NCNO
Bearish signalScored 2026-10-14 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
nCino, Inc.
- Nom
- nCino, Inc.
- Secteur
- Technology
- Industrie
- Software - Application
- Bourse
- NASDAQ
- Capitalisation
- $2.5B
- Employés
- 1,684
- PDG
- Sean Desmond
- Site web
- https://www.ncino.com
- Marché
- ALKTNATLNTWKQTWO
nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 60 120 titres (~1 216 951,20 $ US)
- Insiders
- Desmond Sean
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$2,662,708
Avg sell (VWAP, 90d window) $19.85 vs last close $21.60 (+8.8%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$2,045,819 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-10-09
- Liquidity
- Liquid $40,844,143/day · 20d vol
- Last synced
-
2026-10-20 21:10:52
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-09 | Desmond Sean | Sell · S · 10b5-1 | 43,992 | $19.90 | $875,441 | Form 4 |
| 2026-10-05 | Desmond Sean | Sell · S · 10b5-1 | 8,064 | $18.69 | $150,716 | Form 4 |
| 2026-09-15 | Rieger April | Sell · S | 6,098 | $21.98 | $134,052 | Form 4 |
| 2026-09-03 | Desmond Sean | Sell · S · 10b5-1 | 8,064 | $23.66 | $190,794 | Form 4 |
| 2026-08-27 | Sellers Jeanette | Sell · S | 690 | $22.70 | $15,666 | Form 4 |
| 2026-08-05 | Desmond Sean | Sell · S · 10b5-1 | 11,815 | $19.53 | $230,747 | Form 4 |
| 2026-08-05 | Sellers Jeanette | Sell · S · 10b5-1 | 1,536 | $19.53 | $29,998 | Form 4 |
| 2026-08-04 | Desmond Sean | Sell · S · 10b5-1 | 28,675 | $19.22 | $551,076 | Form 4 |
| 2026-08-04 | Naude Pierre | Sell · S | 4,677 | $19.22 | $89,883 | Form 4 |
| 2026-08-04 | Orenstein Gregory | Sell · S | 11,780 | $19.22 | $226,388 | Form 4 |
| 2026-08-04 | Rieger April | Sell · S | 7,852 | $19.22 | $150,900 | Form 4 |
| 2026-08-04 | Sellers Jeanette | Sell · S · 10b5-1 | 887 | $19.22 | $17,046 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-10-14 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
NCNO shows a genuine operational turnaround with positive free cash flow and improving EBITDA margins, but the extremely high valuation, critically low interest coverage (0.21x), and a current ratio below 1.0 leave the…
The first sentence of the analysis written for NCNO on 2026-10-14 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Pulls against a bullish reading. Current ratio 1.00 · operating margin 0.6%
Suggested stop 20.34, nearest stored support minus 0.5 ATR(5.8% under the last close). Reward/risk to the next stored resistance is 1.98. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2026-01-31 | 2025-01-31 | 2024-01-31 | 2023-01-31 | 2022-01-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 60.6% | 60.1% | 59.8% | 58.5% | 59.3% | |
| Ebit Margin | 4.1% | -5.0% | -7.9% | -23.3% | -26.5% | |
| Ebitda Margin | 11.2% | 1.8% | 1.6% | -13.8% | -21.9% | |
| Operating Profit Margin | 0.6% | -3.4% | -8.3% | -23.0% | -26.1% | |
| Pretax Profit Margin | 1.1% | -6.6% | -8.8% | -23.9% | -27.0% | |
| Continuous Operations Profit Margin | 0.9% | -6.1% | -9.1% | -24.9% | -18.3% | |
| Net Profit Margin | 0.9% | -7.0% | -8.9% | -25.2% | -18.1% | |
| Bottom Line Profit Margin | 0.9% | -7.0% | -8.9% | -25.2% | -18.1% | |
| Current Ratio | 0.997 | 1.202 | 1.166 | 1.010 | 1.052 | |
| Quick Ratio | 0.997 | 1.202 | 1.166 | 1.010 | 1.052 | |
| Solvency Ratio | 0.082 | -0.003 | 0.010 | -0.214 | -0.160 | |
