Stock Ratings / Technology / NCNO / options

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nCino Inc. (NCNO) Options Positioning, Max Pain & Unusual Sweeps

$22.45 -0.97% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.37

nCino Inc. (NCNO) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $2.37B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $22.37 (-0.36%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 13.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury 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 SNOWFLAKE RADARRw D · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NCNO)Realized 20D OHLCV Swing Band: ±8.9%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY NCNO SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (26% of score)

FRED Regime × Technicals: 63% of 52W Range • RSI-14 at 61.2 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+14/20 pts (24% 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)

Grade C-$19.73+4% Next Q

Q2 (-2Q)

Grade C-$20.51+13% Next Q

Q3 (-1Q)

Grade C$23.17-3.1% Next Q

Current

Grade D+$22.45+0% Hist 90D α

Trajectory: C- (50) → D+ (58)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 58/100 (D+) 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 ($21.06) or 200D SMA ($18.28) invalidates the momentum regime and cuts Target Base ($22.45) toward Bear Floor ($17.51).

🎲 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 58%NO 42%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±8.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (NCNO)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for NCNO.

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NCNO)

✓Walkthrough of NCNO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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NCNO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +28.43%📐 WEDGE COMPRESSION COIL

2026-10-30O $22.45H $22.70L $22.24C $22.45VOL 1.44M

RES: $23.42SUP: $18.84SMA50: $21.06SMA200: $18.28

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #278 of 714 ⚔️ BLKB vs NCNO Full Matrix →

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

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

Across 714 tracked Technology securities in the Roarable RQD universe, nCino Inc. (NCNO) ranks #278 by composite RQD confidence (58/100, grade D+) and #277 by equity capitalization ($2.37B). 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. NCNO currently leads its immediate peer cohort in composite quantitative strength at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NCNO ACTIVE nCino Inc.	D+	58/100	—	60.6%	0.2%	-0.97%	$2.37B	Benchmark Subject
BLKB Blackbaud Inc.	D	51/100	20.6x	58.8%	13.3%	+0.38%	$2.37B	/blkb-vs-ncno →
VERX Vertex Inc. (Class A)	D+	53/100	—	64.3%	0.7%	+0.34%	$2.41B	/verx-vs-ncno →
KC Kingsoft Cloud Holdings Limited	D	45/100	—	15.7%	-9.7%	-5.56%	$2.44B	/kc-vs-ncno →
ASAN Asana Inc. (Class A)	D-	41/100	—	89.0%	-35.0%	-4.17%	$2.58B	/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 2026-11-01, nCino Inc. (NASDAQ: NCNO) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $22.45 (-0.97% 1D, market cap $2.37B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 14/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 10/20. Across 714 tracked Technology issuers, NCNO ranks #278 in composite RQD confidence.

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

Within the Technology sector (Computer Software: Prepackaged Software), NCNO carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of 60.6%, and ROIC of 0.2%. By comparison, BLKB (Blackbaud Inc.) holds a D grade (51/100 RQD, P/E 20.6x, ROIC 13.3%, cap $2.37B) and VERX (Vertex Inc. (Class A)) posts a D+ grade (53/100 RQD, P/E N/A, ROIC 0.7%, cap $2.41B). 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: Established market leader in Technology with deep daily trading liquidity.. 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 $22.45 (-0.97% on volume of 1,821,251 shares), positioning the stock +6.60% above its 50-day simple moving average ($21.06) and +22.81% above its 200-day simple moving average ($18.28). Across its 52-week range of $13.80 to $27.50, NCNO sits at the 63.1% percentile with a 14-day RSI of 61.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.9% ($20.45 to $24.45).

NCNO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is NCNO's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for NCNO.

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