18.655 USD
-0.05 (-0.29%)
Last: Feb 4, 2026, 02:45 PM
We assign a fundamental rating of 4 out of 10 to NCNO. NCNO was compared to 278 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 not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- NCNO had positive earnings in the past year.
- 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.
1.2 Ratios
- NCNO's Return On Assets of -1.39% is in line compared to the rest of the industry. NCNO outperforms 51.80% of its industry peers.
- The Return On Equity of NCNO (-2.09%) is comparable to the rest of the industry.
- NCNO has a Return On Invested Capital of 0.31%. This is comparable to the rest of the industry: NCNO outperforms 58.63% of its industry peers.
| 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
- NCNO has a Operating Margin (0.90%) which is in line with its industry peers.
- NCNO has a Gross Margin of 60.33%. This is in the lower half of the industry: NCNO underperforms 62.95% 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.
- Compared to 5 years ago, NCNO has more shares outstanding
- NCNO has a worse debt/assets ratio than last year.
2.2 Solvency
- NCNO has an Altman-Z score of 2.52. 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.
- With a decent Altman-Z score value of 2.52, NCNO is doing good in the industry, outperforming 60.07% 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 decent Debt to FCF ratio value of 4.27, NCNO is doing good in the industry, outperforming 60.43% of the companies in the same industry.
- A Debt/Equity ratio of 0.24 indicates that NCNO is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.24, NCNO perfoms like the industry average, outperforming 42.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 2.52 |
ROIC/WACC0.03
WACC11.11%
2.3 Liquidity
- A Current Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
- Looking at the Current ratio, with a value of 1.01, NCNO is doing worse than 73.38% 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.
- The Quick ratio of NCNO (1.01) is worse than 72.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 8.00% over the past year.
- NCNO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.14%.
- Measured over the past years, NCNO shows a very strong growth in Revenue. The Revenue has been growing by 31.37% on average per year.
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 2Y25.95%
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.
4. Valuation
4.1 Price/Earnings Ratio
- NCNO is valuated rather expensively with a Price/Earnings ratio of 23.03.
- 64.39% of the companies in the same industry are more expensive than NCNO, based on the Price/Earnings ratio.
- NCNO is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 17.82 indicates a rather expensive valuation of NCNO.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 72.30% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, NCNO is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.03 | ||
| Fwd PE | 17.82 |
4.2 Price Multiples
- NCNO's Enterprise Value to EBITDA ratio is in line with the industry average.
- 61.15% of the companies in the same industry are more expensive than NCNO, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 35.82 | ||
| EV/EBITDA | 48.69 |
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)0.58
PEG (5Y)N/A
EPS Next 2Y25.95%
EPS Next 3Y24.36%
5. Dividend
5.1 Amount
- No dividends for NCNO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:NCNO (2/4/2026, 2:45:09 PM)
18.655
-0.05 (-0.29%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)12-03 2025-12-03/amc
Earnings (Next)04-02 2026-04-02/amc
Inst Owners114.07%
Inst Owner Change-1.07%
Ins Owners1.23%
Ins Owner Change-0.9%
Market Cap2.14B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target35.39 (89.71%)
Short Float %10.63%
Short Ratio5.8
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)-1.96%
PT rev (3m)-3.74%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)9.49%
EPS NY rev (1m)0.15%
EPS NY rev (3m)15.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.03 | ||
| Fwd PE | 17.82 | ||
| P/S | 3.65 | ||
| P/FCF | 35.82 | ||
| P/OCF | 31.88 | ||
| P/B | 2.05 | ||
| P/tB | N/A | ||
| EV/EBITDA | 48.69 |
EPS(TTM)0.81
EY4.34%
EPS(NY)1.05
Fwd EY5.61%
FCF(TTM)0.52
FCFY2.79%
OCF(TTM)0.59
OCFY3.14%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.58
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 | 2.52 |
F-Score5
WACC11.11%
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 2Y25.95%
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 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 5 / 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 40% in the next year.