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NCNO
NCNO
Ncino Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$17.65
+1.09 ▲ +6.58%
🌙 7월 27일 7:34 PM ET (한국 7/28 08:34)
$17.65
+0.00 +0.00%

엔시노(NCNO) is a Technology sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$1.9B
스몰캡
P/E
145.8
고평가 구간
배당수익률
없음
52주 위치
19%
저점 +28% · 고점 -48%
애널리스트
매수
C+
Fundamental health
vs. Software - Application 소형주
수익성 ⓘ
Top 47%
성장 ⓘ
Top 41%
밸류에이션 ⓘ
Top 36%
재무 안정 ⓘ
Top 69%
Index ⓘ RUTP/E ⓘ 145.75EPS (ttm) ⓘ 0.12Insider Own ⓘ 5.25%Shs Outstand ⓘ 108.8MPerf Week ⓘ -1.56%
Market Cap ⓘ 1.93BForward P/E ⓘ 11.82EPS next Y ⓘ 17.26%Insider Trans ⓘ -4.06%Shs Float ⓘ 103.8MPerf Month ⓘ 23%
Enterprise Value ⓘ 2.17BPEG ⓘ 0.7EPS next Q ⓘ 0.27Inst Own ⓘ 109.08%Short Float ⓘ 17.81%Perf Quarter ⓘ -0.17%
Income ⓘ 0.01BP/S ⓘ 3.17EPS this Y ⓘ 19.05%Inst Trans ⓘ -7.58%Short Ratio ⓘ 5.35Perf Half Y ⓘ -27.37%
Sales ⓘ 0.61BP/B ⓘ 1.98EPS next 5Y ⓘ 16.84%ROA ⓘ 0.81%Short Interest ⓘ 18.48MPerf YTD ⓘ -31.16%
Book/sh ⓘ 8.92P/C ⓘ 18.77EPS past 3/5Y ⓘ -ROE ⓘ 1.3%52W High ⓘ -47.97% ($33.92)Perf Year ⓘ -42.69%
Cash/sh ⓘ 0.94P/FCF ⓘ 17.46Sales past 3/5Y ⓘ 13.36% 23.83%ROIC ⓘ 1.03%52W Low ⓘ 27.9% ($13.80)Perf 3Y ⓘ -42.88%
Dividend Est. ⓘ -EV/EBITDA ⓘ 25.75EPS Y/Y TTM ⓘ 148.84%Gross Margin ⓘ 58.24%Volatility(W/M) ⓘ 4.46% 5%Perf 5Y ⓘ -72.15%
Dividend TTM ⓘ -EV/Sales ⓘ 3.56Sales Y/Y TTM ⓘ 9.58%Oper. Margin ⓘ 7%ATR (14) ⓘ 0.89Perf 10Y ⓘ -
Dividend Ex-Date ⓘ -Quick Ratio ⓘ 0.84EPS Q/Q ⓘ 161.22%Profit Margin ⓘ 2.17%RSI (14) ⓘ 56.97Recom ⓘ 1.75
Dividend Gr. 3/5Y ⓘ -Current Ratio ⓘ 0.84Sales Q/Q ⓘ 10.6%SMA20 ⓘ 2.16% ($17.28)Beta ⓘ 0.67Target Price ⓘ $23.17
Payout ⓘ -Debt/Eq ⓘ 0.34Earnings ⓘ 2026/5/27SMA50 ⓘ 9.65% ($16.1)Rel Volume ⓘ 0.82Prev Close ⓘ $16.56
Employees ⓘ 1684LT Debt/Eq ⓘ 0.32EPS/Sales Surpr. ⓘ 21.78% 2.34%SMA200 ⓘ -11.13% ($19.86)Avg Volume(3M) ⓘ 3.46MPrice ⓘ $17.65
IPO ⓘ 2020/7/14Option/Short ⓘ Yes/YesTrades ⓘ 25091Volume ⓘ 2,823,822Change ⓘ 6.58%
Quarterly earnings trend SEC filings · USD
24.7
24.10
25.1*
25.4
25.7
25.10
26.1*
26.4
Revenue Net income 최근 분기: 매출 $159M (YoY +11%) · 순이익 $14M (YoY +145%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Ncino Inc (NCNO) Investment Analysis

What kind of company is Ncino Inc?

엔시노(NCNO) 성장주
Technology · Software - Application
Technology Stocks

A U.S. technology company that provides cloud-based banking software for financial institutions. It offers a platform that integrates loan processing, account opening, and customer management on the cloud, along with AI capabilities, helping financial institutions undergo digital transformation. The company has established itself as a subscription-based cloud software provider specializing in the banking industry.

