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nCino, Inc. (NCNO)

Valor Justo
TechnologySoftware - ApplicationUnited States

Fundamental

68

Precio

$19.13

Capitalización Bursátil

$1.92B

Parte 1 · Cuánto vale la empresa

Resumen

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 de septiembre de 2026 with claude-haiku-4-5 — shared with all users

MeridianLink, Inc.MLNK

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.

Q2 Holdings, Inc.QTWO

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.

Finastra (Finastra Group Holdings Limited)Not tracked

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.

Temenos AGTEMN

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.

Abrigo (Abrigo Holdings, formerly Sageworks)Not tracked

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.

Blend Labs, Inc.BLND

Its borrower-facing mortgage and consumer banking origination software competes directly with the nCino Mortgage Suite and nCino's consumer account opening.

Balance y Liquidez

Ingresos

$622M

Últimos 12 meses (hasta 31/7/2026)

Beneficio Neto

$34M

Últimos 12 meses (hasta 31/7/2026)

Flujo de Caja Libre

$83M

Patrimonio Neto Total

$1.06B

Pasivo Total

$579M

Ratio de Liquidez

0.85

Cobertura de Intereses

2.70

Deuda/EBITDA

7.36

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuánto pesa la deuda

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

Caso generalValoración Justa

Valor Justo

$16.83

Precio Actual

$19.13

Margen de Seguridad

-13.7%

Rango de Valor Justo

$10.94 - $22.72

Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.

Métodos de Estimación

Precio objetivo de los analistas:$24.27
Flujo de caja descontado (DCF):$16.84
Múltiplo sobre beneficios (P/E):$4.10
Fórmula de crecimiento de Graham:$5.05
Valor de la capacidad de generar beneficios (EPV):$4.11
P/B justificado:$1.23
Descuento de dividendos (Gordon):Datos insuficientes para calcularlo
P/FFO, fondos de operaciones:$7.18
Beneficios de mitad de ciclo:Datos insuficientes para calcularlo
Múltiplo sobre ingresos:$30.14
Consenso de Analistas:Compra Fuerte (15B / 5H / 0S)
Última Sorpresa de Resultados:+18.10%

Métricas de Valoración

Ratio P/E

60.43

ROE

0.5%

Ratio P/B

2.06

P/FCF

14.50

Margen Bruto

62.2%

ROIC

3.0%

Radar de Rentabilidad

Creación de Valor (Ventaja Competitiva)

ROIC

3.0%

WACC

8.2%

ROIC − WACC

-5.2 pp

El ROIC está por debajo del coste del capital: la empresa destruye valor por cada dólar invertido.

Criterios de Análisis Fundamental

Superado (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

Fallido (7)

  • Price CAGR -19.83%
  • ROIC 3.0%
  • Debt/EBITDA
  • Low reliance on intangibles
  • Price below Graham Number
  • DCF valuation (Overvalued)
  • ROE 3.4%

No disponible (2)

  • Dividend Payout NaN%
  • PEG Ratio (need PE > 0 and growth > 0)

Piotroski F-Score

7/9

Solidez financiera fuerte

score
criteria

Calidad de los Beneficios

3.98

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

-9.7%

Recomprando acciones. Favorable para el accionista

Participaciones institucionales

Gobernanza

Equipo Directivo

NombreCargoEdad
Mr. Pierre NaudeCo-Founder & Chairman of the Board66
Mr. Sean DesmondCEO, President & Director51
Mr. Gregory D. OrensteinCFO & Treasurer56
Ms. April RiegerChief Legal & Administrative Officer and Corporate Secretary45
Ms. Katie SmithDirector of Operations-
Jeanette SellersVice President of Accounting-
Mr. Izak CronierHead of Information Technology-
Mr. Davis BrannanExecutive Vice President of Strategic Operations-
Mr. Anthony MorrisSenior VP of Global Banking Strategy & Customer Advisory-
Mr. Mark BernhardiManaging Director of Australia & New Zealand-

Riesgo de Auditoría

2

Riesgo del Consejo

8

Riesgo de Compensación

6

Riesgo de Derechos del Accionista

5

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Documentos

  • Informe anual (10-K)

    Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.

    Presentado el 2026-03-31

    Ver documento
  • Informe trimestral (10-Q)

    Una actualización del desempeño financiero de los últimos tres meses.

    Presentado el 2026-08-25

    Ver documento
  • Informe de hecho relevante (8-K)

    Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.

    Presentado el 2026-08-25

    Ver documento

via SEC EDGAR

Historial de Resultados

via SEC EDGAR

Latest News

Recent headlines for NCNO, sourced from Markets Gazette.

  • 4/1/2026NEGATIVE
    These 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.

  • 3/5/2026NEUTRAL
    This 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