NCINO INC (NCNO) Fundamental Analysis & Valuation
NASDAQ:NCNO • US63947X1019
Current stock price
17.48 USD
+0.02 (+0.11%)
At close:
17.67 USD
+0.19 (+1.09%)
After Hours:
This NCNO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. NCNO Profitability Analysis
1.1 Basic Checks
- NCNO had positive earnings in the past year.
- NCNO had a positive operating cash flow in the past year.
- NCNO had negative earnings in 4 of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: NCNO reported negative operating cash flow in multiple years.
1.2 Ratios
- NCNO has a Return On Assets (0.31%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 0.49%, NCNO is in the better half of the industry, outperforming 60.29% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 0.81%, NCNO is in line with its industry, outperforming 59.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 0.49% | ||
| ROIC | 0.81% |
ROA(3y)-1.73%
ROA(5y)-3.35%
ROE(3y)-2.34%
ROE(5y)-4.34%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- NCNO has a Profit Margin of 0.87%. This is comparable to the rest of the industry: NCNO outperforms 57.72% of its industry peers.
- NCNO's Operating Margin of 2.32% is fine compared to the rest of the industry. NCNO outperforms 63.60% of its industry peers.
- With a Gross Margin value of 60.76%, NCNO is not doing good in the industry: 60.66% of the companies in the same industry are doing better.
- In the last couple of years the Gross Margin of NCNO has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.32% | ||
| PM (TTM) | 0.87% | ||
| GM | 60.76% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.25%
GM growth 5Y1.33%
2. NCNO Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NCNO is destroying value.
- NCNO has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, NCNO has more shares outstanding
- The debt/assets ratio for NCNO is higher compared to a year ago.
2.2 Solvency
- NCNO has an Altman-Z score of 2.10. This is not the best score and indicates that NCNO is in the grey zone with still only limited risk for bankruptcy at the moment.
- NCNO has a Altman-Z score of 2.10. This is comparable to the rest of the industry: NCNO outperforms 54.78% of its industry peers.
- NCNO has a debt to FCF ratio of 3.21. This is a good value and a sign of high solvency as NCNO would need 3.21 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 3.21, NCNO is in the better half of the industry, outperforming 61.40% of the companies in the same industry.
- A Debt/Equity ratio of 0.25 indicates that NCNO is not too dependend on debt financing.
- NCNO's Debt to Equity ratio of 0.25 is in line compared to the rest of the industry. NCNO outperforms 41.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 3.21 | ||
| Altman-Z | 2.1 |
ROIC/WACC0.07
WACC10.88%
2.3 Liquidity
- NCNO has a Current Ratio of 1.00. This is a bad value and indicates that NCNO is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 1.00, NCNO is doing worse than 76.10% of the companies in the same industry.
- A Quick Ratio of 1.00 indicates that NCNO may have some problems paying its short term obligations.
- NCNO has a worse Quick ratio (1.00) than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1 | ||
| Quick Ratio | 1 |
3. NCNO Growth Analysis
3.1 Past
- NCNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.33%, which is quite impressive.
- Looking at the last year, NCNO shows a quite strong growth in Revenue. The Revenue has grown by 10.01% in the last year.
- Measured over the past years, NCNO shows a very strong growth in Revenue. The Revenue has been growing by 23.83% on average per year.
EPS 1Y (TTM)33.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.33%
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%
3.2 Future
- Based on estimates for the next years, NCNO will show a very strong growth in Earnings Per Share. The EPS will grow by 23.66% on average per year.
- NCNO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.85% yearly.
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y23.66%
EPS Next 5YN/A
Revenue Next Year7.78%
Revenue Next 2Y8.37%
Revenue Next 3Y8.85%
Revenue Next 5YN/A
3.3 Evolution
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. NCNO Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 19.86, which indicates a rather expensive current valuation of NCNO.
- Based on the Price/Earnings ratio, NCNO is valued a bit cheaper than the industry average as 70.96% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of NCNO to the average of the S&P500 Index (26.77), we can say NCNO is valued slightly cheaper.
- NCNO is valuated correctly with a Price/Forward Earnings ratio of 14.63.
- NCNO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 74.26% of the companies in the same industry.
