Sep 16
NCNO · nCino, Inc.
$22.76
+0.40 (+1.79%)
At close · Nov 13
Return incl. dividend (before tax)
Market Cap
$2.41B
Shares
105.74M
Volume · Nov 13
1.08M
Avg daily vol (3M)
2.18M
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Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$22.76
Open$22.79
Day$22.38–22.91
52W close$14.01–26.29
Avg vol 30d1.7M
Short int17.8M · 16.9% of shares · 9.3d
Short vol38%
Last earningsAug 25, 2026
DataJul 2020–Nov 2026
Filing10-Q · Aug 25
Up next
Dec 1, 2026
Announced
· in 2 wks
Dec 1, 2026
Scheduled
· in 2 wks
Latest documents
2026
Aug 25
Aug 25
Quarterly report
10-Q
FY2027 Q2, ended Jul 31
Quarterly report for FY2027 Q2
AI summary on its way
Revenue $161M
▲ 8.2%
Net income $5.08M
Diluted EPS $0.05
Aug 25
Jun 22
Current report
8-K
Events of Jun 18
Charter or bylaw amendment, or fiscal year change, Shareholder vote results
AI summary on its way
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$622.24M
Trailing 12 months
Net income (TTM)
$33.60M
Trailing 12 months
Revenue growth YoY
+8.2%
Year over year
Operating margin
7.9%
Trailing 12 months
P / E (TTM)
75.9
Trailing earnings · reciprocal yield 1.3%
FCF yield
5.5%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$192.07M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-8.6%
Year over year · fewer shares
Price change (1Y)
-10.7%
Trailing year
Short interest
16.9%
Latest settlement · 9.3 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
AI Brief
Q2 FY27 earnings call · Aug 25, 2026
Q2 FY27
TL;DR. nCino beat Q2 FY27 guidance across revenue, non-GAAP operating income, and free cash flow, and raised its full-year FY27 non-GAAP operating income and free cash flow outlook while authorizing an additional $100M share repurchase, though it trimmed U.S. mortgage subscription revenue guidance for the second half on higher-for-longer rates.
Bullish
- + Q2 non-GAAP operating income was $40.8M (25% margin, up 36% YoY), and full-year FY27 non-GAAP operating income guidance was raised to $171M–$174M (~33% YoY growth, ~500 bps margin expansion at midpoint).
- + Q2 free cash flow was $34M, up 170% YoY, and full-year FY27 free cash flow guidance was raised to $137M–$142M (~69% YoY growth at midpoint).
- + Board authorized an additional $100M share repurchase program after exhausting prior authorizations with $300M repurchased since April 2025.
- + Non-mortgage subscription revenue grew 12% YoY in constant currency with full-year FY27 ex-mortgage guidance implying 12% growth and Q4 acceleration of 400 bps YoY, attributed to AI product innovation.
- + Professional services gross margin turned positive at 3%, up 600 bps YoY from (3%).
Bearish
- − U.S. mortgage subscription revenue guidance for Q3 and Q4 FY27 was cut by ~$700K and ~$1.2M respectively on higher-for-longer rates driving incremental IMB churn.
- − Professional services revenue declined 3% YoY to $17.5M, reflecting prioritization of profitability over growth.
- − U.S. mortgage subscription revenue was $20.6M, down 1% YoY, with the higher-for-longer rate environment pressuring the independent mortgage bank market.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 19.3 · elevated
Equity put/call 0.63
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+25%
above
Price vs 50-day avg
+7%
above
RSI (14)
56
neutral
MACD trend
Negative
52-week position
71%
mid-range
Momentum
relative strength
1-month return
+11%
trailing
6-month return
+49%
trailing
YTD return
−11%
this year
Relative strength
+49%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $21 › 200d $18 — 50d above 200d
Institutional flow
Accumulating
264 of 294 funds reported for Sep 30 · net +6.9M sh shares · +49 new
Insider flow
Distributing
Net -$733.8K over 90 days · 100% sells
Short interest
Falling
16.86% of shares out · ▼ -5.4% MoM · 9.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
294 holders — near 3-yr high, broad support
Squeeze score
73
high risk · 0–100
Fundamentals
Revenue growth
+10%
Y/Y
Gross margin
61%
expanding
EPS growth
+115%
Y/Y
Free cash flow
$82.6M
Valuation
P/E 75.9
rich
Buyback
$200.0M
authorized
Balance sheet
$125.1M
net debt
Quant / Vol
risk profile
Volatility
50%
annualized · 1-yr
Max drawdown
−47%
past year
ATR
3.5%
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 Aug 25, 2026
third quarter ending October 31, 2026
Total revenues
$161.25M – $163.25M
prior qtr $161M
midpoint +0.8% QoQ
Subscription revenues
$143.25M – $145.25M
Non-GAAP operating income
Non-GAAP
$42M – $44M
fiscal year 2027 ending January 31, 2027
Total revenues
Raised
$644M – $647M
May 27, 2026
$642M – $646M
changed to
Aug 25, 2026
$644M – $647M
prior FY $594.78M
midpoint +8.5% Y/Y
Subscription revenues
Raised
$573.5M – $576.5M
May 27, 2026
$571.5M – $575.5M
changed to
Aug 25, 2026
$573.5M – $576.5M
Non-GAAP operating income
Non-GAAP
Raised
$171M – $174M
May 27, 2026
$166M – $171M
changed to
Aug 25, 2026
$171M – $174M
Free Cash Flow
Raised
$137M – $142M
May 27, 2026
$135M – $140M
changed to
Aug 25, 2026
$137M – $142M
Annual Contract Value (ACV) at period end
$662.5M – $667.5M
Previous outlook
earlier release
· from the 8-K filed May 27, 2026
Still-open targets the latest release did not restate under the same label.
