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Ncino, Inc. Stock: price and insider trades · United States
Ncino, Inc.: what insiders have been doing
Every trade that managers of Ncino, Inc. disclose to SEC (Form 4) is tracked on this page. The company sits in the Technology sector. 14 insiders have disclosed 54 filings since 18 October 2025.
No insider bought on the market over the period, while 5 insiders filed 25 sales totalling €3.4M. One trade stands out by size: a sale of €479k from Desmond Sean, disclosed on 6 August 2026, or 0.033% of market capitalisation.
With 54 filings in twelve months, the company is more active than the median of 19 filings across the 5,812 companies we follow on the same exchange. The full history, which starts in 2021, counts no purchases against 249 sales. On the fundamentals side, the SEC filing (10-K) for the period ending 31 January 2026 lists revenue at 594.8 m USD and net income at 5.2 m USD.
The median gap between a trade and its publication by SEC (Form 4) is 2 days. Section 16 rules allow two business days to file each Form 4. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
Elsewhere in the same sector, our signals recently picked up insider purchases at Core Scientific, Inc./tx and Gitlab Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
406
Thresholds
n/a
Buy Volume
n/a
n/a
Sell Volume
€925M
249 ops. · all time
Who traded when
BuySaleSean Desmond16 sales
Sellers Jeanette15 sales
April Rieger10 sales
Gregory Orenstein8 sales
Horing Jeff7 sales
Pierre Naude7 sales
+4 other insiders
Analyst consensus: bullish or bearish?
Analysts rate Ncino, Inc. Buy (bullish), based on 11 analysts. Average price target: US$24.27.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 16,988 of 24,148 companies
38.0
score / 100
Value33
Quality43
FCF yld3.8%
Earn yld0.2%
EV/EBITDA36.8x
ROE3.9%
Gross mgn61%
Net mgn0.9%
Debt/EBITDA4.2x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2026FY ended January 2026 · cache
US$19.73
Analyst consensus
11 analystsBuy
US$17.00Target US$24.27(+23%)US$28.00
Income statement
RevenueUS$594.8M
Gross profitUS$360.2M61% margin
EBITDAUS$66.4M11% margin
Net incomeUS$5.2M5.4% margin
Valuation
PER (trailing)61.7x
PER (forward)12.5x
P/Book2.2x
Beta0.81
Balance sheet & cash
Market capUS$2.1B
Total debtUS$278.7M
Free Cash FlowUS$82.6M
Debt / Equity36%
Profitability & ownership
ROE3.9%
ROA2.0%
% insiders3.2%
% institutions125.0%
Last declaration on 14 October 2026
Declarations406 total
43,992 shares@ US$4.98Common StockSEC:0001902733-26-000111:0
43,992 shares@ US$19.90Common StockSEC:0001902733-26-000111:1
43,992 shares@ US$19.900.042% mcap10.1% of flowCommonSEC144:0001959173-26-007320
8,064 shares@ US$4.980.0020% mcap0.5% of flowCommon StockSEC:0001902733-26-000109:0
8,064 shares@ US$18.691.9% of flowCommonSEC144:0001959173-26-007260
6,098 shares@ US$21.9830.0081% mcap4.1% of flowCommon StockSEC:0001902733-26-000107:0
6,098 shares@ US$21.98260.0081% mcap4.1% of flowCommonSEC144:0001959173-26-006979
8,064 shares@ US$4.980.0024% mcap0.5% of flowCommon StockSEC:0001902733-26-000105:0
8,064 shares@ US$23.660.011% mcap2.4% of flowCommonSEC144:0001959173-26-006676
690 shares@ US$22.7050.0009% mcap1.1% of flowCommonSEC144:0001959173-26-006491
28,675 shares@ US$19.2180.033% mcap7.1% of flowCommon StockSEC:0001902733-26-000086:0
8,064 shares@ US$4.980.0024% mcap0.5% of flowCommon StockSEC:0001902733-26-000086:1
11,815 shares@ US$19.530.014% mcap3.0% of flowCommon StockSEC:0001902733-26-000086:2
4,677 shares@ US$19.2180.0054% mcap0.7% of flowCommon StockSEC:0001902733-26-000088:0
11,780 shares@ US$19.2180.014% mcap6.6% of flowCommon StockSEC:0001902733-26-000090:0
7,852 shares@ US$19.2180.0091% mcap4.6% of flowCommon StockSEC:0001902733-26-000092:0
887 shares@ US$19.2180.0010% mcap1.2% of flowCommon StockSEC:0001902733-26-000094:0
11,815 shares@ US$19.59040.014% mcap3.0% of flowCommonSEC144:0001959173-26-005644
1,536 shares@ US$19.530.0018% mcap2.1% of flowCommonSEC144:0001959173-26-005647
28,675 shares@ US$19.21810.033% mcap7.1% of flowCommonSEC144:0001959173-26-005621
4,677 shares@ US$19.21810.0054% mcap0.7% of flowCommonSEC144:0001959173-26-005623
11,780 shares@ US$19.21810.014% mcap6.6% of flowCommonSEC144:0001959173-26-005620
7,852 shares@ US$19.21810.0091% mcap4.6% of flowCommonSEC144:0001959173-26-005635
887 shares@ US$19.21810.0010% mcap1.2% of flowCommonSEC144:0001959173-26-005636
8,064 shares@ US$4.980.0024% mcap0.5% of flowCommon StockSEC:0001902733-26-000084:0
25 of 406 declarations
About Ncino, Inc.
