---
title: "nCino, Inc. (NCNO.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/NCNO.US.md"
symbol: "NCNO.US"
name: "nCino, Inc."
industry: "Application Software"
datetime: "2026-05-20T22:22:37.664Z"
locales:
  - [en](https://longbridge.com/en/quote/NCNO.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/NCNO.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/NCNO.US.md)
---

# nCino, Inc. (NCNO.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Application Software |
| Exchange | US Market |
| Website | [www.ncino.com](https://www.ncino.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:16.000Z

**Overall: C (0.40)**

**Industry**: Application Software

| Metric | Value |
|--------|-------|
| Industry Ranking | 114 / 278 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 10.01% |  |
| Net Profit YoY | 113.68% |  |
| P/B Ratio | 1.55 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1637358699.90 |  |
| Revenue | 594781000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 0.48% | D |
| Profit Margin | 0.87% | C |
| Gross Margin | 60.76% | A |
| Revenue YoY | 10.01% | B |
| Net Profit YoY | 113.68% | A |
| Total Assets YoY | 2.34% | C |
| Net Assets YoY | -2.64% | D |
| Cash Flow Margin | 1738.71% | A |
| OCF YoY | 10.01% | B |
| Turnover | 0.37 | C |
| Gearing Ratio | 35.16% | B |

```chart-data:radar
{
  "title": "Longbridge Financial Score - nCino, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "10.01%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "113.68%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.55",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "1637358699.90",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "594781000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "0.48%",
          "rating": "D"
        },
        {
          "name": "Profit Margin",
          "value": "0.87%",
          "rating": "C"
        },
        {
          "name": "Gross Margin",
          "value": "60.76%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "10.01%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "113.68%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "2.34%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "-2.64%",
          "rating": "D"
        },
        {
          "name": "Cash Flow Margin",
          "value": "1738.71%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "10.01%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.37",
          "rating": "C"
        },
        {
          "name": "Gearing Ratio",
          "value": "35.16%",
          "rating": "B"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 316.09 | 91/278 | 398.44 | 386.06 | 351.59 |
| PB | 1.55 | 60/278 | 3.00 | 2.79 | 1.89 |
| PS (TTM) | 2.75 | 103/278 | 5.75 | 5.06 | 3.36 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Palantir Tech (PLTR.US) | A | A | B | A | B | A |
| 02 | Appfolio (APPF.US) | A | B | A | A | B | A |
| 03 | Red Violet (RDVT.US) | A | B | B | A | B | A |
| 04 | Sagtec Global (SAGT.US) | B | A | A | A | A | A |
| 05 | CoreCard (CCRD.US) | B | A | A | A | A | A |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-18T04:00:00.000Z

Total Analysts: **16**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 5 | 31% |
| Overweight | 6 | 38% |
| Hold | 5 | 31% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 15.47 |
| Highest Target | 32.00 |
| Lowest Target | 16.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/NCNO.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/NCNO.US/norm.md)
- [Related News](https://longbridge.com/en/quote/NCNO.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/NCNO.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**