NCNO
nCino, Inc.
NCNO
18.68USD
-3.46%
Oct 05, 2026
Price
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Price Action
Price trend is broken
Longer-term context reads early recovery, with a near-term setup of failed reclaim.
The tactical setup reads failed reclaim, but the weekly structure is broken.
EntryWeak / unconfirmed recovery
The daily chart may be improving, but the weekly fast averages have not been reclaimed — the recovery is not yet confirmed on the higher timeframe.
Key Financials
- Market Cap
- $2.0B
- Avg Volume (60D)
- 2.4M
- Revenue Growth YoY
- +10.0%
- Gross Margin
- +62.2%
- Operating Margin
- +7.9%
- Free Cash Flow Yield
- +6.7%
- Distance from 200DMA
- -0.1%
- P/E
- 58.8x
- EV / EBITDA
- 24.0x
- EV / Sales
- 3.5x
60 sessions
FY2026 vs FY2025
Trailing twelve months
Trailing twelve months
Market metrics as of Oct 2, 2026
Financial results for the period ended Jul 31, 2026
Filed balance-sheet data as of Jul 31, 2026
Fundamentals & Valuation
Two of the three valuation perspectives say cheap; peers is the dissenting view.
nCino, Inc. has a Cheap valuation stance because current market expectations look undemanding relative to how much growth and cash flow it delivers per turn of revenue multiple.
Company Research
Thesis
NCino is a banking-vertical software pure play supplying an integrated cloud platform for financial-institution onboarding, account opening, lending, portfolio and workflow processes.
Opportunity
Moderate opportunity
Financial institutions replacing fragmented, manual and legacy banking processes with cloud software that digitizes customer onboarding, deposit-account opening, credit decisioning and loan-origination workflows across business lines.
Key risk
Dependence on continued adoption of cloud technology by financial institutions.
Narrative & Theme
Financial Institution Digital Modernization
Part of Cloud Banking Workflow, Onboarding and Loan Origination, with strong fit.
NCNO has a direct and credible fit to a real, multi-company banking-technology demand system, but that system is not represented in the promoted active narratives.
Narrative HeatNeutral5.3 / 10
Theme HeatNeutral6.7 / 10
This is the company’s own research reading. The canonical heat measurement for this story has not run.
Business & Markets
Technology · Software - Application
What they do
NCino, Inc. provides cloud-based software solutions that streamline and automate processes for financial institutions, operating primarily through its nCino Platform.
How it earns
The company generates revenue mainly through subscription-based software-as-a-service (SaaS) contracts.
Products & services
Onboarding solution
Account Opening solution
Customers & end markets
Financial institutions in the United States
Financial institutions in the United Kingdom and internationally
Market position
NCino is a recognized leader in cloud-based banking software solutions for financial institutions.
Demand drivers
Medium cyclicality
Demand is influenced by financial sector investment cycles and regulatory changes impacting banking operations.