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nCino, Inc. (NCNO)

Valor Justo
TechnologySoftware - ApplicationUnited States

Fundamental

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

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.

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

Caso geralJustamente Valorizada

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

Preço-alvo dos analistas:$24.27
Fluxo de caixa descontado (DCF):$16.84
Multiplicador de lucros (P/E):$4.10
Fórmula de crescimento de Graham:$5.05
Valor da capacidade de gerar lucro (EPV):$4.11
P/B justificado:$1.23
Desconto de dividendos (Gordon):Dados insuficientes para o calcular
P/FFO, fundos de operações:$7.18
Lucros de meio de ciclo:Dados insuficientes para o calcular
Multiplicador sobre as receitas:$30.14
Consenso dos Analistas:Compra Forte (15B / 5H / 0S)
Última Surpresa de Resultados:+18.10%

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

7/9

Saúde financeira sólida

score
criteria

Qualidade dos Resultados

3.98

Alta qualidade: resultados respaldados por caixa

Diluição de Ações

-9.7%

A recomprar ações. Favorável ao acionista

Participações institucionais

Governação

Equipa Executiva

NomeCargoIdade
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-

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

  • 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

    Ver documento

via SEC EDGAR

Histórico 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