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nCino, Inc. (NCNO)

適正価値
TechnologySoftware - ApplicationUnited States

ファンダメンタル

68

株価

$19.13

時価総額

$1.92B

パート1 · 企業の価値

概要

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 2026年9月19日 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.

貸借対照表と流動性

売上高

$622M

直近12か月(2026/7/31まで)

純利益

$34M

直近12か月(2026/7/31まで)

フリーキャッシュフロー

$83M

自己資本合計

$1.06B

負債合計

$579M

流動比率

0.85

利払い倍率

2.70

負債/EBITDA

7.36

一株当たり利益(EPS)

売上高と純利益

フリーキャッシュフロー

収益内訳

財務推移表

利益率の推移

負債の推移

負債の重さ

成長率グリッド

成長率 — 売上高

適正価値の推定

一般的なケース適正価値

適正価値

$16.83

現在株価

$19.13

安全マージン

-13.7%

適正価値レンジ

$10.94 - $22.72

使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。

推定方法

アナリストの目標株価:$24.27
ディスカウンテッド・キャッシュフロー(DCF):$16.84
利益倍率(P/E):$4.10
グレアムの成長公式:$5.05
収益力価値(EPV):$4.11
正当化されたP/B:$1.23
配当割引モデル(ゴードン):算出に必要なデータが不足しています
P/FFO(運用から生まれる資金):$7.18
中間サイクル利益:算出に必要なデータが不足しています
売上高倍率:$30.14
アナリスト・コンセンサス:強い買い (15B / 5H / 0S)
直近の決算サプライズ:+18.10%

バリュエーション指標

P/E レシオ

60.43

ROE

0.5%

P/B レシオ

2.06

P/FCF

14.50

粗利益率

62.2%

ROIC

3.0%

収益性レーダー

価値創造(経済的モート)

ROIC

3.0%

WACC

8.2%

ROIC − WACC

-5.2 pp

ROICが資本コストを下回っています。投資した1ドルごとに企業は価値を破壊しています。

ファンダメンタル分析基準

合格(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

不合格(7)

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

データなし(2)

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

Piotroski F-スコア

7/9

財務健全性が高い

score
criteria

利益の質

3.98

高品質:利益はキャッシュに裏付けられている

株式希薄化

-9.7%

株式を買い戻している。株主に友好的

機関投資家の保有

ガバナンス

経営陣

氏名役職年齢
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-

監査リスク

2

取締役会リスク

8

報酬リスク

6

株主権利リスク

5

パート2 · 株価と買い時

この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。

書類

  • 年次報告書(10-K)

    事業内容、財務実績、リスクをまとめた年次の概要。

    提出日: 2026-03-31

    書類を見る
  • 四半期報告書(10-Q)

    直近3か月間の業績に関する最新情報。

    提出日: 2026-08-25

    書類を見る
  • 臨時報告書(8-K)

    経営陣の交代や重要な発表など、大きな出来事に関するお知らせ。

    提出日: 2026-08-25

    書類を見る

via SEC EDGAR

業績推移

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