Insider buying last 90 days
No open-market insider purchases were filed for NCNO in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every NCNO insider filing, plotted on the chart in Gekko.Open NCNO in Gekko
NASDAQ: NCNO
nCino (NCNO) Stock Analysis & Forecast
Oct 12 close
$19.54−0.19 (−1.0%)
Gekko Brief
AI summaryOct 12 closeThis week nCino rolled out several AI-driven product launches, including an AI-powered Loan Officer Productivity Suite for mortgage originators and a partnership with Parlay to integrate AI-native loan intake into its commercial and small business lending platform for SBA lenders. These moves build on the company's broader push into agentic AI tools for banking workflows. Alongside the product news, CEO Sean Desmond sold shares tied to a stock-option exercise under a Rule 10b5-1 trading plan.
nCino shares closed at $19.54, down 1% on the day, sitting between the 50-day average of $20.47 and the 200-day average of $18.52. The GekkoIndex reads 60, placing the stock in the Accumulation zone. The current price sits 22.1% below the Gekko Fair Value estimate of $25.09.
The next earnings report is scheduled for 2 December 2026, after the close, 51 days away and outside a typical 20-trading-day holding window. Over the last 90 days, insider and Congressional activity show no recorded buying or selling signals, and no unusual options activity appears in the last 30 days. Seasonally, the 20 trading days from this point in the calendar have averaged a 3.3% gain over 5 years, with gains in 4 of those years. Analyst consensus among 11 firms stands at 8 buy and 3 hold ratings, with a consensus target of $24.27.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
nCino price vs fair value
Close $19.54200-day averageGekko Fair Value $25.09
nCino quick facts
- Market cap
- $2.14B
- P/E ratio
- 61.5
- Forward P/E
- 24.8
- EPS, TTM
- $0.32
- Revenue, TTM
- $622.2M
- Profit margin
- 5.4%
- Dividend yield
- —
- Beta
- 0.81
- Volume
- 1.03M avg 2.14M
- 1-year return
- −23.4%
- Typical daily move
- ±4.3%
- Typical 20-day move
- ±8.3%
- 50-day average
- $20.47
- 200-day average
- $18.52
- Next earnings
- Dec 2 after close
- Shares outstanding
- 105.7M
nCino swing-trade checklist
nCino scores 4 supportive, 1 mixed and 0 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed0 headwinds
- Trendmixed
Averages disagree
Close $19.54 sits between the 50-day ($20.47) and 200-day ($18.52) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
60, Accumulation
Reading 60 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
22.1% below
Price is 22.1% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 51 days
Next report Dec 2, 2026, 51 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+3.3% on average
From this point in the calendar, the next 20 trading days averaged +3.3% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
nCino stock chart and price history
nCino closed at $19.54 on Oct 12, 2026, −23.4% over the past year, inside a 52-week range of $13.80 to $27.50.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −8.0%
- 3 months
- +11.5%
- 6 months
- +14.1%
- 1 year
- −23.4%
The full NCNO chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open NCNO in Gekko
Follow nCino through every session
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nCino GekkoIndex: the smart money zone
nCino’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 60, in the Accumulation zone, down 1.3 points over five sessions.
60Accumulation
Down 1.3 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 82 | −0.9% | −4.9% | ||
| Accumulation (current zone) | 262 | −0.2% | +1.6% | ||
| Neutral | 305 | +0.1% | −0.9% | ||
| Distribution | 30 | −0.8% | −4.0% | ||
| Selling | 3 | Too few readings yet | |||
Average NCNO share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the NCNO price, zone by zone.Track NCNO in Gekko
Is nCino stock overvalued? Gekko Fair Value
nCino trades 22.1% below Gekko Fair Value of $25.09, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what nCino shares are worth, recalculated every trading day.
$25.09
Gekko Fair Value, Oct 10, 2026
22.1% Undervalued
At the end of Aug 2026 the price was 14.2% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open NCNO in Gekko
nCino insider and Congress trading
No open-market insider purchases were filed for nCino, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in NCNO were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for NCNO, plotted on the chart in Gekko.Open NCNO in Gekko
Buybacks
nCino has been buying back its own shares.
- Latest authorization
- $100.0M, Aug 25, 2026
- Bought back, quarter ended Jul 31, 2026
- $65.58M
- As a share of market cap
- 3.06%
- Trailing four quarters
- $240.2M
From company filings.
Hedge funds and billionaires quarter ended Jun 30
1of the funds Gekko tracks holds NCNO.
0added1opened0trimmed0sold out
Which funds are on each side, name by name.Unlock in Gekko
nCino earnings: next date and track record
nCino reports on Dec 2, 2026, after the close (51 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Dec 2, 2026
Expected after the close, 51 days away
- EPS estimate
- $0.34
- Revenue estimate
- $162.6M
6 of 8reports beat the EPS estimate
±9.6%average move across the report
2 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Mar 31, 2026 AI summary
- What they said
- nCino reported strong Q1 fiscal 2027 results, outperforming guidance across all key metrics with subscription revenue growth accelerating to 12% and non-GAAP operating margin improving to 28%, achieving the Rule of 40. The company launched Banking Adviser, an Agentic operating system with purpose-built AI agents for banking workflows. Over 40% of ACV has transitioned to their new platform pricing model, and 200+ customers have adopted intelligence unit bundles.
