NCINO INC (NCNO) Fundamental Analysis & Valuation

NASDAQ:NCNO • US63947X1019

Current stock price

14.01 USD
-0.99 (-6.6%)
At close:
14.05 USD
+0.04 (+0.29%)
After Hours:

This NCNO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. NCNO Profitability Analysis

1.1 Basic Checks

  • NCNO had positive earnings in the past year.
  • In the past year NCNO had a positive cash flow from operations.
  • NCNO had negative earnings in each 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.
NCNO Yearly Net Income VS EBIT VS OCF VS FCFNCNO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M -100M

1.2 Ratios

  • NCNO has a Return On Assets (-1.39%) which is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of -2.09%, NCNO is in line with its industry, outperforming 57.91% of the companies in the same industry.
  • NCNO's Return On Invested Capital of 0.31% is in line compared to the rest of the industry. NCNO outperforms 59.71% of its industry peers.
Industry RankSector 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
NCNO Yearly ROA, ROE, ROICNCNO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 -10 -20 -30

1.3 Margins

  • NCNO's Operating Margin of 0.90% is fine compared to the rest of the industry. NCNO outperforms 60.43% of its industry peers.
  • With a Gross Margin value of 60.33%, NCNO is not doing good in the industry: 61.87% of the companies in the same industry are doing better.
  • NCNO's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
NCNO Yearly Profit, Operating, Gross MarginsNCNO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

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3

2. NCNO Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NCNO is destroying value.
  • The number of shares outstanding for NCNO has been increased compared to 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.
NCNO Yearly Shares OutstandingNCNO Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
NCNO Yearly Total Debt VS Total AssetsNCNO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • An Altman-Z score of 1.90 indicates that NCNO is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With a Altman-Z score value of 1.90, NCNO perfoms like the industry average, outperforming 56.47% of the companies in the same industry.
  • 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.
  • With a Debt to FCF ratio value of 4.27, NCNO perfoms like the industry average, outperforming 58.63% of the companies in the same industry.
  • A Debt/Equity ratio of 0.24 indicates that NCNO is not too dependend on debt financing.
  • NCNO has a Debt to Equity ratio of 0.24. This is comparable to the rest of the industry: NCNO outperforms 43.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 4.27
Altman-Z 1.9
ROIC/WACC0.03
WACC10.97%
NCNO Yearly LT Debt VS Equity VS FCFNCNO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
  • The Current ratio of NCNO (1.01) is worse than 74.10% of its industry peers.
  • NCNO has a Quick 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.
  • NCNO's Quick ratio of 1.01 is on the low side compared to the rest of the industry. NCNO is outperformed by 73.38% of its industry peers.
Industry RankSector Rank
Current Ratio 1.01
Quick Ratio 1.01
NCNO Yearly Current Assets VS Current LiabilitesNCNO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. NCNO Growth Analysis

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

  • Based on estimates for the next years, NCNO will show a very strong growth in Earnings Per Share. The EPS will grow by 24.36% on average per year.
  • NCNO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.18% yearly.
EPS Next Y40%
EPS Next 2Y25.88%
EPS Next 3Y24.36%
EPS Next 5YN/A
Revenue Next Year9.78%
Revenue Next 2Y8.82%
Revenue Next 3Y9.18%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
NCNO Yearly Revenue VS EstimatesNCNO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
NCNO Yearly EPS VS EstimatesNCNO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1

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Find the best growth stocksShow best growing peers

6

4. NCNO Valuation Analysis

4.1 Price/Earnings Ratio

  • NCNO is valuated rather expensively with a Price/Earnings ratio of 17.30.
  • NCNO's Price/Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 73.38% of the companies in the same industry.
  • NCNO is valuated rather cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 13.40, NCNO is valued correctly.
  • NCNO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 75.90% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, NCNO is valued a bit cheaper.
Industry RankSector Rank
PE 17.3
Fwd PE 13.4
NCNO Price Earnings VS Forward Price EarningsNCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NCNO is valued a bit cheaper than the industry average as 61.51% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, NCNO is valued a bit cheaper than the industry average as 62.23% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 26.9
EV/EBITDA 37.34
NCNO Per share dataNCNO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

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 24.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)N/A
EPS Next 2Y25.88%
EPS Next 3Y24.36%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. NCNO Dividend Analysis

5.1 Amount

  • NCNO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

NCNO Fundamentals: All Metrics, Ratios and Statistics

NCINO INC

NASDAQ:NCNO (3/27/2026, 8:00:01 PM)

After market: 14.05 +0.04 (+0.29%)

14.01

-0.99 (-6.6%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)12-03
Earnings (Next)03-31
Inst Owners109.13%
Inst Owner Change-4.34%
Ins Owners1.2%
Ins Owner Change-2.17%
Market Cap1.61B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target34.13 (143.61%)
Short Float %10.59%
Short Ratio5.14
Dividend
Industry RankSector 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)-2.9%
PT rev (3m)-5.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.14%
EPS NY rev (1m)0%
EPS NY rev (3m)0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 17.3
Fwd PE 13.4
P/S 2.74
P/FCF 26.9
P/OCF 23.94
P/B 1.54
P/tB N/A
EV/EBITDA 37.34
EPS(TTM)0.81
EY5.78%
EPS(NY)1.05
Fwd EY7.47%
FCF(TTM)0.52
FCFY3.72%
OCF(TTM)0.59
OCFY4.18%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.43
PEG (5Y)N/A
Graham Number12.87
Profitability
Industry RankSector 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 RankSector 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 1.9
F-Score5
WACC10.97%
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 Y40%
EPS Next 2Y25.88%
EPS Next 3Y24.36%
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 3Y9.18%
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 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.


What is the profitability of NCNO stock?

NCINO INC (NCNO) has a profitability rating of 3 / 10.


How financially healthy is NCINO INC?

The financial health rating of NCINO INC (NCNO) is 3 / 10.


What is the earnings growth outlook for NCINO INC?

The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 40% in the next year.