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NCNO

nCino, Inc.
$16.99 +0.01 (+0.06%) At close · Jul 10
Market Cap
$1.86B
Shares
109,552,950

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$16.99 Open$17.33 Day$16.76–17.44 52W$13.80–33.92 Avg vol 30d4.1M Short int20.2M · 18.4% float · 3.9d Short vol63% Last earningsMay 27, 2026 DataJul 2020–Jul 2026 Filing10-Q · May 27
Up next
Next earnings call
Aug 30, 2026 Est · unconfirmed · in 7 wks
FQ2-27 quarter ends
~Jul 31, 2026 Est
filed May 27, 2026
AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Equibles Rating blended score · not investment advice
      Overall
      Sell
      SellHoldBuy
      Technical Neutral Momentum Weak Sentiment Bearish Fundamentals Strong Quant / Vol Very High
      Market backdrop VIX 15 · calm Equity put/call 0.55
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg −17%
      below
      Price vs 50-day avg +6%
      above
      RSI (14) 57
      neutral
      MACD trend Positive
      52-week position 16%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Weak
      1-month return +10%
      trailing
      6-month return −30%
      trailing
      YTD return −34%
      this year
      Relative strength −39%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bearish
      Trend (MA cross) No cross
      50d $16 › 200d $20 — 200d above 50d
      Institutional flow Distributing
      8 of 283 funds reported for Jun 30 · net -62.2K sh shares
      Insider flow Distributing
      Net -$2.0M over 90 days · 100% sells
      Short interest Rising
      18.41% of float · ▲ +18.4% MoM · 3.9 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      283 holders — mid 3-yr range
      Squeeze score 77
      high risk · 0–100
      Fundamentals
      Strong
      Revenue growth +10%
      Y/Y
      Gross margin 61%
      expanding
      EPS growth +115%
      Y/Y
      Free cash flow $82.6M
      Valuation P/E 141.6
      rich
      Buyback $65.0M
      remaining
      Balance sheet $125.1M
      net debt
      Quant / Vol
      risk profile
      Very High
      Volatility 49%
      annualized · 1-yr
      Max drawdown −57%
      past year
      ATR 5.3%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record
      Latest guidance · from the 8-K filed May 27, 2026
      second quarter ending July 31, 2026
      Total revenues Initiated $157.75M – $159.75M
      prior qtr $159.41M midpoint −0.4% QoQ
      Subscription revenues Initiated $140.25M – $142.25M
      Non-GAAP operating income Non-GAAP Initiated $35.5M – $37.5M
      fiscal year 2027 ending January 31, 2027
      Total revenues Initiated $642M – $646M
      prior FY $594.78M midpoint +8.3% Y/Y
      Subscription revenues Initiated $571.5M – $575.5M
      Non-GAAP operating income Non-GAAP Initiated $166M – $171M
      Free Cash Flow Initiated $135M – $140M
      Annual Contract Value (ACV) Initiated $662.5M – $667.5M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −17% Bearish
      Price vs 50-day avg
      +6% Bullish
      RSI (14)
      57 Neutral
      MACD trend
      Positive Bullish
      52-week position
      16% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bearish · 3 of 6
      Trend (MA cross) No cross
      50d $16 › 200d $20 — 200d above 50d
      Institutional flow Distributing
      8 of 283 funds reported for Jun 30 · net -62.2K sh shares
      Insider flow Distributing
      Net -$2.0M over 90 days · 100% sells
      Short interest Rising
      18.41% of float · ▲ +18.4% MoM · 3.9 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      283 holders — mid 3-yr range
      Price context
      position in its 52-week range
      52-wk low $14 Now $17 · 16% 52-wk high $34
      vs 200-day avg -17% vs 50-day avg +6%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Free cash flow non-GAAP $80.8M first quarter of fiscal 2027
      Non-GAAP operating margin non-GAAP 28% first quarter of fiscal year 2027
      ACV transitioned to new platform pricing model 40% Q1 FY2027 call
      Banking Advisor usage growth (May vs October) 38 May vs October call
      customers with initial bundle of intelligence units 200 Q1 FY2027 call
      ACV customers purchasing AI intelligence units 170 end of fiscal 2026 call
      ACV net retention rate 112% fiscal year 2026 call
      ACV net retention rate (fiscal 25 comparative) 106% fiscal year 2025 call
      ACV net retention rate (organic, constant currency) 109% fiscal year 2026 call
      ACV transitioned to platform pricing 38% end of fiscal 2026 call
      countries served 25 fiscal year 2026 call
      customer assets $11 fiscal year 2026 call
      customer count 500 fiscal year 2026 call

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Software - Application — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      NCNO
      nCino, Inc.
      this stock
      $1.86B -33.7% +16.7% 141.6 18.4%
      SAP
      Sap SE
      $186.11B -35.0% 1.0%
      SHOP
      Shopify Inc.
      $159.83B -23.9% +26.1% 120.8 1.6%
      UBER
      Uber Technologies, Inc
      $153.10B -8.8% +18.3% 18.7 2.8%
      CRM
      Salesforce, Inc.
      $133.76B -38.3% +25.9% 18.9 6.2%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      280
      % held
      104.7%
      Reported
      8 of 283
      Top holder
      HMI Capital Management, L…
      Held Float
      View
      Held by Funds
      Fund positions
      258
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      20.2M
      Days to cover
      3.9d
      Change
      +3.1M sh
      View
      Short Volume
      Short vol %
      63%
      As of
      Jul 10, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      203.7K
      Value
      $3.5M
      As of
      Jun 2, 2026
      View
      Off-Exchange
      Off-exchange %
      39.3%
      Week of
      Jun 15, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$2.0M
      Buyers / Sellers
      0 / 5
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $594.8M
      Net income (FY)
      $5.2M
      EPS diluted
      $0.05
      View
      Buybacks
      Authorized
      $100.0M
      Remaining
      $65.0M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jun 22, 2026
      This year
      6
      View
      Proposed Sales
      Value
      $140.9K
      Shares
      8.1K
      Filed
      Jul 6, 2026
      View
      Exempt Offerings
      Offering
      $925.6M
      Filed
      Jan 21, 2022
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jun 3, 2026
      View
      Investor Relations
      Latest news
      Cornerstone First Mortgage Switch…
      Published
      Jul 7, 2026
      Upcoming events
      1
      View

      Performance

      5D 20D 120D MTD YTD
      NCNO -4.3% +10.3% -30.1% +3.9% -33.7%
      SPY +1.4% +4.1% +9.1% +1.1% +10.7%
      vs SPY -5.7% +6.2% -39.1% +2.8% -44.5%

      Capital returns

      Buyback program · as of Apr 30, 2026
      Authorized
      $100.00M
      Spent (derived)
      $35.00M
      Remaining
      $65.00M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1902733 CUSIP 63947X101 13F (30d) 8 filings 8 filers Visit website Investor relations