | Option Exercise | 4.98 | 8,064 | 40,159 | 1,270,556 | Jun 05 |
| Desmond Sean | CEO & President | Jun 03 '26 | Sale | 16.26 | 8,064 | 131,121 | 1,262,492 | Jun 05 |
| Desmond Sean | CEO & President | May 05 '26 | Option Exercise | 4.98 | 8,065 | 40,164 | 1,279,081 | May 07 |
| Sellers Jeanette | SVP of Accounting | May 05 '26 | Sale | 18.04 | 3,695 | 66,658 | 50,876 | May 07 |
| Desmond Sean | CEO & President | May 05 '26 | Sale | 18.04 | 16,589 | 299,266 | 1,262,492 | May 07 |
| Sellers Jeanette | SVP of Accounting | May 04 '26 | Sale | 18.02 | 1,486 | 26,770 | 54,571 | May 05 |
| Orenstein Gregory | CFO & Treasurer | May 04 '26 | Sale | 18.02 | 14,650 | 263,920 | 702,293 | May 05 |
| Naude Pierre | Director | May 04 '26 | Sale | 18.02 | 35,650 | 642,235 | 1,108,473 | May 05 |
| Rieger April | Chief Lgl. & Admin Ofc., Sec | May 04 '26 | Sale | 18.02 | 9,693 | 174,619 | 383,601 | May 05 |
| Desmond Sean | CEO & President | May 04 '26 | Sale | 18.02 | 22,073 | 397,645 | 1,271,016 | May 05 |
| Sellers Jeanette | SVP of Accounting | Apr 14 '26 | Sale | 17.55 | 1,873 | 32,862 | 40,611 | Apr 16 |
| Desmond Sean | CEO & President | Apr 06 '26 | Sale | 17.06 | 15,440 | 263,406 | 589,428 | Apr 08 |
| Desmond Sean | CEO & President | Apr 06 '26 | Option Exercise | 4.98 | 8,065 | 40,164 | 604,868 | Apr 08 |