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NCINO INC (NCNO) Stock Fundamental Analysis

NASDAQ:NCNO - Nasdaq - US63947X1019 - Common Stock - Currency: USD

32.76  -0.09 (-0.27%)

After market: 32.76 0 (0%)

Fundamental Rating

4

Taking everything into account, NCNO scores 4 out of 10 in our fundamental rating. NCNO was compared to 284 industry peers in the Software industry. NCNO scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. NCNO is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year NCNO was profitable.
NCNO had a positive operating cash flow in the past year.
In the past 5 years NCNO always reported negative net income.
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 0 50M -50M -100M

1.2 Ratios

The Return On Assets of NCNO (-1.19%) is comparable to the rest of the industry.
The Return On Equity of NCNO (-1.66%) is better than 60.29% of its industry peers.
Industry RankSector Rank
ROA -1.19%
ROE -1.66%
ROIC N/A
ROA(3y)-4.9%
ROA(5y)-6.58%
ROE(3y)-6.23%
ROE(5y)-8.94%
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 -10 -20 -30

1.3 Margins

Looking at the Gross Margin, with a value of 60.22%, NCNO is doing worse than 61.37% of the companies in the same industry.
NCNO's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for NCNO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 60.22%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.72%
GM growth 5Y3.96%
NCNO Yearly Profit, Operating, Gross MarginsNCNO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

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5

2. Health

2.1 Basic Checks

NCNO does not have a ROIC to compare to the WACC, probably because it is not profitable.
NCNO has more shares outstanding than it did 1 year ago.
NCNO has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, NCNO has an improved debt to assets ratio.
NCNO Yearly Shares OutstandingNCNO Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 200M 400M 600M 800M 1B

2.2 Solvency

NCNO has an Altman-Z score of 5.42. This indicates that NCNO is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 5.42, NCNO is in the better half of the industry, outperforming 64.26% of the companies in the same industry.
The Debt to FCF ratio of NCNO is 3.09, which is a good value as it means it would take NCNO, 3.09 years of fcf income to pay off all of its debts.
NCNO's Debt to FCF ratio of 3.09 is fine compared to the rest of the industry. NCNO outperforms 62.45% of its industry peers.
NCNO has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
NCNO has a Debt to Equity ratio (0.20) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 3.09
Altman-Z 5.42
ROIC/WACCN/A
WACC10.93%
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 0 200M 400M 600M 800M 1B

2.3 Liquidity

NCNO has a Current Ratio of 1.95. This is a normal value and indicates that NCNO is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.95, NCNO is in line with its industry, outperforming 58.48% of the companies in the same industry.
NCNO has a Quick Ratio of 1.95. 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 1.95 is in line compared to the rest of the industry. NCNO outperforms 58.84% of its industry peers.
Industry RankSector Rank
Current Ratio 1.95
Quick Ratio 1.95
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 100M 200M 300M 400M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 257.14% over the past year.
NCNO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.19%.
Measured over the past years, NCNO shows a very strong growth in Revenue. The Revenue has been growing by 39.10% on average per year.
EPS 1Y (TTM)257.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%50%
Revenue 1Y (TTM)13.19%
Revenue growth 3Y32.62%
Revenue growth 5Y39.1%
Sales Q2Q%13.82%

3.2 Future

The Earnings Per Share is expected to grow by 31.77% 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 14.24% yearly.
EPS Next Y44.44%
EPS Next 2Y32.92%
EPS Next 3Y31.77%
EPS Next 5YN/A
Revenue Next Year13.14%
Revenue Next 2Y13.82%
Revenue Next 3Y14.24%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
NCNO Yearly Revenue VS EstimatesNCNO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
NCNO Yearly EPS VS EstimatesNCNO Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.2 -0.2 0.4 0.6 0.8 1

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 43.68, the valuation of NCNO can be described as expensive.
NCNO's Price/Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 64.26% of the companies in the same industry.
NCNO is valuated expensively when we compare the Price/Earnings ratio to 28.47, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 36.36, which means the current valuation is very expensive for NCNO.
NCNO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 66.06% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 92.74, NCNO is valued rather cheaply.
Industry RankSector Rank
PE 43.68
Fwd PE 36.36
NCNO Price Earnings VS Forward Price EarningsNCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NCNO is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 62.45% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 53.41
EV/EBITDA 198.98
NCNO Per share dataNCNO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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 31.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.98
PEG (5Y)N/A
EPS Next 2Y32.92%
EPS Next 3Y31.77%

