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nCino Inc (NCNO)

Upturn stock ratingUpturn stock rating
$27.66
Last Close (24-hour delay)
Profit since last BUY2.52%
upturn advisory
Consider higher Upturn Star rating
BUY since 23 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

06/27/2025: NCNO (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

16 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Year Target Price $30.36

Year Target Price $30.36

Analyst’s Price TargetsFor last 52 week
$30.36Target price
Low$18.75
Current$27.66
high$43.2

Analysis of Past Performance

Type Stock
Historic Profit -23.61%
Avg. Invested days 31
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.21B USD
Price to earnings Ratio -
1Y Target Price 30.33
Price to earnings Ratio -
1Y Target Price 30.33
Volume (30-day avg) -
Beta 0.76
52 Weeks Range 18.75 - 43.20
Updated Date 06/29/2025
52 Weeks Range 18.75 - 43.20
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) -0.25

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 34.72
Enterprise Value 3353221407
Price to Sales(TTM) 5.76
Enterprise Value 3353221407
Price to Sales(TTM) 5.76
Enterprise Value to Revenue 6.02
Enterprise Value to EBITDA 108.99
Shares Outstanding 115942000
Shares Floating 104841563
Shares Outstanding 115942000
Shares Floating 104841563
Percent Insiders 2.36
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 -

ai summary icon Upturn AI SWOT

nCino Inc

stock logo

Company Overview

overview logo History and Background

nCino, Inc. was founded in 2012 in Wilmington, North Carolina. It emerged from Live Oak Bank, aiming to modernize banking with cloud-based solutions. It went public in 2020 and has grown rapidly by expanding its product suite and customer base.

business area logo Core Business Areas

  • nCino Bank Operating System: The core product is a cloud-based platform that digitizes and streamlines banking processes, including loan origination, account opening, and customer relationship management.
  • nCino IQ (nIQ): nIQ offers AI-powered insights and analytics to improve decision-making and efficiency for financial institutions. Leverages data to provide recommendations and automation.
  • Other Services: Consulting, training, and support services to help financial institutions implement and optimize the nCino platform. Includes ongoing platform enhancements and support packages.

leadership logo Leadership and Structure

Pierre Naudu00e9 is the CEO. The company has a typical corporate structure with departments for product development, sales, marketing, and customer support. Its board of directors oversees the company's strategy and governance.

Top Products and Market Share

overview logo Key Offerings

  • nCino Bank Operating System: A cloud-based banking platform that automates various banking processes. It has a significant market share within the cloud banking platform space, competing with larger players like Salesforce and Temenos. Market share estimated around 25%. Competitors include Salesforce Financial Services Cloud, Temenos, and Fiserv. Revenue generated is most of the company revenue as it's their flagship product.
  • nCino IQ (nIQ): AI-powered analytics and insights to help financial institutions make better decisions. Market share is growing, but it's still a relatively new product category within nCino. Competitors include traditional data analytics vendors and other AI-focused fintech companies.

Market Dynamics

industry overview logo Industry Overview

The banking software industry is undergoing significant digital transformation. Cloud adoption, AI integration, and the need for enhanced customer experience are driving growth. Regulatory compliance and cybersecurity are also key concerns.

Positioning

nCino is positioned as a leader in cloud banking solutions, focusing on community and regional banks. It differentiates itself with its comprehensive platform, deep industry expertise, and strong customer support.

Total Addressable Market (TAM)

The TAM for cloud-based banking solutions is estimated to be several billions of dollars. nCino is well-positioned to capture a significant portion of this market with its focus on specific segments of the banking industry.

Upturn SWOT Analysis

Strengths

  • Strong cloud-based platform
  • Deep banking industry expertise
  • High customer satisfaction
  • Scalable architecture
  • Focus on innovation

Weaknesses

  • Relatively high implementation costs
  • Dependence on Salesforce platform
  • Limited international presence
  • Profitability concerns
  • Sales execution

Opportunities

  • Expanding into new banking segments
  • Growing international presence
  • Integrating AI and machine learning capabilities
  • Partnering with other technology providers
  • Increase focus on customer success

Threats

  • Competition from larger players
  • Economic downturn impacting bank IT spending
  • Rapid technological changes
  • Data security and privacy concerns
  • Dependence on Salesforce platform

Competitors and Market Share

competitor logo Key Competitors

  • FIS (FIS)
  • Temenos (TEMN.SW)
  • Jack Henry & Associates (JKHY)

Competitive Landscape

nCino differentiates itself with its modern platform, focus on community banking, and integration with Salesforce. It faces competition from established players and emerging fintech companies.

Major Acquisitions

SimpleNexus

  • Year: 2021
  • Acquisition Price (USD millions): 1200
  • Strategic Rationale: Expanded nCino's digital mortgage capabilities and broadened its customer base.

Growth Trajectory and Initiatives

Historical Growth: nCino has experienced rapid revenue growth in recent years due to the increasing demand for cloud-based banking solutions.

Future Projections: Analysts expect nCino to continue growing at a healthy pace over the next few years, driven by its strong product portfolio and expanding customer base.

Recent Initiatives: Recent initiatives include the launch of new products, partnerships with other technology providers, and expansion into new geographies.

Summary

nCino is a leading provider of cloud banking solutions with strong revenue growth and a large addressable market. The company is not yet profitable, facing competitive pressure and macroeconomic uncertainty. The acquisition of SimpleNexus enhanced capabilities in the mortgage market, but further improvements in efficiency and margin expansion are critical for long-term success.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings (10-K, 10-Q)
  • Analyst reports
  • Press releases
  • Industry publications

Disclaimers:

This analysis is based on publicly available information and analyst estimates. It is not financial advice. Market conditions and company performance can change rapidly.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1833

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.