NCNO - nCino Inc Stock Price, Fair Value and News

32.01USD+0.14 (+0.44%)Market Closed

Market Summary

USD32.01+0.14

Market Closed

0.44%

NCNO Alerts

5 major insider sales recently.

NCNO Stock Price

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NCNO RSI Chart

NCNO Valuation

Market Cap

3.7B

Price/Earnings (Trailing)

-86.34

Price/Sales (Trailing)

7.67

Price/Free Cashflow

67.99

NCNO Price/Sales (Trailing)

NCNO Profitability

Return on Equity

-4.04%

Return on Assets

-3.16%

Free Cashflow Yield

1.47%

NCNO Fundamentals

NCNO Revenue

Revenue (TTM)

476.5M

Rev. Growth (Yr)

13.29%

Rev. Growth (Qtr)

1.44%

NCNO Earnings

Earnings (TTM)

-42.3M

Earnings Growth (Yr)

105.47%

Earnings Growth (Qtr)

107.08%

Breaking Down NCNO Revenue

Last 7 days

2.9%

Last 30 days

7.9%

Last 90 days

6.9%

Trailing 12 Months

24.7%

How does NCNO drawdown profile look like?

NCNO Financial Health

Current Ratio

1.17

NCNO Investor Care

Shares Dilution (1Y)

1.89%

Diluted EPS (TTM)

-0.38

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	476.5M	0	0	0
2023	408.3M	427.8M	445.4M	462.0M
2022	273.9M	305.7M	338.8M	374.1M
2021	204.3M	221.7M	239.1M	256.5M
2020	138.2M	0	0	0

Get all data in R, Python etc through our Historical Stock Data APIs

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Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

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Tracking the Latest Insider Buys and Sells of nCino Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 06, 2024	sellers jeanette	sold	-65,300	30.33	-2,153	vp of accounting
May 03, 2024	desmond sean	sold	-156,930	30.202	-5,196	chief product officer
May 03, 2024	orenstein gregory	sold	-160,101	30.202	-5,301	cfo & treasurer
May 03, 2024	rieger april	sold	-102,324	30.202	-3,388	chief lgl. & compl. ofc., sec.
May 03, 2024	naude pierre	sold	-477,584	30.202	-15,813	ceo
May 03, 2024	sellers jeanette	sold	-13,530	30.202	-448	vp of accounting
May 02, 2024	desmond sean	sold	-153,436	30.632	-5,009	chief product officer
May 02, 2024	orenstein gregory	sold	-156,530	30.632	-5,110	cfo & treasurer
May 02, 2024	rieger april	sold	-100,075	30.632	-3,267	chief lgl. & compl. ofc., sec.
May 02, 2024	sellers jeanette	sold	-13,202	30.632	-431	vp of accounting

Which funds bought or sold NCNO recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 17, 2024	UNTITLED INVESTMENTS LP	added	3.04	4,225,300	33,314,800	7.61%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-6.81	68,426	1,979,380	-%
May 16, 2024	JANE STREET GROUP, LLC	added	39.79	483,688	1,357,190	-%
May 16, 2024	Motley Fool Asset Management LLC	new	-	1,196,160	1,196,160	0.08%
May 16, 2024	COMERICA BANK	reduced	-30.46	-5,475	18,679	-%
May 15, 2024	Sepio Capital, LP	added	27.09	100,194	343,036	0.03%
May 15, 2024	Azora Capital LP	reduced	-25.24	-4,852,120	23,844,300	1.73%
May 15, 2024	GOLDMAN SACHS GROUP INC	reduced	-34.71	-800,831	2,119,300	-%
May 15, 2024	Select Equity Group, L.P.	new	-	337,168	337,168	-%
May 15, 2024	Parkwood LLC	sold off	-100	-350,000	-	-%

Are Funds Buying or Selling NCNO?

Are funds buying NCNO calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own NCNO

No. of Funds

NCNO Alerts

5 major insider sales recently.

