nCino, Inc. logo

nCino, Inc.

NCNO

NASDAQTechnologySoftware - Application

Previous close

$20.62

+$0.26 · +1.28%

Aug 21, 4:00 PM ET

NCNO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

64

Undervalued

Momentum

33

Weakening

Sentiment

71

Bullish

Risk resilience

40

Elevated Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Software - Application
Sector
Technology
Headquarters
US
CEO
Sean Desmond
Listed since
Jul 14, 2020
Employees
1,684

Market position

Day range

Current $20.62

52-week range

Current $20.62

Open
$20.39
Previous close
$20.36
Volume
2.18M
0.7× average
Average volume
3.13M
Average daily volume
Market cap
2.26B USD
Beta
0.66
Market reference 1
50-day average
$17.6062
+17.12% above average
200-day average
$19.2824
+6.94% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
158.62×
P/B (TTM)
2.31×
P/S (TTM)
3.7×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
60.67%
Operating margin
4.47%
Net margin
2.17%

Financial health

Debt / equity
0.34×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends69%35%-0%-35%Gross margin, FY2022: 59.32%Gross margin, FY2023: 58.46%Gross margin, FY2024: 59.82%Gross margin, FY2025: 60.07%Gross margin, FY2026: 60.55%Operating margin, FY2022: -26.06%Operating margin, FY2023: -23.02%Operating margin, FY2024: -8.29%Operating margin, FY2025: -3.35%Operating margin, FY2026: 0.63%Net margin, FY2022: -18.05%Net margin, FY2023: -25.16%Net margin, FY2024: -8.89%Net margin, FY2025: -7.01%Net margin, FY2026: 0.87%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 59.32%. Gross margin FY2023 58.46%. Gross margin FY2024 59.82%. Gross margin FY2025 60.07%. Gross margin FY2026 60.55%. Operating margin FY2022 -26.06%. Operating margin FY2023 -23.02%. Operating margin FY2024 -8.29%. Operating margin FY2025 -3.35%. Operating margin FY2026 0.63%. Net margin FY2022 -18.05%. Net margin FY2023 -25.16%. Net margin FY2024 -8.89%. Net margin FY2025 -7.01%. Net margin FY2026 0.87%.

Income trends

Revenue

594.78M USD+10.01%

Operating income

3.73M USD+21.86M USD

Net income

5.18M USD+43.06M USD
Income trends across reported periods664.53M USD385.53M USD106.53M USD−172.47M USDRevenue, FY2022: 273.87M USDRevenue, FY2023: 408.32M USDRevenue, FY2024: 476.54M USDRevenue, FY2025: 540.66M USDRevenue, FY2026: 594.78M USDOperating income, FY2022: −71.36M USDOperating income, FY2023: −94.01M USDOperating income, FY2024: −39.51M USDOperating income, FY2025: −18.13M USDOperating income, FY2026: 3.73M USDNet income, FY2022: −49.45M USDNet income, FY2023: −102.72M USDNet income, FY2024: −42.35M USDNet income, FY2025: −37.88M USDNet income, FY2026: 5.18M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 273.87M USD. Revenue FY2023 408.32M USD. Revenue FY2024 476.54M USD. Revenue FY2025 540.66M USD. Revenue FY2026 594.78M USD. Operating income FY2022 −71.36M USD. Operating income FY2023 −94.01M USD. Operating income FY2024 −39.51M USD. Operating income FY2025 −18.13M USD. Operating income FY2026 3.73M USD. Net income FY2022 −49.45M USD. Net income FY2023 −102.72M USD. Net income FY2024 −42.35M USD. Net income FY2025 −37.88M USD. Net income FY2026 5.18M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue594.78M USD540.66M USD476.54M USD408.32M USD273.87M USD
Cost of goods sold234.61M USD215.87M USD191.47M USD169.61M USD111.41M USD
Gross profit360.17M USD324.79M USD285.07M USD238.71M USD162.45M USD
Research and development127.53M USD129.42M USD117.31M USD121.58M USD79.36M USD
Selling, general, and administrative228.91M USD213.5M USD207.27M USD211.15M USD154.45M USD
Operating expenses356.44M USD342.92M USD324.59M USD332.72M USD233.81M USD
Interest income1.43M USD1.76M USD2.57M USD403K USD194K USD
Interest expense17.46M USD8.76M USD4.14M USD2.81M USD1.51M USD
Depreciation and amortization42.26M USD36.35M USD45.26M USD38.49M USD10.01M USD
Operating income3.73M USD−18.13M USD−39.51M USD−94.01M USD−71.36M USD
Net income5.18M USD−37.88M USD−42.35M USD−102.72M USD−49.45M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$21.00

1.84% upside
Past 12 months12-month forecastHigh $21.00Average $21.00Low $21.00

Rating distribution

23 ratings
Strong buy14%
Buy1461%
Hold835%
Sell00%
Strong sell00%

Recent analyst actions

12 institutions

NCNO news

NCNO peers

ETFs holding NCNO

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research NCNO

research.disclaimer