NCNO

Based on nCino, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does nCino do?

nCino provides cloud-based software to banks, credit unions, and mortgage lenders. Its platform automates loan origination, client onboarding, deposit account opening, and compliance workflows. The company also offers AI-driven analytics through nCino IQ and a digital mortgage experience through SimpleNexus.

Does NCNO pay dividends?

No, nCino does not pay a dividend. The company reinvests capital into growing its platform and expanding its customer base rather than distributing cash to shareholders. Income-focused investors should factor this into their assessment.

When does NCNO report earnings?

nCino reports financial results on a quarterly basis, consistent with standard US-listed company practice. For exact dates and the most recent results, check nCino's official investor relations page.

Is NCNO a good stock to buy?

UQS Score rates NCNO as Below Average, reflecting Weak scores across Quality, Moat, and Risk pillars. Growth and Valuation are both Neutral. The full pillar breakdown — available to Pro members — gives a more detailed view of where the stock stands relative to sector peers.

Is NCNO overvalued?

The UQS Valuation pillar for NCNO is rated Neutral, suggesting the stock is neither clearly cheap nor obviously expensive relative to its growth profile. Whether that represents fair value depends on how the business executes on customer growth and margin improvement going forward.

How does NCNO compare to its competitors?

nCino's closest peers in the UQS universe include Vertex, Inc. and ePlus. nCino is differentiated by its exclusive focus on cloud banking workflows for regulated financial institutions, whereas peers serve broader enterprise markets. See the competitor section above for more context.

What is NCNO's market cap bracket?

nCino is classified as a mid-cap company. This places it above small-cap territory but well below the large-cap and mega-cap thresholds, meaning it carries both growth potential and the volatility typically associated with mid-sized technology businesses.

Who founded nCino?

nCino was founded in 2011. Founding details, including the names of its original leadership team, are publicly available through the company's official website and press archives.

Is NCNO a long-term quality indicator?

As a long-term quality indicator, NCNO's Below Average UQS Score — driven by Weak Quality, Moat, and Risk ratings — suggests the business has not yet demonstrated the durable profitability and competitive advantages typically associated with high-quality long-term holdings. Monitoring improvement across these pillars over time would be the key signal to watch.

What is the main competitive advantage of nCino?

nCino's primary advantage is its deep integration into the compliance-heavy workflows of regulated financial institutions. Switching costs tend to be high once a bank has embedded the platform into its loan origination and onboarding processes. However, the UQS Moat pillar currently rates this advantage as Weak, indicating it has not yet translated into strong financial returns.

Is NCNO a growth stock or value stock?

Based on UQS pillar labels, NCNO leans toward the growth category — it operates in cloud software and is expanding its customer base — but both its Growth and Valuation pillars are rated Neutral. That combination suggests modest expansion expectations are already reflected in the current price.

nCino, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.

nCino, Inc. shows steady but unspectacular growth, typical for mature companies.

nCino, Inc. presents elevated risk with concerns around leverage or financial stability.

nCino, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.

nCino, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for NCNO.

The UQS (Unified Quality Score) for nCino, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses nCino, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether nCino, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.