Unveiling nCino Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Apr 11, 2024	insight venture partners x, l.p.	2.6%	2,930,955	SC 13D/A
Apr 03, 2024	insight venture partners x, l.p.	3.0%	3,436,057	SC 13D/A
Feb 14, 2024	dragoneer investment group, llc	4.1%	4,625,246	SC 13G/A
Feb 14, 2024	hmi capital management, l.p.	7.1%	8,031,487	SC 13G/A
Feb 13, 2024	vanguard group inc	6.16%	6,974,332	SC 13G/A
Feb 13, 2024	kayne anderson rudnick investment management llc	6.43%	7,270,200	SC 13G
Sep 01, 2023	insight venture partners x, l.p.	3.5%	3,951,261	SC 13D/A
Feb 14, 2023	hmi capital management, l.p.	6.3%	6,992,517	SC 13G/A
Feb 14, 2023	stad marc	6.6%	7,366,557	SC 13G
Feb 09, 2023	vanguard group inc	6.19%	6,871,467	SC 13G/A

Recent SEC filings of nCino Inc

View All Filings

Date Filed	Form Type	Document
May 10, 2024	ARS	ARS
May 10, 2024	DEF 14A	DEF 14A
May 10, 2024	DEFA14A	DEFA14A
May 08, 2024	4	Insider Trading
May 06, 2024	144	Notice of Insider Sale Intent
May 06, 2024	4	Insider Trading
May 06, 2024	4	Insider Trading
May 06, 2024	4	Insider Trading
May 06, 2024	4	Insider Trading
May 06, 2024	4	Insider Trading

Peers (Alternatives to nCino Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
CRM	277.0B	34.9B	3.35%	33.87%	66.98	7.95	11.18%	1888.46%
UBER	137.2B	38.6B	-8.72%	67.31%	98.72	3.56	14.01%	141.26%
ADSK	47.3B	5.3B	2.96%	8.03%	51.62	8.85	9.15%	48.14%
ANSS	28.6B	2.2B	0.65%	6.79%	65.84	12.85	3.59%	-21.47%
ZM	19.3B	4.5B	8.62%	-7.71%	30.27	4.26	3.06%	514.65%
MID-CAP
APPF	8.7B	671.8M	11.01%	66.39%	113.53	12.92	33.64%	185.98%
LYFT	6.7B	4.7B	-3.99%	99.28%	-36.23	1.43	10.90%	88.31%
ALRM	3.5B	895.2M	7.46%	35.00%	38.7	3.87	5.72%	46.94%
AYX	3.4B	970.0M	0.90%	-15.87%	-19.13	3.53	13.46%	43.89%
AI	3.2B	296.4M	28.11%	-1.60%	-11.7	10.73	11.14%	-3.59%
AGYS	2.7B	228.1M	21.43%	43.87%	31.34	11.99	18.99%	599.09%
SMALL-CAP
AVID	1.2B	413.5M	0.63%	-1.64%	92.02	2.88	-1.65%	-71.35%
AEYE	256.1M	31.6M	76.57%	260.07%	-43.61	8.1	2.76%	43.72%
APPS	253.0M	572.4M	33.33%	-82.31%	-1.28	0.44	-19.38%	-489.49%
ASUR	193.1M	117.7M	5.95%	-44.01%	-19.58	1.64	12.54%	11.24%

