/NCNO
NCNO Stock - nCino, Inc.
Technology|Software - ApplicationNASDAQ
$25.68+1.54%
+$0.39 (+1.54%) • Dec 19
75
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.47
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).95
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.99
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+22.7%upside
Target: $31.51
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ENTRY ZONE$25.42 – $25.94
TARGET (TP)$31.50
STOP LOSS$23.63
RISK/REWARD1:2.8
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.53
52W High$35.64
52W Low$18.75
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $540.66M | $476.54M | $273.87M | $273.87M | $204.29M |
| Gross Profit | $324.79M | $285.07M | $162.45M | $162.45M | $116.16M |
| Gross Margin | 60.1% | 59.8% | 59.3% | 59.3% | 56.9% |
| Operating Income | $-18,131,000 | $-39,512,000 | $-71,357,000 | $-71,357,000 | $-42,608,000 |
| Net Income | $-37,878,000 | $-42,346,000 | $-50,121,000 | $-49,446,000 | $-40,536,000 |
| Net Margin | -7.0% | -8.9% | -18.3% | -18.1% | -19.8% |
| EPS | $-0.33 | $-0.38 | $-0.45 | $-0.51 | $-0.46 |
Company Overview
nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
Visit WebsiteRating Distribution
Strong Buy
1
4%
Buy / Outperform
11
44%
Hold / Neutral
13
52%
Sell / Underperform
0%
Analyst Consensus🔴 Bearish
12 Bullish13 Neutral/Bearish
Price Targets
$35
Average Target
↑ 36.3% Upside
Now
$19
Low
$35
Average
$60
High
Based on 29 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 17th 2025 | BTIG Research | Initiation | Neutral | - |
| October 20th 2025 | Raymond James | Upgrade | Strong Buy | $36 |
| October 10th 2025 | William Blair | Upgrade | Outperform | - |
| September 10th 2025 | Morgan Stanley | Upgrade | Overweight | $36 |
| July 14th 2025 | Robert W. Baird | Upgrade | Outperform | $38 |
| June 18th 2025 | JP Morgan | Initiation | Neutral | $30 |
| April 2nd 2025 | BofA Securities | Downgrade | Neutral | $22 |
| April 2nd 2025 | Scotiabank | Downgrade | Sector Perform | $19 |
| April 2nd 2025 | Goldman | Downgrade | Neutral | $24 |
| April 2nd 2025 | Truist | Downgrade | Hold | $21← $44 |
| April 2nd 2025 | William Blair | Downgrade | Market Perform | - |
| January 6th 2025 | Barclays | Upgrade | Overweight | $44 |
| December 16th 2024 | UBS | Initiation | Buy | $44 |
| December 5th 2024 | Needham | Reiterated | Buy | $45← $40 |
| December 5th 2024 | Piper Sandler | Downgrade | Neutral | $38 |
Earnings History & Surprises
NCNOBeat Rate
79%
Last 19 quarters
Avg Surprise
+33.8%
EPS vs Estimate
Beats / Misses
15/2
2 met exactly
Latest EPS
$0.31
Q4 2025
EPS Surprise History
Q1 24
+75.0%
$0.21vs$0.12
Q2 24
+40.4%
$0.19vs$0.14
Q3 24
+7.7%
$0.14vs$0.13
Q4 24
+31.2%
$0.21vs$0.16
Q2 25
-33.3%
$0.12vs$0.18
Q2 25
0.0%
$0.16vs$0.16
Q3 25
+57.1%
$0.22vs$0.14
Q4 25
+50.0%
$0.31vs$0.21
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 7, 2026 | $0.21 | — | — | — |
Q4 2025 | Dec 3, 2025 | $0.21 | $0.31 | +50.0% | ✓ BEAT |
Q3 2025 | Aug 26, 2025 | $0.14 | $0.22 | +57.1% | ✓ BEAT |
Q2 2025 | May 28, 2025 | $0.16 | $0.16 | 0.0% | = MET |
Q2 2025 | Apr 1, 2025 | $0.18 | $0.12 | -33.3% | ✗ MISS |
Q4 2024 | Dec 4, 2024 | $0.16 | $0.21 | +31.2% | ✓ BEAT |
Q3 2024 | Aug 27, 2024 | $0.13 | $0.14 | +7.7% | ✓ BEAT |
Q2 2024 | May 29, 2024 | $0.14 | $0.19 | +40.4% | ✓ BEAT |
Q1 2024 | Mar 26, 2024 | $0.12 | $0.21 | +75.0% | ✓ BEAT |
Q4 2023 | Nov 29, 2023 | $0.11 | $0.14 | +27.3% | ✓ BEAT |
Q3 2023 | Aug 29, 2023 | $0.07 | $0.09 | +28.6% | ✓ BEAT |
Q2 2023 | May 31, 2023 | $0.05 | $0.07 | +40.0% | ✓ BEAT |
Q1 2023 | Mar 28, 2023 | $-0.05 | $0.04 | +180.0% | ✓ BEAT |
Q4 2022 | Nov 30, 2022 | $-0.01 | $-0.01 | -56.0% | ✗ MISS |
Q3 2022 | Sep 1, 2022 | $-0.08 | $-0.04 | +50.0% | ✓ BEAT |
Q2 2022 | Jun 1, 2022 | $-0.08 | $-0.06 | +25.0% | ✓ BEAT |
