NCNO

Company Overview — What Does nCino, Inc. Do?

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. nCino, Inc. (NCNO) is classified as a small-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO Pierre Naudé and employs approximately 1,680 people. With a market capitalization of $1.9B, NCNO is one of the notable companies in the Technology sector.

nCino, Inc. (NCNO) Stock Rating — Reduce (April 2026)

As of April 2026, nCino, Inc. receives a Reduce rating with a composite score of 35.2/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.NCNO ranks #3,124 out of 4,446 stocks in our coverage universe. Within the Technology sector, nCino, Inc. ranks #357 of 584 stocks, placing it in the lower half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

NCNO Stock Price and 52-Week Range

nCino, Inc. (NCNO) currently trades at $17.69. The 52-week high for NCNO is $33.92, which means the stock is currently trading -47.8% from its annual peak. The 52-week low is $13.80, putting the stock 28.2% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is NCNO Overvalued or Undervalued? — Valuation Analysis

nCino, Inc. (NCNO) carries a value factor score of 39/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 353.80x, compared to the Technology sector average of 45.27x — a premium of 682%. The price-to-book ratio stands at 1.95x, versus the sector average of 3.16x. The price-to-sales ratio is 3.53x, compared to 1.06x for the average Technology stock. On an enterprise value basis, NCNO trades at 24866.45x EV/EBITDA, versus 12.79x for the sector.

At current multiples, nCino, Inc. trades at a premium to most Technology peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

nCino, Inc. Profitability — ROE, Margins, and Quality Score

nCino, Inc. (NCNO) earns a quality factor score of 39/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -0.3%, compared to the Technology sector average of -1.4%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -0.2% versus the sector average of -1.0%.

On a margin basis, nCino, Inc. reports gross margins of 60.5%, compared to 50.9% for the sector. The operating margin is -0.0% (sector: -0.5%). Net profit margin stands at -0.6%, versus -1.5% for the average Technology stock. Revenue growth is running at 14.9% on a trailing basis, compared to 14.2% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

NCNO Debt, Balance Sheet, and Financial Health

nCino, Inc. has a debt-to-equity ratio of 55.0%, compared to the Technology sector average of 43.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.00x, which may signal near-term liquidity tightness.

NCNO has a beta of 0.90, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for nCino, Inc. is 46/100, reflecting average volatility within the normal range for its sector.

nCino, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, nCino, Inc. reported revenue of $584M and earnings per share (EPS) of $0.05. Net income for the quarter was $-3M. Gross margin was 60.5%. Operating income came in at $83,000.

In FY 2026, nCino, Inc. reported revenue of $595M and earnings per share (EPS) of $0.05. Net income for the quarter was $10M. Gross margin was 60.6%. Revenue grew 10.0% year-over-year compared to FY 2025. Operating income came in at $4M.

In Q3 2026, nCino, Inc. reported revenue of $152M and earnings per share (EPS) of $0.06. Net income for the quarter was $9M. Gross margin was 61.6%. Revenue grew 9.6% year-over-year compared to Q3 2025. Operating income came in at $12M.

In Q2 2026, nCino, Inc. reported revenue of $149M and earnings per share (EPS) of $-0.13. Net income for the quarter was $-14M. Gross margin was 59.2%. Revenue grew 12.4% year-over-year compared to Q2 2025. Operating income came in at $-9M.

Over the past 8 quarters, nCino, Inc. has demonstrated a growth trajectory, with revenue expanding from $132M to $584M. Investors analyzing NCNO stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

NCNO Dividend Yield and Income Analysis

nCino, Inc. (NCNO) does not currently pay a dividend. This is common among smaller companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.

NCNO Momentum and Technical Analysis Profile

nCino, Inc. (NCNO) has a momentum factor score of 17/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 27/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 62/100 reflects moderate short selling activity.

NCNO vs Competitors — Technology Sector Ranking and Peer Comparison

Within the Technology sector, nCino, Inc. (NCNO) ranks #357 out of 584 stocks based on the Blank Capital composite score. This places NCNO in the lower half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.

Comparing NCNO against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full NCNO vs S&P 500 (SPY) comparison to assess how nCino, Inc. stacks up against the broader market across all factor dimensions.

NCNO Next Earnings Date

No upcoming earnings date has been announced for nCino, Inc. (NCNO) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy NCNO? — Investment Thesis Summary

The quantitative profile for nCino, Inc. suggests caution. The quality score of 39/100 flags below-average profitability. The value score of 39/100 indicates premium valuation. Momentum is weak at 17/100, a headwind for near-term performance.

In summary, nCino, Inc. (NCNO) earns a Reduce rating with a composite score of 35.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on NCNO stock.

Related Resources for NCNO Investors

Explore more research and tools: NCNO vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare NCNO head-to-head with peers: NCNO vs IHS, NCNO vs VRSN, NCNO vs ESE.