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Upturn AI SWOT - About
NCNO 
nCino Inc (NCNO)
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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
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
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
| 1 | Strong Buy |
| 5 | Buy |
| 10 | Hold |
| 0 | Under performing |
| 0 | Sell |
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 Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| 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 - |
Upturn AI SWOT
nCino Inc
Company Overview
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.
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 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
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
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
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.
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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