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nCino, Inc. (NCNO)

Juste valeur
TechnologySoftware - ApplicationUnited States

Fondamental

68

Prix

$19.13

Capitalisation boursière

$1.92B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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 septembre 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.

Bilan & Liquidités

Chiffre d'affaires

$622M

12 derniers mois (au 31/07/2026)

Résultat net

$34M

12 derniers mois (au 31/07/2026)

Flux de trésorerie libre

$83M

Capitaux propres totaux

$1.06B

Passif total

$579M

Ratio de liquidité général

0.85

Couverture des intérêts

2.70

Dette/EBITDA

7.36

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Le poids de la dette

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

Cas généralJustement valorisé

Juste valeur

$16.83

Prix actuel

$19.13

Marge de sécurité

-13.7%

Fourchette de juste valeur

$10.94 - $22.72

Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.

Méthodes d'estimation

Objectif de cours des analystes:$24.27
Flux de trésorerie actualisés (DCF):$16.84
Multiple de résultat (P/E):$4.10
Formule de croissance de Graham:$5.05
Valeur de la capacité bénéficiaire (EPV):$4.11
P/B justifié:$1.23
Actualisation des dividendes (Gordon):Données insuffisantes pour le calculer
P/FFO, les fonds provenant de l'exploitation:$7.18
Bénéfices de milieu de cycle:Données insuffisantes pour le calculer
Multiple sur le chiffre d'affaires:$30.14
Consensus des analystes:Achat fort (15B / 5H / 0S)
Dernière surprise sur les résultats:+18.10%

Indicateurs de valorisation

Ratio P/E

60.43

ROE

0.5%

Ratio P/B

2.06

P/FCF

14.50

Marge brute

62.2%

ROIC

3.0%

Radar de rentabilité

Création de valeur (avantage concurrentiel)

ROIC

3.0%

WACC

8.2%

ROIC − WACC

-5.2 pp

Le ROIC est inférieur au coût du capital — l'entreprise détruit de la valeur pour chaque dollar investi.

Critères d'analyse fondamentale

Réussi (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

Échoué (7)

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

Indisponible (2)

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

Score F de Piotroski

7/9

Santé financière solide

score
criteria

Qualité des bénéfices

3.98

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

-9.7%

Rachat d'actions. Favorable aux actionnaires

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
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-

Risque d'audit

2

Risque du conseil

8

Risque de rémunération

6

Risque droits des actionnaires

5

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Documents

  • Rapport annuel (10-K)

    Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

    Déposé le 2026-03-31

    Voir le document
  • Rapport trimestriel (10-Q)

    Une mise à jour de la performance financière des trois derniers mois.

    Déposé le 2026-08-25

    Voir le document
  • Rapport d'événement important (8-K)

    Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

    Déposé le 2026-08-25

    Voir le document

via SEC EDGAR

Historique des résultats

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