24.25 USD
-0.04 (-0.16%)
24.25 USD
0 (0%)
NCNO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 277 industry peers in the Software industry. The financial health of NCNO is average, but there are quite some concerns on its profitability. NCNO is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- NCNO had positive earnings in the past year.
- NCNO had a positive operating cash flow in the past year.
- In the past 5 years NCNO always reported negative net income.
- In multiple years NCNO reported negative operating cash flow during the last 5 years.
1.2 Ratios
- NCNO has a Return On Assets of -1.39%. This is comparable to the rest of the industry: NCNO outperforms 51.99% of its industry peers.
- NCNO's Return On Equity of -2.09% is in line compared to the rest of the industry. NCNO outperforms 55.96% of its industry peers.
- NCNO's Return On Invested Capital of 0.31% is in line compared to the rest of the industry. NCNO outperforms 58.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.39% | ||
| ROE | -2.09% | ||
| ROIC | 0.31% |
ROA(3y)-4.42%
ROA(5y)-4.85%
ROE(3y)-5.85%
ROE(5y)-6.34%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- NCNO has a Operating Margin of 0.90%. This is comparable to the rest of the industry: NCNO outperforms 59.93% of its industry peers.
- NCNO has a worse Gross Margin (60.33%) than 62.82% of its industry peers.
- In the last couple of years the Gross Margin of NCNO has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.9% | ||
| PM (TTM) | N/A | ||
| GM | 60.33% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.42%
GM growth 5Y2.3%
2. Health
2.1 Basic Checks
- NCNO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, NCNO has more shares outstanding
- The number of shares outstanding for NCNO has been increased compared to 5 years ago.
- NCNO has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 3.25 indicates that NCNO is not in any danger for bankruptcy at the moment.
- NCNO's Altman-Z score of 3.25 is fine compared to the rest of the industry. NCNO outperforms 63.54% of its industry peers.
- The Debt to FCF ratio of NCNO is 4.27, which is a neutral value as it means it would take NCNO, 4.27 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 4.27, NCNO is in line with its industry, outperforming 59.93% of the companies in the same industry.
- A Debt/Equity ratio of 0.24 indicates that NCNO is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.24, NCNO is in line with its industry, outperforming 42.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 3.25 |
ROIC/WACC0.03
WACC11.09%
2.3 Liquidity
- NCNO has a Current Ratio of 1.01. This is a normal value and indicates that NCNO is financially healthy and should not expect problems in meeting its short term obligations.
- With a Current ratio value of 1.01, NCNO is not doing good in the industry: 74.37% of the companies in the same industry are doing better.
- A Quick Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
- NCNO's Quick ratio of 1.01 is on the low side compared to the rest of the industry. NCNO is outperformed by 73.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 8.00% over the past year.
- The Revenue has grown by 12.14% in the past year. This is quite good.
- The Revenue has been growing by 31.37% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)8%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%47.62%
Revenue 1Y (TTM)12.14%
Revenue growth 3Y25.44%
Revenue growth 5Y31.37%
Sales Q2Q%9.63%
3.2 Future
- The Earnings Per Share is expected to grow by 24.40% on average over the next years. This is a very strong growth
- NCNO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.23% yearly.
EPS Next Y39.79%
EPS Next 2Y25.97%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue Next Year9.78%
Revenue Next 2Y8.82%
Revenue Next 3Y9.23%
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. Valuation
4.1 Price/Earnings Ratio
- NCNO is valuated quite expensively with a Price/Earnings ratio of 29.94.
- 62.45% of the companies in the same industry are more expensive than NCNO, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, NCNO is valued at the same level.
- NCNO is valuated rather expensively with a Price/Forward Earnings ratio of 23.15.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 66.43% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, NCNO is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.94 | ||
| Fwd PE | 23.15 |
4.2 Price Multiples
- NCNO's Enterprise Value to EBITDA ratio is in line with the industry average.
- NCNO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 46.57 | ||
| EV/EBITDA | 62.06 |
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.
- A more expensive valuation may be justified as NCNO's earnings are expected to grow with 24.40% in the coming years.
