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NCNO
nCino, Inc. – NASDAQ
Weekly Share Price & Valuation Overview
Market Overview
Open
27.5600
Close
27.7500
High
27.9600
Low
27.4350
Trend
0.27791

nCino, Inc.

United States • NASDAQ - Nasdaq • NCNO • Currency: USD

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 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 Account Opening solution, which includes Deposit Account Opening solution for consumers and small businesses. The company also provides Lending solution, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as Commercial Loan Origination System that automates 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 Portfolio Management solution to manage credit risks, monitor performance, and uncover growth opportunities through data-driven platform; and Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data. The company serves community banks, credit unions, enterprise banks, independent mortgage banks, building societies, and mutuals directly through its 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.

Key strengths
  • Revenue growth ≥10% indicates solid top-line momentum.
Scale & Structure Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares.
Market Cap Total equity value of the company (share price × shares outstanding).
USD 3.22B
Enterprise Value Operating value: market cap + total debt − cash.
USD 3.34B
Total Revenue (TTM) Sales over the last twelve months. May be estimated from revenue per share when inconsistent.
USD 556.71M
Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).
USD 4.83
EPS (TTM) Earnings per share over the last twelve months (may be estimated from net income ÷ shares).
-0.25
Shares Outstanding
115.94M
Float Shares
104.81M
Implied Shares Outstanding
115.94M
Profitability & Efficiency TTM basis. “Reconciled” = numerator ÷ TTM revenue. Financials: EBITDA/Gross Profit may be hidden where not meaningful. EBITDA suppressed where implausible vs revenue.
Operating Margin (TTM) Operating income ÷ revenue over the last twelve months (reconciled when possible).
-0.12%
Profit Margin (TTM) Net income ÷ revenue over the last twelve months (reconciled when possible).
-5.27%
ROA Return on assets: net income ÷ total assets.
-0.29%
ROE Return on equity: net income ÷ shareholder equity.
-2.30%
Growth Growth rates are YoY unless labeled QoQ.
Revenue Growth Strong Year-over-year revenue growth.
12.50%
Earnings Growth (YoY) Year-over-year earnings growth.
0.44%
Liquidity & Solvency Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).
Quick Ratio Liquid current assets ÷ current liabilities (ex-inventory).
0.91
Debt to Equity Total debt ÷ shareholder equity; leverage.
0.26
Total Cash Cash and equivalents.
USD 133.23M
Total Debt Short + long-term interest-bearing debt.
USD 278.35M
Net Debt Total debt − cash (negative = net cash).
USD 145.12M
Sharemaestro House View
Confidence: 1 Sharemaestro internal conviction (0–3, higher is better). Risk: 2 Sharemaestro internal risk profile (0–3, higher is safer). Operational: 2 Operational quality/consistency (0–3, higher is better). Composite Score: 2 Overall internal composite (0–3, higher is better). Suggested Allocation: 3.33% Indicative portfolio weighting suggestion based on house view.
Structural Insights (experimental)
Ownership & Liquidity
Free Float Proportion of shares available for public trading. 90.4%
Insiders Shares held by company insiders (officers, directors). 2.3%
Institutions Shares held by institutions (funds, pensions). 1.2%
Capital Structure
Potential Dilution Increase in share count if options/convertibles exercise.
None detected
Net Debt Total debt − cash (negative = net cash).
USD 145.12M
26.1% of revenue Net debt relative to revenue — debt load vs business scale.
Resilience Score 0–100 composite of liquidity, leverage and cash conversion; higher is better. If inputs are unavailable, we estimate using proxies (Net debt vs revenue, Cash-to-Debt). It is a guide, not a rating. 71
Methodology Notes
  • EBITDA & EBITDA margin suppressed (implausible vs revenue or not meaningful for financials).
  • Gross Profit hidden for financial institutions (often redundant with revenue).
As of: 2025-08-18 10:07

Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.

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