1.97%
-5.89%
-18.39%
1.60%
4.16%
-35.89%
-66.67%
AI Spotlight on NCNO
Company Description
nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally.Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance.The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements.
It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device.The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers.nCino, Inc.
was founded in 2011 and is headquartered in Wilmington, North Carolina.
Market Data
| Last Price | 30.53 |
| Change Percentage | 1.97% |
| Open | 29.68 |
| Previous Close | 29.94 |
| Market Cap ( Millions) | 3535 |
| Volume | 1501560 |
| Year High | 43.2 |
| Year Low | 28.5 |
| M A 50 | 32.93 |
| M A 200 | 33.57 |
Financial Ratios
| FCF Yield | 2.02% |
| Dividend Yield | 0.00% |
| ROE | -1.69% |
| Debt / Equity | 1.53% |
| Net Debt / EBIDTA | -1095.83% |
| Price To Book | 3.24 |
| Price Earnings Ratio | -194.92 |
| Price To FCF | 49.47 |
| Price To sales | 6.76 |
| EV / EBITDA | 149.63 |
News
- Mar -05 - All You Need to Know About nCino (NCNO) Rating Upgrade to Buy
- Mar -04 - San ju San Bank Selects The nCino Platform to Strengthen Mortgage Business by Delivering More Convenient Customer Experiences
- Mar -04 - Zacks Industry Outlook Unity Software, nCino and Digital Turbine
- Mar -03 - 3 Internet Software Stocks to Buy From a Prospering Industry
- Feb -17 - nCino Announces Timing of its Fourth Quarter and Fiscal Year 2025 Financial Results Conference Call
- Feb -11 - nCino Plunges 20% in 3 Months: Is the Stock Worth Buying on the Dip?
- Feb -11 - nCino Acquires Sandbox Banking to Help Financial Institutions Achieve Better Data Alignment and System Interoperability
- Feb -10 - nCino Appoints New Board Member
- Feb -03 - nCino Announces Appointment of Sean Desmond as President and Chief Executive Officer
- Jan -28 - Wall Street Analysts Think nCino (NCNO) Could Surge 25.15%: Read This Before Placing a Bet
- Jan -24 - Bears are Losing Control Over nCino (NCNO), Here's Why It's a 'Buy' Now
- Jan -23 - Best Growth Stocks to Buy for January 23rd
- Jan -21 - Best Growth Stocks to Buy for January 21st
- Jan -10 - Best Growth Stocks to Buy for January 10th
- Jan -09 - nCino (NCNO) Loses -7.96% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner
- Jan -08 - Bull of the Day: nCino (NCNO)
- Jan -08 - Best Growth Stocks to Buy for January 8th
- Jan -06 - Best Growth Stocks to Buy for January 6th
- Jan -02 - Best Growth Stocks to Buy for January 2nd
- Dec -31 - NCNO Stock Price Increases 9% in 6 Months: Should You Buy It Now?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Subscription
Expected Growth : 11.47 %
What the company do ?
Subscription from nCino, Inc. is a cloud-based banking platform that provides a 360-degree view of customer relationships, enabling banks to manage subscriptions and customer interactions efficiently.
Why we expect these perspectives ?
nCino's subscription growth of 11.47% is driven by increasing adoption of cloud-based banking solutions, growing demand for digital transformation in the financial sector, and the company's expanding partner ecosystem. Additionally, nCino's platform's ability to streamline loan processing, improve customer experience, and provide data-driven insights are key factors contributing to its subscription growth.
Segment n°2 -> Professional Services and Other
Expected Growth : 13.93 %
What the company do ?
Professional Services and Other from nCino, Inc. refers to revenue generated from implementation, consulting, and training services, as well as other miscellaneous revenue streams.
Why we expect these perspectives ?
nCino's Professional Services and Other segment growth of 13.93% is driven by increasing adoption of its cloud-based banking solutions, expansion of existing customer relationships, and growing demand for digital transformation in the financial services industry. Additionally, the company's strategic partnerships and investments in innovation are contributing to its rapid growth.
Ncino, Inc. Products
| Product Range | What is it ? |
|---|---|
| nCino Bank Operating System | A cloud-based banking platform that provides a single, unified platform for all banking functions, including customer onboarding, account opening, loan origination, deposit and loan servicing, and reporting. |
| Customer Onboarding | A digital onboarding solution that enables banks to quickly and efficiently onboard new customers, reducing abandonment rates and improving the overall customer experience. |
| Account Opening | A digital account opening solution that enables banks to quickly and efficiently open new accounts, reducing manual errors and improving the customer experience. |
| Loan Origination | A digital loan origination solution that enables banks to quickly and efficiently originate loans, reducing manual errors and improving the customer experience. |
| Deposit and Loan Servicing | A digital deposit and loan servicing solution that enables banks to efficiently manage deposit and loan accounts, reducing manual errors and improving the customer experience. |
| Reporting and Analytics | A reporting and analytics solution that provides banks with real-time insights and analytics to inform business decisions and improve operational efficiency. |
nCino, Inc.'s Porter Forces
Threat Of Substitutes
nCino, Inc. operates in a niche market, providing cloud-based banking solutions. While there are substitutes available, they are not as comprehensive as nCino's offerings, reducing the threat of substitutes.
Bargaining Power Of Customers
nCino's customers are primarily large financial institutions, which have limited bargaining power due to the complexity and customization required for their banking solutions.
Bargaining Power Of Suppliers
nCino's suppliers are primarily technology and infrastructure providers, which are abundant and interchangeable, reducing their bargaining power.
Threat Of New Entrants
The cloud-based banking solutions market is attractive, and new entrants may be drawn to the market, increasing the threat of new entrants.
Intensity Of Rivalry
The cloud-based banking solutions market is moderately competitive, with a few established players, including nCino, FIS, and Fiserv, leading to a moderate intensity of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 6.61% |
| Debt Cost | 5.37% |
| Equity Weight | 93.39% |
| Equity Cost | 6.81% |
| WACC | 6.71% |
| Leverage | 7.07% |
nCino, Inc. : Quality Control
nCino, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| GTLB | GitLab Inc., through its subsidiaries, develops software for the software development lifecycle in the United States, Europe, and the Asia Pacific. The company offers GitLab, a DevOps platform, which is … |
| CXM | Sprinklr, Inc. provides enterprise cloud software products worldwide. The company offers Unified Customer Experience Management platform, a purpose-built to analyze unstructured customer experience data, built to scale across future and … |
| PCOR | Procore Technologies, Inc. provides a cloud-based construction management platform and related software products in the United States and internationally. The company's platform enables owners, general and specialty contractors, architects, and … |
| ENV | Envestnet, Inc., together with its subsidiaries, provides wealth management software and services in the United States and internationally. It operates through Envestnet Wealth Solutions and Envestnet Data & Analytics segments. … |
| FROG | JFrog Ltd. provides DevOps platform in the United States. The company's products include JFrog Artifactory, a package repository that allows teams and organizations to store, update, and manage their software … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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GitLab
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JFrog
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