nCino Inc (NCNO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
nCino Inc stock (NCNO) is currently trading at $14.42. nCino Inc PS ratio (Price-to-Sales) is 3.00. Analyst consensus price target for NCNO is $33.14. WallStSmart rates NCNO as Sell.
- NCNO PE ratio analysis and historical PE chart
- NCNO PS ratio (Price-to-Sales) history and trend
- NCNO intrinsic value — DCF, Graham Number, EPV models
- NCNO stock price prediction 2025 2026 2027 2028 2029 2030
- NCNO fair value vs current price
- NCNO insider transactions and insider buying
- Is NCNO undervalued or overvalued?
- nCino Inc financial analysis — revenue, earnings, cash flow
- NCNO Piotroski F-Score and Altman Z-Score
- NCNO analyst price target and Smart Rating
nCino Inc
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Smart Analysis
nCino Inc (NCNO) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, institutional own.. Concerns around return on equity and operating margin. Significant fundamental concerns warrant caution or avoidance.
nCino Inc (NCNO) Key Strengths (2)
111.06% of shares held by major funds and institutions
Trading at 1.67x book value, attractively priced
Supporting Valuation Data
nCino Inc (NCNO) Areas to Watch (6)
Company is destroying shareholder value
Company is losing money with a negative profit margin
Very thin margins with limited operational efficiency
Modest revenue growth at 9.60%
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.00x sales
nCino Inc (NCNO) Detailed Analysis Report
Overall Assessment
This company scores 35/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 2 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 2.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Institutional Own., Price/Book. Valuation metrics including Price/Book (1.67) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, Operating Margin. Some valuation metrics including Price/Sales (3.00) suggest expensive pricing. Growth concerns include Revenue Growth at 9.60%, which may limit upside. Profitability pressure is visible in Return on Equity at -1.37%, Operating Margin at 8.15%, Profit Margin at -3.71%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -1.37% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Profit Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NCNO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NCNO's Price-to-Sales ratio of 3.00x trades at a deep discount to its historical average of 17.98x (1th percentile). The current valuation is 96% below its historical high of 73.44x set in Aug 2020, and 1% above its historical low of 2.98x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~6.1x as trailing revenue scaled faster than the stock price.
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Data-driven financial summary for nCino Inc (NCNO) · TECHNOLOGY › SOFTWARE - APPLICATION
The Big Picture
nCino Inc is in a turnaround phase, with management focused on restoring profitability. Revenue reached 586M with 10% growth year-over-year. The company is currently unprofitable, posting a -371.0% profit margin.
Key Findings
Generating 5M in free cash flow and 5M in operating cash flow. Earnings are translating into actual cash generation.
The company is unprofitable with a -371.0% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Sector dynamics: monitor SOFTWARE - APPLICATION industry trends, competitive moves, and regulatory changes that could impact nCino Inc.
Bottom Line
nCino Inc is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(10 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SELLERS, JEANETTE SVP of Accounting | Sell | -2,182 |
| Insider | Type | Shares |
|---|---|---|
NAUDE, PIERRE Director | Buy | +3,516 |
Data sourced from SEC Form 4 filings
Last updated: 8:27:42 AM
About nCino Inc(NCNO)
NASDAQ
TECHNOLOGY
SOFTWARE - APPLICATION
USA
nCino, Inc., a software as a service company, provides cloud-based software applications for financial institutions in the United States and internationally. The company is headquartered in Wilmington, North Carolina.