NCINO INC (NCNO) Fundamental Analysis & Valuation

NASDAQ:NCNO • US63947X1019

Current stock price

15.19 USD
-0.04 (-0.26%)
At close:
15.19 USD
0 (0%)
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

  • 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 2025 0 50M -50M -100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -1.39%, NCNO is in line with its industry, outperforming 52.71% of the companies in the same industry.
  • NCNO's Return On Equity of -2.09% is in line compared to the rest of the industry. NCNO outperforms 57.40% of its industry peers.
  • NCNO has a Return On Invested Capital of 0.31%. This is comparable to the rest of the industry: NCNO outperforms 59.57% 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 has a Operating Margin of 0.90%. This is in the better half of the industry: NCNO outperforms 60.29% of its industry peers.
  • NCNO's Gross Margin of 60.33% is on the low side compared to the rest of the industry. NCNO is outperformed by 62.09% of its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • Compared to 1 year ago, NCNO has a worse debt to assets ratio.
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

  • NCNO has an Altman-Z score of 2.05. This is not the best score and indicates that NCNO is in the grey zone with still only limited risk for bankruptcy at the moment.
  • NCNO has a Altman-Z score (2.05) which is in line with 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.
  • NCNO has a Debt to FCF ratio of 4.27. This is comparable to the rest of the industry: NCNO outperforms 59.57% of its industry peers.
  • 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 42.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 4.27
Altman-Z 2.05
ROIC/WACC0.03
WACC10.72%
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

  • 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 74.73% of the companies in the same industry.
  • 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.
  • Looking at the Quick ratio, with a value of 1.01, NCNO is doing worse than 74.01% of the companies in the same industry.
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.
  • 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

  • NCNO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.36% yearly.
  • 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

  • With a Price/Earnings ratio of 18.75, NCNO is valued on the expensive side.
  • Based on the Price/Earnings ratio, NCNO is valued a bit cheaper than the industry average as 73.29% of the companies are valued more expensively.
  • NCNO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.79.
  • The Price/Forward Earnings ratio is 14.52, which indicates a correct valuation of NCNO.
  • 76.53% of the companies in the same industry are more expensive than NCNO, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 23.80. NCNO is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.75
Fwd PE 14.52
NCNO Price Earnings VS Forward Price EarningsNCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NCNO is valued a bit cheaper than 61.73% of the companies in the same industry.
  • NCNO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 62.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29.17
EV/EBITDA 40.19
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.
  • A more expensive valuation may be justified as NCNO's earnings are expected to grow with 24.36% in the coming years.
PEG (NY)0.47
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%

More info and screens

Find the best dividend stocksShow peers with best dividend

NCNO Fundamentals: All Metrics, Ratios and Statistics

NCINO INC

NASDAQ:NCNO (3/18/2026, 8:27:01 PM)

After market: 15.19 0 (0%)

15.19

-0.04 (-0.26%)

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 Cap1.74B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target35.15 (131.4%)
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)0%
PT rev (3m)-3.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0%
EPS NY rev (3m)15.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.89%
Valuation
Industry RankSector Rank
PE 18.75
Fwd PE 14.52
P/S 2.97
P/FCF 29.17
P/OCF 25.96
P/B 1.67
P/tB N/A
EV/EBITDA 40.19
EPS(TTM)0.81
EY5.33%
EPS(NY)1.05
Fwd EY6.89%
FCF(TTM)0.52
FCFY3.43%
OCF(TTM)0.59
OCFY3.85%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.47
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 2.05
F-Score5
WACC10.72%
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.