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nCino (NCNO.US) Price Target and Rating 2026/2027

23.21
Analysis framework by , founder of TradeDesk · Data: EODHD, official filings (SEC) · Updated
Price history for nCino (NCNO.US) – stock price at 23.21 $, August 2026
nCino stock price – price development 2026. Updated Aug 28, 2026.
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nCino Price Target 2026: Analysts See 2% Upside

The average price target for nCino is $23.64. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 1.87% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is nCino overvalued or undervalued?

nCino is currently fairly valued with a gap of 1.9% relative to the price target.


The current price is $23.21, which places nCino in the fairly valued category. The stock is considered undervalued when the price is below $21.28, and overvalued when the price exceeds $26.00.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For nCino, the fair value range lies between $21.28 and $26.00.


See the full price target analysis for nCino →

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Analyst Ratings for nCino stock in 2026: Hold

16 analysts cover nCino. Analysts are mostly neutral — 62.5% recommend Hold. The average price target is $23.64, which gives an upside of 1.9% from the current price.

Consensus: Hold (3.44/5)
Strong Buy
1 (6.3%)
Buy
5 (31.3%)
Hold
10 (62.5%)
Strong Sell Sell Hold Buy Strong Buy
3.44 out of 5 based on 16 analysts
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About nCino – Software - Application

nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina. Read more about the company

Key Figures for nCino

$ 2.3B Market cap
$ 610M Revenue
Software - Application Industry
173.42 P/E
3.74 P/S
2.36 P/B
USA Listed on exchange
ncino.com Website
Technology Sector

What kind of stock is nCino?

Growth stock

nCino is classified as a growth stock with quarterly earnings growth of 147.6% and strong long-term momentum of 0.0%.

Score Overview for nCino

💰 Value Score 30/100 (Low)
⭐ Quality Score 53/100 (Neutral)
🚀 Momentum Score 37/100 (Low)
📊 Total Score 40/100

⚠️ 2 red flags identified

Our analysis has identified 2 potential risk factors in nCino that investors should be aware of.

⚠️ Weak balance sheet (elevated risk): Altman Z2 is 0.90 – the balance sheet is measurably weaker than average. This is a risk signal based on the numbers, not a bankruptcy prediction.
⚠️ High short interest: 17.3% of the shares are sold short – many professional investors are betting on price declines.

📈 Valuation

nCino trades at a P/E ratio of 173.4, which is above the market average. The forward P/E is 14.6 (92% lower), which suggests the market expects rising earnings. The P/S ratio is 3.7. The P/B ratio is 2.4.

💵 Profitability & Growth

nCino has a profit margin of 2.2% (moderate) and an operating margin of 13.3%. Return on equity (ROE) is 1.8%. Return on assets (ROA) is 1.2%. The latest quarterly earnings grew 147.6% year over year — strong growth.

🏦 Financial Health

The Piotroski score is 7 out of 9 — good financial health. Altman Z2 is 0.90 (weak balance sheet — elevated risk). The debt-to-equity ratio (D/E) is 47.1% — low debt, a solid balance sheet.

🚀 Momentum & Short Interest

Short interest is 17.30% — very high, the market is skeptical.

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nCino Short Selling 2026: 17.3% Sold Short

Very high short interest: 17.3% of the free float
Short % of free float
17.3%
Assessment
Very high short interest
Short squeeze risk
High
Data source
SEC
Updated daily
The stock has a very high share of short selling. Between 10-20% of the freely traded shares are sold short, which points to considerable bearish sentiment. A positive earnings report or unexpectedly good news can trigger a short squeeze with sharp price gains.

What does this mean for you as an investor?
A short interest of 17.3% means that 17.3% of the freely traded shares in nCino have been borrowed and sold by investors betting on falling prices. On positive surprises (e.g. a strong earnings report), short sellers can be forced to buy back shares quickly to close their positions, which can cause a short squeeze with sharp price gains in a short time.

Data is updated daily based on official filings with the SEC.
Short Interest Scale
0% 2% 5% 10% 20%+
Low Moderate High Very High Extreme
▲
17.3%

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When Does nCino Report Earnings?

The next earnings date for nCino is not yet available. Check the company's investor calendar for more information.



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Technical Analysis of nCino 2026 – Signal: Buy

Overall Technical Signal: Buy

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated August 28, 2026.

Technical analysis of nCino (NCNO.US) – RSI 77, MACD positive (bullish), daily candlestick chart August 2026
nCino technical analysis – candlestick chart with RSI and MACD. Updated Aug 28, 2026.

Trend Analysis of nCino, Inc

nCino, Inc is in a short-term uptrend. The price of $23.32 is 16.1% above the 20-day average ($20.09). Medium term, the picture is positive: the price is 28.5% above the 50-day average ($18.15). Long term, the stock is 21.4% above the 200-day average ($19.21), which confirms a long-term uptrend.

Death Cross: The 50-day average (18.15) is below the 200-day average (19.21), which is a classic bearish signal for nCino, Inc.

Is nCino, Inc overbought or oversold?

nCino, Inc has an RSI of 77.4, which places the stock in overbought territory (above 70). Even though the stock is overbought, the broader trend is positive. A short-term pullback is possible, but the trend still supports the price.

MACD Analysis for nCino, Inc

Daily MACD: MACD is positive (1.052), which means the short-term trend is bullish (the 12-day EMA is above the 26-day EMA). MACD is above the signal line (0.870) by 0.182, which confirms rising momentum in the uptrend.

Weekly MACD: MACD5 is negative (-0.029), which indicates a broader bearish long-term trend. MACD5 is above the signal line (-1.000) by 0.971, which suggests the negative long-term momentum is fading – a bigger trend reversal could be ahead.

