nCino

Valuation Analysis

About the Company

nCino en bref

nCino (NCNO) is currently trading at 12,92 € with a market capitalization of 1,4 Md €. The trailing P/E ratio stands at 123.33x, with a forward P/E of 9.69x. The 52-week range spans from 12,04 € to 29,60 €; the current price is 56.4% below the yearly high. Year-over-year revenue growth stands at +10.6%. The net profit margin stands at 2.17%.

💰 Dividende

nCino currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Avis des analystes

12 analystes évaluent nCino (NCNO) au consensus : Acheter. L'objectif de cours moyen est de 20,14 €, soit un potentiel de +55.97% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 13,96 € à 24,43 €.

nCino : la thèse d'investissement en détail

nCino (NCNO) operates in the Technology — specifically Software - Application — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Revenue is growing at a healthy 10.6% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 147.6% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. With a gross margin near 61.61%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns.

Le scénario baissier

With a net margin of just 2.17%, the business has little room to absorb cost shocks or pricing pressure — a single bad quarter can swing the company to a loss. A trailing P/E above 50 combined with revenue growth below 20% is a dangerous combination — the market is paying a steep growth multiple for what is, by the data, only moderately fast expansion. Short interest sits at 15.39% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong.

Valorisation en contexte

The EV/EBITDA multiple of 26.07x reflects rich expectations — historically, multiples at this level have proven hard to maintain for more than a few quarters.

À surveiller

• The forward P/E of 9.69x is meaningfully below the trailing 123.33x — analysts expect earnings to step up; the next earnings release is the test.
• The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
• The analyst consensus price target implies 55.97% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Profil de risque

The data points to relatively defensive market behavior, elevated short interest (15.39%).

Trading Data

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