nCino, Inc. (NCNO)Technology | Software - Application | Wilmington, United States | NasdaqGS
17.40 USD
+0.41
(2.413%)
⇧
(July 13, 2026, 4 p.m.
EDT)
After hours: 17.44 +0.04 (0.230%) ⇧ (July 13, 2026, 7:48 p.m. EDT) |
Hot Take ↕ | July 11, 2026, 6:41 a.m. EDT
The long-term outlook is severely compromised by a brutal five-year price trajectory that has erased nearly 69% of value, driven by four consecutive years of negative annual returns. Despite recent operational improvements like a 106% revenue growth rate and a massive 145% jump in quarterly earnings, the market has priced in a permanent structural decline, evidenced by the stock trading at a staggering 141x trailing P/E while generating only 1.8% ROE. This disconnect suggests the previous valuation was a bubble that has now burst, leaving the company with fragile fundamentals and a balance sheet burdened by debt relative to its small market cap. On the short end, the recent price action shows a tentative recovery from lows, yet the heavy put option flow acts as a ceiling, with speculators aggressively buying insurance against further drops. The statistical forecast offers no help, showing a weak bearish lean with low confidence. Until the multi-year decline is decisively reversed and the high valuation is justified by sustained profitability, this remains a high-risk speculative play rather than a core investment. |
| Model | MAE |
|---|---|
| MSTL_74 ✓ | 0.064556 |
| MSTL_74_115 | 0.068646 |
| MSTL_115 | 0.076818 |
| AutoTheta | 0.077791 |
| AutoARIMA | 0.080638 |
| AutoETS | 0.083866 |
| MSTL | 0.083954 |
Forecast horizon: 60 days | Selected: MSTL_74
| Forecast Reliability | |
|---|---|
| Score | 38% |
| H-stat | 4.51 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.336 |
| Excess Kurtosis | -0.69 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 33.187 |
| Revenue per Share | 5.481 |
| Market Cap | 1,906,221,312 |
| Trailing P/E | 145.00 |
| Forward P/E | 11.68 |
| Beta | 0.68 |
| Profit Margins | 2.17% |
| Website | https://www.ncino.com |
As of July 11, 2026, 6:41 a.m. EDT: Speculators are positioning defensively with heavy put volume at strikes significantly below the current price (e.g., $7.50, $12.50), suggesting a fear of a deep correction. While there is some call interest at higher strikes ($25-$30), the overwhelming open interest concentration in out-of-the-money puts indicates a 'crash protection' strategy rather than a bullish breakout bet. Implied volatility is elevated on these downside strikes, reflecting market anxiety.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.43005705 |
| Address1 | 6,770 Parker Farm Drive |
| All Time High | 103.95 |
| All Time Low | 13.8 |
| Ask | 21.79 |
| Ask Size | 2 |
| Audit Risk | 2 |
| Average Analyst Rating | 2.0 - Buy |
| Average Daily Volume10 Day | 4,810,280 |
| Average Daily Volume3 Month | 3,637,375 |
| Average Volume | 3,637,375 |
| Average Volume10Days | 4,810,280 |
| Beta | 0.68 |
| Bid | 12.48 |
| Bid Size | 2 |
| Board Risk | 8 |
| Book Value | 8.919 |
| City | Wilmington |
| Compensation As Of Epoch Date | 1,798,675,200 |
| Compensation Risk | 6 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 17.4 |
| Current Ratio | 0.892 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 17.71 |
| Day Low | 17.02 |
| Debt To Equity | 33.187 |
| Display Name | nCino |
| Earnings Call Timestamp End | 1,779,913,800 |
| Earnings Call Timestamp Start | 1,779,913,800 |
| Earnings Growth | 1.476 |
| Earnings Quarterly Growth | 1.453 |
| Earnings Timestamp | 1,779,912,000 |
| Earnings Timestamp End | 1,787,688,000 |
| Earnings Timestamp Start | 1,787,688,000 |
| Ebitda | 71,569,000 |
| Ebitda Margins | 0.11732 |
| Enterprise To Ebitda | 29.96 |
| Enterprise To Revenue | 3.515 |
| Enterprise Value | 2,144,207,360 |
