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Stock Ratings / Technology / NCNO / news
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Why NCNO Stock surged +2.12% Today — RQD Quant Desk Flash

$23.16 +2.12% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.20

nCino Inc. (NCNO) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $2.40B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NCNO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, nCino Inc. (NASDAQ: NCNO) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $23.16 (+2.12% 1D, market cap $2.40B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 10/20. Across 715 tracked Technology issuers, NCNO ranks #214 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NCNO compare to BLKB and KC in the Technology sector?
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Within the Technology sector (Computer Software: Prepackaged Software), NCNO carries a Roarable C- (60/100 RQD), trailing P/E of N/A, gross margin of 60.6%, and ROIC of 0.2%. By comparison, BLKB (Blackbaud Inc.) holds a C- grade (61/100 RQD, P/E 20.6x, ROIC 13.3%, cap $2.41B) and KC (Kingsoft Cloud Holdings Limited) posts a D- grade (41/100 RQD, P/E N/A, ROIC -9.7%, cap $2.33B). Among the 5-stock peer group, BLKB leads on earnings multiple (20.6x) while BLKB leads on capital efficiency (13.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NCNO?
▼

Per NCNO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-01-31, CIK 0001902733), nCino Inc. generated $594.8M in revenue (+10.0% YoY), $9.7M in net income, and $82.6M in free cash flow against $1.65B in total assets and $213.5M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $23.20 (+0.19%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 13.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510060
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C
Cash (9)Whales (15)SEC (14)Macro (12)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$29 Bull$23 Base$18 Bear
📬 FREE NCNO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NCNO)Realized 20D OHLCV Swing Band: ±8.3%
Deterministic 5-Pillar Attribution (60/100 Composite)
🔍 WHY NCNO SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (±8.3% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+14/20 pts (23% of score)

Altman Z-Score 2.51 (WATCH ZONE (1.8–3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0.6% operating margin leave 11 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$19.71+9.6% Next Q
Q2 (-2Q)
55
Grade C$21.60+6.1% Next Q
Q3 (-1Q)
57
Grade C$22.92+1% Next Q
Current
60
Grade C-$23.16+0.4% Hist 90D α
Trajectory: C- (52) → C- (60)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NCNO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, NCNO faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.68% YoY Shares) — any gross margin slip below 58.1% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.13) or 200D SMA ($18.26) invalidates the momentum regime and cuts Target Base ($23.37) toward Bear Floor ($18.23).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NCNO• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NCNO Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 60%NO 40%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why NCNO Stock surged +2.12% Today — RQD Quant Desk Flash

nCino Inc. (NCNO) surged +2.12% to $23.16, trading at 68% of its 52-week range ($13.8 – $27.5). Solid 60.6% gross margin (0% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 68% of its 52-week range ($13.8 – $27.5) with RSI-14 at 60.6 (BULLISH MOMENTUM).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±8.3% around $23.16 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C- (Hold) backed by 60.6% gross margin and $82.6M annual free cash flow.
Live NCNO Headlines & Catalysts
MARKET WIRESimply Wall St • 1d ago
nCino (Nasdaq:NCNO) - Stock Analysis

Simply Wall St report covering nCino Inc. (NCNO) market action, institutional positioning, and fundamental catalysts.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NCNO Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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NCNO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +28.74%⚡ TESTING RESISTANCE
2026-11-03O $22.45H $23.16L $22.45C $23.16VOL 1.44M
RES: $23.38SUP: $18.95SMA50: $21.13SMA200: $18.26
$24.79$21.90$19.02$16.14$13.26RES $23.38SUP $18.95$23.162026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NCNO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NCNO Butterfly Map → + Track NCNO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +10.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NCNO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NCNO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NCNO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NCNO)

Technology Rank #214 of 715 ⚔️ BLKB vs NCNO Full Matrix →

1. Head-to-Head Technology Peer Comparison (NCNO vs. BLKB, KC, VERX, ASAN)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, nCino Inc. (NCNO) ranks #214 by composite RQD confidence (60/100, grade C-) and #273 by equity capitalization ($2.40B). Within this direct 5-issuer industry benchmark cohort, BLKB leads on earnings valuation at 20.6x trailing P/E, while BLKB leads on capital efficiency and profitability with 13.3% ROIC and 58.8% gross margin. BLKB currently holds the highest overall quantitative score in the immediate peer group at 61/100 (C-) compared with NCNO at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NCNO ACTIVE
nCino Inc.
C- 60/100 — 60.6% 0.2% +2.12% $2.40B Benchmark Subject
BLKB
Blackbaud Inc.
C- 61/100 20.6x 58.8% 13.3% +1.66% $2.41B /blkb-vs-ncno →
KC
Kingsoft Cloud Holdings Limited
D- 41/100 — 15.7% -9.7% +2.19% $2.33B /kc-vs-ncno →
VERX
Vertex Inc. (Class A)
C- 59/100 — 64.3% 0.7% +3.33% $2.49B /verx-vs-ncno →
ASAN
Asana Inc. (Class A)
D+ 52/100 — 89.0% -35.0% -1.51% $2.57B /asan-vs-ncno →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-01-31 • CIK 0001902733 ↗

In its most recent audited fiscal period (FY2025, filed 2026-01-31), nCino Inc. (NCNO) reported GAAP revenue of $594.8M (+10.0% vs. FY2024 revenue of $540.7M , and +24.8% cumulative change since FY2023) , GAAP net income of $9.7M, operating cash flow of $90.1M, and free cash flow of $82.6M (+54.7% YoY). On the balance sheet, NCNO closed FY2025 with $1.65B in total assets against $213.5M in total debt (Altman Z-Score: 2.51, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2026-01-31 $594.8M $9.7M $90.1M $82.6M $1.65B $213.5M
FY2024 (FY) 2025-01-31 $540.7M -$33.0M $55.2M $53.4M $1.61B —
FY2023 (FY) 2024-01-31 $476.5M -$43.5M $57.3M $57.3M — —

3. NCNO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NCNO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, nCino Inc. (NASDAQ: NCNO) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $23.16 (+2.12% 1D, market cap $2.40B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 10/20. Across 715 tracked Technology issuers, NCNO ranks #214 in composite RQD confidence.

