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NCNO

nCino, Inc.

NCNO

NASDAQ·Technology·Software - Application·Mkt cap $1.9B

$17.75

+3.50%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$13.80 - $33.92

P/E

355.00

Fwd P/E

14.00

Beta

0.69

Div Yield

0.00%

Avg Vol

3.9M

Shares Out

114.7M

Mkt Cap

$1.9B

Price action

Price chart

Down 38.7% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

4 reasons

  • Proprietary AI and machine learning technology tailored for financial services
  • Comprehensive end-to-end loan lifecycle and account management platform
  • Established customer relationships with diverse financial institutions globally
  • Deep domain expertise in banking regulations and compliance requirements

Bear Case

1 risk

  • Low volatility (beta 0.7).

Growth

Stable outlook

Accelerating digital transformation adoption among financial institutions

Value

Undervalued - trading well below sector peers

Momentum

Stable

+0.3% over 3m

Quality

Excellent

Strong fundamentals

Dividend

None

No dividend

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Aug 25, 2026

Q2 26 RECAP

MAY 27, 2026

Reported EPS of $0.33 vs $0.28 consensus (+17.9% surprise). Revenue of $159.4M vs $155.8M expected (+2.3%). Beat on both top and bottom lines.

EPS beat +17.9%
Rev beat +2.3%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+17.9%

Next: Aug 25, 2026

Revenue trend · last 8Q

+13%

+12%

+10%

+6%

Q1 24

Q2 24

Q3 24

Q4 25

Q1 25

Q2 25

Q3 25

Q4 26

$128.1M

$132.4M

$138.8M

$141.4M

$144.1M

$148.8M

$152.2M

$149.7M

Margins · last 8Q

Gross

61.4%

Operating

1.9%

Profit

5.6%

Wall Street consensus

12 analysts · 75% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

9

75%

Hold

3

25%

Sell

0%

Median Price Target

$21.00

+18.3% vs $17.75

Low $21.00
Median $21.00
High $21.00

Latest: Keefe, Bruyette & Woods · Jun 24, 2026

1 analyst covering

vs Industry

How NCNO stacks vs Software - Application

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.

Related

Peers & themes

Peers

No peer data available.

Themes

No themes assigned.