nCino, Inc.
NCNO
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- nCino operates in a growing sector of financial technology, providing cloud-based banking solutions that enhance operational efficiency for financial institutions.
- In Q3 2026, nCino reported a revenue increase of 1% compared to the previous quarter, reaching $161 million.
- The company's gross margin stood at 62.6% in Q3 2026, demonstrating strong profitability despite recent operational challenges.
- The company's financial performance has shown volatility, with a significant decline in operating margin and net income over the past year.
- nCino's operating margin compressed to 8.5% in Q3 2026, down from 13.2% in Q2 2026.
- The overall score for nCino is a 'Strong Sell' with a score of -24.00, indicating bearish market sentiment.
Fundamentals
| Market cap | $2.08B | Enterprise value | $2.35B | Trailing P/E | 61.50 | Forward P/E | 12.44 |
| PEG | — | Price / book | 2.22 | Beta | 0.81 | Dividend yield | 0.00% |
| Revenue growth | 8.2% | Earnings growth | — | Gross margin | 62.2% | Operating margin | 8.5% |
| Profit margin | 5.4% | ROE | 3.9% | ROA | 2.0% | Debt / equity | 0.36 |
| Current ratio | 0.85 | Free cash flow | $151.54M | Analyst recommendation | buy | Mean target | $24.27 |
| 52w high | $27.50 | 52w low | $13.80 |
Quarterly
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | |
|---|---|---|---|---|---|
| Revenue | $161M | $159M | $150M | $152M | $149M |
| Op margin | 8.5% | 13.2% | 1.9% | 7.7% | -6.2% |
| Net income | $5.1M | $13.6M | $8.3M | $6.5M | -$15.3M |
| Gross margin | 62.6% | 63.3% | 61.4% | 61.6% | 59.2% |
| Gross profit | $101M | $101M | $91.9M | $93.7M | $88.1M |
| Operating income | $13.6M | $21.1M | $2.8M | $11.7M | -$9.3M |
- Revenue +1% vs prior quarter ($161M vs $159M).
- Gross margin 62.6% (was 63.3% prior quarter).
- Operating margin compressed to 8.5%.
Yearly (6y)
| 2026 | 2025 | 2024 | 2023 | |
|---|---|---|---|---|
| Revenue | $595M | $541M | $477M | $408M |
| Op margin | 0.6% | -3.4% | -8.3% | -23.0% |
| Net income | $5.2M | -$37.9M | -$42.3M | -$103M |
| Gross margin | 60.6% | 60.1% | 59.8% | 58.5% |
| Gross profit | $360M | $325M | $285M | $239M |
| Operating income | $3.7M | -$18.1M | -$39.5M | -$94.0M |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-08 · nCino, Parlay Collaborate to Streamline AI-Powered SBA Lending
2026-10-08 · nCino Partners with Parlay to Power AI-Native SBA Lending Nationwide
2026-10-01 · Guidewire Software, HubSpot, Asana, nCino, and Atlassian Shares Skyrocket, What You Need To Know
2026-09-28 · DigitalOcean, UiPath, nCino, BlackLine, and Pegasystems Stocks Trade Down, What You Need To Know
2026-09-28 · 3 Software Stocks We’re Skeptical Of
2026-09-23 · nCino (NCNO) Screens As Undervalued, Is It A Bargain Or Fully Priced?
2026-09-17 · Vertical Software Stocks Q2 In Review: nCino (NASDAQ:NCNO) Vs Peers
2026-09-11 · 2 Cash-Producing Stocks to Target This Week and 1 We Turn Down
2026-09-09 · 3 Small-Cap Stocks with Warning Signs
2026-09-08 · nCino's 2026 Outlook: AI-Driven Agentic Workflows Drive Sustainable Profitability
2026-09-04 · nCino (NCNO)'s Technical Outlook is Bright After Key Golden Cross
2026-09-03 · 3 Profitable Stocks We Steer Clear Of
Price (daily)
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