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Earnings transcript
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NCNO
nCino, Inc.
$17.1
0.53
(3.2%)
[ms_data_label text=’Delayed data’]
| Exchange: | NASDAQ |
| Market Cap: | 1.98B |
| Shares Outstanding: | 89.643M |
About The Company
| Sector: | Technology | |||||
| Industry: | Software – Application | |||||
| CEO: | Sean Desmond | |||||
| Full Time Employees: | 1833 | |||||
| Address: |
| |||||
| Website: | https://www.ncino.com |
nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company’s nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, 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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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Revenue | 476,543 | 540,657 | 594,781 |
| Gross Profit | 285,073 | 324,788 | 360,169 |
| EBITDA | 7,463 | 9,548 | 3,727 |
| Operating Income | -39,512 | -18,131 | 3,727 |
| Net Income | -42,346 | -37,878 | 5,180 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Total Assets | 1,340,430 | 1,610,381 | 1,648,106 |
| Total Liabilities | 287,826 | 512,783 | 579,454 |
| Total Stockholders Equity | 1,049,176 | 1,089,312 | 1,055,915 |
| Total Debt | 74,226 | 236,824 | 13,977 |
| Cash and Cash Equivalents | 112,085 | 120,928 | 88,374 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Operating Cash Flow | 57,285 | 55,199 | 90,065 |
| Capital Expenditure | -3,871 | -1,816 | -7,501 |
| Free Cash Flow | 53,414 | 53,383 | 82,564 |
| Net Income | -42,346 | -37,878 | 5,180 |
| Net Change in Cash | 30,026 | 3,823 | -32,582 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 764,268.672 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 764,268.676 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 764,268.674 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 193,319.003 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 193,319.004 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 193,319.004 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 186,208.812 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 190,058.861 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 188,133.837 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 350,917.583 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 350,917.585 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 350,917.584 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.640 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.660 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.630 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: NCNO has demonstrated consistent revenue growth as per the latest income statements, reflecting robust demand for its offerings. This growth aligns with positive industry trends in the technology and financial software sector, indicating a competitive position within the market.
- Healthy Cash Flow Metrics: The cash flow statements highlight strong net cash provided by operating activities and positive free cash flow, suggesting operational efficiency and the ability to fund innovation or reduce debt without external financing.
- Solid Balance Sheet: NCNO maintains a favorable current ratio and quick ratio (as per key metrics TTM), indicating good liquidity to cover short-term liabilities. This financial stability supports resilience against market fluctuations.
- Positive Earnings Call Insights: The latest earnings call transcript reveals that NCNO exceeded revenue expectations for the recent quarter, with management emphasizing successful product adoption and customer retention, reinforcing investor confidence in execution capabilities.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates NCNO intrinsic value between $6.69 – $6.98 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about NCNO valuation
Is nCino, Inc. (NCNO) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for nCino, Inc. (NCNO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is NCNO a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NCNO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is NCNO’s P/E ratio?
You can see NCNO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for NCNO?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is NCNO a good long-term investment?
Whether NCNO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
NCNO
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
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3.2
Trading Metrics:
| Open: | [ms_cell_or_dash table='trading_quote' column='open'] | Previous Close: | [ms_cell_or_dash table='trading_quote' column='previousClose'] | |
| Day Low: | [ms_cell_or_dash table='trading_quote' column='dayLow'] | Day High: | [ms_cell_or_dash table='trading_quote' column='dayHigh'] | |
| Year Low: | 13.8 | Year High: | 33.92 | |
| Price Avg 50: | 17.21 | Price Avg 200: | 24.59 | |
| Volume: | 4.543M | Average Volume: | 2.934M |
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Login — it's freeNCNO full analysis
Welcome to MARKETSNAP’s SWOT analysis for nCino, a company that’s carving out a significant space in the financial technology landscape. If you’re a long-term investor looking to understand the potential of this stock, you’ve come to the right place. Today, we’re diving deep into nCino’s strengths, weaknesses, opportunities, and threats, while also unpacking some recent developments and financial insights to help you make an informed decision. Let’s get started! First off, for those who might not be as familiar, nCino…
