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/NCNO
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nCino Inc

nCino Inc

NCNO
$21.25USD↓-0.84%-0.18 today

MARKET CAP

2.2B

P/E (TTM)

354.2x

FWD P/E

—

DAY RANGE

$21 – $22

52W RANGE

$14
$31

AI Summary

Stalk
StalkMedium

NCNO remains in a Stage 2 advancing environment with an overall uptrend, but recent selling off late-August highs has paused at the 200-day moving average. Momentum indicators (Options Score, RSI) rolling over and a pullback into the 9/20/50 EMAs suggest a short-term consolidation rather than a fresh entry. Medium-term bias stays bullish as price holds above key faster EMAs and the 50-day SMA. With no clear timing edge, deferring entries until support holds or a clear resolution emerges is prudent.

  • ↑Q2 revenue grew 8% YoY to $161 M, driven by subscription growth
  • ↑Non-GAAP operating income rose 36% YoY to $40.8 M
  • ↓Shares trade at a premium versus peers, raising correction risk
Full analysis →

The case for & against

Bull & Bear analysis

Bearish

nCino, Inc. (NASDAQ: NCNO) is an emerging leader in the financial technology sector, providing a cloud-based banking platform that utilizes AI-powered solutions to enhance operational efficiencies in lending and onboarding processes for financial institutions. Positioned at the forefront of the digital transformation in banking, nCino addresses the growing demand for regulatory compliance and enhanced customer experience, critical themes in the rapidly evolving fintech landscape.

Bull says

  • ↑Q2 revenue grew 8% YoY to $161 M, driven by subscription growth
  • ↑Non-GAAP operating income rose 36% YoY to $40.8 M
  • ↑$100 M share buyback underscores management confidence
  • ↑AI features cited in every client conversation, boosting platform traction
  • ↑High institutional ownership (13F score 1.76) supports stock stability
  • ↑Positive sentiment gauge ~59% indicates robust market interest

Bear says

  • ↓Shares trade at a premium versus peers, raising correction risk
  • ↓Profitability score remains negative, underscoring margin pressure
  • ↓Momentum indicators signal selling pressure and weakening sentiment
  • ↓Mortgage segment revenue under pressure amid high interest rates
  • ↓AI monetization not expected to materially impact fiscal 2027 results
  • ↓Elevated short interest highlights bearish positioning

Investment themes with NCNO

Recent IPOs↓ -2.25%

Companies that recently went public

SNOW · PLTR · PTON
FinTech Lending↓ -2.43%

Financial technology companies providing loans

SOFI · COIN · FIS

Earnings Call · Q2 2026 · Mgmt. Guidance

Updated 08-26-2026bullish

Transcript signals

Bull points

  • we have this very unique inflection point in the technology in AI that is available to drive outcomes is something that is driving customer conversations, you know, and pulling forward, as I mentioned, not only renewals, but just interest in how customers can get outcomes that we've always delivered, but now deliver even faster, right, and with better quality.
  • Ultimately, we've got to go execute, right? We have to go get the business, but the business is out there. And as I think we said, we feel good about it. Have not seen this level of deal activity and opportunities, and as I said, in quite some time. So that's encouraging, team focused on execution.
  • we outperformed our guidance ranges for both our revenues and profitability metrics

Bear points

  • We are absolutely seeing signs of reacceleration in the pipeline activity.
  • despite all of the success that you're seeing on GoLives and some of the positive usage trends, the assumption from a revenue contribution basis for banking advisors specifically is that you're still not going to see any revenue from that product this year. Is that correct?
Read full transcript analysis ›