nCino Inc News

Latest updates

nCino Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)														(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q1
Revenue	1.4%	123,693	121,942	117,236	113,672	109,181	105,296	99,627	94,211	74,955	70,036	66,519	62,355	-	-
Gross Profit	0.8%	74,483	73,917	69,189	67,484	64,254	62,140	58,406	53,909	43,670	42,782	39,944	36,056	-	-
Operating Expenses	-10.5%	77,668	86,823	83,983	76,111	87,586	80,584	83,412	81,140	73,661	55,506	53,112	51,530	-	-
S&GA Expenses	-22.0%	29,996	38,446	32,164	29,941	33,395	32,423	32,512	29,339	24,674	20,586	19,216	18,425	-	-
R&D Expenses	3.9%	30,184	29,043	29,889	28,195	33,289	29,471	29,701	29,115	23,373	19,956	18,609	17,425	-	-
EBITDA Margin	-	-	-	-	-	-	-	-	-0.18*	-0.23*	-	-	-0.15*	-0.16*	-0.16*
Interest Expenses	0.5%	858	854	1,044	1,379	958	580	631	638	537	379	330	268	-	-
Income Taxes	-275.6%	-3,130	1,782	1,545	1,393	1,912	797	799	563	-24,863	356	487	187	-	-
EBT Margin	-	-	-	-	-	-	-	-	-0.24*	-0.27*	-	-	-0.18*	-0.20*	-0.20*
Net Income	107.1%	1,160	-16,379	-15,884	-11,243	-21,208	-23,579	-27,245	-30,688	-7,119	-13,636	-13,683	-15,008	-	-
Net Income Margin	36.6%	-0.09*	-0.14*	-0.16*	-0.19*	-0.25*	-0.24*	-0.23*	-0.21*	-0.18*	-0.16*	-0.17*	-0.18*	-0.20*	-
Free Cashflow	46.9%	7,716	5,251	11,105	29,698	-26,469	-8,666	4,862	-3,446	-22,875	-21,444	12,591	7,036	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet										(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q1
Assets	5.8%	1,340	1,268	1,302	1,314	1,327	1,291	1,296	1,297	1,301	563
Current Assets	31.4%	251	191	209	212	207	168	177	173	184	442
Cash Equivalents	11.6%	112	100	98.00	98.00	82.00	106	86.00	79.00	88.00	371
Net PPE	-1.8%	79.00	81.00	82.00	83.00	84.00	84.00	73.00	68.00	61.00	30.00
Goodwill	0.0%	839	839	839	839	839	840	841	842	841	57.00
Liabilities	22.1%	288	236	270	286	300	255	252	242	231	134
Current Liabilities	24.3%	215	173	208	223	205	158	191	183	174	116
Shareholder's Equity	2.0%	1,049	1,029	1,028	1,025	1,024	1,032	1,041	1,052	1,068	425
Retained Earnings	0.5%	-352	-354	-337	-321	-310	-288	-266	-239	-209	-161
Additional Paid-In Capital	1.4%	1,401	1,382	1,365	1,346	1,334	1,319	1,306	1,290	1,277	586
Shares Outstanding	0.6%	114	113	113	112	111	110	110	110	97.00	88.00
Float	-	-	-	1,500	-	-	-	1,400	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)														(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q1
Cashflow From Operations	38.8%	8,148	5,870	11,964	31,303	-22,020	-4,080	9,471	1,248	-21,052	-19,076	13,341	7,558	-	-
Share Based Compensation	1.5%	16,066	15,823	15,281	10,865	11,756	12,505	12,671	13,300	7,928	5,845	7,640	7,064	-	-
Cashflow From Investing	87.5%	-389	-3,119	-859	-1,961	-6,949	-4,473	-4,609	-4,694	-274,848	-2,368	-750	-522	-	-
Cashflow From Financing	78.9%	2,918	1,631	-11,806	-13,856	2,075	31,027	3,352	258	3,483	3,334	1,299	7,806	-	-

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NCNO Income Statement

2024-01-31

Consolidated Statements of Operations - USD ($)
$ in Thousands

12 Months Ended

Jan. 31, 2024

Jan. 31, 2023

Jan. 31, 2022

Revenues

Total revenues

$ 476,543

$ 408,315

$ 273,865

Cost of revenues

Total cost of revenues

191,470

169,606

111,413

Gross profit

285,073

238,709

162,452

Operating expenses

Sales and marketing

130,547

127,669

82,901

Research and development

117,311

121,576

79,363

General and administrative

76,727

83,477

71,545

Total operating expenses

324,585

332,722

233,809

Loss from operations

(39,512)

(94,013)

(71,357)

Non-operating income (expense)

Interest income

2,567

403

194

Interest expense

(4,135)

(2,807)

(1,514)

Other expense, net

(856)

(1,356)

(1,277)

Loss before income taxes

(41,936)

(97,773)

(73,954)

Income tax provision (benefit)

1,590

4,071

(23,833)

Net loss

(43,526)

(101,844)

(50,121)

Net loss attributable to redeemable non-controlling interest (Note 3)

(1,109)

(1,119)

(1,569)

Adjustment to redeemable non-controlling interest

(71)

1,995

894

Net loss attributable to nCino, Inc.

$ (42,346)

$ (102,720)

$ (49,446)

Net loss per share attributable to nCino, Inc.:

Basic (in USD per share)

$ (0.38)

$ (0.93)

$ (0.51)

Diluted (in USD per share)

$ (0.38)

$ (0.93)

$ (0.51)

Weighted average number of common shares outstanding:

Basic (in shares)

112,672,397

110,615,734

96,722,464

Diluted (in shares)

112,672,397

110,615,734

96,722,464

Subscription

Revenues

Total revenues

$ 409,479

$ 344,752

$ 224,854

Cost of revenues

Total cost of revenues

^[1]

120,861

106,265

64,508

Professional Services and other

Revenues

Total revenues

67,064

63,563

49,011

Cost of revenues

Total cost of revenues

$ 70,609

$ 63,341

$ 46,905

[1]	See Note 9 "Reseller Agreement" and Note 17 "Related-Party Transactions."

