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NCINO INC.

NCNO | US

15.22

USD

-0.56

-3.55%

NCNO | US
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About NCINO INC.

Sector

Technology

Industry

Software-Application

Earnings date

31/07/2024

As of date

12/03/2026

Close

15.22

Open

15.74

High

16.31

Low

15.14

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.

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NCNO | US

Risk
60.6
Sharpe
-1.09
Luna's Score
54/100
Recommendation
Hold

Luna says (NCNO | US)

What's Working

Low Market Beta (-0.4 to 0.8)

Low Debt to Equity (< 0.25)

Low Debt to Asset (< 0.2)

Strong Revenue Growth (> 10%)

What's not Working

Negative Momentum (Declining Price)

Price Below SMA10D

Smallcap (300M - 2B USD)

Weak Operating Margin (< 10%)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

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10 days

49.8%

1 month

60.6%

3 months

50.6%

6 months

44.4%

Returns

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Fundamental Ratios

PE

-

Fwd. PE

-

Price to book

3.89

Debt to equity

0.10

Debt to assets

0.08

Ent. to EBITDA

238.43

Ent. to rev.

8.25

PEG

-

Other Fundamentals

EBITDA

24.83M

MarketCap

1.76B

MarketCap(USD)

1.76B

Div. yield

-

Op. margin

-5.20

Erngs. growth

-

Rev. growth

12.90

Ret. on equity

-2.76

Short ratio

5.37

Short perc.

11.47

Market Sentiment (SMA and Price signals)

Short-term: Bullish (SMA10D > SMA1M)

Intermediate-term: Bearish (SMA1M < SMA3M)

Long-term: Bearish (SMA6M < SMA12M)

SMAs: Stock Price Trends

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Range10D

1.94

Range1M

5.26

Range3M

12.71

Volumes: Market Activity

Volume Averages

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Rel. volume

0.75

Price X volume

29.02M

Peers

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Marketcap
Day Return
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Braze Inc. Class A Common StockBRZESoftware-Application18.581.91B-1.38%n/a19.37%
Intapp Inc.INTASoftware-Application24.651.90B-2.72%n/a6.35%
EVERTEC IncEVTCSoftware-Infrastructure29.031.86B1.68%31.70201.47%
Appian CorporationAPPNSoftware-Infrastructure25.151.82B-1.49%n/a-705.44%
Alkami Technology Inc. Common StockALKTSoftware-Application18.071.79B-2.69%n/a5.81%
DeVry Education Group IncDVSoftware-Application10.361.76B-2.17%51.038.20%
SEMrush Holdings Inc.SEMRSoftware-Application11.921.75B0.00%124.275.48%
STHREE PLC COMMON STOCK GBP.01STEMSoftware-Infrastructure10.61.72B-0.38%n/a-294.80%
China Yuchai International LimitedCYDDiversified Industrials42.091.72B-3.24%10.1421.00%
Payoneer Global Inc. Common StockPAYOSoftware-Infrastructure4.431.69B-4.32%32.125.79%
  • 1

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  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA238.4336.63Expensive
Ent. to Revenue8.255.65Expensive
PE Ratio-50.43-
Price to Book3.899.90Cheaper
Dividend Yield-2.19-
Std. Deviation (3M)50.6556.70Par
Debt to Equity0.100.13Cheaper
Debt to Assets0.080.22Cheaper
Market Cap1.76B15.48BEmerging
  • 1

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