NCNO

nCino, Inc.

Technology · $2.0B market cap

Verdict

We can't put a fair value on NCNO right now. It has fewer than 5 profitable years and uneven cash flow, not enough history to project from yet.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth—?
Equity per share growth0.6% a year✗
Sales growth35.4% a year✓
Free cash flow growth24.3% a year✓
Return on invested capital-1.5%✗

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Insider activity

Since Sep 3, 2026: no open-market purchases, 1 sale worth $191K and 1 other filing (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About nCino, Inc.

nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial…

Software - Application

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works