nCino, Inc. (NCNO)
Valor JustoFundamental
68
Preço
$18.13
Capitalização de Mercado
$1.92B
Parte 1 · Quanto vale a empresa
Visão Geral
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 setembro de 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.
Balanço & Liquidez
Receita
$622M
Últimos 12 meses (até 31/07/2026)
Resultado Líquido
$34M
Últimos 12 meses (até 31/07/2026)
Fluxo de Caixa Livre
$83M
Capital Próprio Total
$1.06B
Passivo Total
$579M
Rácio de Liquidez
0.85
Cobertura de Juros
2.70
Dívida/EBITDA
7.36
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Quanto pesa a dívida
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$16.83
Preço Atual
$18.13
Margem de Segurança
-7.7%
Intervalo de Valor Justo
$10.94 - $22.72
Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
60.43
ROE
0.5%
Rácio P/B
2.06
P/FCF
14.50
Margem Bruta
62.2%
ROIC
3.0%
Radar de Rentabilidade
Criação de Valor (Vantagem Competitiva)
ROIC
3.0%
WACC
8.2%
ROIC − WACC
-5.2 pp
O ROIC está abaixo do custo do capital — a empresa está a destruir valor a cada dólar investido.
Critérios de Análise Fundamental
Aprovado (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
Reprovado (7)
- Price CAGR -19.83%
- ROIC 3.0%
- Debt/EBITDA
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Overvalued)
- ROE 3.4%
Indisponível (2)
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
Saúde financeira sólida
Qualidade dos Resultados
Alta qualidade: resultados respaldados por caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Participações institucionais
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| 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 | - |
Risco de Auditoria
2
Risco do Conselho
8
Risco de Remuneração
6
Risco dos Direitos dos Acionistas
5
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Documentos
- Ver documento
Relatório anual (10-K)
Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.
Arquivado em 2026-03-31
- Ver documento
Relatório trimestral (10-Q)
Uma atualização sobre o desempenho financeiro dos últimos três meses.
Arquivado em 2026-08-25
- Ver documento
Relatório de fato relevante (8-K)
Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.
Arquivado em 2026-08-25
via SEC EDGAR
Histórico de Resultados
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