nCino, Inc. (NCNO)Technology | Software - Application | Wilmington, United States | NasdaqGS
22.99 USD
-0.33
(-1.415%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 22.99 |
Hot Take ↕ | Aug. 22, 2026, 5:53 a.m. EDT
The long-term outlook remains deeply concerning due to a brutal five-year trajectory where the stock has lost nearly 65% of its value. While the company recently cracked the 'Rule of 40' with strong earnings growth, the market has punished the stock for four consecutive years of declining share prices, leaving it with a massive valuation gap. The current price sits well below the 200-day average, reflecting this structural deterioration. On the short end, the technical picture is mixed; the stock has recently bounced off lows, yet the heavy put option flow suggests smart money is still betting on further weakness. With no dividend to provide income and a balance sheet showing debt-to-equity concerns, this is a speculative recovery play rather than a solid investment. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.081163 |
| AutoARIMA | 0.081163 |
| MSTL | 0.081763 |
| AutoTheta | 0.093923 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 45% |
| H-stat | 0.95 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.193 |
| Excess Kurtosis | -1.32 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 35.825 |
| Revenue per Share | 5.776 |
| Market Cap | 2,430,874,624 |
| Trailing P/E | 74.16 |
| Forward P/E | 14.53 |
| Beta | 0.66 |
| Profit Margins | 5.40% |
| Website | https://www.ncino.com |
As of Aug. 22, 2026, 5:53 a.m. EDT: Speculators are aggressively positioning for downside protection, evidenced by massive open interest in deep out-of-the-money puts (strikes 10 and 12.5) expiring in November 2026, which dwarfs call volume. Conversely, call activity is concentrated near the money and slightly out-of-the-money, suggesting a defensive stance rather than a bullish breakout attempt. Implied volatility is significantly elevated for put strikes compared to calls, indicating a market pricing in a high probability of a sharp decline.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.260296 |
| Address1 | 6,770 Parker Farm Drive |
| All Time High | 103.95 |
| All Time Low | 13.8 |
| Ask | 22.87 |
| Ask Size | 2 |
| Audit Risk | 2 |
| Average Analyst Rating | 2.0 - Buy |
| Average Daily Volume10 Day | 3,270,510 |
| Average Daily Volume3 Month | 3,106,592 |
| Average Volume | 3,106,592 |
| Average Volume10Days | 3,270,510 |
| Beta | 0.663 |
| Bid | 16.98 |
| Bid Size | 2 |
| Board Risk | 8 |
| Book Value | 8.845 |
| City | Wilmington |
| Compensation As Of Epoch Date | 1,798,675,200 |
| Compensation Risk | 6 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 22.99 |
| Current Ratio | 0.847 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 23.83 |
| Day Low | 22.815 |
| Debt To Equity | 35.825 |
| Display Name | nCino |
| Earnings Call Timestamp End | 1,787,689,800 |
| Earnings Call Timestamp Start | 1,787,689,800 |
| Earnings Timestamp | 1,787,688,000 |
| Earnings Timestamp End | 1,787,688,000 |
| Earnings Timestamp Start | 1,787,688,000 |
| Ebitda | 91,868,000 |
| Ebitda Margins | 0.14764 |
| Enterprise To Ebitda | 29.408 |
| Enterprise To Revenue | 4.342 |
| Enterprise Value | 2,701,615,616 |
| Eps Current Year | 1.29958 |
| Eps Forward | 1.58235 |
| Eps Trailing Twelve Months | 0.31 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 18.2948 |
| Fifty Day Average Change | 4.6952 |
| Fifty Day Average Change Percent | 0.25664124 |
| Fifty Two Week Change Percent | -26.029598 |
| Fifty Two Week High | 31.925 |
| Fifty Two Week High Change | -8.934999 |
| Fifty Two Week High Change Percent | -0.27987468 |
| Fifty Two Week Low | 13.8 |
| Fifty Two Week Low Change | 9.19 |
| Fifty Two Week Low Change Percent | 0.665942 |
| Fifty Two Week Range | 13.8 - 31.925 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,594,733,400,000 |
| Float Shares | 87,804,376 |
| Forward Eps | 1.58235 |
| Forward P E | 14.529023 |
| Free Cashflow | 151,539,376 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 1,684 |
| Fullday Change | -0.33 |
| Fullday Change Percent | -1.41509 |
| Fullday Price | 22.99 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.62243 |
| Gross Profits | 387,304,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.03026 |
| Held Percent Institutions | 1.2421601 |
| Implied Shares Outstanding | 105,736,174 |
| Industry | Software - Application |
| Industry Disp | Software - Application |
| Industry Key | software-application |
| Ipo Expected Date | 2,020-07-15 |
| Is Earnings Date Estimate | 0 |
| 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 | 2,430,874,624 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_226872615 |
| Most Recent Quarter | 1,785,456,000 |
| Net Income To Common | 33,597,000 |
| Next Fiscal Year End | 1,801,353,600 |
| Non Diluted Market Cap | 2,463,652,854 |
| Number Of Analyst Opinions | 11 |
| Open | 23.3 |
| Operating Cashflow | 133,613,000 |
| Operating Margins | 0.08456001 |
| Overall Risk | 6 |
| Payout Ratio | 0.0 |
| Phone | 888 676 2466 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 22.99 |
| Post Market Time | 1,787,959,804 |
| Previous Close | 23.32 |
| Price Eps Current Year | 17.69033 |
| Price Hint | 2 |
| Price To Book | 2.5992086 |
| Price To Sales Trailing12 Months | 3.9066262 |
| Profit Margins | 0.053990003 |
| Quick Ratio | 0.717 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.0 |
| Region | US |
| Regular Market Change | -0.33 |
| Regular Market Change Percent | -1.41509 |
| Regular Market Day High | 23.83 |
| Regular Market Day Low | 22.815 |
| Regular Market Day Range | 22.815 - 23.83 |
| Regular Market Open | 23.3 |
| Regular Market Previous Close | 23.32 |
| Regular Market Price | 22.99 |
| Regular Market Time | 1,787,947,200 |
| Regular Market Volume | 2,606,224 |
| Return On Assets | 0.01995 |
| Return On Equity | 0.03855 |
| Revenue Growth | 0.082 |
| Revenue Per Share | 5.776 |
| Sand P52 Week Change | 0.20204377 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 105,736,174 |
| Shares Percent Shares Out | 0.16690001 |
| Shares Short | 18,281,608 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 18,483,292 |
| Short Name | nCino, Inc. |
| Short Percent Of Float | 0.1693 |
| Short Ratio | 8.94 |
| Source Interval | 15 |
| State | NC |
| Symbol | NCNO |
| Target High Price | 28.0 |
| Target Low Price | 17.0 |
| Target Mean Price | 24.27273 |
| Target Median Price | 25.0 |
| Total Cash | 83,290,000 |
| Total Cash Per Share | 0.788 |
| Total Debt | 338,627,008 |
| Total Revenue | 622,243,968 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.31 |
| Trailing P E | 74.161285 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 19.188475 |
| Two Hundred Day Average Change | 3.801525 |
| Two Hundred Day Average Change Percent | 0.19811502 |
| Type Disp | Equity |
| Volume | 2,606,224 |
| Website | https://www.ncino.com |
| Zip | 28,405 |