nCino, Inc.
NCNOTechnologyNASDAQSoftware - Application · Last scanned Oct 26, 2026
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Daily timeframenCino, Inc. nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. The $2.45B market capitalization puts NCNO squarely in mid-cap range for its industry. 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.
Market Cap
$2.45B
Beta
0.81
P/E (TTM)
72.41
P/E (Fwd)
14.66
EPS (TTM)
$0.32
EPS (Fwd)
$1.58
ROE
3.9%
ROA
2.0%
Cash
$83.3M
Total Debt
$338.6M
Free CF
$151.5M
52W Change
-14.5%
Annual Financials
Cash vs Debt
Where NCNO stands vs its 150-day and 200-day moving averages
As of the October 14, 2026 close, NCNO finished 10.54% above its 150-day moving average ($17.83) and 6.60% above its 200-day moving average ($18.49). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is NCNO overbought or oversold?
At the October 14, 2026 close, NCNO's RSI(14) was 53.6, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $83.3M in cash, though total debt stands at $338.6M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Free cash flow comes in at $151.5M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 3.9% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $273.9M (2022) to $594.8M (2026), reflecting a 117% increase over the period.
At over 50x earnings, NCNO carries valuation risk — any slowdown in growth expectations could lead to meaningful price adjustments. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing NCNO.