Learn more about Ncino Inc →
Market Cap
$1.9B
Approx. KRW 2.6 trillion
⚖️ 1% of Samsung Electronics
Market Cap Rank2130
Employees1,684people
IPO2020/07/14
Current Price$17.65 ≈ 24,180원
📌 RUT · NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 5월 27일 (수) · 장 마감 후 EPS +21.8% 매출 +2.3%
🔔 Earnings release 2026년 3월 31일 (화) · 장 마감 후 EPS +72.3% 매출 +1.2%

Is it profitable?

Profitability healthy
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
7.0%
✓ 양호
My positionMid-range
Low range Average High range
Software - Application 소형주 Median 3.1% · Top 39%
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
2.2%
✓ 양호
My positionMid-range
Low range Average High range
Software - Application 소형주 Median 0.5% · Top 45%
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
Gross Margin
Profit after subtracting raw-material costs only (signals product competitiveness)
58.2%
✓ 평균
My positionMid-range
Low range Average High range
Software - Application 소형주 Median 61.3% · Bottom 46%
💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)
ROE
Annual return earned on shareholders' equity (15%+ is strong)
1.3%
✓ 양호
My positionMid-range
Low range Average High range
Technology 소형주 Median 1.2% · Top 50%
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
0.8%
✓ 양호
My positionMid-range
Low range Average High range
Technology 소형주 Median 0.2% · Top 46%
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
1.0%
✓ 양호
My positionMid-range
Low range Average High range
Technology 소형주 Median 0.4% · Top 48%
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
0.34
✓ Healthy debt
My positionMid-range
Low range Average High range
Software - Application Median 0.18
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
0.84
✓ 부진
My positionBottom 25%
Low range Average High range
Software - Application Median 1.69
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
Quick Ratio
Liquid assets excluding inventory, available for immediate use
0.84
✓ 평균
My positionMid-range
Low range Average High range
Software - Application Median 1.58
💡 1.0 이상이면 안전, 0.5 미만이면 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook
Price targets, growth, and valuation are favorable
애널리스트 목표가
$23.17
현재가 대비 +31.3%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
예상 PER (Forward)
11.82배
💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인
PEG (성장 반영 밸류)
0.70
저평가
💡 PEG < 1 — 성장 대비 저렴
내년 EPS 예상 성장률
+17.3%
💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상
5년 EPS 예상 연평균
+16.8%
💡 장기 성장 전망. 15% 이상이면 고성장 기업
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability
Beat estimates in 2 of the last 2 quarters
2
예상 상회
0
예상 부합
0
예상 하회
100%
상회 비율
+47.0%
평균 서프라이즈
2026.05.27
상회
+21.8%
2026.03.31
상회
실적 $0.37 · 예상 $0.21 +72.2%
💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth
Mid-range within the industry
🔮 How much will it grow? (analyst forecasts)
This Year's EPS Outlook
Projected EPS growth rate for this year
+19.1%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 16.2% · Top 46%
Next Year's EPS Outlook
Projected EPS growth rate for next year (analyst consensus)
+17.3%
평균
My positionMid-range
Low range Average High range
성장주 소형주 Median 17.5% · Bottom 49%
5-Year EPS CAGR Outlook
Projected average annual EPS growth over the next 5 years
+16.8%
평균
My positionMid-range
Low range Average High range
성장주 소형주 Median 18.9% · Bottom 39%
📊 How much has it grown? (actual results)
Past 5-Year Revenue
How much revenue grew over the past 5 years
+23.8%
우수
My positionTop 25%
Low range Average High range
성장주 소형주 Median 10.4% · Top 9%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+10.6%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 7.0% · Top 41%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.
New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -140%p below the market
NCNO -72.2% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
-140.5%p
Significantly behind the market
vs Technology (XLK)
-200.0%p
Significantly behind the sector average
1-year basis
vs S&P 500
-58.7%p
Significantly behind the market
vs Technology (XLK)
-75.8%p
Significantly behind the sector average
Rank among peers
5-year return Lower-Mid (lower 45%) Based on 36 peers
1-year return Lower-Mid (lower 36%) Based on 48 peers
Current position within 52-week range
Low (-27.9%p) High (-48.0%p)
Current price is 27.9% above the 52-week low and 48.0% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-25.5%
Annualized volatility
53.9%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢
Current diagnosis · 2026-07-27
Uptrend zone

Current price $17.65 above the midline ($17.28). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡
Current diagnosis · 2026-07-27
Neutral zone — weak trend

MACD 0.274 · Signal 0.378 · Hist -0.104. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢
Current diagnosis · 2026-07-27
Bullish zone