nCino, Inc. (NASDAQ: NCNO) is a United States-based enterprise software company headquartered in Wilmington, North Carolina. From an investor’s perspective, the company sits at the intersection of SaaS, fintech, and banking infrastructure, with a focused mission: helping financial institutions modernize mission-critical workflows through a cloud-native platform. Its core market is highly attractive structurally because banks, credit unions, and mortgage lenders continue to replace fragmented legacy systems with integrated digital tools. ([investor.ncino.com](https://investor.ncino.com/news-releases/news-release-details/ncino-reports-fourth-quarter-and-fiscal-year-2025-financial/?utm_source=openai))
Founded in 2011, nCino was originally spun out as an independent company to solve the persistent operational problems facing financial institutions, including siloed data, disconnected business functions, and cumbersome legacy technology. The company initially built traction in commercial and small-business lending among U.S. community and regional banks, then expanded its capabilities into larger enterprise institutions and international markets. That evolution is important: nCino has progressed from a workflow specialist into a broader data, automation, and AI-enabled banking platform provider. ([ncino.com](https://www.ncino.com/en-US/our-company?utm_source=openai))
Read moreShow less
nCino’s principal product is the nCino Platform, delivered primarily on a subscription basis under multi-year contracts. The platform supports banking workflows across onboarding, account opening, commercial lending, consumer lending, small-business lending, mortgage, and portfolio management. The company has increasingly positioned its offering as an end-to-end digital operating layer for financial institutions rather than a single-point software tool. In February 2025, nCino completed the acquisition of Sandbox Banking, which strengthened its integration and data-connectivity capabilities and broadened its platform architecture. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1902733/000190273325000026/ncno-20250131.htm?utm_source=openai))
Competitively, nCino’s edge comes from vertical specialization. Unlike generic enterprise software vendors, it is deeply embedded in banking workflows, where implementation depth, regulatory awareness, and data integration are critical. Management has also sharpened the strategic narrative around AI-powered banking, embedding intelligence across onboarding, lending, and portfolio management to improve efficiency, support risk management, and enhance customer experience. That AI emphasis has become a central part of the company’s market positioning. ([investor.ncino.com](https://investor.ncino.com/news-releases/news-release-details/ncino-unveils-transformative-ai-powered-banking-solutions-nsight?utm_source=openai))
Recent developments suggest solid momentum. For fiscal 2025, total revenue reached $540.7 million, up 13% year over year, with subscription revenue of $469.2 million, up 15%. In the first quarter of fiscal 2026, nCino reported revenue of $144.1 million, also up 13% year over year, and highlighted progress in commercial, consumer, mortgage, and onboarding solutions. At its nSight 2025 conference, the company unveiled new AI-powered product enhancements and launched the nCino Research Institute, reinforcing its effort to combine software, data, and industry analytics. The company also continued capital returns through share repurchases in 2025 and 2026. ([investor.ncino.com](https://investor.ncino.com/news-releases/news-release-details/ncino-reports-fourth-quarter-and-fiscal-year-2025-financial/?utm_source=openai))
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