nCino (NASDAQ:NCNO) Releases Q3 2026 Earnings Guidance

nCino (NASDAQ:NCNO) issued an update on its third quarter 2026 earnings guidance on Tuesday morning. The company provided earnings per share (EPS) guidance of 0.200-0.21 for the period, compared to the consensus estimate of 0.194. The company issued revenue guidance of $146.0 million-$148.0 million, compared to the consensus revenue estimate of $146.1 million. nCino also updated its FY 2026 guidance to 0.770-0.800 EPS.

nCino Stock Performance

Shares of NASDAQ:NCNO opened at $32.69 on Thursday. The company’s 50 day moving average price is $28.50 and its two-hundred day moving average price is $27.46. nCino has a 12-month low of $18.75 and a 12-month high of $43.20. The firm has a market cap of $3.79 billion, a PE ratio of -112.72, a PEG ratio of 28.58 and a beta of 0.77. The company has a quick ratio of 1.05, a current ratio of 1.05 and a debt-to-equity ratio of 0.24.

nCino (NASDAQ:NCNO) last announced its earnings results on Tuesday, August 26th. The company reported $0.22 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.14 by $0.08. nCino had a negative net margin of 5.86% and a positive return on equity of 1.17%. The firm had revenue of $148.82 million for the quarter, compared to analyst estimates of $143.17 million. During the same quarter in the prior year, the business posted $0.14 EPS. The business’s revenue was up 12.4% compared to the same quarter last year. nCino has set its FY 2026 guidance at 0.770-0.800 EPS. Q3 2026 guidance at 0.200-0.21 EPS. Equities research analysts predict that nCino will post 0.12 earnings per share for the current year.

Analyst Upgrades and Downgrades

Several research firms recently issued reports on NCNO. JMP Securities increased their price target on shares of nCino from $35.00 to $41.00 and gave the stock a “market outperform” rating in a research report on Wednesday. Bank of America increased their price target on shares of nCino from $34.00 to $38.00 and gave the stock a “neutral” rating in a research report on Wednesday. Morgan Stanley increased their price target on shares of nCino from $33.00 to $35.00 and gave the stock an “equal weight” rating in a research report on Wednesday. Stephens increased their price target on shares of nCino from $24.00 to $28.00 and gave the stock an “equal weight” rating in a research report on Wednesday, May 21st. Finally, Barclays increased their price target on shares of nCino from $31.00 to $37.00 and gave the stock an “overweight” rating in a research report on Wednesday. One investment analyst has rated the stock with a Strong Buy rating, eight have assigned a Buy rating and eleven have assigned a Hold rating to the stock. According to data from MarketBeat, the company presently has an average rating of “Moderate Buy” and a consensus price target of $33.94.

Insider Activity

In related news, CEO Sean Desmond sold 9,550 shares of nCino stock in a transaction on Monday, August 4th. The shares were sold at an average price of $27.45, for a total transaction of $262,147.50. Following the completion of the transaction, the chief executive officer owned 628,603 shares of the company’s stock, valued at $17,255,152.35. This trade represents a 1.50% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available at the SEC website. Also, insider April Rieger sold 3,028 shares of nCino stock in a transaction on Monday, August 4th. The stock was sold at an average price of $27.45, for a total transaction of $83,118.60. Following the transaction, the insider directly owned 240,523 shares of the company’s stock, valued at $6,602,356.35. This represents a 1.24% decrease in their position. The disclosure for this sale can be found here. Insiders sold 21,603 shares of company stock worth $593,002 over the last ninety days. Corporate insiders own 5.70% of the company’s stock.

Hedge Funds Weigh In On nCino

A number of hedge funds have recently bought and sold shares of the company. California State Teachers Retirement System raised its stake in nCino by 2.2% during the second quarter. California State Teachers Retirement System now owns 94,405 shares of the company’s stock worth $2,641,000 after buying an additional 1,987 shares during the last quarter. California Public Employees Retirement System raised its stake in nCino by 3.6% during the second quarter. California Public Employees Retirement System now owns 142,234 shares of the company’s stock worth $3,978,000 after buying an additional 4,955 shares during the last quarter. Captrust Financial Advisors raised its stake in nCino by 10.5% during the second quarter. Captrust Financial Advisors now owns 62,004 shares of the company’s stock worth $1,734,000 after buying an additional 5,906 shares during the last quarter. Woodline Partners LP raised its stake in nCino by 105.3% during the first quarter. Woodline Partners LP now owns 13,227 shares of the company’s stock worth $363,000 after buying an additional 6,783 shares during the last quarter. Finally, Prudential Financial Inc. bought a new position in nCino during the second quarter worth $208,000. Institutional investors own 94.76% of the company’s stock.

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.