nCino (NCNO) Protective Put Calculator

Calculator · free · no signup · NCNO

Price a protective put, zero-cost collar, or put spread on nCino. Annual cost, max loss, upside cap, tax treatment, auto-filled from current NCNO option chain.

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About nCino

nCino (NCNO) is a public Vertical SaaS company, incorporated in Delaware and headquartered in Wilmington, NC.

Equity grants at nCino typically include restricted stock units (RSUs).

nCino, Inc. is a global financial technology company headquartered in Wilmington, North Carolina. The company offers its cloud-based banking software and core banking platform. The nCino Platform is used by banks and credit unions, and enterprise financial institutions.

Source: Wikipedia (CC BY-SA 4.0)

The company grew out of Live Oak Bank in Wilmington, North Carolina and spun out in 2012, selling cloud software that runs commercial loan origination on the Salesforce platform. Banks use it to move underwriting, documentation, and approval workflows off spreadsheets and email. Later additions covered mortgage through the SimpleNexus acquisition and portfolio analytics. Customer concentration is in community and regional banks, which ties growth to their technology budgets and to merger activity that removes customers. Headquarters remain in Wilmington.

Sources: ncino.com · en.wikipedia.org

Equity comp at nCino

  • RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.

Researched 2026-08-17.

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by nCino.

A protective put caps your downside on the NCNO position at a chosen floor; a zero-cost collar pays for that floor by capping the upside. This calculator prices both structures off the current NCNO option chain, with annual cost, max loss, and tax-treatment notes.

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nCino equity questions

How much does it cost to hedge NCNO stock?
The cost of a protective put depends on how far below the current price you set the floor, how long the protection lasts, and NCNO's option-implied volatility. A zero-cost collar lowers that cost by selling away some upside. The calculator above prices both structures off the current NCNO option chain and shows the annual cost, maximum loss, and tax treatment.
Does nCino grant ISOs, NSOs, or RSUs?
Equity compensation at nCino typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Do nCino RSUs use double-trigger vesting?
No. nCino restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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