24.7 USD
+0.06 (+0.24%)
24.7 USD
0 (0%)
Overall NCNO gets a fundamental rating of 3 out of 10. We evaluated NCNO against 280 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 valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NCNO was profitable.
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.
1.2 Ratios
NCNO has a Return On Assets (-2.08%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of -3.18%, NCNO is in line with its industry, outperforming 56.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.08% | ||
| ROE | -3.18% | ||
| ROIC | N/A |
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 Gross Margin, with a value of 60.23%, NCNO is doing worse than 63.21% of the companies in the same industry.
In the last couple of years the Gross Margin of NCNO has grown nicely.
The Profit Margin and Operating Margin are not available for NCNO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 60.23% |
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 does not have a ROIC to compare to the WACC, probably because it is not profitable.
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.
Compared to 1 year ago, NCNO has a worse debt to assets ratio.
2.2 Solvency
NCNO has an Altman-Z score of 3.07. This indicates that NCNO is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of NCNO (3.07) is better than 60.71% of its industry peers.
The Debt to FCF ratio of NCNO is 4.28, which is a neutral value as it means it would take NCNO, 4.28 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.28, NCNO is in line with its industry, outperforming 59.29% of the companies in the same industry.
NCNO has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
NCNO's Debt to Equity ratio of 0.24 is in line compared to the rest of the industry. NCNO outperforms 43.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.28 | ||
| Altman-Z | 3.07 |
ROIC/WACCN/A
WACC10.98%
2.3 Liquidity
A Current Ratio of 1.03 indicates that NCNO should not have too much problems paying its short term obligations.
With a Current ratio value of 1.03, NCNO is not doing good in the industry: 73.93% of the companies in the same industry are doing better.
A Quick Ratio of 1.03 indicates that NCNO should not have too much problems paying its short term obligations.
NCNO's Quick ratio of 1.03 is on the low side compared to the rest of the industry. NCNO is outperformed by 72.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
NCNO shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.41%.
The Revenue has grown by 13.24% 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)4.41%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%57.14%
Revenue 1Y (TTM)13.24%
Revenue growth 3Y25.44%
Revenue growth 5Y31.37%
Sales Q2Q%12.4%
3.2 Future
The Earnings Per Share is expected to grow by 23.95% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 9.37% on average over the next years. This is quite good.
EPS Next Y21.31%
EPS Next 2Y23.15%
EPS Next 3Y23.95%
EPS Next 5YN/A
Revenue Next Year8.81%
Revenue Next 2Y8.67%
Revenue Next 3Y9.37%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 34.79, NCNO can be considered very expensive at the moment.
NCNO's Price/Earnings is on the same level as the industry average.
NCNO's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.31.
Based on the Price/Forward Earnings ratio of 24.68, the valuation of NCNO can be described as rather expensive.
Based on the Price/Forward Earnings ratio, NCNO is valued a bit cheaper than 65.71% of the companies in the same industry.
NCNO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.79 | ||
| Fwd PE | 24.68 |
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 | 47.86 | ||
| EV/EBITDA | 89.56 |
4.3 Compensation for Growth
NCNO's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as NCNO's earnings are expected to grow with 23.95% in the coming years.
PEG (NY)1.63
PEG (5Y)N/A
EPS Next 2Y23.15%
EPS Next 3Y23.95%
5. Dividend
5.1 Amount
NCNO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
24.7
+0.06 (+0.24%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners116.89%
Inst Owner Change-3.57%
Ins Owners1.44%
Ins Owner Change1.57%
Market Cap2.86B
Revenue(TTM)573.12M
Net Income(TTM)-33.56M
Analysts76.52
Price Target36.76 (48.83%)
Short Float %10.93%
Short Ratio6.57
Dividend
| Industry Rank | Sector 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)1
Avg EPS beat(2)26.43%
Min EPS beat(2)-1.92%
Max EPS beat(2)54.77%
EPS beat(4)2
Avg EPS beat(4)11.18%
Min EPS beat(4)-36.6%
Max EPS beat(4)54.77%
EPS beat(8)6
Avg EPS beat(8)23.5%
EPS beat(12)9
Avg EPS beat(12)17.86%
EPS beat(16)13
Avg EPS beat(16)20.53%
Revenue beat(2)2
Avg Revenue beat(2)1.16%
Min Revenue beat(2)0.4%
Max Revenue beat(2)1.91%
Revenue beat(4)2
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-1.59%
Max Revenue beat(4)1.91%
Revenue beat(8)2
Avg Revenue beat(8)-0.7%
Revenue beat(12)3
Avg Revenue beat(12)-0.38%
Revenue beat(16)7
Avg Revenue beat(16)0.37%
PT rev (1m)0%
PT rev (3m)12.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.09%
EPS NY rev (1m)0%
EPS NY rev (3m)10.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.79 | ||
| Fwd PE | 24.68 | ||
| P/S | 4.99 | ||
| P/FCF | 47.86 | ||
| P/OCF | 42.18 | ||
| P/B | 2.71 | ||
| P/tB | N/A | ||
| EV/EBITDA | 89.56 |
EPS(TTM)0.71
EY2.87%
EPS(NY)1
Fwd EY4.05%
FCF(TTM)0.52
FCFY2.09%
OCF(TTM)0.59
OCFY2.37%
SpS4.95
BVpS9.13
TBVpS-1.43
PEG (NY)1.63
PEG (5Y)N/A
Graham Number12.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.08% | ||
| ROE | -3.18% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 60.23% | ||
| FCFM | 10.43% |
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-Score4
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.28 | ||
| Debt/EBITDA | 7.61 | ||
| Cap/Depr | 19.85% | ||
| Cap/Sales | 1.4% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 203.38% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 | ||
| Altman-Z | 3.07 |
F-Score4
WACC10.98%
ROIC/WACCN/A
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)4.41%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%57.14%
EPS Next Y21.31%
EPS Next 2Y23.15%
EPS Next 3Y23.95%
EPS Next 5YN/A
Revenue 1Y (TTM)13.24%
Revenue growth 3Y25.44%
Revenue growth 5Y31.37%
Sales Q2Q%12.4%
Revenue Next Year8.81%
Revenue Next 2Y8.67%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
EBIT growth 1Y73.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year32.51%
EBIT Next 3Y25.69%
EBIT Next 5YN/A
FCF growth 1Y1158.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y294.96%
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 3 / 10 to NCNO.
Can you provide the valuation status for NCINO INC?
ChartMill assigns a valuation rating of 3 / 10 to NCINO INC (NCNO). This can be considered as Overvalued.
What is the profitability of NCNO stock?
NCINO INC (NCNO) has a profitability rating of 2 / 10.
Can you provide the financial health for NCNO stock?
The financial health rating of NCINO INC (NCNO) is 4 / 10.
What is the expected EPS growth for NCINO INC (NCNO) stock?
The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 21.31% in the next year.