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Upturn AI SWOT - About
NCNO 
nCino Inc (NCNO)
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Upturn Advisory Summary
08/14/2025: NCNO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $32
1 Year Target Price $32
| 1 | Strong Buy |
| 5 | Buy |
| 10 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.49% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.19B USD | Price to earnings Ratio - | 1Y Target Price 32 |
Price to earnings Ratio - | 1Y Target Price 32 | ||
Volume (30-day avg) 16 | Beta 0.77 | 52 Weeks Range 18.75 - 43.20 | Updated Date 08/15/2025 |
52 Weeks Range 18.75 - 43.20 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -5.27% | Operating Margin (TTM) -0.12% |
Management Effectiveness
Return on Assets (TTM) -0.29% | Return on Equity (TTM) -2.3% |
Valuation
Trailing PE - | Forward PE 34.6 | Enterprise Value 3339308418 | Price to Sales(TTM) 5.74 |
Enterprise Value 3339308418 | Price to Sales(TTM) 5.74 | ||
Enterprise Value to Revenue 6 | Enterprise Value to EBITDA 108.54 | Shares Outstanding 115942000 | Shares Floating 104819754 |
Shares Outstanding 115942000 | Shares Floating 104819754 | ||
Percent Insiders 2.34 | Percent Institutions 117.58 |
Upturn AI SWOT
nCino Inc
Company Overview
History and Background
nCino was founded in 2012 in Wilmington, North Carolina. It emerged from Live Oak Bank, where its founders developed a cloud-based solution to streamline banking operations. The company went public in July 2020.
Core Business Areas
- Bank Operating System: nCino's flagship product, a cloud-based platform that streamlines banking processes, from loan origination to account opening and customer relationship management.
Leadership and Structure
Pierre Naudu00e9 is the CEO. The company has a typical corporate structure with departments for sales, marketing, engineering, and customer success.
Top Products and Market Share
Key Offerings
- Bank Operating System: nCino's core product, the Bank Operating System, offers features like loan origination, customer relationship management, workflow automation, and reporting. Competitors include Salesforce Financial Services Cloud, FIS, and Temenos. Market share is approximately 25% (estimated based on industry reports and revenue comparisons).
Market Dynamics
Industry Overview
The banking software industry is undergoing digital transformation, with increased demand for cloud-based solutions to improve efficiency, customer experience, and regulatory compliance.
Positioning
nCino is positioned as a leading provider of cloud-based banking solutions, specializing in serving financial institutions of all sizes. Its competitive advantage lies in its comprehensive platform, industry expertise, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking software is estimated to be $100 billion. nCino is targeting a significant portion of this market, focusing on digital transformation initiatives within the banking sector.
Upturn SWOT Analysis
Strengths
- Cloud-based platform
- Industry expertise
- Strong customer relationships
- Comprehensive product suite
- Scalable architecture
Weaknesses
- Relatively high price point
- Dependence on Salesforce platform
- Limited international presence compared to competitors
Opportunities
- Expanding into new markets
- Developing new products and features
- Acquiring complementary technologies
- Partnerships with other fintech companies
- Increasing adoption of cloud-based solutions in banking
Threats
- Competition from established players
- Economic downturn
- Regulatory changes
- Cybersecurity threats
- Rapid technological advancements
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Salesforce (CRM)
- Temenos (TEMN.SW)
Competitive Landscape
nCino's competitive advantage lies in its industry-specific focus and comprehensive platform. However, it faces competition from larger, more established players with broader product portfolios.
Major Acquisitions
SimpleNexus
- Year: 2021
- Acquisition Price (USD millions): 1200
- Strategic Rationale: Expanded nCino's capabilities in mortgage lending and deepened its integration with the broader banking ecosystem.
Growth Trajectory and Initiatives
Historical Growth: nCino has experienced strong revenue growth since its founding, driven by increased adoption of its cloud-based banking platform.
Future Projections: Analysts project continued revenue growth for nCino, driven by the ongoing digital transformation in the banking industry. Profitability is expected to improve over time.
Recent Initiatives: nCino has recently focused on expanding its product offerings, strengthening its partnerships, and entering new markets.
Summary
nCino is a high-growth company capitalizing on the digital transformation in the banking sector. Its cloud-based platform is gaining traction, but profitability remains a challenge. Competition is intense, and future success depends on continued innovation and market expansion. Investors should watch for the company to achieve profitability in the future.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Industry Reports
- Analyst Estimates
- Press Releases
Disclaimers:
The information provided is for informational purposes only and does not constitute investment advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About nCino Inc
Exchange NASDAQ | Headquaters Wilmington, NC, United States | ||
IPO Launch date 2020-07-14 | CEO, President & Director Mr. Sean Desmond | ||
Sector Technology | Industry Software - Application | Full time employees 1833 | Website https://www.ncino.com |
Full time employees 1833 | Website https://www.ncino.com | ||
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.
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