Loading
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.
Previous close
$22.14
−$0.98 · -4.24%
Pre-market
$22.50
+$0.36 · +1.63%
Sep 9, 4:07 AM ET
Regular session · ET · Market data may be delayed.
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.
Day range
Current $22.14
52-week range
Current $22.14
Regular session · ET · Market data may be delayed.
GoAI Score
Hold
Valuation
64
Undervalued
Sentiment
71
Bullish
Risk
60
Elevated Risk
Momentum
33
Weakening
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
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.
Day range
Current $22.14
52-week range
Current $22.14
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Revenue | 594.78M USD | 540.66M USD | 476.54M USD | 408.32M USD | 273.87M USD |
| Cost of goods sold | 234.61M USD | 215.87M USD | 191.47M USD | 169.61M USD | 111.41M USD |
| Gross profit | 360.17M USD | 324.79M USD | 285.07M USD | 238.71M USD | 162.45M USD |
| Research and development | 127.53M USD | 129.42M USD | 117.31M USD | 121.58M USD | 79.36M USD |
| Selling, general, and administrative | 228.91M USD | 213.5M USD | 207.27M USD | 211.15M USD | 154.45M USD |
| Operating expenses | 356.44M USD | 342.92M USD | 324.59M USD | 332.72M USD | 233.81M USD |
| Interest income | 1.43M USD | 1.76M USD | 2.57M USD | 403K USD | 194K USD |
| Interest expense | 17.46M USD | 8.76M USD | 4.14M USD | 2.81M USD | 1.51M USD |
| Depreciation and amortization | 42.26M USD | 36.35M USD | 45.26M USD | 38.49M USD | 10.01M USD |
| Operating income | 3.73M USD | −18.13M USD | −39.51M USD | −94.01M USD | −71.36M USD |
| Net income | 5.18M USD | −37.88M USD | −42.35M USD | −102.72M USD | −49.45M USD |
Company facts updated Sep 9, 2026.
Recent quarterly results
Recent quarterly results
Third-party consensus; not a GoAI recommendation.
Average target
$23.43
5.83% upsideFunds reporting this stock among their holdings, ordered by reported position size.
iShares Russell 2000 ETFIWM65.18M0.08%80.51B USD0.19%$294.67-0.45%
Vanguard Morningstar Total Stock Market ETFVTI57.63M0.00%2.3T USD0.03%$377.6-0.56%
Vanguard Information Technology ETFVGT48.64M0.03%160.2B USD0.09%$121.05-0.18%
Vanguard Morningstar Small-Cap ETFVB41.73M0.02%183.4B USD0.03%$297.76-0.75%
Vanguard Morningstar Small-Cap Growth ETFVBK24.01M0.05%43.8B USD0.05%$347.9-0.44%
iShares Russell 2000 Growth ETFIWO22.21M0.15%14.7B USD0.24%$377.11-0.11%
Vanguard Extended Market ETFVXF21.1M0.02%93.7B USD0.05%$241.35-0.54%
Dimensional - US Small Cap Value ETFDFSV11.39M0.14%8.41B USD0.30%$40.00-1.09%iShares Russell 2000 ETFIWMVanguard Morningstar Total Stock Market ETFVTIVanguard Information Technology ETFVGTVanguard Morningstar Small-Cap ETFVBVanguard Morningstar Small-Cap Growth ETFVBKiShares Russell 2000 Growth ETFIWOVanguard Extended Market ETFVXFDimensional - US Small Cap Value ETFDFSVAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
