US · NCNO
nCino, Inc.
- Sector
- Technology · Software - Application
- Headquarters
- Wilmington, NC 28405
- Website
- ncino.com
Price · as of 2025-01-31
$18.13
Market cap 1.87B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $35.37 | +95.09% |
| Intrinsic Value(DCF) | $9.54 | -47.38% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | $0.00 | $0.00 | |||
| 2020 | $0.00 | $0.00 | |||
| 2021 | $70.60 | $75.15 | $589.22 | $1.89 | $0.00 |
| 2022 | $42.81 | $60.20 | $35.08 | $0.00 | $0.00 |
| 2023 | $24.25 | $37.59 | $14.82 | $0.00 | $0.00 |
| 2024 | $32.17 | $73.27 | $15.62 | $0.00 | $0.00 |
| 2025 | $23.86 | $35.37 | $5.32 | $0.00 | $0.00 |
AI valuation
Our deep-learning model estimates nCino, Inc.'s (NCNO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $35.37
- Current price
- $18.13
- AI upside
- +95.09%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$9.54
-47.38% upside
Graham-Dodd
—
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NCNO | nCino, Inc. | $18.13 | 1.87B | +95% | -47% | — | — | -72.54 | 2.52 | 5.08 | 299.92 | — | -32.47 | 60.07% | -3.35% | -7.01% | -3.54% | -1.52% | -2.57% | 0.22 | -2.07 | 1.20 | 1.06 | 12.14 | -1316.00% | 1345.00% | -90.00% | 1.93% | 0.22 | 4.78% | 0.00% | 0.00% | 0.00% | -157.94 | 54.10 | 5.30 | 3.22 |
| ASAN | Asana, Inc. | $7.10 | 1.68B | +372% | -12% | — | — | -13.96 | 15.68 | 4.93 | -14.68 | — | 15.68 | 89.34% | -36.85% | -35.30% | -92.26% | -468.61% | -27.58% | 1.18 | -72.42 | 1.44 | 1.33 | -0.36 | -513.00% | 1094.00% | -13009.00% | 0.26% | 0.04 | 16.44% | 0.00% | 0.00% | 2.20% | -12.63 | 360.17 | 4.66 | 0.43 |
| BLKB | Blackbaud, Inc. | $48.54 | 2.32B | +89% | -59% | — | -71% | 20.30 | 27.45 | 2.07 | 9.42 | — | -1.89 | 58.59% | 16.91% | 10.19% | 101.27% | 20.44% | 4.71% | 13.16 | 2.62 | 0.79 | 0.71 | 1.26 | -14232.00% | -235.00% | -1065.00% | 11.04% | 0.22 | 31.66% | 0.00% | 0.00% | 38.50% | 14.12 | 10.45 | 2.39 | 1.23 |
| BRZE | Braze, Inc. | $18.99 | 1.94B | +88% | +485% | — | — | -28.51 | 6.25 | 5.00 | -22.67 | — | 6.69 | 69.13% | -20.59% | -17.48% | -22.64% | -227.27% | -12.37% | 0.18 | — | 1.98 | 1.90 | -0.04 | -2273.00% | 2578.00% | -46154.00% | 0.79% | 0.11 | 43.62% | 0.00% | 0.00% | 0.61% | -20.80 | 108.35 | 4.28 | 4.21 |
| DAVE | Dave Inc. | $193.27 | 2.61B | -55% | +1,301% | -80% | -3% | 18.03 | 5.70 | 3.01 | 13.54 | — | 6.16 | 91.25% | 9.97% | 16.67% | 42.84% | 23.64% | 19.51% | 0.41 | 4.33 | 8.05 | 7.59 | 0.34 | -20295.00% | 3396.00% | 39611.00% | 11.96% | 3.57 | 88.95% | 0.00% | 0.00% | 10.89% | 29.73 | 8.24 | 2.96 | 7.21 |
| FRSH | Freshworks Inc. | $7.82 | 2.28B | +342% | +119% | -21% | +92% | 12.80 | 2.28 | 2.80 | 14.21 | — | 2.91 | 84.96% | 1.62% | 21.90% | 16.93% | 7.53% | 11.43% | 0.06 | — | 2.14 | 2.00 | -5.10 | -29688.00% | 1643.00% | 6798.00% | 10.43% | 0.50 | 135.62% | 0.00% | 0.00% | 16.43% | 115.70 | 6.42 | 1.88 | 0.35 |
| INTA | Intapp, Inc. | $22.43 | 1.84B | +113% | +89% | -94% | — | -193.13 | 6.77 | 6.98 | -693.36 | — | 23.02 | 73.98% | -5.43% | -3.61% | -3.50% | -12.28% | -2.04% | 0.03 | — | 1.30 | 1.22 | 63.92 | -4889.00% | 1709.00% | 8812.00% | 3.46% | 0.35 | 54.70% | 0.00% | 0.00% | 0.00% | -117.75 | 26.44 | 6.39 | 5.45 |
| KC | Kingsoft Cloud Holdings L… | $13.48 | 3.72B | -31% | -38% | — | — | -15.49 | 5.93 | 3.94 | -67.90 | — | -231.29 | 17.22% | -22.34% | -25.26% | -32.82% | -24.86% | -12.12% | 1.01 | -7.46 | 0.75 | 0.59 | -5.22 | -1148.00% | 1047.00% | 4316.00% | -9.96% | 0.07 | -43.70% | 0.00% | 0.00% | 0.00% | -19.04 | -10.84 | 4.25 | 0.34 |
| PTRN | Pattern Group Inc. Series… | $10.53 | 1.63B | — | — | -62% | +44% | — | — | — | — | — | — | 43.50% | 4.85% | 3.78% | 19.60% | 29.56% | 11.75% | 0.08 | 889.61 | 2.17 | 1.10 | -1.37 | -112500.00% | 3145.00% | 8495.00% | — | 0.27 | 22.75% | — | 0.00% | — | — | — | — | — |
| VERX | Vertex, Inc. | $14.48 | 2.31B | +436% | -54% | — | -93% | 288.00 | 8.02 | 2.77 | 20.31 | — | -12.03 | 60.73% | -1.05% | 0.96% | 3.29% | -2.81% | 0.59% | 1.39 | — | 0.98 | 0.87 | 0.44 | -11176.00% | 1225.00% | -3003.00% | 3.34% | 0.29 | 26.13% | 0.00% | 0.00% | 0.98% | -270.50 | 30.62 | 2.84 | 1.74 |
| YOU | Clear Secure, Inc. | $48.64 | 4.67B | +10% | +77% | — | +28% | 18.79 | 25.80 | 5.09 | 16.14 | — | 40.83 | 85.81% | 20.70% | 27.09% | 129.75% | -45.91% | 19.53% | 0.00 | — | 1.01 | 0.92 | -0.36 | -2821.00% | 1691.00% | 2096.00% | 7.48% | 0.49 | -84.48% | 2.00% | 37.70% | 7.82% | 20.83 | 11.32 | 4.31 | 3.80 |
About nCino, Inc.
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.
- CEO
- Sean Desmond
- Employees
- 1.83K
- Beta
- 0.56
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($9.54 ÷ $18.13) − 1 = -47.38% (DCF, example).