25.41 USD
-0.19 (-0.74%)
25.41 USD
0 (0%)
NCNO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 276 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
NCNO had positive earnings in the past year.
In the past year NCNO had a positive cash flow from operations.
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
The Return On Assets of NCNO (-1.39%) is comparable to the rest of the industry.
The Return On Equity of NCNO (-2.09%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 0.31%, NCNO is in line with its industry, outperforming 58.70% of the companies in the same industry.
| 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
Looking at the Operating Margin, with a value of 0.90%, NCNO is in line with its industry, outperforming 59.78% of the companies in the same industry.
NCNO has a Gross Margin of 60.33%. This is in the lower half of the industry: NCNO underperforms 62.68% 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
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.
NCNO has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, NCNO has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.43 indicates that NCNO is not in any danger for bankruptcy at the moment.
NCNO has a better Altman-Z score (3.43) than 64.13% of its industry peers.
NCNO has a debt to FCF ratio of 4.27. This is a neutral value as NCNO would need 4.27 years to pay back of 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 59.78% 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 (0.24) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 3.43 |
ROIC/WACC0.03
WACC11%
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.
Looking at the Current ratio, with a value of 1.01, NCNO is doing worse than 74.28% of the companies in the same industry.
A Quick Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
NCNO has a worse Quick ratio (1.01) than 73.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
NCNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.00%, which is quite good.
NCNO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.14%.
NCNO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.37% yearly.
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
Based on estimates for the next years, NCNO will show a quite strong growth in Revenue. The Revenue will grow by 9.23% on average per year.
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
Based on the Price/Earnings ratio of 31.37, the valuation of NCNO can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 63.04% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, NCNO is valued at the same level.
With a Price/Forward Earnings ratio of 24.26, NCNO is valued on the expensive side.
Based on the Price/Forward Earnings ratio, NCNO is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
NCNO is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.37 | ||
| Fwd PE | 24.26 |
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.
NCNO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 48.8 | ||
| EV/EBITDA | 65.32 |
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)0.79
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% |
25.41
-0.19 (-0.74%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners114.07%
Inst Owner Change0.03%
Ins Owners1.23%
Ins Owner Change-0.34%
Market Cap2.91B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target36.09 (42.03%)
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)-0.65%
PT rev (3m)-1.81%
EPS NQ rev (1m)0.62%
EPS NQ rev (3m)9.64%
EPS NY rev (1m)15.24%
EPS NY rev (3m)15.24%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)0.89%
Revenue NY rev (3m)0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.37 | ||
| Fwd PE | 24.26 | ||
| P/S | 4.97 | ||
| P/FCF | 48.8 | ||
| P/OCF | 43.42 | ||
| P/B | 2.8 | ||
| P/tB | N/A | ||
| EV/EBITDA | 65.32 |
EPS(TTM)0.81
EY3.19%
EPS(NY)1.05
Fwd EY4.12%
FCF(TTM)0.52
FCFY2.05%
OCF(TTM)0.59
OCFY2.3%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.79
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 | 3.43 |
F-Score5
WACC11%
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.