nCino, Inc. (NCNO)
Fair bewertetFundamental
68
Kurs
$18.13
Marktkapitalisierung
$1.92B
Teil 1 · Was das Unternehmen wert ist
Übersicht
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 19. September 2026 with claude-haiku-4-5 — shared with all users
Sells cloud loan origination and deposit account opening software to the same US community banks and credit unions nCino targets, across consumer, mortgage and small-business lending.
Competes for the same digital banking budget at banks and credit unions, with account opening and its Cloud Lending origination suite overlapping nCino's onboarding and lending modules.
Its Loan IQ and commercial origination products go head to head with nCino for the corporate and syndicated lending systems of mid-size and large banks worldwide.
Offers banks in Europe, Asia-Pacific and the Americas an end-to-end banking platform whose origination and onboarding modules replace the need for nCino's.
A long-standing commercial lending and credit-analysis platform for US community banks, chasing exactly the loan origination deals nCino bids for in that segment.
Its borrower-facing mortgage and consumer banking origination software competes directly with the nCino Mortgage Suite and nCino's consumer account opening.
Bilanz & Liquidität
Umsatz
$622M
Letzte 12 Monate (bis 31.7.2026)
Nettogewinn
$34M
Letzte 12 Monate (bis 31.7.2026)
Freier Cashflow
$83M
Gesamtes Eigenkapital
$1.06B
Gesamtverbindlichkeiten
$579M
Current Ratio
0.85
Zinsdeckungsgrad
2.70
Schulden/EBITDA
7.36
Gewinn je Aktie
Umsatz & Nettogewinn
Freier Cashflow
Ertragsaufschlüsselung
Historische Aufstellung
Margen im Zeitverlauf
Verschuldung im Zeitverlauf
Wie schwer die Schulden wiegen
Wachstumsraster
Wachstum — Umsatz
Innerer-Wert-Schätzung
Innerer Wert
$16.83
Aktueller Kurs
$18.13
Sicherheitsmarge
-7.7%
Innerer-Wert-Spanne
$10.94 - $22.72
Streubreite zwischen den verwendeten Bewertungsmethoden, kein statistisch kalibriertes Konfidenzintervall.
Bewertungsmethoden
Bewertungskennzahlen
P/E-Verhältnis
60.43
ROE
0.5%
P/B-Verhältnis
2.06
P/FCF
14.50
Bruttomarge
62.2%
ROIC
3.0%
Rentabilitäts-Radar
Wertschöpfung (Wettbewerbsvorteil)
ROIC
3.0%
WACC
8.2%
ROIC − WACC
-5.2 pp
Der ROIC liegt unter den Kapitalkosten: Das Unternehmen vernichtet für jeden investierten Dollar Wert.
Fundamentalanalyse-Kriterien
Bestanden (18)
- EPS shows upward trend
- Gross Margin 62.2%
- P/FCF 14.50
- P/B Ratio 2.06
- Debt/Equity ratio
- Operating Margin 7.9%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Interest Coverage
- Return on Tangible Assets
- Revenue Growth 5Y 23.8%
- Analyst Consensus 75% Buy
- Earnings Surprise avg 43.2%
- Earnings Quality (OCF/NI) 3.98
- Share Dilution -9.7%
- Net Margin Trend 5.4% vs -5.9%
- Piotroski F-Score 7/9
Nicht bestanden (7)
- Price CAGR -19.83%
- ROIC 3.0%
- Debt/EBITDA
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Overvalued)
- ROE 3.4%
Nicht verfügbar (2)
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
Starke finanzielle Gesundheit
Gewinnqualität
Hohe Qualität: Gewinne durch Cashflow gedeckt
Aktienverwässerung
Aktienrückkäufe. Aktionärsfreundlich
Institutionelle Beteiligungen
Unternehmensführung
Führungsteam
| Name | Position | Alter |
|---|---|---|
| Mr. Pierre Naude | Co-Founder & Chairman of the Board | 66 |
| Mr. Sean Desmond | CEO, President & Director | 51 |
| Mr. Gregory D. Orenstein | CFO & Treasurer | 56 |
| Ms. April Rieger | Chief Legal & Administrative Officer and Corporate Secretary | 45 |
| Ms. Katie Smith | Director of Operations | - |
| Jeanette Sellers | Vice President of Accounting | - |
| Mr. Izak Cronier | Head of Information Technology | - |
| Mr. Davis Brannan | Executive Vice President of Strategic Operations | - |
| Mr. Anthony Morris | Senior VP of Global Banking Strategy & Customer Advisory | - |
| Mr. Mark Bernhardi | Managing Director of Australia & New Zealand | - |
Prüfungsrisiko
2
Vorstandsrisiko
8
Vergütungsrisiko
6
Aktionärsrechterisiko
5
Teil 2 · Der Preis und der Einstiegszeitpunkt
Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.
Dokumente
- Dokument ansehen
Jahresbericht (10-K)
Ein jährlicher Überblick über das Geschäft, die Finanzergebnisse und die Risiken des Unternehmens.
Eingereicht am 2026-03-31
- Dokument ansehen
Quartalsbericht (10-Q)
Ein Update zur finanziellen Entwicklung der letzten drei Monate.
Eingereicht am 2026-08-25
- Dokument ansehen
Ad-hoc-Meldung (8-K)
Eine Mitteilung über ein wichtiges Ereignis, etwa einen Führungswechsel oder eine bedeutende Ankündigung.
Eingereicht am 2026-08-25
via SEC EDGAR
Ertragshistorie
via SEC EDGAR
Latest News
Recent headlines for NCNO, sourced from Markets Gazette.
- 4/1/2026NEGATIVEThese Analysts Slash Their Forecasts On nCino Following Q4 Results
Despite nCino Inc. (NASDAQ:NCNO) reporting strong Q4 results and issuing upbeat guidance, alongside a new Chief Revenue Officer appointment, analysts have revised their price targets downwards. This divergence suggests that while the company's operational performance met or exceeded expectations, the forward-looking analyst sentiment is cautious. Investors should monitor the specific reasons cited by analysts for the target reductions, as they may indicate underlying concerns about future growth, competitive pressures, or market conditions that could impact the stock's trajectory.
- 3/5/2026NEUTRALThis Investor Built a $34 Million Stake in nCino Despite Shares Sinking 50% in One Year
An investor has built a $34 million stake in nCino (NCNO), even as the stock has fallen 50% over the past year. nCino, a cloud banking software provider serving financial institutions with SaaS solutions focused on automation, analytics, and compliance, is experiencing a significant market correction. This substantial investment, going against the prevailing negative trend, may signal long-term conviction in the stock's recovery potential or undervaluation. However, the stock's prior poor performance and the speculative nature of this move render the signal neutral for the broader market, pending operational confirmations or a sentiment shift.
via Markets Gazette