PEG (NY)0.75
PEG (5Y)N/A
EPS Next 2Y25.97%
EPS Next 3Y24.4%
5. Dividend
5.1 Amount
- NCNO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
24.25
-0.04 (-0.16%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)12-03 2025-12-03/amc
Earnings (Next)04-02 2026-04-02/amc
Inst Owners114.07%
Inst Owner Change0.04%
Ins Owners1.23%
Ins Owner Change-0.34%
Market Cap2.78B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target35.39 (45.94%)
Short Float %10.67%
Short Ratio6.04
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)2
Avg EPS beat(2)53.34%
Min EPS beat(2)51.91%
Max EPS beat(2)54.77%
EPS beat(4)2
Avg EPS beat(4)17.04%
Min EPS beat(4)-36.6%
Max EPS beat(4)54.77%
EPS beat(8)6
Avg EPS beat(8)26.96%
EPS beat(12)10
Avg EPS beat(12)40.14%
EPS beat(16)14
Avg EPS beat(16)38.49%
Revenue beat(2)2
Avg Revenue beat(2)1.83%
Min Revenue beat(2)1.74%
Max Revenue beat(2)1.91%
Revenue beat(4)3
Avg Revenue beat(4)0.62%
Min Revenue beat(4)-1.59%
Max Revenue beat(4)1.91%
Revenue beat(8)3
Avg Revenue beat(8)-0.38%
Revenue beat(12)4
Avg Revenue beat(12)-0.21%
Revenue beat(16)7
Avg Revenue beat(16)0.29%
PT rev (1m)-2.59%
PT rev (3m)-3.74%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)9.49%
EPS NY rev (1m)15.24%
EPS NY rev (3m)15.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)0.89%
Revenue NY rev (3m)0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.94 | ||
| Fwd PE | 23.15 | ||
| P/S | 4.74 | ||
| P/FCF | 46.57 | ||
| P/OCF | 41.44 | ||
| P/B | 2.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 62.06 |
EPS(TTM)0.81
EY3.34%
EPS(NY)1.05
Fwd EY4.32%
FCF(TTM)0.52
FCFY2.15%
OCF(TTM)0.59
OCFY2.41%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.75
PEG (5Y)N/A
Graham Number12.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.39% | ||
| ROE | -2.09% | ||
| ROCE | 0.39% | ||
| ROIC | 0.31% | ||
| ROICexc | 0.33% | ||
| ROICexgc | 8.13% | ||
| OM | 0.9% | ||
| PM (TTM) | N/A | ||
| GM | 60.33% | ||
| FCFM | 10.18% |
ROA(3y)-4.42%
ROA(5y)-4.85%
ROE(3y)-5.85%
ROE(5y)-6.34%
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 3Y0.42%
GM growth 5Y2.3%
F-Score5
Asset Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.27 | ||
| Debt/EBITDA | 5.33 | ||
| Cap/Depr | 17.51% | ||
| Cap/Sales | 1.26% | ||
| Interest Coverage | 0.33 | ||
| Cash Conversion | 141.25% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 | ||
| Altman-Z | 3.25 |
F-Score5
WACC11.09%
ROIC/WACC0.03
Cap/Depr(3y)23.11%
Cap/Depr(5y)36.46%
Cap/Sales(3y)1.95%
Cap/Sales(5y)2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%47.62%
EPS Next Y39.79%
EPS Next 2Y25.97%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue 1Y (TTM)12.14%
Revenue growth 3Y25.44%
Revenue growth 5Y31.37%
Sales Q2Q%9.63%
Revenue Next Year9.78%
Revenue Next 2Y8.82%
Revenue Next 3Y9.23%
Revenue Next 5YN/A
EBIT growth 1Y134.89%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year38.54%
EBIT Next 3Y27.19%
EBIT Next 5YN/A
FCF growth 1Y210.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y147.48%
OCF growth 3YN/A
OCF growth 5YN/A
NCINO INC / NCNO 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 4 / 10 to NCINO INC (NCNO). This can be considered as Fairly Valued.
What is the profitability of NCNO stock?
NCINO INC (NCNO) has a profitability rating of 2 / 10.
How financially healthy is NCINO INC?
The financial health rating of NCINO INC (NCNO) is 4 / 10.
What is the earnings growth outlook for NCINO INC?
The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 39.79% in the next year.