nCino stock
NCNONASDAQnCino, Inc., TechnologyISIN US63947X1019
54Score 54 out of 100, Neutral
Price and trend
80 / 100
Price history
−14% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 23% above it.
Since September 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 42).
The price is 15% below its 52-week high. Largest decline in 6 years: 86% (September 2020 to March 2026).
Chart figures for advanced users
- SMA 50$21.21
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$18.23
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)42
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$14.01
- The lowest closing price of the last twelve months.
- Resistance$26.29
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- nCino, Inc. belongs to the Software (Application) industry (United States) and, with a market value of $2.36B, is number 106 of 188 companies in its industry on MEQIRI.
- For fiscal 2027, analysts expect on average revenue of $646.06M (up 8.6%) and adjusted earnings per share of $1.32 (up 24.1%).
- MEQIRI Score 54 out of 100 (Neutral): rank 552 of 854 in Technology, median 61.
Show more
- Our model puts fair value at $20.11, with the price 11% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings turn into cashFree cash flow 393% of earnings over the last 12 months.
Weaknesses
- DilutionShare count up 29% since 2021.Capital allocation 33
- Interest barely coveredOperating profit covers interest only 1.4 times.Stability 46
- Volatile share priceVolatility 50% a year over the last 12 months.Stability 46
Its standout strengths are growth and technical analysis, while capital allocation and valuation hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high price swings
- weak fundamentals
- high growth grade (crashed more often in the backtest)
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $14.36 and expensive above $33.52 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $30.21 (cash-flow model) and $10.01 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 10.2%. At 11.2% the fair value would be $17.93, at 9.2% it would be $23.12.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (31.3).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 31 Jul 2026, revenue rose 8.6% on the twelve months before. Revenue has grown strongly since 2018, at around 34% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2026: gross 61%, operating 1%, net 1%.
Debt & balance sheet
latest quarterDebt is moderate, but interest coverage is weak. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 2 Dec 2026in 19 days
- Last reported
- 25 Aug 2026EPS reported $0.30 (expected $0.27)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $1.32+0.5%
- Revenue
- $646.06M0.0%
- Earnings per share
- $1.58+0.5%
- Revenue
- $701.32M0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +2.7%Fiscal 2027 guidance raised: revenue of $644 million to $647 million, non-GAAP operating income of $171 million to $174 million (before $166 million to $171 million) and free cash flow of $137 million to $142 million.
“For full year fiscal '27, we are again raising our free cash flow guidance to now be $137 million to $142 million, up from our prior range of $135 million to $140 million, representing year-over-year growth of 69% at the midpoint of the range.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 25 Aug 2026 (fiscal Q2 2027), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 5 insiders sold, $4.45M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Desmond SeanSale
4 Nov 2026, CEO & President
- Shares
- 11,757
- Price
- $22.81
- Value
- $268,177
- Sellers JeanetteSale
3 Nov 2026, SVP of Accounting
- Shares
- 905
- Price
- $22.73
- Value
- $20,571
- Rieger AprilSale
3 Nov 2026, Chief Lgl. & Admin Ofc., Secretary
- Shares
- 8,008
- Price
- $22.73
- Value
- $182,022
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- Orenstein GregorySale
3 Nov 2026, CFO & Treasurer
- Shares
- 12,015
- Price
- $22.73
- Value
- $273,101
- Naude PierreSale
3 Nov 2026, Board
- Shares
- 4,770
- Price
- $22.73
- Value
- $108,422
- Desmond SeanSale
3 Nov 2026, CEO & President
- Shares
- 29,247
- Price
- $22.73
- Value
- $664,784
- Desmond SeanSale
9 Oct 2026, CEO & President
- Shares
- 43,992
- Price
- $19.90
- Value
- $875,441
- Desmond SeanSale
5 Oct 2026, CEO & President
- Shares
- 8,064
- Price
- $18.69
- Value
- $150,716
- Rieger AprilSale
15 Sept 2026, Chief Lgl. & Admin Ofc., Secretary
- Shares
- 6,098
- Price
- $21.98
- Value
- $134,052
- Desmond SeanSale
3 Sept 2026, CEO & President
- Shares
- 8,064
- Price
- $23.66
- Value
- $190,794
- Sellers JeanetteSale
27 Aug 2026, SVP of Accounting
- Shares
- 690
- Price
- $22.71
- Value
- $15,666
- Sellers JeanetteSale
5 Aug 2026, SVP of Accounting
- Shares
- 1,536
- Price
- $19.53
- Value
- $29,998
- Desmond SeanSale
5 Aug 2026, CEO & President
- Shares
- 11,815
- Price
- $19.53
- Value
- $230,747
- Sellers JeanetteSale
4 Aug 2026, SVP of Accounting
- Shares
- 887
- Price
- $19.22
- Value
- $17,046
- Rieger AprilSale
4 Aug 2026, Chief Lgl. & Admin Ofc., Secretary
- Shares
- 7,852
- Price
- $19.22
- Value
- $150,900
- Orenstein GregorySale
4 Aug 2026, CFO & Treasurer
- Shares
- 11,780
- Price
- $19.22
- Value
- $226,388
- Naude PierreSale
4 Aug 2026, Board
- Shares
- 4,677
- Price
- $19.22
- Value
- $89,883
- Desmond SeanSale
4 Aug 2026, CEO & President
- Shares
- 28,675
- Price
- $19.22
- Value
- $551,076
- Desmond SeanSale
6 Jul 2026, CEO & President
- Shares
- 8,064
- Price
- $17.47
- Value
- $140,878
- Desmond SeanSale
3 Jun 2026, CEO & President
- Shares
- 8,064
- Price
- $16.26
- Value
- $131,121
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at nCino
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
854 rated companies in Technology
- This company
- 54
- Sector median
- 61
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Software (Application)
The next larger and next smaller companies by market value
- WebullBULL $2.63B45
- GrindrGRND $2.55B67
- ePlus inc.PLUS $2.53B67
- BlackbaudBLKB $2.41B73
- Kingsoft Cloud HoldingsKC $2.34B34
- SchrödingerSDGR $2.31B49
- AsanaASAN $2.21B39
- AmplitudeAMPL $2.21B51
ETFs that hold nCino
Held by 16 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| WisdomTree Cloud Computing UCITS ETF USD AccWTEJ | 1.53% | 0.40% | €300.71M |
| iShares Digitalisation UCITS ETF2B79 | 0.10% | 0.40% | €736.08M |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.09% | 0.30% | €185.82M |
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| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.08% | 0.30% | €2.22B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.08% | 0.30% | €4.28B |
| Amundi MSCI Digital Economy UCITS ETF AccEBUY | 0.04% | 0.45% | €98.66M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.04% | 0.39% | €190.04M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.03% | 0.45% | €1.54B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 31 Jan 2026
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.