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Upturn AI SWOT - About
NCNO 
nCino Inc (NCNO)
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Upturn Advisory Summary
06/18/2025: NCNO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -25.99% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/18/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.11B USD | Price to earnings Ratio - | 1Y Target Price 30.33 |
Price to earnings Ratio - | 1Y Target Price 30.33 | ||
Volume (30-day avg) 1942062 | Beta 0.76 | 52 Weeks Range 18.75 - 43.20 | Updated Date 06/19/2025 |
52 Weeks Range 18.75 - 43.20 | Updated Date 06/19/2025 | ||
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 2025-05-29 | When - | Estimate 0.1572 | Actual 0.16 |
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 34.01 | Enterprise Value 3229995264 | Price to Sales(TTM) 5.64 |
Enterprise Value 3229995264 | Price to Sales(TTM) 5.64 | ||
Enterprise Value to Revenue 5.9 | Enterprise Value to EBITDA 106.77 | Shares Outstanding 115942000 | Shares Floating 104863371 |
Shares Outstanding 115942000 | Shares Floating 104863371 | ||
Percent Insiders 2.32 | Percent Institutions 116.33 |
Analyst Ratings
Rating 3.44 | Target Price 30.36 | Buy 5 | Strong Buy 1 |
Buy 5 | Strong Buy 1 | ||
Hold 10 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
nCino Inc
Company Overview
History and Background
nCino, Inc. was founded in 2012 and went public in 2020. It was created from a partnership with Live Oak Bank in Wilmington, NC. It provides cloud banking and digital lending solutions built on the Salesforce platform.
Core Business Areas
- nCino Bank Operating System: Provides a single platform for loan origination, account opening, and customer relationship management, serving financial institutions of all sizes.
Leadership and Structure
The CEO is Pierre Naude. The company has a standard corporate structure with departments such as sales, marketing, engineering, and finance.
Top Products and Market Share
Key Offerings
- nCino Bank Operating System: A cloud-based platform for financial institutions that combines customer relationship management (CRM), loan origination, workflow, document management, and reporting. No exact recent market share information, but they are a leading vendor in this space. Competitors include Finastra, FIS (FISV), and Temenos.
Market Dynamics
Industry Overview
The financial services industry is undergoing digital transformation, with increasing adoption of cloud-based solutions for improved efficiency and customer experience.
Positioning
nCino is positioned as a leading provider of cloud banking and digital lending solutions, particularly for financial institutions seeking to modernize their operations. Their competitive advantage lies in their partnership with Salesforce and deep industry expertise.
Total Addressable Market (TAM)
The TAM for cloud banking platforms is estimated to be substantial, exceeding $50 billion, as banks worldwide shift towards digital solutions. nCino is well-positioned to capture a significant portion of this TAM, although they are still relatively small compared to the entire banking technology industry.
Upturn SWOT Analysis
Strengths
- Strong industry expertise
- Partnership with Salesforce
- Cloud-native platform
- Scalable solution
Weaknesses
- Reliance on Salesforce platform
- Relatively smaller market share compared to legacy providers
- High valuation relative to earnings
Opportunities
- Growing demand for digital banking solutions
- Expansion into new markets
- Acquisition of smaller technology companies
- Further integration with the Salesforce ecosystem
Threats
- Competition from larger, established players
- Economic downturn impacting bank IT spending
- Cybersecurity risks
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- FISV
- FNSR
- TEMN
Competitive Landscape
nCino's advantages include its cloud-native platform and deep industry expertise. Disadvantages compared to legacy providers are smaller size and dependence on Salesforce.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: nCino has experienced rapid revenue growth in recent years, driven by increased adoption of its cloud banking platform.
Future Projections: Analysts project continued revenue growth for nCino, although potentially at a slowing pace. Profitability is expected to improve in the coming years.
Recent Initiatives: nCino has been focused on expanding its product offerings and geographic reach. Also, focusing on reducing costs and becoming more profitable
Summary
nCino is a relatively strong company in the digital banking platform sector, with consistent revenue growth and a strong industry standing. Its reliance on the Salesforce platform and the necessity to achieve profitability remain key challenges. While expansion and innovation are strong, it is critical to maintain a competitive position against larger and well-established competitors. Investors need to consider the risk of continued losses for the short term before profitability is achieved.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Industry Research
- Company Investor Relations
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, and past performance is not indicative of future results. Consult with a qualified financial advisor before making any investment decisions.
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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