Overall MACD assessment: The daily and weekly MACD give conflicting signals. The short-term trend is bullish, but the long-term trend is still bearish. Weekly momentum is rising, though, which could signal an upcoming trend reversal.

Risk Profile for nCino, Inc

nCino, Inc has an annual standard deviation of 47.3%, which classifies the stock as medium risk. The price can swing noticeably when the market moves.

Overall Technical Conclusion for nCino, Inc

Trend: Positive. The price trades above SMA50 and SMA200.

MACD trend (zero line): Daily bullish (1.052). Weekly bearish (-0.029).

MACD momentum (signal): Daily rising. Weekly rising.

RSI: 77.4 – overbought.

Technical signal: Buy

The broader trend is positive and MACD supports the picture. Consider buying with a stop-loss below the nearest support level.

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Frequently Asked Questions About nCino stock in 2026

Should you buy nCino stock now?
Yes, the technical signal for nCino is currently BUY. nCino trades at $23.21 as of 8/28/2026. The overall technical signal is: Buy. The technical analysis shows the following: MACD is positive (bullish trend) at 1.052 with rising momentum (signal: 0.870); RSI is at 77.4 (overbought), suggesting the price may have risen too quickly; the stock is in a short-term uptrend (price above the 20-day average); the analyst price target of $23.64 points to 1.9% upside. The stock is in a broader uptrend (above SMA50/SMA200). This is a technical observation based on current data, not investment advice.
What is the price target for nCino stock?
The average analyst price target for nCino is $23.64. The current price is $23.21, which gives an upside of 1.9%. Based on this, the stock is considered fairly valued. The fair value range (±10% of the price target) is between $21.28 and $26.00.
Is nCino a dividend stock?
No, nCino does not currently pay a dividend to shareholders. The company reinvests its profits in growth instead of paying dividends.
What is the risk of nCino stock?
nCino is rated as a stock in the risk category Moderate. the annual standard deviation is 47.3%, which classifies the stock as Moderate. In addition, an RSI of 77.4 signals overbought (elevated risk of a pullback).
Is nCino overvalued?
nCino is considered fairly valued – the price is close to the analyst price target. nCino has the following valuation ratios: a P/E ratio of 173.4 (highly valued), a P/S ratio of 3.7, a P/B ratio of 2.4. The stock trades close to the analyst price target and is considered fairly valued.
Is nCino overbought?
Yes, nCino is overbought with an RSI of 77.4 (above 70). The technical indicators show: RSI is at 77.4 (above the 70 mark), which signals the price is overbought and may have risen too quickly. In addition, the price is 15.5% above the 20-day average (short-term uptrend). In addition, MACD is positive with rising momentum (bullish).
When is the next nCino earnings report?
The date of the next earnings report for nCino has not been published yet. Check the company's investor calendar for updates.
Is nCino shorted?
Yes, nCino is shorted with 17.3% of the free float sold short. This is a very high level of short selling, which points to considerable bearish sentiment. A positive earnings report or unexpectedly good news can trigger a short squeeze with sharp price gains. Data is updated daily based on official filings with the SEC.
Are insiders buying nCino stock?
There is currently no registered insider trading for nCino.
Is nCino a good stock?
Based on our total score, nCino is rated as a mediocre stock with a total score of 40 out of 100. The stock scores around average on value, quality and momentum – it sits near the median in our database. The score is made up of Value: 30/100, Quality: 53/100, Momentum: 37/100. In addition: technical signal: Buy. Whether nCino is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for nCino stock?
The outlook for nCino based on current data: the average analyst price target is $23.64 (+1.9%); the stock is in an uptrend (above SMA50 and SMA200); the P/E ratio is 173.4 (high – the market expects growth). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is nCino stock rising?
nCino is rising right now. The technical indicators show: the price is 15.5% above the 20-day average; MACD is positive with rising momentum (bullish signal); short interest is 17.3% (high – many are betting on a decline). For the latest context, see our technical analysis, insider section and news overview above.
How high can nCino go?
The average analyst price target for nCino is $23.64, which corresponds to a potential gain of 1.9% from the current price of $23.21. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can nCino fall?
We lack enough history to give a specific floor for nCino. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does nCino do?
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the cust... The company belongs to the Technology sector, more specifically the Software - Application industry, is headquartered in USA, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate nCino as an investment.
Did nCino raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from nCino. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history and the news overview above.
Is nCino making money or losing money?
Yes, nCino is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 2.2% — which is modest. The operating margin (profit before interest and taxes) is 13.3%. At a P/E ratio of 173.4, you currently pay 173.4 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can nCino go bankrupt?
The bankruptcy risk of nCino is rated as elevated. Altman Z2 (a model for assessing financial distress) is 0.90 — that places the company in the weak zone. This is a probability based on the numbers, not a verdict — bankruptcy is not imminent. But the balance sheet is measurably weaker than average, so watch the debt, liquidity and possible capital raises. The Piotroski score (financial health 0-9, higher is better) is 7 — which is strong. Debt relative to equity is 47% (low). Remember: models like Altman Z2 are statistical — unexpected shocks (fraud, a sector collapse, lawsuits) can always happen. Spread your portfolio.
Does nCino have a lot of debt?
No, nCino has low debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 47%. For the technology sector, anything below 60% counts as low debt. Tech companies are usually asset-light and need little borrowed capital — anything below 60% counts as low in this sector. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector. Can nCino service its debt? Can service its debt, but it weighs on the company — the interest coverage ratio (how many times earnings can cover interest payments) is 4.7x, and net debt equals 3.1 years of earnings (EBITDA).
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