RSI 57.0 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 64.1.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average
Cheap on Vs. Assets, Pricey on Vs. Earnings·Vs. Cash Flow, In line with peers on Vs. Sales
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Pricey
🏢 Vs. Assets Cheap
🧾 Vs. Sales Mid-range
💧 Vs. Cash Flow Pricey
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
145.75x
✓ Very pricey
My positionBottom 5%
Low range Average High range
Software - Application 소형주 median 32.72x · Bottom 1% — expensive within the industry
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
💵 Vs. Earnings
Forward PER Forward Price-to-Earnings Ratio
PER using next year's estimated earnings — reflects growth
11.82x
✓ Fair
My positionMid-range
Low range Average High range
Software - Application 소형주 median 11.42x · Around the industry average
💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
1.98x
✓ Cheap
My positionMid-range
Low range Average High range
Software - Application 소형주 median 2.48x · Around the industry average
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
3.17x
✓ Fair
My positionMid-range
Low range Average High range
Software - Application 소형주 median 2.02x · Around the industry average
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
EV/EBITDA Enterprise Value Multiple
Total enterprise value ÷ operating cash earnings — a benchmark for M&A
25.75x
✓ Pricey
My positionBottom 25%
Low range Average High range
Software - Application 소형주 median 14.20x · Bottom 20% — expensive within the industry
💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
17.46x
✓ Fair
My positionMid-range
Low range Average High range
Software - Application 소형주 median 16.42x · Around the industry average
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$23.17 vs. current price +31.3%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Software - Application 소형주

Who owns it?

Ownership backdrop is unfavorable
Insider modest net selling -4.1% · Institutional net selling -7.6% · Short interest elevated 17.8% · Short interest up +7.3pp over last 90d
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
-4.1%
Insiders net selling
🏦 Institutions (funds & investors)
-7.6%
Institutions net selling
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 109.1%
Institution-led, stable structure
Technology 소형주 Median 55.5%
🧑‍💼 Insiders 5.3%
Meaningful insider stake
Technology 소형주 Median 17.2%
👤 Retail investors (estimated) 0.0%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
17.8%
Somewhat high
Technology 소형주 Median 8.7%
Past 90 days 📈 +7.3%p increase
Short interest days to cover
5.3 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 108.8M주
Float (tradable shares) 103.8M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding NCNO

ETFs with the highest weightings · 10 total shown
TMFS
TMFS
Motley Fool Small-Cap Growth ETF
2.15%
$57M
TOGA
TOGA
Tremblant Global ETF
1.61%
$170M
WCLD
WCLD
WisdomTree Cloud Computing Fund
1.50%
$245M
XSW
XSW
State Street SPDR S&P Software & Services ETF
0.75%
$410M
XITK
XITK
State Street SPDR FactSet Innovative Technology ETF
0.73%
$67M
* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
NCNO NCNO This Stock
$1.9B145.8 ▼2.0 ▲1.3% ▼- +6.6%
AAPL
$4.95T40.8 ▼46.4 ▼141.47% ▲0.32% ▼+1.2%
NVDA
$4.76T30.1 ▲24.4 ▼114.29% ▲0.33% ▼-5.0%
MSFT
$2.89T23.2 ▲7.0 ▼34.01% ▲0.95% ▼+1.9%
TSM
$2.07T28.8 ▲11.2 ▼40.06% ▲1.03% ▼-1.1%
AVGO
$1.82T63.8 ▼20.8 ▼37.28% ▲0.68% ▼+0.4%
Sector Avg-31.13.01.77%1.11%-
📊
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Related News & Content

📖 Company overview
엔시노(NCNO) 뭐하는 회사일까? - 주가 전망·실적·시총·관련주·본사 총정리
엔시노(NCNO)는 금융기관용 클라우드 은행 소프트웨어를 제공하는 미국 기술 기업으로, 구독형 반복 매출과 고객 확장, 은행 디지털 전환과 인공지능 기능에 매출과 주가가 좌우되며 전망과 관련주에 대한 시장의 관심이 높은 종목입니다.
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2026년 미국주식 세금 총정리. 양도소득세 22% 계산법, 배당세 15% 원천징수, 손익통산, 절세 전략까지. 실제 금액 시뮬레이션과 세금 계산기로 내 세금을 직접 확인해보세요.

FAQ

What kind of company is 엔시노(NCNO)?

엔시노(NCNO) belongs to the Technology sector and operates in the Software - Application industry.

What is the market cap of NCNO?

The market cap of NCNO is approximately $1.9B, ranking 2,130 within its sector.

What is the P/E ratio of NCNO?

NCNO has a P/E ratio of approximately 145.8x, which can be used to assess its valuation relative to the Technology sector average.

What is the 52-week high and low for NCNO?

NCNO has recorded a 52-week high of $33.92 and a low of $13.80.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독

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