| Cash Ratio | 0.300 | 0.481 | 0.521 | 0.400 | 0.505 | |
| Price To Earnings Ratio | 427.000 | -103.061 | -82.842 | -30.753 | -89.863 | |
| Price To Earnings Growth Ratio | -3.708 | 7.833 | 1.401 | -0.373 | -8.267 | |
| Forward Price To Earnings Growth Ratio | -3.708 | 7.833 | 1.401 | -0.373 | -8.267 | |
| Price To Earnings Diluted Ratio | 427.000 | -103.061 | -82.842 | -30.753 | -89.863 | |
| Price To Earnings Diluted Growth Ratio | -3.708 | 7.833 | 1.401 | -0.373 | -8.267 | |
| Price To Book Ratio | 2.282 | 3.596 | 3.381 | 3.089 | 4.152 | |
| Price To Sales Ratio | 4.052 | 7.244 | 7.443 | 7.748 | 16.186 | |
| Price To Free Cash Flow Ratio | 29.190 | 73.993 | 66.404 | -92.282 | -179.523 | |
| Price To Operating Cash Flow Ratio | 26.759 | 70.955 | 61.917 | -205.683 | -230.526 | |
| Debt To Assets Ratio | 0.169 | 0.147 | 0.055 | 0.073 | 0.038 | |
| Debt To Equity Ratio | 0.264 | 0.217 | 0.071 | 0.094 | 0.046 | |
| Debt To Capital Ratio | 0.209 | 0.179 | 0.066 | 0.086 | 0.044 | |
| Long Term Debt To Capital Ratio | 0.168 | 0.132 | 0.000 | 0.028 | 0.000 | |
| Financial Leverage Ratio | 1.561 | 1.478 | 1.278 | 1.296 | 1.219 | |
| Working Capital Turnover Ratio | 23.912 | 12.504 | 25.231 | 73.122 | 1.632 | |
| Operating Cash Flow Ratio | 0.306 | 0.219 | 0.266 | -0.075 | -0.110 | |
| Operating Cash Flow Sales Ratio | 0.151 | 0.102 | 0.120 | -0.038 | -0.070 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.917 | 0.959 | 0.932 | 2.229 | 1.284 | |
| Debt Service Coverage Ratio | 3.717 | 1.376 | 1.420 | -21.569 | -23.822 | |
| Interest Coverage Ratio | 0.213 | -2.069 | -9.556 | -33.492 | -47.131 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.323 | 0.233 | 0.772 | -0.159 | -0.394 | |
| Capital Expenditure Coverage Ratio | 12.007 | 24.360 | 14.799 | -0.814 | -3.520 | |
| Dividend Paid And Capex Coverage Ratio | 12.007 | 24.360 | 14.799 | -0.814 | -3.520 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 39.151 | 422.346 | 470.195 | -56.276 | -73.349 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 60.6% | ▲0.5% | ▲0.9% |
| Ebit Margin | 4.1% | ▲9.0% | ▲15.8% |
| Ebitda Margin | 11.2% | ▲9.4% | ▲15.4% |
| Operating Profit Margin | 0.6% | ▲4.0% | ▲12.7% |
| Pretax Profit Margin | 1.1% | ▲7.7% | ▲14.2% |
| Continuous Operations Profit Margin | 0.9% | ▲7.0% | ▲12.4% |
| Net Profit Margin | 0.9% | ▲7.9% | ▲12.5% |
| Bottom Line Profit Margin | 0.9% | ▲7.9% | ▲12.5% |
| Current Ratio | 0.997 | ▼-0.205 | ▼-0.089 |
| Quick Ratio | 0.997 | ▼-0.205 | ▼-0.089 |
| Solvency Ratio | 0.082 | ▲0.085 | ▲0.139 |
| Cash Ratio | 0.300 | ▼-0.181 | ▼-0.141 |
| Price To Earnings Ratio | 427.000 | ▲530.061 | ▲402.904 |
| Price To Earnings Growth Ratio | -3.708 | ▼-11.541 | ▼-3.085 |
| Forward Price To Earnings Growth Ratio | -3.708 | ▼-11.541 | ▼-3.085 |
| Price To Earnings Diluted Ratio | 427.000 | ▲530.061 | ▲402.904 |
| Price To Earnings Diluted Growth Ratio | -3.708 | ▼-11.541 | ▼-3.085 |
| Price To Book Ratio | 2.282 | ▼-1.313 | ▼-1.018 |
| Price To Sales Ratio | 4.052 | ▼-3.192 | ▼-4.483 |
| Price To Free Cash Flow Ratio | 29.190 | ▼-44.803 | ▲49.634 |
| Price To Operating Cash Flow Ratio | 26.759 | ▼-44.196 | ▲82.075 |
| Debt To Assets Ratio | 0.169 | ▲0.022 | ▲0.073 |
| Debt To Equity Ratio | 0.264 | ▲0.046 | ▲0.126 |
| Debt To Capital Ratio | 0.209 | ▲0.030 | ▲0.092 |
