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NCNO NASDAQ

nCino, Inc.
1W: +15.1% 1M: +20.7% 3M: +26.5% YTD: -5.0% 1Y: -9.7% 3Y: -17.8% 5Y: -67.6%
$22.92
-0.50 (-2.13%)
After Hours: $22.63 (-0.29, -1.27%)
Weekly Expected Move ±7.9%
$20 $21 $23 $25 $27
NASDAQ · Technology · Software - Application · Tech Score Buy · Power 71 · $2.5B mcap · 98M float · 2.69% daily turnover · Short 45% of daily vol
Credit Risk of going bust: lower than 58% of companies Debt: 12.0% of company value Bonds: none of note held by US funds details ▾
Of US companies ranked in the middle of the pack, about 1 in 580 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.29 (down 99%), nCino, Inc. would be worth roughly what it owes.
Total debt $338.6M against a stock market value of $2.48B.
Distance to default 5.91 (Merton model): prices to 2026-10-26, balance sheet 2026-07-31, debt counted $146.7M (short-term plus half of long-term), stock volatility 50.2%; Altman Z'' 0.86. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Smart Money Score
Moderate 50
Insider—
Congress—
ETF Holdings—
Key Statistics
Market Cap$2.5B
52W Range13.8-27.5
Volume1,971,177
Avg Volume2,633,544
Beta0.69
Dividend—
Analyst Ratings
15 Buy 9 Hold 0 Sell
Consensus Buy
Company Info
CEOSean Desmond
Employees1,684
SectorTechnology
IndustrySoftware - Application
IPO Date2020-07-14
Websitencino.com
6770 Parker Farm Drive
Wilmington, NC 28405
US
888 676 2466
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 intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.

Recent Insider Trades

NameTypeSharesPriceDate
Desmond Sean M-Exempt 59,320 $4.98 2026-10-23
Desmond Sean M-Exempt 59,320 $4.98 2026-10-23
Desmond Sean M-Exempt 43,992 $4.98 2026-10-09
Desmond Sean S-Sale 43,992 $19.90 2026-10-09
Desmond Sean M-Exempt 43,992 $4.98 2026-10-09

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms