nCino, Inc. (NCNO) — Stock Score Summary

nCino, Inc. (NCNO) has a MoatMap StockRank of 38/100 based on Quality (43/100), Value (47/100), and Momentum (35/100) factor scores. The current signal is HOLD. nCino provides cloud banking software with high switching costs, but it currently lacks the high ROIC and predictable profitability required by our quality compounder framework. With a quantitative sell signal and valuation headwinds in mid-market banking software, it does not offer an asymmetric risk-reward profile.

nCino, Inc. is a leading cloud-based software provider for financial institutions, offering a comprehensive 'Bank Operating System' that digitizes and streamlines lending, onboarding, and deposit account opening processes. Its enterprise SaaS solution boasts strong integration with Salesforce and serves a growing global customer base of banks and credit unions. nCino is a specialized cloud technology leader, enhancing efficiency and customer experience in the financial services sector.

Key Financial Metrics

Price$15.52
Market Cap$1.7B
P/E (TTM)128.75
P/E (Forward)10.10
Price/Book1.67
Return on Equity1.8%
Return on Invested Capital1.8%
Debt/Equity33.19
Gross Margin61.6%
Operating Margin13.2%
Revenue Growth10.6%
Free Cash Flow$139M

nCino, Inc. operates in the Software - Application industry, part of the Technology sector (United States).

Frequently Asked Questions

What is nCino, Inc.’s (NCNO) StockRank?
MoatMap’s StockRank for nCino, Inc. (NCNO) is 38/100, with a Hold signal. It is a composite of Quality (43), Value (47), and Momentum (35) factor ranks across MoatMap’s 19,000+ stock universe.
Does nCino, Inc. have an economic moat?
nCino, Inc. (NCNO) has a Quality factor score of 43/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is nCino, Inc. a buy, hold, or sell?
MoatMap’s current signal for nCino, Inc. (NCNO) is Hold, based on a StockRank of 38/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is nCino, Inc. in?
nCino, Inc. (NCNO) operates in the Technology sector, specifically the Software - Application industry (United States).
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