ncno stock: nCino, Inc. Overview

This article explains ncno stock — the Nasdaq-listed shares of nCino, Inc. — covering company background, products, business model, governance, stock data, financial performance, risks, analyst cov...

2024-07-12 02:54:00

By Alex Carter

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nCino, Inc. (NCNO)

ncno stock refers to the Nasdaq-listed equity of nCino, Inc. (ticker: NCNO). This article provides a comprehensive, beginner-friendly guide to nCino’s business, products, governance, financial performance, and stock-related information. Readers will learn what nCino does, how it generates revenue, where to find reliable market data for ncno stock, major risks to consider, and official resources for filings and investor relations. The content is factual, neutral, and cites where to confirm live metrics.

Company overview

nCino is a cloud software company focused on digital banking solutions for financial institutions. The company’s stated mission centers on modernizing bank workflows and customer experiences by delivering a unified Bank Operating System. Headquartered in Wilmington, North Carolina, nCino was founded in the early 2010s and has grown to serve a range of customers from regional and community banks to larger global financial institutions.

nCino’s core offering is its Bank Operating System, a cloud-native platform designed to manage customer onboarding, loan origination, deposit account opening, portfolio management, and analytics. The platform is typically delivered as a software-as-a-service (SaaS) subscription and integrates with banks’ core systems and third-party services.

History

Founding and early years: nCino was established in the early 2010s to apply cloud and workflow automation to banking processes. The company expanded from initial implementations with community banks to broader deployments across commercial and retail banking.
Growth and product evolution: Over the 2010s, nCino broadened its software suite to include loan origination, mortgage lifecycle tools, deposit and account opening modules, and analytics capabilities. The company emphasized integrations with core banking systems and third-party vendors.
Public listing: nCino completed an initial public offering and became a publicly traded company on the Nasdaq exchange under the ticker NCNO. The IPO and subsequent public reporting increased visibility on the company’s financial metrics and customer traction.
Strategic partnerships and expansion: nCino has announced partnerships and customer wins across North America, Europe, and other regions to scale its platform into larger banks and new product areas. For the latest milestone announcements, check the company’s investor relations releases.

Products and services

nCino’s product ecosystem is commonly described as a Bank Operating System. Major application areas include:

Client onboarding and account opening: Digital workflows to onboard retail and commercial customers, with KYC and documentation management.
Loan origination and mortgage solutions: Tools to manage commercial lending, consumer mortgage processing, and loan lifecycle events.
Deposit account servicing: Functionality to open and service checking, savings, and other deposit products.
Treasury and portfolio analytics: Dashboards and reporting for portfolio risk, performance, and regulatory compliance.
Automation and integrations: APIs and connectors to link the nCino platform with bank core systems, credit bureaus, and payment rails.
AI and analytics offerings: Features that apply analytics and automation to underwriting, decisioning, and operational efficiency. Where specialized fintech or third-party AI is used, nCino typically documents those integrations in product literature.

These modules are delivered primarily through subscription licensing and cloud hosting. Professional services often support implementation, customization, and training.

Business model and customers

nCino operates a SaaS-forward business model with recurring subscription revenue complemented by professional services revenue for implementations and custom integrations. Key characteristics:

Revenue streams: Subscription fees for platform usage, professional services and implementation fees, and occasionally transaction or usage-based fees.
Target customers: Regional and community banks, credit unions, mortgage lenders, and larger financial institutions seeking digital transformation.
Go-to-market: Direct sales teams, partnerships with systems integrators and core banking vendors, and customer success organizations to retain and expand accounts.

Customer concentration, contract terms, and multi-year deals can materially affect recurring revenue and revenue visibility; investors typically review company filings for customer concentration disclosures.

Corporate governance and leadership

nCino’s board and executive leadership guide corporate strategy and public reporting. The company’s founder has historically held the CEO role; current leadership roster and board composition are published in the company’s proxy statements and investor relations materials. For up-to-date names and biographies of the CEO, CFO, and board members, refer to the company’s official investor relations disclosures.

Governance practices of interest to investors include the board’s committees (audit, compensation, nominating), executive compensation structure, and disclosure controls.

Stock information

This section summarizes key identifiers and classifications for ncno stock and explains where to retrieve live market data.

Ticker symbol: NCNO
Exchange: Nasdaq
Sector / Industry: Technology / Packaged Software (companies providing software delivered as a service to businesses, in this case financial institutions)

As of the date noted below, check the Nasdaq, Yahoo Finance, or TradingView pages for live quotes and official identifiers like ISIN and CUSIP.

Market capitalization and price data

Market capitalization, share price, and 52-week high/low for ncno stock change continuously during trading hours. For live or same-day verified figures, consult market-data providers.

As of 2026-01-27, according to Nasdaq, ncno stock is listed and quoted on the Nasdaq exchange; live market capitalization and price ranges are available on Nasdaq’s market pages and major financial data providers.

Typical items investors review include market cap (total equity value), 52-week high and low, and intraday price behavior. To obtain current numeric values, use a market-data page or a broker platform that provides real-time or delayed quotes.

Trading statistics

Common trading statistics to track for ncno stock include shares outstanding, public float, average daily volume, and intra-day bid/ask spreads. These metrics inform liquidity and trading cost considerations.

Shares outstanding and float are published in company filings and by data aggregators.
Average daily trading volume and typical bid/ask spreads are visible on live quote services and trading platforms.

For retail investors interested in trading ncno stock, consider platforms that offer Nasdaq equities trading. Bitget supports equity trading services and provides market data tools for research — explore Bitget’s trading interface and learn about order types if you plan to trade publicly listed stocks.

