AlphAIAlphAI — Financial news for AI agents
gurufocus.comSEP 292 min read$NCNO

Ncino Inc (NCNO) Stock Down 3.5% -- Now Undervalued? GF Score: 7

Ncino Inc (NCNO) shares fell 3.5% to $17.95. The GF Value™ estimates the stock is 53.4% undervalued at $38.55. NCNO's GF Score™ is 74/100, with strong growth and momentum but weak valuation. Insiders sold $6.9M in shares over the past year. The current P/E ratio is 59.4x, lower than its 5-year median of 136.9x.

Original reporting
gurufocus.com
Published Sep 29, 2026, 10:22 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Sep 30, 2026, 1:19 AM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
About AlphAI AI DeskScoring methodologyReport an issue
AlphAI market briefFinancial news
Primary signal
$NCNO
Neutral
medium confidence
Mentioned
$NCNO
Relevance
4/10
AlphAI data visualization · based on gurufocus.com
Decision brief

The 30-second read

$NCNONeutralLow
01

Why it matters

The piece offers a valuation perspective but no new corporate event; its impact is limited to investor sentiment.

02

Market read

Provides a valuation viewpoint that may affect short‑term trading decisions but lacks fresh material news.

03

What to watch

Potential upcoming earnings or product updates not covered could change the narrative.

Relevance 4/10Novelty 2/10Timing: none

Background

GuruFocus valuation analysis of NCNO, a cloud‑based banking software provider.

Company-level read

Ticker impact

$NCNONeutralMedium confidence
Context

Article highlights NCNO's current price 53% below its GF Value estimate and notes $6.9M insider sales, suggesting valuation concerns and potential upside.

Expected impact

possible modest upside if investors focus on valuation gap, but downside risk from continued insider selling

Evidence & confidence

Undervaluation metric is attractive, yet recent insider sell‑off indicates lack of confidence, leading to uncertain short‑term direction.

Market effects

Sector

Valuation discussion may influence peer fintech stocks but no direct sector impact.

Regional

Limited to US small‑cap market.

Global

Low

Counterpoint

What could challenge this read

Insider selling could signal deeper issues; the valuation gap may be justified.

Key entities

  • company
    Ncino Inc

    US‑listed fintech software provider (ticker NCNO).

Read at source← All news

Related articles

SEP 3
$NCNOHighAI 8/10

nCino raises FY27 revenue guidance to $647M; analysts boost targets

nCino (NCNO) raised its FY27 revenue guidance to $644M-$647M, up from $642M-$646M, after reporting Q2 revenues of $161M, beating estimates. EPS missed at $0.05 vs. $0.06 expected. The company authorized a $100M stock repurchase program. Shares rose 2.5% to $21.33. Analysts raised price targets, with Citizens setting it at $25, Barclays at $23, and Truist at $20.

scanx.trade3 min
SEP 3
$NCNOHighAI 8/10

nCino Expands Buyback as AI Demand Supports Growth

nCino reported Q1 revenue of $161M, up 8% YoY, with subscription revenue rising 10%. GAAP operating margin improved to 8%, and non-GAAP margin reached 25%. The company completed $900B in renewals and expanded AI commitments. nCino also repurchased $65M in shares and announced a new $100M buyback program. Fiscal 2027 guidance includes revenue of $644M-$647M and free cash flow of $137M-$142M, according to FinTech Global.

pymnts.com2 min
SEP 3
$NCNOMed

nCino (NCNO): Banking Software Stock Quietly Rewriting Its Growth Story

nCino (NCNO) reported Q2 2027 earnings beating guidance: revenue up 8% to $161M, subscription revenue up 10% to $143.5M, and free cash flow up 170% to $34M. AI adoption drove contract renewals and expansion, while mortgage business declined due to high interest rates. The company repurchased $165M in shares and raised guidance. NCNO trades at a forward P/E of 14.60.

insidermonkey.com3 min
SEP 1
$NCNOHighAI 8/10

nCino (NCNO) Q2 2027 Earnings Call Transcript

nCino (NCNO) reported Q2 2027 revenues of $161M, up 8% YoY, driven by subscription growth and international expansion. Subscription revenues rose 10% YoY to $143.5M. Non-GAAP operating income increased 36% YoY to $40.8M. Free cash flow surged 170% YoY to $34M. The company raised FY 2027 revenue guidance to $644M-$647M, reflecting 9% growth at the midpoint. Mortgage segment revenues declined 1% YoY due to higher interest rates. The company repurchased 10.2M shares for $165M and authorized an addi

aol.com2 min
AUG 27
$NCNOHighAI 8/10

nCino, Inc. Q2 2027 Earnings Call Summary

nCino reported Q2 2027 earnings, highlighting 12% subscription revenue growth (excluding U.S. mortgage) and 48% of ACV transitioned to new platform pricing. The company renewed 4 top U.S. enterprise customers with ACV increases over 10% and demonstrated AI-driven savings. It anticipates Q4 subscription revenue growth acceleration and raised full-year free cash flow guidance to $137M-$142M. U.S. mortgage revenue declined 1% YoY due to sector consolidation, and FX headwinds impacted non-U.S. reven

yahoo.com2 min
AUG 27
$NCNOMed

Analysts Conflicted on These Technology Names: nCino (NCNO), Semtech (SMTC) and Intuit (INTU)

Analysts from Truist and BMO Capital provided updates on nCino (NCNO), Semtech (SMTC), and Intuit (INTU). NCNO received a Hold rating with a $20.00 target, SMTC a Buy with a $155.00 target, and INTU a Buy with a $412.00 target. Analyst consensus for NCNO is Moderate Buy ($23.20 avg. target), for SMTC is Strong Buy ($199.83 avg. target), and for INTU is Moderate Buy ($385.35 avg. target).

theglobeandmail.com2 min