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0

5. Dividend

5.1 Amount

No dividends for NCNO!.
Industry RankSector Rank
Dividend Yield N/A

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NCINO INC

NASDAQ:NCNO (2/4/2025, 8:00:01 PM)

After market: 32.76 0 (0%)

32.76

-0.09 (-0.27%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)12-04 2024-12-04/amc
Earnings (Next)N/A N/A
Inst Owners93.78%
Inst Owner Change2.38%
Ins Owners2.84%
Ins Owner Change-2.85%
Market Cap3.79B
Analysts76.67
Price Target43.04 (31.38%)
Short Float %5.93%
Short Ratio5.25
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)17.93%
Min EPS beat(2)7.4%
Max EPS beat(2)28.46%
EPS beat(4)4
Avg EPS beat(4)36.87%
Min EPS beat(4)7.4%
Max EPS beat(4)73.8%
EPS beat(8)7
Avg EPS beat(8)17.63%
EPS beat(12)11
Avg EPS beat(12)22.92%
EPS beat(16)15
Avg EPS beat(16)27.02%
Revenue beat(2)0
Avg Revenue beat(2)-0.97%
Min Revenue beat(2)-0.99%
Max Revenue beat(2)-0.94%
Revenue beat(4)0
Avg Revenue beat(4)-1.37%
Min Revenue beat(4)-2.69%
Max Revenue beat(4)-0.85%
Revenue beat(8)1
Avg Revenue beat(8)-0.63%
Revenue beat(12)4
Avg Revenue beat(12)0.17%
Revenue beat(16)8
Avg Revenue beat(16)0.93%
PT rev (1m)-0.63%
PT rev (3m)10.02%
EPS NQ rev (1m)-0.43%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)7.05%
Revenue NQ rev (1m)-2.09%
Revenue NQ rev (3m)-2.27%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 43.68
Fwd PE 36.36
P/S 7.25
P/FCF 53.41
P/OCF 51.7
P/B 3.49
P/tB 73.86
EV/EBITDA 198.98
EPS(TTM)0.75
EY2.29%
EPS(NY)0.9
Fwd EY2.75%
FCF(TTM)0.61
FCFY1.87%
OCF(TTM)0.63
OCFY1.93%
SpS4.52
BVpS9.4
TBVpS0.44
PEG (NY)0.98
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.19%
ROE -1.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 60.22%
FCFM 13.58%
ROA(3y)-4.9%
ROA(5y)-6.58%
ROE(3y)-6.23%
ROE(5y)-8.94%
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
ROICexcg growth 3YN/A
ROICexcg 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 3Y1.72%
GM growth 5Y3.96%
F-Score5
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 3.09
Debt/EBITDA 11.53
Cap/Depr 6.89%
Cap/Sales 0.45%
Interest Coverage N/A
Cash Conversion 388.82%
Profit Quality N/A
Current Ratio 1.95
Quick Ratio 1.95
Altman-Z 5.42
F-Score5
WACC10.93%
ROIC/WACCN/A
Cap/Depr(3y)39.21%
Cap/Depr(5y)60.2%
Cap/Sales(3y)2.48%
Cap/Sales(5y)2.75%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)257.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%50%
EPS Next Y44.44%
EPS Next 2Y32.92%
EPS Next 3Y31.77%
EPS Next 5YN/A
Revenue 1Y (TTM)13.19%
Revenue growth 3Y32.62%
Revenue growth 5Y39.1%
Sales Q2Q%13.82%
Revenue Next Year13.14%
Revenue Next 2Y13.82%
Revenue Next 3Y14.24%
Revenue Next 5YN/A
EBIT growth 1Y71.71%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year76.65%
EBIT Next 3Y43.14%
EBIT Next 5YN/A
FCF growth 1Y331.48%
FCF growth 3Y122.03%
FCF growth 5YN/A
OCF growth 1Y609.13%
OCF growth 3Y83.84%
OCF growth 5YN/A