- Guidance
- Management did not provide specific numerical guidance in this excerpt, but expressed confidence in continued execution of fiscal 2026 strategic initiatives. The company is prioritizing AI adoption acceleration over near-term monetization by deliberately sizing intelligence unit bundles to encourage experimentation.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Mar 31, 2026 | $0.37 est $0.22 | $149.7M est $147.9M | +14.9% |
| Dec 3, 2025 | $0.31 est $0.21 | $152.2M est $147.4M | −0.4% |
| Aug 26, 2025 | $0.22 est $0.14 | $148.8M est $147.3M | +15.2% |
| May 28, 2025 | $0.16 est $0.16 | $144.1M est $143.2M | −2.4% |
| Apr 1, 2025 | $0.12 est $0.18 | $141.4M est $139.8M | −17.8% |
| Dec 4, 2024 | $0.21 est $0.16 | $138.8M est $137.4M | −10.2% |
| Aug 27, 2024 | $0.14 est $0.13 | $132.4M est $137.4M | −14.2% |
| May 29, 2024 | $0.19 est $0.14 | $128.1M est $126.6M | −1.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
nCino stock forecast and analyst price targets
Analysts’ average 12-month price target for nCino is $24.27, +24.2% from the last close, from 11 firms rating the stock in the last 90 days.
$24.27consensus 12-month target, +24.2% from the last close
Now $19.54Avg $24.27
Low $17High $28
Each firm’s latest rating in the last 90 days: 11 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 12 | KeyBanc | — | — |
| Sep 18 | Morgan Stanley | $25 | +27.9% |
| Aug 26 | Morgan Stanley | $25 | +27.9% |
| Aug 26 | Citizens JMP | $25 | +27.9% |
| Aug 26 | Needham | $25 | +27.9% |
+1.6%average 20-day move after past Accumulation readings
+3.3%average move over the next 20 trading days in the last 5 years
±4.3%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
nCino seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, nCino averaged +3.3% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.4% | 3 of 5 |
| Next 10 trading days | +2.4% | 3 of 5 |
| Next 15 trading days | +6.0% | 3 of 5 |
| Next 20 trading days | +3.3% | 4 of 5 |
| Next 30 trading days | −1.4% | 1 of 5 |
For scale, NCNO’s typical 20-trading-day move in either direction is about 8.3%.
nCino market cap and key statistics
nCino’s market cap is $2.14B, with a P/E ratio of 61.5 and revenue of $622.2M over the last twelve months.
Valuation
- Market cap
- $2.14B
- P/E ratio
- 61.5
- Forward P/E
- 24.8
- EPS, TTM
- $0.32
- Gekko Fair Value
- $25.09
Trading
- Volume
- 1.03M
- Avg volume, 20 days
- 2.14M
- 52-week high
- $27.50
- 52-week low
- $13.80
- Shares outstanding
- 105.7M
Financials
- Revenue, TTM
- $622.2M
- Profit margin
- 5.4%
- Return on equity
- 3.9%
- Quarterly earnings growth, YoY
- +147.6%
Risk and income
- Beta
- 0.81
- Typical daily move
- ±4.3%
- Typical 20-day move
- ±8.3%
nCino stock news this week
Coverage of nCino this week reads positive: 13 positive, 6 neutral and 0 negative headlines.
- nCino launches AI loan officer productivity suite for mortgageStreetInsider, Oct 12
- nCino launches AI productivity suite for mortgage officers By Investing.comInvesting.com Canada, Oct 12
- nCino Brings AI-Powered Guidance and Automation Together in Loan Officer Productivity Suite for MortgageThe Globe and Mail, Oct 12
- Ncino CEO Sean Desmond sells $150,716 of NCNO stock By Investing.comInvesting.com South Africa, Oct 11
- How AI SBA Loan Intake Will Impact nCino (NCNO) InvestorsSimply Wall Street, Oct 10
- Form 144 nCino For: 10 October By Investing.comInvesting.com Australia, Oct 10
nCino peers
nCino’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| MSFTMicrosoft | Neutral | 21.7% above |
| PLTRPalantir Technologies | Distribution | 22.3% above |
| ORCLOracle | Neutral | 24.3% below |
| PANWPalo Alto Networks | Neutral | 21.6% above |
| CRWDCrowdStrike | Neutral | 23.7% above |
| CRMSalesforce | Neutral | 3.6% below |
A peer links to its own page where one exists.
nCino stock FAQ
What is nCino’s market cap?
nCino’s market cap is $2.14B at the Oct 12, 2026 close of $19.54, with 105.7M shares outstanding. The shares trade on a P/E ratio of 61.5.
What is the nCino stock forecast?
The consensus analyst 12-month price target for nCino is $24.27, +24.2% from the last close. Of the 11 firms that rated the stock in the last 90 days, 8 rate it a buy, 3 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is nCino stock overvalued or undervalued?
On Gekko’s estimate nCino is undervalued: the Oct 12, 2026 close of $19.54 is 22.1% below Gekko Fair Value of $25.09. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does nCino report earnings next?
nCino is expected to report on Dec 2, 2026, after the market closes (51 days away). Analysts expect earnings of $0.34 per share on revenue of $162.6M. nCino beat the earnings estimate in 6 of its last 8 reports, moving 9.6% on average across the report.
What is nCino’s 52-week high and low?
nCino’s 52-week high is $27.50 and its 52-week low is $13.80; it closed at $19.54 on Oct 12, 2026, −23.4% over the past year. Over the last five years the shares peaked at $77.36 on Nov 4, 2021.
Is nCino stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 5 items with data read as supportive (gekkoindex, fair value, earnings risk and seasonality), 1 as mixed (trend). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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