nCino (NASDAQ:NCNO) Issues Q4 2026 Earnings Guidance

nCino (NASDAQ:NCNO) updated its fourth quarter 2026 earnings guidance on Wednesday. The company provided earnings per share guidance of 0.210-0.220 for the period, compared to the consensus earnings per share estimate of 0.140. The company issued revenue guidance of $146.8 million-$148.3 million, compared to the consensus revenue estimate of $147.4 million. nCino also updated its FY 2026 guidance to 0.900-0.910 EPS.

nCino Stock Performance

nCino stock opened at $24.35 on Friday. nCino has a fifty-two week low of $18.75 and a fifty-two week high of $40.29. The stock’s 50 day simple moving average is $25.51 and its two-hundred day simple moving average is $27.45. The company has a debt-to-equity ratio of 0.24, a quick ratio of 1.03 and a current ratio of 1.03. The stock has a market cap of $2.82 billion, a price-to-earnings ratio of -135.28, a PEG ratio of 16.10 and a beta of 0.53.

nCino (NASDAQ:NCNO) last released its quarterly earnings results on Wednesday, December 3rd. The company reported $0.31 earnings per share for the quarter, beating the consensus estimate of $0.20 by $0.11. The company had revenue of $152.16 million for the quarter, compared to analyst estimates of $147.31 million. nCino had a positive return on equity of 2.26% and a negative net margin of 3.71%.The firm’s revenue was up 9.6% on a year-over-year basis. During the same period in the previous year, the company posted $0.21 earnings per share. nCino has set its FY 2026 guidance at 0.900-0.910 EPS and its Q4 2026 guidance at 0.210-0.220 EPS. As a group, analysts expect that nCino will post 0.12 earnings per share for the current fiscal year.

Analyst Ratings Changes

Several research firms recently commented on NCNO. William Blair raised shares of nCino from a “market perform” rating to an “outperform” rating in a research note on Friday, October 10th. Needham & Company LLC reissued a “buy” rating and issued a $38.00 price target on shares of nCino in a research report on Thursday. Truist Financial lowered their price objective on nCino from $32.00 to $27.00 and set a “hold” rating for the company in a research note on Thursday. JMP Securities lifted their price target on nCino from $35.00 to $41.00 and gave the stock a “market outperform” rating in a research report on Wednesday, August 27th. Finally, Zacks Research upgraded shares of nCino from a “hold” rating to a “strong-buy” rating in a research note on Monday, October 27th. Three equities research analysts have rated the stock with a Strong Buy rating, nine have issued a Buy rating, nine have given a Hold rating and one has assigned a Sell rating to the company. According to data from MarketBeat.com, the stock currently has an average rating of “Moderate Buy” and an average price target of $33.56.

Insider Buying and Selling

In related news, Director Jeff Horing sold 3,889,254 shares of the company’s stock in a transaction on Monday, September 8th. The stock was sold at an average price of $30.00, for a total transaction of $116,677,620.00. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website. Also, CEO Sean Desmond sold 10,006 shares of the business’s stock in a transaction dated Tuesday, November 4th. The shares were sold at an average price of $25.81, for a total value of $258,254.86. Following the sale, the chief executive officer owned 618,597 shares of the company’s stock, valued at approximately $15,965,988.57. This represents a 1.59% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Insiders have sold a total of 3,913,865 shares of company stock valued at $117,312,830 in the last ninety days. Corporate insiders own 5.70% of the company’s stock.

Institutional Investors Weigh In On nCino

Several hedge funds and other institutional investors have recently modified their holdings of the stock. Bank of America Corp DE lifted its position in nCino by 475.1% during the third quarter. Bank of America Corp DE now owns 2,513,686 shares of the company’s stock valued at $68,146,000 after purchasing an additional 2,076,579 shares in the last quarter. Wellington Management Group LLP purchased a new stake in nCino in the 3rd quarter worth approximately $36,962,000. Marshall Wace LLP increased its holdings in nCino by 687.3% in the 3rd quarter. Marshall Wace LLP now owns 1,171,749 shares of the company’s stock worth $31,766,000 after acquiring an additional 1,022,911 shares in the last quarter. Balyasny Asset Management L.P. bought a new stake in nCino during the 2nd quarter worth approximately $26,238,000. Finally, Kennedy Capital Management LLC lifted its holdings in nCino by 234.0% during the third quarter. Kennedy Capital Management LLC now owns 512,885 shares of the company’s stock valued at $13,904,000 after purchasing an additional 359,305 shares in the last quarter. 94.76% of the stock is currently owned by hedge funds and other institutional investors.

About nCino

nCino, Inc, a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System connects financial institution employees, clients and third parties on a single cloud-based platform which include client onboarding, deposit account opening, loan origination, end-to-end mortgage suite, and powerful ecosystem.