NCNO

nCino Inc

NCNO.US ncino.com + Research + Basket
CIK 0001566895
Employees 1,684
Phone 888 676 2466
Fiscal year end January
IPO Jul 14, 2020
Address 6770 Parker Farm Drive, Wilmington, NC, United States, 28405
23.21
-0.23 (-0.98%)
USD · NASDAQ
52-week range
13.80
27.50
Trading at 69% of the 52-week range
Market Cap
2.45B
P/E Ratio
72.53
Forward P/E
14.60
Book Value
8.85
Div. Yield
N/A
% Institutions
125.12%
% Insiders
3.30%

1 Year

-7.9%

3 Year

-20.1%

10 Year

-74.7%
Description

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.

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People

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Directors & Officers

Name Title Year Born
Mr. Pierre Naude Co-Founder & Chairman of the Board 1959
Mr. Sean Desmond CEO, President & Director 1974
Mr. Gregory D. Orenstein CFO & Treasurer 1969
Ms. April Rieger Chief Legal & Administrative Officer and Corporate Secretary 1980
Ms. Katie Smith Director of Operations NA
Jeanette Sellers Vice President of Accounting NA
Mr. Izak Cronier Head of Information Technology NA
Mr. Davis Brannan Executive Vice President of Strategic Operations NA
Mr. Anthony Morris Senior VP of Global Banking Strategy & Customer Advisory NA
Mr. Mark Bernhardi Managing Director of Australia & New Zealand NA