Key financial metrics and valuation

Investors examine several standardized metrics to evaluate software companies like nCino. Typical measures include:

Revenue (trailing twelve months, TTM) and revenue growth rates.
Operating income (or loss), net income (or loss), and margins (gross margin, operating margin).
Earnings per share (EPS) on trailing and forward bases.
Valuation multiples: Price-to-sales (P/S), Price-to-earnings (P/E) where applicable, and enterprise-value-based ratios when debt and cash are material.

Because SaaS companies often prioritize growth over near-term profitability, price-to-sales and revenue growth rates are commonly used to contextualize valuation. For up-to-date numeric metrics for ncno stock, use the company’s latest quarterly report or financial-data services.

Financial performance

nCino’s financial profile typically reflects a SaaS growth company: subscription revenue growth, investment in product and sales, and professional services revenue. Important topics investors watch include revenue growth trends, churn and retention metrics, gross margins, operating leverage, and cash flow.

Revenue trends: Investors examine sequential and year-over-year revenue growth, contract backlog or annual recurring revenue (ARR) disclosures, and customer expansion metrics.
Profitability: Some SaaS businesses operate with operating losses while investing in growth; check whether nCino has moved toward operating profitability or continues to prioritize growth.
Balance sheet: Cash and short-term investments, debt levels, and liquidity metrics indicate the company’s ability to fund operations and growth.

For material events — such as a quarter with a large beat or miss versus consensus, a notable change in guidance, or a major customer win or loss — refer to the company’s earnings releases and management commentary. These are archived on the company’s investor relations site and in SEC filings.

Historical stock performance and notable market events

ncno stock performance over time reflects a combination of company-specific developments (earnings, product updates, customer wins) and broader market dynamics affecting software and financial-sector stocks. Notable moves often coincide with quarterly earnings releases, updates to revenue or ARR guidance, or large contract announcements.

Examples of events investors track include:

Earnings-related price moves: Single-day changes around quarterly reports when revenue or guidance diverges from market expectations.
Product or partnership announcements that affect future revenue streams.
Wider fintech or banking-sector developments that influence sentiment toward companies serving financial institutions.

For a timeline of significant historical events tied to share price, review archived press releases, earnings transcripts, and market commentary from financial news providers.

Analyst coverage and investor sentiment

Institutional analysts and independent research houses may cover ncno stock, publishing ratings such as buy/hold/sell and issuing price targets. Consensus ratings and median price targets are aggregated on financial-data platforms.

Retail investor communities and social platforms (for example, StockTwits and TradingView) can influence short-term sentiment and trading activity. Such communities may generate higher volatility, especially around news events.

When reviewing analyst coverage, note the publication date of reports and whether forecasts are based on management guidance, modeled growth scenarios, or changes in market sizing.

Major investors, institutional ownership and insider activity

Institutional holders and insider transactions are useful signals for many investors. Typical items to review:

Top institutional holders: Mutual funds, ETFs, and asset managers that report equity positions in the company.
Insider activity: Company officers and directors buying or selling shares, which may be reported in SEC Form 4 filings.
Short interest and short ratio: The percentage of float sold short and the days-to-cover metric that can indicate hedging or bearish positioning.

These data points are available in public filings and through financial-data aggregators; they are updated periodically and can change materially over short periods.

Risks and considerations

Readers should consider key risk categories relevant to ncno stock. This is not investment advice, but a summary of commonly discussed risk factors:

Competitive landscape: The market for banking software is competitive, with established enterprise software firms, fintechs, and specialist vendors vying for bank customers.
Execution risk: Challenges in implementing large-scale bank deployments, meeting customer timelines, and managing customization can affect revenue recognition and renewals.
Customer concentration: If a meaningful portion of revenue is sourced from a small number of customers, the loss or downsizing of one account could materially impact results.
Market and macro sensitivity: Bank customers’ capital positions, interest-rate environments, and regulatory changes can influence spending on technology.
Valuation and growth expectations: High-growth software companies can trade at premium multiples. If growth slows or performance misses expectations, equity valuations may re-rate.
Regulatory and compliance risk: Serving regulated financial institutions requires adherence to data protection, privacy, and financial regulations. Failures or compliance lapses can carry reputational and legal consequences.

Company SEC filings and the risk-factor section of annual reports provide an authoritative list of risks identified by management.

Corporate filings, reporting schedule and investor relations

Public-company reporting is centralized in a few primary resources:

SEC filings: Quarterly (Form 10-Q), annual reports (Form 10-K), and current reports (Form 8-K) disclose financials, risk factors, material events, and governance details.
Earnings releases and investor presentations: Provide summarized results, management commentary, and guidance.
Investor relations site: The company’s investor portal hosts press releases, SEC filings, governance materials, and event calendars.

As of 2026-01-27, investors should refer to the investor relations page and the SEC EDGAR database for the most recent filings and the official fiscal-year-end disclosure. The company typically announces quarterly earnings dates in advance on its investor calendar.

References and external links

For live data and primary-source verification, consult the following provider categories and official channels. Note: no external hyperlinks are included in this article; search for these sources by name to reach the respective pages.

Company investor relations and press releases for earnings, product announcements, and governance material.
SEC EDGAR database for Form 10-K, 10-Q, and Form 8-K submissions.
Market-data providers such as Nasdaq, Yahoo Finance, TradingView, and Barchart for quotes, market capitalization, and trading metrics.
Retail-sentiment platforms such as StockTwits and TradingView for community discussion and charting.

As required for context, the following dated reporting statement is provided:

截至 2026-01-27，据 Nasdaq 报道，ncno stock continues to trade on the Nasdaq exchange under the ticker NCNO; live price and market-cap figures are available on Nasdaq’s market-data pages and other financial-data providers.

For the latest quantitative metrics (market cap, 52-week range, average volume, institutional holders, insider filings), check the company’s filings and the market-data services cited above.