
nCino, Inc.
NCNONASDAQTechnologySoftware - Application
Previous close
$20.62
+$0.26 · +1.28%
NCNO company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
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.
AI-generated, informational only, and not investment advice.
Company profile
Company websitenCino, 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 / TTMValuation & 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.
Income trends
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 Aug 24, 2026.
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$21.00
1.84% upsideRating distribution
23 ratingsRecent analyst actions
NCNO news
NCNO peers
ETFs holding NCNO
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI57.63M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM55.81M0.07%81.62B USD0.19%$299.96+0.77%
Vanguard Information Technology ETFVGT48.64M0.03%160.2B USD0.09%$118.42+0.05%
Vanguard Morningstar Small-Cap ETFVB41.73M0.02%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETFVBK24.01M0.05%43.8B USD0.05%$358.65+0.70%
Vanguard Extended Market ETFVXF21.1M0.02%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Growth ETFIWO19.11M0.13%15.16B USD0.24%$387.37+1.24%
Vanguard Russell 2000 ETFVTWO11.15M0.06%17.4B USD0.06%$121.25+0.74%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 57.63M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 55.81M
- Weight
- 0.07%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Information Technology ETFVGT- Market value
- 48.64M
- Weight
- 0.03%
- AUM
- 160.2B USD
- Expense ratio
- 0.09%
- Price / 1D
- $118.42+0.05%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 41.73M
- Weight
- 0.02%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETFVBK- Market value
- 24.01M
- Weight
- 0.05%
- AUM
- 43.8B USD
- Expense ratio
- 0.05%
- Price / 1D
- $358.65+0.70%
Vanguard Extended Market ETFVXF- Market value
- 21.1M
- Weight
- 0.02%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Growth ETFIWO- Market value
- 19.11M
- Weight
- 0.13%
- AUM
- 15.16B USD
- Expense ratio
- 0.24%
- Price / 1D
- $387.37+1.24%
Vanguard Russell 2000 ETFVTWO- Market value
- 11.15M
- Weight
- 0.06%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
Continue in GoAI
Research NCNOresearch.disclaimer