- NCNO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.75, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.86 | ||
| Fwd PE | 14.63 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NCNO is valued a bit cheaper than the industry average as 61.03% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, NCNO is valued a bit cheaper than 65.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.25 | ||
| EV/EBITDA | 38.86 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- NCNO's earnings are expected to grow with 23.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y26.91%
EPS Next 3Y23.66%
5. NCNO Dividend Analysis
5.1 Amount
- NCNO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NCNO Fundamentals: All Metrics, Ratios and Statistics
17.48
+0.02 (+0.11%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Industry Strength6.83
Industry Growth64.6
Earnings (Last)03-31 2026-03-31/amc
Earnings (Next)05-29 2026-05-29
Inst Owners109.84%
Inst Owner Change-1.87%
Ins Owners1.2%
Ins Owner Change-3.57%
Market Cap2.00B
Revenue(TTM)594.78M
Net Income(TTM)5.18M
Analysts77.5
Price Target25.11 (43.65%)
Short Float %11.93%
Short Ratio4.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)20.62%
Min EPS beat(2)-10.67%
Max EPS beat(2)51.91%
EPS beat(4)2
Avg EPS beat(4)23.52%
Min EPS beat(4)-10.67%
Max EPS beat(4)54.77%
EPS beat(8)5
Avg EPS beat(8)16.4%
EPS beat(12)9
Avg EPS beat(12)23.93%
EPS beat(16)13
Avg EPS beat(16)37.55%
Revenue beat(2)1
Avg Revenue beat(2)-2.23%
Min Revenue beat(2)-6.21%
Max Revenue beat(2)1.74%
Revenue beat(4)3
Avg Revenue beat(4)-0.54%
Min Revenue beat(4)-6.21%
Max Revenue beat(4)1.91%
Revenue beat(8)3
Avg Revenue beat(8)-0.82%
Revenue beat(12)3
Avg Revenue beat(12)-0.93%
Revenue beat(16)6
Avg Revenue beat(16)-0.48%
PT rev (1m)-28.57%
PT rev (3m)-29.05%
EPS NQ rev (1m)17.96%
EPS NQ rev (3m)18.28%
EPS NY rev (1m)14.26%
EPS NY rev (3m)14.13%
Revenue NQ rev (1m)1.41%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.86 | ||
| Fwd PE | 14.63 | ||
| P/S | 3.37 | ||
| P/FCF | 24.25 | ||
| P/OCF | 22.23 | ||
| P/B | 1.9 | ||
| P/tB | N/A | ||
| EV/EBITDA | 38.86 |
EPS(TTM)0.88
EY5.03%
EPS(NY)1.19
Fwd EY6.84%
FCF(TTM)0.72
FCFY4.12%
OCF(TTM)0.79
OCFY4.5%
SpS5.19
BVpS9.22
TBVpS-1.38
PEG (NY)0.55
PEG (5Y)N/A
Graham Number13.511 (-22.71%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 0.49% | ||
| ROCE | 1.02% | ||
| ROIC | 0.81% | ||
| ROICexc | 0.86% | ||
| ROICexgc | 21.12% | ||
| OM | 2.32% | ||
| PM (TTM) | 0.87% | ||
| GM | 60.76% | ||
| FCFM | 13.88% |
ROA(3y)-1.73%
ROA(5y)-3.35%
ROE(3y)-2.34%
ROE(5y)-4.34%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.25%
GM growth 5Y1.33%
F-Score7
Asset Turnover0.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 3.21 | ||
| Debt/EBITDA | 4.71 | ||
| Cap/Depr | 17.75% | ||
| Cap/Sales | 1.26% | ||
| Interest Coverage | 0.86 | ||
| Cash Conversion | 160.66% | ||
| Profit Quality | 1593.9% | ||
| Current Ratio | 1 | ||
| Quick Ratio | 1 | ||
| Altman-Z | 2.1 |
F-Score7
WACC10.88%
ROIC/WACC0.07
Cap/Depr(3y)10.85%
Cap/Depr(5y)28.33%
Cap/Sales(3y)0.83%
Cap/Sales(5y)1.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.33%
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y23.66%
EPS Next 5YN/A
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%
Revenue Next Year7.78%
Revenue Next 2Y8.37%
Revenue Next 3Y8.85%
Revenue Next 5YN/A
EBIT growth 1Y177.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year34.87%
EBIT Next 3Y23.98%
EBIT Next 5YN/A
FCF growth 1Y55.98%
FCF growth 3YN/A
FCF growth 5Y76.07%
OCF growth 1Y63.16%
OCF growth 3YN/A
OCF growth 5Y57.75%
NCINO INC / NCNO Fundamental Analysis FAQ
What is the ChartMill fundamental rating of NCINO INC (NCNO) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NCNO.
What is the valuation status for NCNO stock?
ChartMill assigns a valuation rating of 6 / 10 to NCINO INC (NCNO). This can be considered as Fairly Valued.
How profitable is NCINO INC (NCNO) stock?
NCINO INC (NCNO) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for NCNO stock?
The Price/Earnings (PE) ratio for NCINO INC (NCNO) is 19.86 and the Price/Book (PB) ratio is 1.9.
What is the earnings growth outlook for NCINO INC?
The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 35.79% in the next year.