nCino (NCNO)
Information Technology · Banking and financial services software · NASDAQ
nCino embeds AI-driven intelligence and workflow automation into a unified cloud platform that helps financial institutions consolidate legacy systems and transform lending, account management, and operations.
What nCino does
nCino provides a cloud-based platform that helps financial institutions optimize operations, streamline workflows, and embed AI-driven intelligence across their customer lifecycles. The platform consolidates legacy banking systems and connects previously disconnected functions—from commercial and small business lending to mortgage, consumer banking, account onboarding, and indirect auto lending. Built on Salesforce infrastructure, nCino's solutions deliver automated workflows, intelligent risk management, and process efficiency across institutions of all sizes.
Themes: ["Banking technology / fintech","AI for financial services","Loan origination and management","Digital banking / digital transformation","Cloud-based enterprise software","Risk management and compliance","Workflow automation","Data analytics for banking"]
Fundamentals
- Price$16.98 as of 2026-07-09 close
- Market cap$1.9B as of 2026-07-10
- 1-year return-42.0% as of 2026-07-09 close
- P/E140.30 as of 2026-07-10
- Net margin+2.2% as of 2026-07-10
- Gross margin+61.6% as of 2026-07-10
- ROE+1.3% as of 2026-07-10
- Debt / equity0.32 as of 2026-07-10
- Revenue growth (YoY)+9.6% as of 2026-07-10
- Revenue CAGR (3y)+13.4% SEC XBRL
- Beta0.67 as of 2026-07-10
Key risks (from latest filing)
["Dependence on Salesforce platform infrastructure and technology roadmap for core platform functionality","Competitive pressure from established banking software providers and alternative fintech solutions; market may not adopt nCino's approach at expected pace","Customer concentration risk and potential for large customer losses; long sales cycles and implementation periods create revenue visibility challenges"]
Competitors & peers
- Salesforce Financial Services Cloud (CRM)
- Jack Henry & Associates (JKHY)
- Temenos (TMYY)
- FIS (FIS)
- Fiserv (FISV)
- SS&C Technologies (SSNC)
- Alkami Technology
- Black Knight (acquired by ICE; formerly independent)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.