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nCino, Inc. (NCNO)

NEUTRAL
TechnologySoftware - ApplicationUnited States

Fondamentale

60

Prezzo

$20.45

Capitalizzazione

$2.27B

Parte 1 · Quanto vale l'azienda

Panoramica

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.

Per questa società non c'è ancora una scheda redazionale

Concorrenti diretti

Con chi questa società si contende gli stessi clienti

Per questa società non c'è ancora una scheda redazionale

Per questa società non c'è ancora un elenco di concorrenti.

Stato Patrimoniale e Liquidità

Ricavi

$610M

Ultimi 12 mesi (al 30/04/2026)

Utile Netto

$13M

Ultimi 12 mesi (al 30/04/2026)

Free Cash Flow

$83M

Patrimonio Netto Totale

$1.06B

Passività Totali

$579M

Rapporto di Liquidità

0.89

Copertura Interessi

1.51

Debito/EBITDA

7.11

Utile per Azione

Ricavi e Utile Netto

Free Cash Flow

Scomposizione Ricavi

Prospetto storico

Margini nel tempo

Il debito nel tempo

Quanto pesa il debito

Griglia della crescita

Crescita — Ricavi

Stima del Fair Value

Sopravvalutato

Fair Value

$15.79

Prezzo Attuale

$20.45

Margine di Sicurezza

-29.5%

Range Fair Value

$10.26 - $21.32

Metodi di Stima

Analyst Target:$23.36
DCF:$16.88
PE-based:$1.60
Graham Growth:$1.95
EPV:$2.17
Consenso Analisti:Strong Buy (15B / 5H / 0S)
Ultima Sorpresa Utili:+27.60%

Metriche di Valutazione

Rapporto P/E

174.58

ROE

0.5%

Rapporto P/B

2.37

P/FCF

20.72

Margine Lordo

61.4%

ROIC

1.6%

Radar Redditività

Creazione di Valore (Vantaggio Competitivo)

ROIC

1.6%

WACC

8.2%

ROIC − WACC

-6.6 pp

Il ROIC è sotto il costo del capitale: l'azienda distrugge valore per ogni dollaro investito.

Criteri di Analisi Fondamentale

Superati (17)

  • EPS shows upward trend
  • Gross Margin 61.4%
  • P/FCF 20.72
  • P/B Ratio 2.37
  • Debt/Equity ratio
  • 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 52.1%
  • Earnings Quality (OCF/NI) 8.84
  • Share Dilution -9.7%
  • Net Margin Trend 2.2% vs -5.3%
  • Piotroski F-Score 7/9

Non superati (8)

  • Price CAGR -18.89%
  • ROIC 1.6%
  • Operating Margin 4.3%
  • Debt/EBITDA
  • Low reliance on intangibles
  • Price below Graham Number
  • DCF valuation (Overvalued)
  • ROE 1.3%

Non disponibili (2)

  • Dividend Payout NaN%
  • PEG Ratio (need PE > 0 and growth > 0)

Piotroski F-Score

7/9

Salute finanziaria forte

score
criteria

Qualità degli Utili

8.84

Alta qualità: utili supportati da cash

Diluizione Azionaria

-9.7%

Riacquisto azioni. Favorevole agli azionisti

Governance

Team Dirigenziale

NomeRuoloEtà
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-

Rischio Audit

2

Rischio CdA

8

Rischio Compensi

6

Rischio Diritti Azionisti

5

Parte 2 · Il prezzo e il momento d'ingresso

Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.

Ultime Notizie

Ultime notizie per NCNO, da 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