| Long Term Debt To Capital Ratio | 0.168 | ▲0.036 | ▲0.102 |
| Financial Leverage Ratio | 1.561 | ▲0.083 | ▲0.195 |
| Working Capital Turnover Ratio | 23.912 | ▲11.408 | ▼-3.369 |
| Operating Cash Flow Ratio | 0.306 | ▲0.086 | ▲0.184 |
| Operating Cash Flow Sales Ratio | 0.151 | ▲0.049 | ▲0.098 |
| Free Cash Flow Operating Cash Flow Ratio | 0.917 | ▼-0.042 | ▼-0.347 |
| Debt Service Coverage Ratio | 3.717 | ▲2.341 | ▲11.493 |
| Interest Coverage Ratio | 0.213 | ▲2.283 | ▲18.620 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.323 | ▲0.090 | ▲0.168 |
| Capital Expenditure Coverage Ratio | 12.007 | ▼-12.353 | ▲2.641 |
| Dividend Paid And Capex Coverage Ratio | 12.007 | ▼-12.353 | ▲2.641 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 39.151 | ▼-383.194 | ▼-121.262 |
Key metrics
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Market cap | $2.41B | $3.92B | $3.55B | $3.16B | $4.43B | |
| Enterprise value | $2.60B | $4.03B | $3.51B | $3.18B | $4.39B | |
| EV / Sales | 4.37x | 7.46x | 7.36x | 7.78x | 16.04x | |
| EV / Op. cash flow | 28.87x | 73.06x | 61.26x | -206.63x | -228.49x | |
| EV / Free cash flow | 31.50x | 76.18x | 65.70x | -92.70x | -177.94x | |
| EV / EBITDA | 39.15x | 422.35x | 470.19x | -56.28x | -73.35x | |
| Net debt / EBITDA | 2.87x | 12.14x | -5.07x | -0.26x | 0.65x | |
| Current ratio | 1.00x | 1.20x | 1.17x | 1.01x | 1.05x | |
| Income quality | 17.39x | -1.46x | -1.35x | 0.15x | 0.39x | |
| Graham number | $3 | — | — | — | — | |
| Graham net-net | -$3 | -$2 | -$1 | -$1 | -$1 | |
| Tax burden | 77.2% | 106.5% | 101.0% | 105.1% | 66.9% | |
| Interest burden | 27.8% | 132.7% | 110.9% | 103.0% | 102.1% | |
| Working capital | -$989K | $50.7M | $35.7M | $2.0M | $9.1M | |
| Invested capital | $1.30B | $1.32B | $1.09B | $1.09B | $1.10B | |
| Return on assets | 0.3% | -2.4% | -3.2% | -7.7% | -3.8% | |
| Operating ROA | 0.2% | -1.2% | -3.0% | -7.2% | -7.7% | |
| Return on tangible assets | 1.2% | -8.7% | -11.0% | -30.7% | -17.7% | |
| Return on equity | 0.5% | -3.5% | -4.0% | -10.0% | -4.6% | |
| Return on invested capital | 0.2% | -1.2% | -3.5% | -8.3% | -4.3% | |
| Return on capital employed | 0.3% | -1.3% | -3.5% | -8.4% | -6.3% | |
| Earnings yield | 0.2% | -1.0% | -1.2% | -3.2% | -1.1% | |
| Free cash flow yield | 3.4% | 1.4% | 1.5% | -1.1% | -0.6% | |
| Capex / Op. cash flow | 8.3% | 4.1% | 6.8% | -122.9% | -28.4% | |
| Capex / Depreciation | 17.8% | 6.2% | 8.6% | 49.1% | 43.6% | |
| Capex / Sales | 1.3% | 0.4% | 0.8% | 4.6% | 2.0% | |
| SG&A / Sales | 38.5% | 39.5% | 43.5% | 51.7% | 56.4% | |
| R&D / Sales | 21.4% | 23.9% | 24.6% | 29.8% | 29.0% | |
| Stock comp / Sales | 12.4% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Intangibles / Total assets | 73.6% | 72.9% | 71.2% | 74.8% | 78.5% | |
| Days sales outstanding | 102d | 99d | 87d | 89d | 99d | |
| Days payables outstanding | 23d | 23d | 23d | 26d | 37d | |
| Operating cycle | 102d | 99d | 87d | 89d | 99d | |
| Cash conversion cycle | 80d | 76d | 64d | 63d | 62d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-08 nCino Partners with Parlay to Power AI-Native SBA Lending Nationwide ALEXANDRIA, Va. & WILMINGTON, N.C.--(BUSINESS WIRE)--nCino partners with Parlay to power AI-native SBA lending, integrating Parlay''s Loan Intelligence System for faster small business loan intake.
