NCNO Share Price | nCino, Inc. Stock Analysis & Recommendation

Q: How big is nCino, Inc.?

Market Cap: As of Jun 18, nCino, Inc. has a market capitalization of 3,139.70 million, classifying it as a Small Cap company.Recent Quarterly Performance: For the latest four quarters, nCino, Inc. reported net sales of 556.71 million and a net profit of -24.73 million.Balance Sheet Snapshot: As of Jan 25, the company reported shareholder's funds of 1,089.31 million and total assets of 1,610.38 million.

Q: What does nCino, Inc. do?

Overview: nCino, Inc. is a global provider of cloud-based software for financial institutions, operating within the Software Products industry and classified as a small-cap company.Financial Snapshot: Most recent Net Sales: 144 Million (Quarterly Results - Apr 2025) Most recent Net Profit: 6 Million (Quarterly Results - Apr 2025) Market-cap: USD 3,139.70 Million (Small Cap)Key Metrics: P/E: NA (Loss Making) Industry P/E: NA Dividend Yield: 0.00% Debt Equity: 0.08 Return on Equity: -1.54% Price to Book: 2.93Contact Details: Address: 6770 Parker Farm Drive, Suite 200, WILMINGTON NC: 28405 Fax: 1 302 5313150 Website: https://www.ncino.com/

Q: Should I buy, sell or hold nCino, Inc.?

Based on the current financial situation of nCino, Inc., it would be advisable to consider selling your shares. The company has reported a significant net loss of $9.33 million, which reflects a troubling growth rate of -354.19%. Additionally, the debt-to-equity ratio is alarmingly high at 13.53%, indicating that the company is heavily leveraged. The interest expenses are also at their peak, amounting to $4.45 million.Moreover, the stock appears to be trading at risky levels compared to its historical valuations. While it has generated a return of 0% over the past year, profits have only increased by 32.8%, which may not be sufficient to justify holding onto the stock given the current financial challenges. Therefore, selling might be the most prudent option at this time.

Q: Who are in the management team of nCino, Inc.?

As of March 2022, the management team of nCino, Inc. includes Mr. Pierre Naude, who serves as the President, Chief Executive Officer, and Director. Additionally, the board features several independent directors: Mr. Steven Collins, Mr. Jonathan Doyle, Mr. Jeffrey Horing, Ms. Pam Kilday, and Mr. Spencer Lake.

Q: Is nCino, Inc. technically bullish or bearish?

As of 3 October 2025, the technical trend for nCino, Inc. has changed from sideways to mildly bearish. The current stance is bearish, with key indicators such as the MACD and Bollinger Bands both showing bearish signals on weekly and monthly time frames. The daily moving averages also indicate a bearish trend. The KST and Dow Theory are mildly bearish on both weekly and monthly bases. In terms of performance, nCino has underperformed the S&P 500 across multiple periods, with a year-to-date return of -22.42% compared to the S&P 500's 14.18%, and a 1-year return of -15.89% versus 17.82% for the index.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

2.01 M

Shareholding (Oct 2025)

FII

11.87%

Held by 119 FIIs

DII

35.47%

Held by 63 DIIs

Promoter

6.96%

How big is nCino, Inc.?

22-Jun-2025

As of Jun 18, nCino, Inc. has a market capitalization of $3.14 billion, with net sales of $556.71 million and a net profit of -$24.73 million over the last four quarters.

View full answer

What does nCino, Inc. do?

22-Jun-2025

nCino, Inc. is a small-cap provider of cloud-based software for financial institutions, with recent net sales of $144 million and a market cap of approximately $3.14 billion. The company reported a net profit of $6 million, but has a negative return on equity and does not pay dividends.

View full answer

Should I buy, sell or hold nCino, Inc.?

22-Jun-2025

Who are in the management team of nCino, Inc.?

22-Jun-2025

As of March 2022, the management team of nCino, Inc. is led by Mr. Pierre Naude as President and CEO, alongside independent directors Mr. Steven Collins, Mr. Jonathan Doyle, Mr. Jeffrey Horing, Ms. Pam Kilday, and Mr. Spencer Lake.

View full answer

Is nCino, Inc. technically bullish or bearish?

07-Oct-2025

As of October 3, 2025, nCino, Inc. is in a mildly bearish trend, underperforming the S&P 500 with year-to-date and one-year returns of -22.42% and -15.89%, respectively, while key indicators like MACD and Bollinger Bands confirm the bearish outlook.