Total revenues
· second quarter ending July 31, 2026
$157.75M – $159.75M
Subscription revenues
· second quarter ending July 31, 2026
$140.25M – $142.25M
Non-GAAP operating income
· second quarter ending July 31, 2026
$35.5M – $37.5M
Annual Contract Value (ACV)
· fiscal year 2027 ending January 31, 2027
$662.5M – $667.5M
Guided vs delivered
· last 8 settled
Total revenues
second quarter ending July 31, 2026
guided $157.75M – $159.75M
$161M
Beat +1.4%
Total revenues
fourth quarter ending January 31, 2026
guided $146.75M – $148.25M
$149.67M
Beat +1.5%
Total revenues
fiscal year 2026 ending January 31, 2026
guided $591.9M – $593.4M
$594.78M
Beat +0.4%
Total revenues
third quarter ending October 31, 2025
guided $146M – $148M
$152.16M
Beat +3.5%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+25%
Bullish
Price vs 50-day avg
+7%
Bullish
RSI (14)
56
Neutral
MACD trend
Negative
Bearish
52-week position
71%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $21 › 200d $18 — 50d above 200d
Institutional flow
Accumulating
264 of 294 funds reported for Sep 30 · net +6.9M sh shares · +49 new
Insider flow
Distributing
Net -$733.8K over 90 days · 100% sells
Short interest
Falling
16.86% of shares out · ▼ -5.4% MoM · 9.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
294 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $14
Now $23 · 71%
Range high $26
vs 200-day avg +25%
vs 50-day avg +7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Free cash flow non-GAAP | $34M | second quarter of fiscal 2027 | — |
|
|
|||
GAAP → non-GAAP reconciliationGAAP Net cash provided by operating activities 34.2M
-195K Purchases of property and equipment
= Free cash flow 34M
|
|||
| Free cash flow less principal payments on financing obligations non-GAAP | 114.15M | Six Months Ended July 31, 2026 | — |
| Non-GAAP gross margin non-GAAP | 68% | Six Months Ended July 31, 2026 | — |
| Non-GAAP operating income non-GAAP | 85.34M | Six Months Ended July 31, 2026 | — |
| Non-GAAP Operating Margin non-GAAP | 25% | second quarter of fiscal 2027 | +0.0% |
|
|
|||
| Stock Repurchase Program Authorization | $100M | second quarter of fiscal 2027 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Software - Application — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
NCNO
this stock
nCino, Inc.
|
$2.41B | -11.2% | +10.0% | 75.9 | 16.9% |
|
SAP
Sap SE
|
$271.12B | -3.3% | — | — | 0.2% |
|
QH
QUHUO Ltd
|
$268.05B | +181.9% | +59.7% | — | 0.0% |
|
SHOP
Shopify Inc.
|
$189.23B | -8.6% | +30.1% | 89.2 | 1.5% |
|
CRM
Salesforce, Inc.
|
$179.28B | -17.8% | +25.9% | 19.9 | 3.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NCNO | +0.4% | +11.0% | +49.4% | +0.4% | -11.2% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | -2.2% | +12.1% | +48.9% | +0.5% | -21.9% |
Capital returns
Buyback programs
· 2 active
· as of Aug 25, 2026
Authorized (total)
$200.00M
Spent (derived)
—
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)
252 filings
228 filers
Visit website
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