- 2026-10-03 nCino: Healthy Renewals And Modest Valuation nCino offers defensive exposure in a high-yield environment, with a resilient business model focused on the banking sector. NCNO remains less than 3% penetrated into its $19.5B SAM, supporting a long-term growth runway despite recent stock underperformance. International markets are driving low-teens growth, offsetting slower domestic momentum and providing a new leg for expansion.
- 2026-09-20 Insider Selling: nCino (NASDAQ:NCNO) Insider Sells $134,034.04 in Stock nCino Inc. (NASDAQ: NCNO - Get Free Report) insider April Rieger sold 6,098 shares of the firm''s stock in a transaction that occurred on Tuesday, September 15th. The stock was sold at an average price of $21.98, for a total transaction of $134,034.04. Following the sale, the insider owned 369,651 shares of the company''s stock, valued
- 2026-09-16 27,800 Shares in nCino Inc. $NCNO Acquired by VIRGINIA RETIREMENT SYSTEMS ET Al VIRGINIA RETIREMENT SYSTEMS ET Al acquired a new position in shares of nCino Inc. (NASDAQ: NCNO) during the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The institutional investor acquired 27,800 shares of the company''s stock, valued at approximately $455,000. A number of other
- 2026-09-08 nCino''s 2026 Outlook: AI-Driven Agentic Workflows Drive Sustainable Profitability The company achieved its first year of GAAP profitability in 2026. Revenue growth has decelerated to 10% as the mortgage market faces headwinds.
- 2026-09-04 nCino (NCNO)''s Technical Outlook is Bright After Key Golden Cross After reaching an important support level, nCino Inc. (NCNO) could be a good stock pick from a technical perspective. NCNO recently experienced a "golden cross" event, which saw its 50-day simple moving average breaking out above its 200-day simple moving average.
- 2026-09-03 nCino Expands Buyback as AI Demand Supports Growth nCino reported higher revenue and profitability for its fiscal second quarter while authorizing another $100 million for share repurchases, as the banking software provider pointed to growing customer commitments to its artificial intelligence capabilities.
- 2026-09-02 nCino to Participate in Upcoming Investor Event WILMINGTON, N.C., Sept. 02, 2026 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the platform for agentic AI banking, today announced its participation in the following investor conference: Piper Sandler Growth Frontiers ConferencePresentation: Wednesday, September 16, 2026, at 11:30 a.m.
- 2026-09-01 Canada Pension Plan Investment Board Makes New Investment in nCino Inc. $NCNO Canada Pension Plan Investment Board purchased a new stake in shares of nCino Inc. (NASDAQ: NCNO) during the undefined quarter, according to the company in its most recent filing with the SEC. The fund purchased 69,500 shares of the company''s stock, valued at approximately $1,136,000. Canada Pension Plan Investment Board owned about 0.06%
- 2026-08-27 nCino: Despite A Strong Quarter, The Stock Is Too Expensive nCino delivered strong Q2 FY2027 results, with revenue and EPS surpassing analyst expectations and notable operational improvements across profitability metrics. NCNO''s revenue growth was driven mainly by existing customers expanding platform usage, though new customer acquisition contributed 34.1% of subscription growth. Management guides FY2027 revenue to $644–$647 million and free cash flow to $137–$142 million, reflecting continued momentum and improved cash generation.