| Eps Current Year | 1.25118 |
| Eps Forward | 1.49035 |
| Eps Trailing Twelve Months | 0.12 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 16.0826 |
| Fifty Day Average Change | 1.3174 |
| Fifty Day Average Change Percent | 0.08191462 |
| Fifty Two Week Change Percent | -43.005707 |
| Fifty Two Week High | 33.92 |
| Fifty Two Week High Change | -16.519999 |
| Fifty Two Week High Change Percent | -0.48702827 |
| Fifty Two Week Low | 13.8 |
| Fifty Two Week Low Change | 3.5999994 |
| Fifty Two Week Low Change Percent | 0.26086953 |
| Fifty Two Week Range | 13.8 - 33.92 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,594,733,400,000 |
| Float Shares | 100,431,571 |
| Forward Eps | 1.49035 |
| Forward P E | 11.67511 |
| Free Cashflow | 138,516,992 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 1,684 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.61613 |
| Gross Profits | 375,876,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.02973 |
| Held Percent Institutions | 1.12488 |
| Implied Shares Outstanding | 109,552,950 |
| Industry | Software - Application |
| Industry Disp | Software - Application |
| Industry Key | software-application |
| Ipo Expected Date | 2,020-07-15 |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,769,817,600 |
| Long Business Summary | nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina. |
| Long Name | nCino, Inc. |
| Market | us_market |
| Market Cap | 1,906,221,312 |
| Market State | POSTPOST |
| Max Age | 86,400 |
| Message Board Id | finmb_226872615 |
| Most Recent Quarter | 1,777,507,200 |
| Net Income To Common | 13,259,000 |
| Next Fiscal Year End | 1,801,353,600 |
| Non Diluted Market Cap | 1,862,400,150 |
| Number Of Analyst Opinions | 11 |
| Open | 17.25 |
| Operating Cashflow | 117,150,000 |
| Operating Margins | 0.13248 |
| Overall Risk | 6 |
| Payout Ratio | 0.0 |
| Phone | 888 676 2466 |
| Post Market Change | 0.040000916 |
| Post Market Change Percent | 0.22989032 |
| Post Market Price | 17.44 |
| Post Market Time | 1,783,986,526 |
| Previous Close | 16.99 |
| Price Eps Current Year | 13.906871 |
| Price Hint | 2 |
| Price To Book | 1.9508914 |
| Price To Sales Trailing12 Months | 3.124656 |
| Profit Margins | 0.02173 |
| Quick Ratio | 0.759 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.0 |
| Region | US |
| Regular Market Change | 0.41 |
| Regular Market Change Percent | 2.41318 |
| Regular Market Day High | 17.71 |
| Regular Market Day Low | 17.02 |
| Regular Market Day Range | 17.02 - 17.71 |
| Regular Market Open | 17.25 |
| Regular Market Previous Close | 16.99 |
| Regular Market Price | 17.4 |
| Regular Market Time | 1,783,972,800 |
| Regular Market Volume | 2,370,952 |
| Return On Assets | 0.01148 |
| Return On Equity | 0.01809 |
| Revenue Growth | 0.106 |
| Revenue Per Share | 5.481 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 109,552,950 |
| Shares Percent Shares Out | 0.1841 |
| Shares Short | 20,167,235 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 16,610,794 |
| Short Name | nCino, Inc. |
| Short Percent Of Float | 0.1868 |
| Short Ratio | 4.68 |
| Source Interval | 15 |
| State | NC |
| Symbol | NCNO |
| Target High Price | 28.0 |
| Target Low Price | 17.0 |
| Target Mean Price | 23.36364 |
| Target Median Price | 23.0 |
| Total Cash | 102,813,000 |
| Total Cash Per Share | 0.938 |
| Total Debt | 326,712,000 |
| Total Revenue | 610,057,984 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.12 |
| Trailing P E | 145.0 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 20.401525 |
| Two Hundred Day Average Change | -3.0015259 |
| Two Hundred Day Average Change Percent | -0.14712262 |
| Type Disp | Equity |
| Volume | 2,370,952 |
| Website | https://www.ncino.com |
| Zip | 28,405 |