nCino, Inc. (NCNO) fair value analysis
Nasdaq · Updated 2026-10-19
NCNO price how computed
Forward Fair Value verdict
UndervaluedNCNO is trading at more than a 25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $20.51
- Sector
- Technology
- 12-month range
- $14.01–$27.10
- Market cap
- $2.17B
- From 52-week high
- -24.3%
- Shares outstanding
- 106M
- Rank in Technology by discount to fair value
- #164 of 181
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
nCino, Inc. is a software company that provides cloud-based lending and digital banking solutions for financial institutions. The company operates globally, serving banks, credit unions, and other financial services organizations across multiple countries.
NCNO currently ranks #164 of 181 Technology stocks by discount to fair value. It has screened as Undervalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $2.17B
- P/E (trailing)
- 18x
- Revenue (TTM)
- $622M
- Net margin
- 5.4%
- EPS (TTM)
- $1.15
- Gross margin
- 62.6%
- Debt / equity
- 0.36
- Revenue growth (3-yr avg)
- 10.7%
- Shares outstanding
- 106M
Derived indicators how computed
- Quality grade
- B
- Margin trend
- Expanding
- 52-week position
- The lower-middle quarter of its range
- DCF cross-check
- Overvalued
Technicals how computed
- RSI (14-day)
- 48 · neutral
- 50-day average
- $20.55
- 200-day average
- $18.41
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Earnings how computed
- Next earnings report
- 2026-12-02
- Last 8 quarters vs consensus
- 6 beat, 1 missed
- Quarter by quarter
- 2026-07 ▲ beat (+18.2%)
2026-04 ▲ beat (+21.4%)
2026-01 ▲ beat (+72.1%)
2025-10 ▲ beat (+47.6%)
2025-07 ▲ beat (+57.1%)
2025-04 ▬ met (0.0%)
2025-01 ▼ miss (-36.8%)
2024-10 ▲ beat (+31.2%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 10 buy · 4 hold · 0 sell (14 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $24.4
- Target vs last price
- +19.0%
What our data shows for NCNO
- Our model validated 11 trailing price-to-earnings windows for NCNO, built from quarterly earnings records.
- Shares are trading in the middle of their 12-month price range of $14.01–$27.10.
- The 14-day relative strength index sits at a neutral 48.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for NCNO
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent NCNO news
TickrTrends' derived news-sentiment signal for NCNO is currently leaning positive, computed from recent coverage.
- A Look at Ncino Inc (NCNO) After 6.1% Gain -- GF Value $38.94 vs Price $21.60 (gurufocus.com, 2026-10-21)
TickrTrends take: NCNO is currently trading at a significant discount to its GF Value estimate, with the stock priced substantially below the calculated fair value. This gap between the current market price and the estimated intrinsic value aligns with TickrTrends' undervalued verdict for the Technology sector company. Investors focused on valuation metrics should monitor whether the stock continues to trade at this discount or if the price moves closer to the estimated fair value over time. - nCino and Parlay Link Up to Automate SBA Lending Intake with AI (thefintechtimes.com, 2026-10-18)
TickrTrends take: nCino's partnership with Parlay to automate SBA lending intake represents a product expansion that could strengthen its competitive position in the financial services software market. Given TickrTrends' undervalued assessment, investors focused on valuation metrics should monitor whether this AI-driven capability drives customer adoption rates and revenue growth in the coming quarters. The automation offering targets a specific lending workflow that could unlock new revenue streams within the banking and credit union segments that form nCino's core customer base. - Stephens Reinstates Coverage of nCino (NCNO) with Overweight Rating and $26 Price Target (gurufocus.com, 2026-10-15)
TickrTrends take: Stephens' reinstatement of coverage with an Overweight rating suggests analyst confidence in nCino's prospects, which aligns with TickrTrends' Undervalued assessment of the Technology sector company. The $26 price target from Stephens provides a concrete reference point for investors evaluating whether the current market price reflects the company's fundamental value relative to TickrTrends' valuation positioning. Investors focused on valuation metrics should monitor whether trading activity responds to this analyst coverage and track how the stock moves toward or away from both the Stephens target and levels implied by TickrTrends' Undervalued designation.
More NCNO news
- nCino Stock: Healthy Renewals And Modest Valuation (NASDAQ:NCNO) (seekingalpha.com, 2026-10-04)
- Ncino Inc (NCNO) Stock Down 3.5% -- Now Undervalued? GF Score: 74/100 (gurufocus.com, 2026-09-29)
- nCino Adds MCP Layer to Connect AI Agents to Mortgage Suite (thefintechtimes.com, 2026-09-27)
What people are saying
Follow the NCNO conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — TickrTrends' indicators for NCNO show a shift in trend momentum this week. The 50/200-day trend state has moved from uptrend to mixed, reflecting reduced bullish conviction in the near-term price action. Despite this recent moderation in trend strength, the current valuation verdict remains undervalued for the technology sector company.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is NCNO stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), NCNO is trading at more than a 25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is NCNO's TickrTrends verdict?
NCNO's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does NCNO compare to other Technology stocks?
NCNO ranks #164 of 181 Technology stocks in TickrTrends' coverage by discount to fair value.
Is NCNO overbought or oversold?
NCNO's 14-day RSI is in neutral territory - neither overbought nor oversold.
When does NCNO report earnings next?
NCNO's next earnings report is scheduled for 2026-12-02, per the published earnings calendar.
Does NCNO usually beat earnings estimates?
Over its last 8 reported quarters NCNO beat the consensus estimate 6 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about NCNO?
Of 14 analysts covering NCNO, 10 rate it a buy, 4 a hold and 0 a sell - buy-leaning, with a consensus price target of $24.4 (+19.0% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
More in Technology
Head-to-head comparisons
NCNO vs ADBE · NCNO vs ADTN · NCNO vs ALKT · NCNO vs CNXC · NCNO vs FICO