NCNO

nCino Inc

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Advanced Chart

26.420

+0.22(0.840%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

26.550

Open

26.340

VWAP

26.37

Vol

709.34K

Mkt Cap

3.06B

Low

26.130

Amount

18.71M

EV/EBITDA(TTM)

100.74

Total Shares

115.08M

3.17B

EV/OCF(TTM)

57.63

P/S(TTM)

5.45

nCino, Inc. is a global provider of cloud banking solutions for the global financial services industry. The Company is a software-as-a-service (SaaS) company that provides software solutions to financial institutions (FIs) to streamline employee and client interactions. It delivers solutions such as cloud computing application and platform services with a multi-tenant technology and shared service-oriented architecture. The nCino Platform is embedded with data and artificial intelligence (AI) that helps FIs digitize and reengineer business processes across multiple lines of business, from commercial, consumer and small business banking to mortgage lending, by offering solutions such as onboarding, account opening, lending, and portfolio management solutions. It offers solutions to community banks, credit unions, independent mortgage banks, and financial entities.

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Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q4

FY2026Q3

FY2026Q2

147.95M

+4.66%

0.208

+72.99%

146.05M

+5.23%

0.194

-7.65%

143.17M

+8.13%

0.139

-0.59%

Estimates Revision

The market is revising Upward the revenue expectations for nCino, Inc. (NCNO) for FY2026, with the revenue forecasts being adjusted by 0.89% over the past three months. During the same period, the stock price has changed by 10.50%.

Revenue Estimates for FY2026

Revise Upward

+0.89%

In Past 3 Month

EPS Estimates for FY2026

Revise Upward

+3.5%

In Past 3 Month

Stock Price

Go Up

+10.50%

In Past 3 Month

17 Analyst Rating

20.17% Upside

Wall Street analysts forecast NCNO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NCNO is 31.75 USD with a low forecast of 27.00 USD and a high forecast of 35.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

7 Buy

10 Hold

0 Sell

Moderate Buy

20.17% Upside

Current: 26.420

Low

27.00

Averages

31.75

High

35.00

20.17% Upside

Current: 26.420

Low

27.00

Averages

31.75

High

35.00

Morgan Stanley

Equal Weight

maintain

$29 -> $33

2025-07-21

Reason

Morgan Stanley

Price Target

$29 -> $33

2025-07-21

maintain

Equal Weight

Reason

Morgan Stanley raised the firm's price target on nCino to $33 from $29 and keeps an Equal Weight rating on the shares. The firm said it is stepping away tactically positive and expects modest beats and raises throughout the year coupled with more detailed Annual Contract Value visibility to support shares near-term. Morgan Stanley added that it remains Equal Weight as it prefers to observe execution and attachment of Banking Advisor within U.S. commercial.

Baird

Neutral -> Outperform

upgrade

$30 -> $38

2025-07-14

Reason

Baird

Price Target

$30 -> $38

2025-07-14

upgrade

Neutral -> Outperform

Reason

Baird upgraded nCino to Outperform from Neutral with a price target of $38, up from $30. The firm likes the share setup, saying macro conditions are likely turning higher alongside nCino's go-to-market catalysts and new product momentum. With expectations having been reset lower, the company has the best estimate upside potential in years, the analyst tells investors in a research note. Baird found nCino management confident in recent meetings.

JPMorgan

Neutral

initiated

$30

2025-06-19

Reason

JPMorgan

Price Target

$30

2025-06-19

initiated

Neutral

Reason

JPMorgan initiated coverage of nCino (NCNO) with a Neutral rating and $30 price target. The firm finds the digital banking space an attractive investment arena. nCino is uniquely benefiting from industry experience in both banking and technology, having been spun out as a separate company from a bank in late 2011, the analyst tells investors in a research note. JPMorgan, however, prefers the "more defensive qualities" of Alkami Technology (ALKT) and Q2 Holdings (QTWO) to nCino. nCino is undergoing a transition year with a lot of uncertainties, it contends.

Citizens JMP

Outperform

maintain

$32 -> $35

2025-06-09

Reason

Citizens JMP

Price Target

$32 -> $35

2025-06-09

maintain

Outperform

Reason

Citizens JMP raised the firm's price target on nCino (NCNO) to $35 from $32 and keeps an Outperform rating on the shares after meeting with the company's management. Citizens believes that the company's new guidance philosophy sets up a nice beat-and-raise cadence for the remainder of fiscal 2026, the analyst tells investors in a research note. While the relationship with Salesforce (CRM) remains important, Citizens believes that as nCino moves beyond workflows into more analytics and onboarding, the company will continue to utilize AWS (AMZN) more and more on a relative basis, which should increase subscription gross margins.

Barclays

Overweight

maintain

$24 -> $31

2025-05-29

Reason

Barclays

Price Target

$24 -> $31

2025-05-29

maintain

Overweight

Reason

Barclays raised the firm's price target on nCino to $31 from $24 and keeps an Overweight rating on the shares. The company reported better Q1 revenue and is flowing through the upside to the fiscal 2026 guide while annual contract value expectations are unchanged, which continues to support re-acceleration next year, the analyst tells investors in a research note.

Keefe Bruyette

Outperform

maintain

$28 -> $33

2025-05-29

Reason

Keefe Bruyette

Price Target

$28 -> $33

2025-05-29

maintain

Outperform

Reason

Keefe Bruyette raised the firm's price target on nCino to $33 from $28 and keeps an Outperform rating on the shares. nCino's beat-and-raise print is a solid start to the year, the analyst tells investors in a research note.

See All Ratings

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Valuation Metrics

The current forward P/E ratio for nCino Inc (NCNO.O) is 34.93, compared to its 5-year average forward P/E of -107.41. For a more detailed relative valuation and DCF analysis to assess nCino Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A

5Y Average PE

-107.41

Current PE

34.93

Overvalued PE

88.12

Undervalued PE

-302.94

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

-144.59

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

449.23

Undervalued EV/EBITDA

-738.41

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

12.30

Current PS

0.00

Overvalued PS

21.10

Undervalued PS

3.50