NCNO Balance Sheet

2024-01-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Jan. 31, 2024	Jan. 31, 2023
Current assets
Cash and cash equivalents (VIE: $2,019 and $2,277 at January 31, 2023 and January 31, 2024, respectively)	$ 112,085	$ 82,036
Accounts receivable, less allowances of $899 and $1,451 at January 31, 2023 and January 31, 2024, respectively	112,975	99,497
Costs capitalized to obtain revenue contracts, current portion, net	10,544	9,386
Prepaid expenses and other current assets	15,171	16,274
Total current assets	250,775	207,193
Property and equipment, net	79,145	84,442
Operating lease right-of-use assets, net	19,261	10,508
Costs capitalized to obtain revenue contracts, noncurrent, net	17,425	18,229
Goodwill	838,869	839,440
Intangible assets, net	115,572	152,825
Investments (related party $2,500 at January 31, 2023 and January 31, 2024)	9,294	6,531
Long-term prepaid expenses and other assets	10,089	8,101
Total assets	1,340,430	1,327,269
Current liabilities
Accounts payable	11,842	11,878
Accrued compensation and benefits	16,283	22,623
Accrued expenses and other current liabilities	10,847	10,897
Deferred revenue	170,941	154,871
Financing obligations, current portion	1,474	1,015
Operating lease liabilities, current portion	3,649	3,874
Total current liabilities	215,036	205,158
Operating lease liabilities, noncurrent	16,423	7,282
Deferred income taxes, noncurrent	3,687	2,797
Revolving credit facility, noncurrent	0	30,000
Financing obligations, noncurrent	52,680	54,365
Total liabilities	287,826	299,602
Commitments and contingencies (Note 16)
Redeemable non-controlling interest (Note 3)	3,428	3,589
Stockholders’ equity
Preferred stock, $0.001 par value; 10,000,000 shares authorized, and none issued and outstanding as of January 31, 2023 and January 31, 2024	0	0
Common stock, $0.0005 par value; 500,000,000 shares authorized as of January 31, 2023 and January 31, 2024; 111,424,132 and 113,684,299 shares issued and outstanding as of January 31, 2023 and January 31, 2024, respectively	57	56
Additional paid-in capital	1,400,881	1,333,669
Accumulated other comprehensive income	996	694
Accumulated deficit	(352,758)	(310,341)
Total stockholders’ equity	1,049,176	1,024,078
Total liabilities, redeemable non-controlling interest, and stockholders’ equity	$ 1,340,430	$ 1,327,269

About nCino Inc

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 secure cloud-based solution, which empowers bank employees and leaders with true insight into the bank through an end-to-end platform that spans business lines and combines customer relationship management, customer onboarding, account opening, loan origination, deposit accounts, workflow, credit analysis, enterprise content management, and instant reporting capabilities. The company's nCino IQ, an application suite that utilizes data analytics and artificial intelligence and machine learning 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 incorporated in 2011 and is headquartered in Wilmington, North Carolina.

CEO	Mr. Pierre Naude
WEBSITE	ncino.com
INDUSTRY	Software - Apps
EMPLOYEES	1791

nCino Inc Frequently Asked Questions

What is the ticker symbol for nCino Inc? What does NCNO stand for in stocks?

NCNO is the stock ticker symbol of nCino Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of nCino Inc (NCNO)?

As of Fri May 17 2024, market cap of nCino Inc is 3.66 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of NCNO stock?

You can check NCNO's fair value in chart for subscribers.

What is the fair value of NCNO stock?

You can check NCNO's fair value in chart for subscribers. The fair value of nCino Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of nCino Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for NCNO so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is nCino Inc a good stock to buy?

The fair value guage provides a quick view whether NCNO is over valued or under valued. Whether nCino Inc is cheap or expensive depends on the assumptions which impact nCino Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for NCNO.

What is nCino Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, NCNO's PE ratio (Price to Earnings) is -86.34 and Price to Sales (PS) ratio is 7.67. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. NCNO PE ratio will change depending on the future growth rate expectations of investors.