View full answer

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

NET SALES(Q) Highest at USD 148.81 MM
RAW MATERIAL COST(Y) Fallen by 0.76% (YoY)
DEBTORS TURNOVER RATIO(HY) Highest at 6.47 times

Risky -

Rising Promoter Confidence

Below par performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Software Products

Market cap

USD 2,631 Million (Small Cap)

P/E

NA (Loss Making)

Industry P/E

Dividend Yield

0.00%

Debt Equity

0.12

Return on Equity

0.14%

Price to Book

2.53

Revenue and Profits:

Net Sales:

152 Million

(Quarterly Results - Oct 2025)

Net Profit:

9 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-38.03%

6 Months

-50.08%

1 Year

-40.52%

2 Years

-25.13%

3 Years

-45.73%

4 Years

-71.0%

5 Years

0.0%

nCino, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

27.54%

EBIT Growth (5y)

15.52%

EBIT to Interest (avg)

-23.08

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

0.08

Sales to Capital Employed (avg)

0.44

Tax Ratio

25.37%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

2.95

EV to EBIT

-460.87

EV to EBITDA

102.48

EV to Capital Employed

2.82

EV to Sales

5.84

PEG Ratio

Dividend Yield

ROCE (Latest)

-0.61%

ROE (Latest)

-1.54%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

Bullish

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Bearish

OBV

Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Oct 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 82 Schemes (45.68%)

Foreign Institutions

Held by 119 Foreign Institutions (11.87%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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          "val2": "138.80",
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          "val1": "4.30",
          "val2": "1.70",
          "chgp": "152.94%",
          "chgp_class": "negative"
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          "field": "Exceptional Items",
          "val1": "-0.80",
          "val2": "-3.50",
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          "field": "Consolidate Net Profit",
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          "val2": "-4.20",
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          "field": "Operating Profit Margin (Excl OI)",
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        "Jan'24",
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          "val2": "11.80",
          "chgp": "161.02%",
          "chgp_class": "positive"
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        {
          "field": "Interest",
          "val1": "8.80",
          "val2": "4.10",
          "chgp": "114.63%",
          "chgp_class": "negative"
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          "val1": "-12.60",
          "val2": "-6.00",
          "chgp": "-110.00%",
          "chgp_class": "negative"
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          "field": "Consolidate Net Profit",
          "val1": "-33.00",
          "val2": "-43.50",
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Quarterly Results Snapshot (Consolidated) - Oct'25 - YoY

Oct'25

Oct'24

Change(%)

Net Sales

152.20

138.80

9.65%

Operating Profit (PBDIT) excl Other Income

23.10

11.60

99.14%

Interest

4.30

1.70

152.94%

Exceptional Items

-0.80

-3.50

77.14%

Consolidate Net Profit

8.60

-4.20

304.76%

Operating Profit Margin (Excl OI)

82.50%

19.60%

6.29%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Oct 2025 is 9.65% vs 13.86% in Oct 2024

Consolidated Net Profit

YoY Growth in quarter ended Oct 2025 is 304.76% vs 75.58% in Oct 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Jan'25

Jan'25

Jan'24

Change(%)

Net Sales

540.70

476.50

13.47%

Operating Profit (PBDIT) excl Other Income

30.80

11.80

161.02%

Interest

8.80

4.10

114.63%

Exceptional Items

-12.60

-6.00

-110.00%

Consolidate Net Profit

-33.00

-43.50

24.14%

Operating Profit Margin (Excl OI)

-10.20%

-70.30%

6.01%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Jan 2025 is 13.47% vs 16.70% in Jan 2024

Consolidated Net Profit

YoY Growth in year ended Jan 2025 is 24.14% vs 57.27% in Jan 2024

All Annual Results

Company CV

About nCino, Inc.

nCino, Inc.

Software Products

Ncino Inc. is a global provider of cloud-based software for financial institutions. It enhances banks and credit unions with the technology to enhancevisibility into their operations and operate digitally. The Company’s solution, the nCino Bank Operating System, digitizes, automates and streamlines complex processes and workflow. Its nCino IQ (nIQ) application utilizes data analytics and artificial intelligence and machine learning (AI/ML) to provide its customers with automation and insights into their operations. Its platform also enables financial institutions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts and manage regulatory compliance. The Company serves financial institution customers of all sizes and complexities, including global financial institutions, enterprise banks, regional banks, community banks, credit unions and new market entrants, such as challenger banks.

Company Coordinates

Company Details

6770 Parker Farm Drive, Suite 200 , WILMINGTON NC : 28405

Tel:

https://www.ncino.com/

Registrar Details

nCino, Inc.

1Day

52 Week

CASH

FII

DII

Promoter

How big is nCino, Inc.?

Watch in Real-Time

What does nCino, Inc. do?

Should I buy, sell or hold nCino, Inc.?

Who are in the management team of nCino, Inc.?

Is nCino, Inc. technically bullish or bearish?

Compare nCino, Inc. with Similar Stocks

MarketsMojo — Loved in India, Now Global

Dashboard

Risky -

Rising Promoter Confidence

Below par performance in long term as well as near term

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

News

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Oct 2025

Shareholding Compare (%holding)

Quarterly Results Snapshot (Consolidated) - Oct'25 - YoY

Annual Results Snapshot (Consolidated) - Jan'25

About nCino, Inc.

Company Coordinates