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Upturn AI SWOT - About
NCNO 
nCino Inc (NCNO)
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Upturn Advisory Summary
10/24/2025: 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 $35.61
1 Year Target Price $35.61
| 1 | Strong Buy |
| 5 | Buy |
| 10 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -32.77% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.02B USD | Price to earnings Ratio - | 1Y Target Price 35.61 |
Price to earnings Ratio - | 1Y Target Price 35.61 | ||
Volume (30-day avg) 16 | Beta 0.65 | 52 Weeks Range 18.75 - 43.20 | Updated Date 10/26/2025 |
52 Weeks Range 18.75 - 43.20 | Updated Date 10/26/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.29 |
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 -5.86% | Operating Margin (TTM) 1.45% |
Management Effectiveness
Return on Assets (TTM) 0.05% | Return on Equity (TTM) -2.56% |
Valuation
Trailing PE - | Forward PE 24.81 | Enterprise Value 3143834953 | Price to Sales(TTM) 5.27 |
Enterprise Value 3143834953 | Price to Sales(TTM) 5.27 | ||
Enterprise Value to Revenue 5.49 | Enterprise Value to EBITDA 98.53 | Shares Outstanding 115814720 | Shares Floating 105793272 |
Shares Outstanding 115814720 | Shares Floating 105793272 | ||
Percent Insiders 2.34 | Percent Institutions 124.95 |
Upturn AI SWOT
nCino Inc
Company Overview
History and Background
nCino, Inc. was founded in 2012. It evolved from a project within Live Oak Bank to address the specific technology needs of financial institutions. It went public in July 2020.
Core Business Areas
- Bank Operating System: nCino's flagship product, a cloud-based platform for streamlining banking processes from loan origination to account opening.
Leadership and Structure
Pierre Naudu00e9 is the CEO. The organizational structure is built around product development, sales, marketing, and customer success teams.
Top Products and Market Share
Key Offerings
- Bank Operating System: nCino's cloud-based platform helps financial institutions with loan origination, account opening, and customer relationship management. Market share is estimated to be around 25% in the cloud banking platform space. Competitors include Finastra, FIS, and Temenos.
Market Dynamics
Industry Overview
The financial technology (fintech) industry is experiencing rapid growth, driven by the need for digital transformation in banking. Cloud-based solutions are increasingly adopted for their scalability and efficiency.
Positioning
nCino is positioned as a leader in cloud banking software, focusing on providing a comprehensive platform for financial institutions. Its competitive advantage lies in its tailored solutions for the banking sector and its strong integration with Salesforce.
Total Addressable Market (TAM)
The estimated TAM for cloud-based banking platforms is several billion USD. nCino is well-positioned to capture a significant share of this market with its specialized offerings.
Upturn SWOT Analysis
Strengths
- Strong industry focus
- Cloud-native platform
- Partnership with Salesforce
- Scalable architecture
- Strong customer relationships
Weaknesses
- Relatively high cost of platform
- Dependence on Salesforce ecosystem
- Limited presence in non-banking sectors
- Profitability concerns
Opportunities
- Expanding into new geographies
- Developing new product modules
- Acquiring complementary technologies
- Increasing adoption of cloud banking
- Cross-selling to existing customers
Threats
- Increased competition from larger vendors
- Economic downturn impacting bank spending
- Cybersecurity risks
- Regulatory changes
- Slower adoption of cloud technologies than expected
Competitors and Market Share
Key Competitors
- FIS
- Temenos
- Finastra
- Black Knight
Competitive Landscape
nCino differentiates itself through its industry-specific focus and strong partnership with Salesforce. Competitors offer broader solutions but may lack the same level of banking expertise.
Major Acquisitions
SimpleNexus
- Year: 2021
- Acquisition Price (USD millions): 1200
- Strategic Rationale: Expanded nCino's capabilities in mortgage technology, providing a more complete solution for financial institutions.
Growth Trajectory and Initiatives
Historical Growth: nCino has experienced significant revenue growth in recent years, driven by increased adoption of its platform and expansion into new markets.
Future Projections: Analysts project continued revenue growth for nCino, although profitability remains a key area of focus.
Recent Initiatives: Recent initiatives include expanding its product suite, strengthening its partnership with Salesforce, and targeting new customer segments.
Summary
nCino is a leading provider of cloud banking solutions, experiencing strong revenue growth and operating within a growing market. Its partnership with Salesforce and industry-specific focus provide competitive advantages. However, profitability remains a concern, and increased competition could pose a challenge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Earnings call transcripts
- Industry reports
- Analyst estimates
- Press releases
Disclaimers:
This analysis is based on available information and represents a snapshot in time. Actual results may vary. This is not financial advice.
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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