How does NCNO compare to BLKB and KC in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), NCNO carries a Roarable C- (60/100 RQD), trailing P/E of N/A, gross margin of 60.6%, and ROIC of 0.2%. By comparison, BLKB (Blackbaud Inc.) holds a C- grade (61/100 RQD, P/E 20.6x, ROIC 13.3%, cap $2.41B) and KC (Kingsoft Cloud Holdings Limited) posts a D- grade (41/100 RQD, P/E N/A, ROIC -9.7%, cap $2.33B). Among the 5-stock peer group, BLKB leads on earnings multiple (20.6x) while BLKB leads on capital efficiency (13.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NCNO?

Per NCNO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-01-31, CIK 0001902733), nCino Inc. generated $594.8M in revenue (+10.0% YoY), $9.7M in net income, and $82.6M in free cash flow against $1.65B in total assets and $213.5M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NCNO trading relative to its 50-day, 200-day, and 52-week technical levels?

NCNO last traded at $23.16 (+2.12% on volume of 1,782,579 shares), positioning the stock +9.61% above its 50-day simple moving average ($21.13) and +26.83% above its 200-day simple moving average ($18.26). Across its 52-week range of $13.80 to $27.50, NCNO sits at the 68.3% percentile with a 14-day RSI of 60.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.3% ($21.24 to $25.08).

Direct Sub-Reports: NCNO RQD Cockpit NCNO 12M Forecast NCNO Earnings & Move NCNO Dividends & DRIP NCNO Insiders & 13F NCNO Whale Options NCNO Profit Sankey NCNO News & Why
ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

NCNO — nCino Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-01-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

nCino Inc. (NCNO) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $23.16 (+2.12% 1D, market capitalization $2.40B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 0.2%, gross margin of 60.6%, operating margin of 0.6%, and free cash flow yield of 3.48%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (14/20): Incorporates a 1.00x equity beta, Altman Z-Score of 2.51, Piotroski F-Score of 8/9, and Debt/Equity of 0.20x.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Technology sector, within the Computer Software: Prepackaged Software industry. The company carries a market capitalization of $2.4B. Per the market data, its gross margin is 60.6%, indicating a high-margin software revenue structure.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2026-01-31), nCino Inc. (NCNO) reported $594.8M in annual revenue (up from $540.7M in FY2024, +10.0% YoY) and $9.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($476.5M revenue, -$43.5M net income) through FY2025, NCNO scaled operating cash flow to $90.1M and free cash flow to $82.6M, backed by $1.65B in total assets against $213.5M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 60/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of 3.48% and institutional whale pillar of 15/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $13.80 – $27.50 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against 0.6% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies are recorded: the supply chain is NONE, with an empty butterfly link set and no proprietary signals. Sector classification is Technology / Computer Software: Prepackaged Software. Sector correlations, upstream suppliers, downstream customers, and 2nd-order bottlenecks are — An investor should note that the absence of mapped links means the source offers no basis for assessing ripple effects from supplier or customer disruptions.

  • Key Question #1: Can NCNO sustain or expand its 0.6% operating margin and 0.2% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $594.8M and free cash flow of $82.6M, how will capital allocation balance growth reinvestment against $213.5M in total debt?
  • Key Question #3: How sensitive is NCNO's equity valuation to Technology capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NCNO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for nCino Inc. (NCNO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NCNO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NCNO Bull vs. Bear Conversation Board — What's Your Call at $23.16?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NCNO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NCNO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $26.08 (+15.0%)
📌 Pinned Debate

The balance sheet and institutional flow pillars score well, with an Altman Z of 2.51, a Piotroski F of 8/9, and Debt/Equity of 0.2, wh

The balance sheet and institutional flow pillars score well, with an Altman Z of 2.51, a Piotroski F of 8/9, and Debt/Equity of 0.2, while revenue grew from $476.5M to $594.8M over two years.. When you look under the hood at NCNO, Fundamental Cash Engine is 9/20 with 60.6% gross margins and 0.2% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (15/20) has been quietly accumulating below $27.50. My 12M target is $26.08.

ArenaChamp_24 🐂 BULL

@MidwestValue Agree on the RQD 60/100 quality, though with 1.0 beta I'm scaling in with half-size at $22.68 and keeping dry powder in case we test $21.09.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $19.05 (-16.0%)
Spot @ $22.68

Returns are minimal, with ROIC at 0.2%, operating margin at 0.6%, and FY 2025 net income of only $9.7M, leaving the cash engine pillar

Careful chasing NCNO at $22.68. Returns are minimal, with ROIC at 0.2%, operating margin at 0.6%, and FY 2025 net income of only $9.7M, leaving the cash engine pillar at 9/20.. Gross margin is 60.6%, but operating margin is 0.6%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $19.05 on multiple compression.

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