nCino, Inc. (NCNO)
合理估值基本面
68
价格
$19.13
市值
$1.92B
第一部分 · 这家公司值多少
概览
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
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.
资产负债表与流动性
营收
$622M
最近12个月(截至2026/7/31)
净利润
$34M
最近12个月(截至2026/7/31)
自由现金流
$83M
股东权益合计
$1.06B
负债合计
$579M
流动比率
0.85
利息覆盖率
2.70
债务/EBITDA
7.36
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
债务负担有多重
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$16.83
当前价格
$19.13
安全边际
-13.7%
公允价值区间
$10.94 - $22.72
所用估值方法之间的离散区间,并非经过统计校准的置信区间。
估算方法
估值指标
市盈率(P/E)
60.43
ROE
0.5%
市净率(P/B)
2.06
P/FCF
14.50
毛利率
62.2%
ROIC
3.0%
盈利能力雷达图
价值创造(经济护城河)
ROIC
3.0%
WACC
8.2%
ROIC − WACC
-5.2 pp
ROIC 低于资本成本:公司每投入一美元都在毁灭价值。
基本面分析标准
通过(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
未通过(7)
- Price CAGR -19.83%
- ROIC 3.0%
- Debt/EBITDA
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Overvalued)
- ROE 3.4%
不可用(2)
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-评分
财务状况强健
盈利质量
高质量:盈利有现金流支撑
股权稀释
正在回购股份,对股东友好
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 | - |
审计风险
2
董事会风险
8
薪酬风险
6
股东权利风险
5
第二部分 · 价格与买入时机
这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。
损益历史
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