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Apr 14, 2026 Jeanette Sellers N/A Sale 1.87K $17.55 $32.87K SEC
Apr 06, 2026 Sean Desmond N/A Sale 15.44K $17.06 $263.41K SEC
Apr 02, 2026 Gregory Orenstein N/A Sale 8.84K $16.75 $148.07K SEC
Apr 02, 2026 Jeanette Sellers N/A Sale 735.00 $16.75 $12.31K SEC
Apr 02, 2026 Pierre Naude N/A Sale 22.70K $16.75 $380.23K SEC
Apr 02, 2026 Sean Desmond N/A Sale 5.75K $16.75 $96.26K SEC
Apr 02, 2026 April Rieger N/A Sale 5.75K $16.75 $96.26K SEC
Feb 04, 2026 Jeanette Sellers N/A Sale 2.18K $18.26 $39.84K SEC
Feb 03, 2026 Jeanette Sellers N/A Sale 1.33K $18.68 $24.84K SEC
Feb 03, 2026 Sean Desmond N/A Sale 16.05K $18.68 $299.76K SEC
Feb 03, 2026 Pierre Naude N/A Sale 24.27K $18.68 $453.42K SEC
Feb 03, 2026 Gregory Orenstein N/A Sale 10.56K $18.68 $197.30K SEC
Feb 03, 2026 April Rieger N/A Sale 8.08K $18.68 $150.90K SEC
Jan 05, 2026 Sean Desmond N/A Sale 7.33K $24.51 $179.68K SEC
Dec 17, 2025 Jeanette Sellers N/A Sale 1.51K $24.49 $36.91K SEC
Dec 05, 2025 Sean Desmond N/A Sale 7.33K $24.11 $176.75K SEC
Nov 04, 2025 Sean Desmond N/A Sale 10.01K $25.81 $258.25K SEC
Nov 04, 2025 Pierre Naude N/A Sale 4.88K $25.81 $125.98K SEC
Nov 04, 2025 Jeanette Sellers N/A Sale 640.00 $25.81 $16.52K SEC
Nov 04, 2025 April Rieger N/A Sale 4.73K $25.81 $122.11K SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 9.02M Jun 30, 2026 8.53% $0.00 59.94%
Vanguard Portfolio Management, LLC 7.83M Jun 30, 2026 7.40% $0.01 12.48%
RIMA MANAGEMENT, LLC 7.33M Jun 30, 2026 6.93% $3.51 38.01%
AQR Capital Management LLC 7.10M Jun 30, 2026 6.72% $0.04 189.65%
Bank of America Corp 5.16M Jun 30, 2026 4.88% $0.01 418.93%
American Capital Management Inc 5.11M Jun 30, 2026 4.83% $3.74 115.02%
HMI Capital Management, L.P. 4.99M Jun 30, 2026 4.72% $11.45 -26.37%
Bank of Montreal 4.71M Jun 30, 2026 4.46% $0.03 182.69%
BMO Capital Markets Corp. 4.71M Jun 30, 2026 4.46% $0.03 182.69%
Vanguard Capital Management, LLC 4.46M Jun 30, 2026 4.22% $0.00 -5.46%
ClearBridge Advisors, LLC 3.91M Jun 30, 2026 3.70% $0.05 85.16%
Lead Edge Capital Management, LLC 3.66M Jun 30, 2026 3.46% $10.88 117.04%
Long Path Partners, LP 3.64M Jun 30, 2026 3.44% $25.36 -17.66%
Wellington Management Company LLP 3.01M Jun 30, 2026 2.85% $0.01 0.00%
State Street Corp 2.91M Jun 30, 2026 2.75% $0.00 41.02%
Geode Capital Management, LLC 2.71M Jun 30, 2026 2.56% $0.00 41.25%
Dimensional Fund Advisors, Inc. 2.70M Jun 30, 2026 2.55% $0.01 14.97%
Kayne Anderson Rudnick Investment Management LLC 2.52M Jun 30, 2026 2.39% $0.13 -50.94%
Algebris Investment Management (UK) LLP 2.41M Jun 30, 2026 2.28% $2.59 16.11%
Conestoga Capital Advisors, LLC 2.12M Jun 30, 2026 2.01% $0.75 -22.17%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 UBS (CH) BF CHF Corporates Sustainable F 3.80M 3.59% ▲ 0.00% Jul 31, 2026
2 Vanguard MStar Total Stk Mkt Idx Invest 3.02M 2.86% ▼ 3.26% Sep 30, 2026
3 Vanguard Explorer Inv 2.79M 2.64% ▲ 9.79% Sep 30, 2026
4 iShares Russell 2000 ETF 2.73M 2.58% ▼ 0.41% Oct 29, 2026
5 Vanguard Information Technology ETF 2.60M 2.46% ▲ 0.23% Sep 30, 2026
6 UBS (CH) IF Bds CHF FI NSL I-B-acc 2.40M 2.27% ▲ 0.00% Sep 30, 2026
7 Bonds CHF Foreign Index I-B-acc 2.20M 2.08% ▲ 0.00% Sep 30, 2026
8 Vanguard Small Cap Index 2.14M 2.03% ▼ 5.49% Sep 30, 2026
9 Baron Small Cap Retail 1.55M 1.47% ▲ 0.00% Sep 30, 2026
10 UBS (CH) IF - Bonds CHF Frgn 1-5 I-A-acc 1.20M 1.13% ▲ 0.00% Aug 31, 2026

Financial Highlights

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Market Cap: $2.45B
EBITDA: $91.87M
P/E Ratio: $72.53
Book Value: $8.85
Earnings/Share: $0.32
Profit Margin: 5.40%
Operating Margin: 8.46%
ROA (TTM): 2.00%
ROE (TTM): 3.86%
Revenue (TTM): $622.24M
Revenue/Share (TTM): $5.78
Earnings Growth (YOY): 147.60%
Revenue Growth (YOY): 8.20%

Valuation Metrics

Enterprise Value: $2.73B
Trailing P/E: 72.53
Forward P/E: 14.60

Shares Statistics

Shares Outstanding: 105.74M
Shares Float: 87.74M
% Insiders: 3.30%
% Institutions: 125.12%
Shares Short: 18.85M
Shares Short (Prior Month): 19.92M
Short Ratio: 9.01
Short % Float: 18.10%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$594.78M
Cost of Goods Sold
adjust
$-234.61M
Gross Profit
subtotal
$360.17M
SG&A
adjust
$-92.35M
R&D
adjust
$-127.53M
Other Operating Expense
adjust
$-136.56M
Operating Income
subtotal
$3.73M
Other / Non-Operating Items
adjust
$1.45M
Net Income
subtotal
$5.18M

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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