Q1 2022 | Mar 31, 2022 | $-0.09 | $-0.09 | 0.0% | = MET |
Q4 2021 | Dec 1, 2021 | $-0.06 | $-0.04 | +33.3% | ✓ BEAT |
Q3 2021 | Sep 1, 2021 | $-0.06 | $-0.02 | +66.7% | ✓ BEAT |
Q2 2021 | Jun 2, 2021 | $-0.05 | $-0.04 | +20.0% | ✓ BEAT |
Latest News
BTIG Initiates Coverage On Ncino with Neutral Rating
➖ NeutralBenzinga•Dec 17, 2025, 11:54 AM
nCino Option Alert: Feb 20 $30 Calls Sweep (32) Above Ask: 1026 @ $0.275 vs 333 OI; Ref=$24.25
📈 PositiveBenzinga•Dec 8, 2025, 06:29 PM
nCino Announces Stock Repurchase Program Up To $100M
📈 PositiveBenzinga•Dec 8, 2025, 01:04 PM
Truist Securities Maintains Hold on Ncino, Lowers Price Target to $27
➖ NeutralBenzinga•Dec 4, 2025, 06:15 PM
Needham Reiterates Buy on Ncino, Maintains $38 Price Target
📈 PositiveBenzinga•Dec 4, 2025, 04:19 PM
NCNO stock has given up its prior gain. nCino shares were trading higher after the company reported better-than-expected Q3 financial results and issued Q4 adjusted EPS guidance above estimates.
➖ NeutralBenzinga•Dec 4, 2025, 03:24 PM
nCino shares are trading higher after the company reported better-than-expected Q3 financial results and issued Q4 adjusted EPS guidance above estimates. Also, the company raised its FY26 guidance above estimates.
📈 PositiveBenzinga•Dec 4, 2025, 12:52 PM
Keefe, Bruyette & Woods Maintains Outperform on Ncino, Raises Price Target to $36
📈 PositiveBenzinga•Dec 4, 2025, 12:49 PM
Piper Sandler Maintains Neutral on Ncino, Lowers Price Target to $30
➖ NeutralBenzinga•Dec 4, 2025, 11:21 AM
nCino stock jumps after earnings beat and full-year outlook; cautions on Q4 pipeline
📈 PositiveSeeking Alpha•Dec 4, 2025, 10:16 AM
nCino shares are trading higher after the company reported better-than-expected Q3 financial results and issued Q4 adjusted EPS guidance above estimates. Also, the company raised its FY26 guidance above estimates.
📈 PositiveBenzinga•Dec 3, 2025, 09:32 PM
nCino Non-GAAP EPS of $0.31 beats by $0.10, revenue of $152.16M beats by $4.85M
📈 PositiveSeeking Alpha•Dec 3, 2025, 09:15 PM
Ncino Raises FY2026 Adj EPS Guidance from $0.77-$0.80 to $0.90-$0.91 vs $0.79 Est; Raises FY2026 Sales Guidance from $585.000M-$589.000M to $591.900M-$593.400M vs $587.749M Est
📈 PositiveBenzinga•Dec 3, 2025, 09:07 PM
Ncino Sees Q4 Adj EPS $0.21-$0.22 vs $0.19 Est; Sees Sales $146.750M-$148.250M vs $147.020M Est
📈 PositiveBenzinga•Dec 3, 2025, 09:07 PM
Ncino Q3 Adj. EPS $0.31 Beats $0.20 Estimate, Sales $152.163M Beat $146.627M Estimate
📈 PositiveBenzinga•Dec 3, 2025, 09:06 PM
Raymond James Upgrades Ncino to Strong Buy, Announces $36 Price Target
📈 PositiveBenzinga•Oct 20, 2025, 05:11 PM
William Blair Upgrades Ncino to Outperform
📈 PositiveBenzinga•Oct 10, 2025, 12:23 PM
nCino Partners with Baghdadi Capital to Expand in Spain, Streamline Global Operations for Financial Firm
📈 PositiveBenzinga•Oct 9, 2025, 10:33 AM
nCino Unveils New AI Tools to Speed Up Mortgages and Cut Paperwork
📈 PositiveBenzinga•Oct 2, 2025, 11:34 AM
nCino Launches Integration Gateway To Simplify Data Connectivity For Banks, Credit Unions And Fintechs
📈 PositiveBenzinga•Sep 17, 2025, 11:44 AM
Frequently Asked Questions about NCNO
What is NCNO's current stock price?
nCino, Inc. (NCNO) is currently trading at $25.68 per share. The stock has moved +1.54% today.
What is the analyst price target for NCNO?
The average analyst price target for NCNO is $31.50, based on 1 analyst.
What sector is nCino, Inc. in?
nCino, Inc. operates in the Technology sector, specifically within the Software - Application industry. The company is traded on the NASDAQ exchange.
What is NCNO's market cap?
nCino, Inc. has a market capitalization of $2.97 billion, making it a mid-cap company.
Does NCNO pay dividends?
No, nCino, Inc. does not currently pay a dividend to shareholders.
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