nCino
Cloud software connecting lending, onboarding, account opening, and mortgage workflows.
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Profile
Sells cloud software for lending, client onboarding, deposit-account opening, mortgage, and data connectivity. A bank-origin platform expanded through internal development and acquisitions, serving financial institutions in North America, Europe, and APAC.
Combines lending, client onboarding, deposit-account opening, mortgage, and financial-services data connectivity in a cloud platform for banks, credit unions, and other financial institutions. The original Bank Operating System focused on commercial and small-business lending; later internal development and acquisitions extended it into retail lending, analytics, AI/ML, and client-lifecycle intelligence.
Sales began with U.S. community and regional banks, then expanded to enterprise banks and international markets. Products span North America, Europe, and APAC. Visible Equity, FinSuite, SimpleNexus, DocFox, ILT, FullCircl, and Sandbox Banking broadened the platform. Acquisitions are a recurring platform-expansion mechanism.
Company facts
Categories
Key statistics
Year to date −6.6% · Average volume (30d) 2.5M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | Truist Financial | Target | $27 | $20 | ||
| Aug 26, 2026 | Morgan Stanley | Reiterate | Overweight | $36 | $25 | |
| Aug 26, 2026 | UBS | Reiterate | Buy | $36 | $25 | |
| Aug 26, 2026 | Needham | Reiterate | Buy | $45 | $25 | |
| Aug 26, 2026 | Barclays | Reiterate | Overweight | $34 | $23 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 25, 2026Q2 FY27 | $0.27 | $0.30 | +12.9% | $159.1M | $161.0M | +1.2% | +3.36% |
| May 27, 2026Q1 FY27 | $0.28 | $0.33 | +17.9% | $155.8M | $159.4M | +2.3% | +4.34% |
| Mar 31, 2026Q4 FY26 | $0.21 | $0.37 | +76.2% | $147.9M | $149.7M | +1.2% | +10.61% |
| Dec 3, 2025Q3 FY26 | $0.21 | $0.31 | +50.0% | $147.4M | $152.2M | +3.3% | −4.77% |
Financial highlights
| 12 quarters | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | |
|---|---|---|---|---|---|---|---|
| Revenue | $144.1M | $148.8M | $152.2M | $149.7M | $159.4M | $161.0M | |
| Gross profit | $86.4M | $88.1M | $93.7M | $91.9M | $96.4M | $105.3M | |
| Operating income | −$1.5M | −$9.3M | $11.7M | $2.8M | $22.1M | $13.6M | |
| Net income | $5.6M | −$15.3M | $6.5M | $8.3M | $13.6M | $5.1M | |
| Diluted EPS | $0.05 | −$0.13 | $0.06 | $0.07 | $0.12 | $0.05 | |
| Gross margin | 60.0% | 59.2% | 61.6% | 61.4% | 60.5% | 65.4% | |
| Operating margin | -1.0% | -6.2% | 7.7% | 1.9% | 13.8% | 8.5% |
Fiscal years (4-quarter sums)FY22 $273.9M · FY23 $408.3M · FY24 $476.5M · FY25 $540.7M · FY26 $594.8M
Revenue by product · Q2 FY27
Revenue by geography · Q2 FY27
Balance sheet, Jul 31, 2026Cash & short-term investments $83.3M · Total debt $22.5M · Total assets $1.57B · Shareholders' equity $929.8M
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 109.55M · Float 103.80M · 94.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 8.87M | 8.10% | 13G | Jul 29, 2026 |
| Vanguard Portfolio Management LLC | 7.83M | 7.14% | 13F | Aug 13, 2026 |
| Senvest Management, LLC | 7.33M | 6.69% | 13F | Aug 14, 2026 |
| AQR Capital Management LLC | 7.10M | 6.48% | 13F | Aug 14, 2026 |
| Bank of America Corp /DE/ | 5.16M | 4.71% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 5, 2026 | Sean Desmond | director, officer: CEO & President | −11,815 | $19.53 |
| Aug 4, 2026 | Sean Desmond | director, officer: CEO & President | −28,675 | $19.22 |
| Aug 4, 2026 | Pierre Naude | director | −4,677 | $19.22 |
| Aug 4, 2026 | Gregory Orenstein | officer: CFO & Treasurer | −11,780 | $19.22 |
| Aug 4, 2026 | April Rieger | officer: Chief Lgl. & Admin Ofc., Sec | −7,852 | $19.22 |
Peers
- Intercontinental Exchange
Mortgage origination and closing workflow through Encompass.
- FIS
Commercial lending and unified digital origination software.
- Blend Labs
Digital origination platform for mortgages, loans and deposit accounts.
- Q2
Digital banking and lending software for financial institutions.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| nCino | $22.99 | −0.13% | $2.52B | 76.6 | 16.0 | 4.0 | +8.2% |
| Intercontinental Exchange | $162.37 | +0.02% | $91.13B | 22.9 | 19.7 | 6.8 | −18.3% |
| FIS | $41.31 | −0.33% | $21.42B | 6.3 | 6.5 | 1.7 | +29.1% |
| Blend Labs | $1.52 | +0.33% | $368.0M | — | 38.8 | 2.8 | +7.3% |
| Q2 | $65.13 | +0.12% | $4.06B | 46.5 | 21.0 | 4.8 | +12.6% |
| Median | 22.9 | 20.4 | 3.8 | +10.0% |