nCino (NCNO)
Cloud software connecting lending, onboarding, account opening, and mortgage workflows.
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Sells cloud software for lending, client onboarding, deposit-account opening, mortgage, and data connectivity. A bank-origin platform expanded through internal development and acquisitions, serving financial institutions in North America, Europe, and APAC.
Combines lending, client onboarding, deposit-account opening, mortgage, and financial-services data connectivity in a cloud platform for banks, credit unions, and other financial institutions. The original Bank Operating System focused on commercial and small-business lending; later internal development and acquisitions extended it into retail lending, analytics, AI/ML, and client-lifecycle intelligence.
Sales began with U.S. community and regional banks, then expanded to enterprise banks and international markets. Products span North America, Europe, and APAC. Visible Equity, FinSuite, SimpleNexus, DocFox, ILT, FullCircl, and Sandbox Banking broadened the platform. Acquisitions are a recurring platform-expansion mechanism.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 26, 2026 | Truist Financial | Target | Target: $27 | Target: $20 |
| Aug 26, 2026 | Morgan Stanley | Reiterate | Rating: —Target: $36 | Target: $25 |
| Aug 26, 2026 | UBS | Reiterate | Rating: —Target: $36 | Target: $25 |
| Aug 26, 2026 | Needham | Reiterate | Rating: —Target: $45 | Target: $25 |
| Aug 26, 2026 | Barclays | Reiterate | Rating: —Target: $34 | Target: $23 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jul 31, 2026Cash & short-term investments $83.3M · Total debt $338.6M · Total assets $1.57B · Shareholders' equity $929.8M
- Revenue
- $161.0M
- Operating income
- $13.6M
- Net income
- $5.1M
No dividends on record.
| Institutions | 121.97% | 128.97M shares | |
|---|---|---|---|
| 298 holders · as of Jun 30, 2026 | |||
| Insiders | 1.95% | 2.07M shares | |
| 14 holders · as of Sep 17, 2026 | |||
| Strategic holders | 49.34% | 52.17M shares | |
| 3 holders · as of Dec 11, 2024 | |||
| Adds to | 173.26% | ||
105.74M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 173.26%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Insight Holdings Group, LLCStrategic | 37.00% | 39.12M | filed Jan 18, 2022 |
Insight Holdings Group, LLCStrategicdirector, 10 percent owner | 10.36% | 10.96M | filed Dec 11, 2024 |
BlackRock, Inc.Institution | 8.53% | 9.02M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 7.40% | 7.83M | as of Jun 30, 2026 |
Senvest Management, LLCInstitution | 6.93% | 7.33M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 15, 2026 | April Rieger | officer: Chief Lgl. & Admin Ofc., Sec | −6,098 | $21.98 |
| Sep 3, 2026 | Sean Desmond | director, officer: CEO & President | −8,064 | $23.66 |
| Aug 27, 2026 | Jeanette Sellers | officer: SVP of Accounting | −690 | $22.71 |
| Aug 5, 2026 | Sean Desmond | director, officer: CEO & President | −11,815 | $19.53 |
| Aug 4, 2026 | Sean Desmond | director, officer: CEO & President | −28,675 | $19.22 |
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- Q2
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| nCino | $19.82 | −2.97% | $2.24B | 68.1 | 13.7 | 3.6 | +8.2% |
| Intercontinental Exchange | $152.74 | −1.70% | $87.22B | 21.9 | 18.6 | 6.5 | −18.3% |
| FIS | $35.04 | −0.43% | $18.19B | 5.4 | 5.5 | 1.5 | +29.1% |
| Blend Labs | $1.20 | −4.40% | $302.6M | — | 30.6 | 2.3 | +7.3% |
| Q2 | $56.83 | −1.90% | $3.61B | 41.4 | 18.3 | 4.3 | +12.6% |
| Median | 21.9 | 18.4 | 3.3 | +10.0% |