NCINO INC (NCNO) Stock Fundamental Analysis
USA - NASDAQ:NCNO - US63947X1019 - Common Stock
26.07 USD
+0.13 (+0.5%)
26.07 USD
0 (0%)
NCNO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 285 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.
NCNO had a positive operating cash flow in the past year.
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
The Return On Assets of NCNO (-2.08%) is comparable to the rest of the industry.
NCNO's Return On Equity of -3.18% is in line compared to the rest of the industry. NCNO outperforms 56.49% of its industry peers.
| 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
NCNO has a Gross Margin of 60.23%. This is in the lower half of the industry: NCNO underperforms 61.40% of its industry peers.
NCNO's Gross Margin has improved in the last couple of years.
NCNO does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| 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
NCNO has more shares outstanding than it did 5 years ago.
NCNO has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.23 indicates that NCNO is not in any danger for bankruptcy at the moment.
The Altman-Z score of NCNO (3.23) is comparable to the rest of the industry.
NCNO has a debt to FCF ratio of 4.28. This is a neutral value as NCNO would need 4.28 years to pay back of all of its debts.
The Debt to FCF ratio of NCNO (4.28) is better than 61.05% of its industry peers.
A Debt/Equity ratio of 0.24 indicates that NCNO is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.24, NCNO is in line with its industry, outperforming 44.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.28 | ||
| Altman-Z | 3.23 |
ROIC/WACCN/A
WACC11%
2.3 Liquidity
A Current Ratio of 1.03 indicates that NCNO should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.03, NCNO is doing worse than 71.23% of the companies in the same industry.
NCNO has a Quick Ratio of 1.03. 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 1.03, NCNO is doing worse than 70.18% of the companies in the same industry.
| 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%.
Looking at the last year, NCNO shows a quite strong growth in Revenue. The Revenue has grown by 13.24% in the last year.
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
NCNO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.63% yearly.
NCNO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.50% yearly.
EPS Next Y21.31%
EPS Next 2Y23.08%
EPS Next 3Y23.63%
EPS Next 5YN/A
Revenue Next Year8.81%
Revenue Next 2Y8.69%
Revenue Next 3Y9.5%
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
NCNO is valuated quite expensively with a Price/Earnings ratio of 36.72.
Based on the Price/Earnings ratio, NCNO is valued a bit cheaper than the industry average as 63.16% of the companies are valued more expensively.
NCNO's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.83.
A Price/Forward Earnings ratio of 26.08 indicates a quite 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 67.72% of the companies listed in the same industry.
NCNO's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.72 | ||
| Fwd PE | 26.08 |
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.
Based on the Price/Free Cash Flow ratio, NCNO is valued a bit cheaper than the industry average as 60.70% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 50.51 | ||
| EV/EBITDA | 94.07 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
NCNO's earnings are expected to grow with 23.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.72
PEG (5Y)N/A
EPS Next 2Y23.08%
EPS Next 3Y23.63%
5. Dividend
5.1 Amount
No dividends for NCNO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
26.07
+0.13 (+0.5%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners116.89%
Inst Owner Change-0.04%
Ins Owners1.44%
Ins Owner Change20.58%
Market Cap3.02B
Revenue(TTM)573.12M
Net Income(TTM)-33557000
Analysts73.91
Price Target36.76 (41%)
Short Float %10.49%
Short Ratio6.32
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)18.72%
EPS NQ rev (1m)-1.23%
EPS NQ rev (3m)2.34%
EPS NY rev (1m)10.17%
EPS NY rev (3m)10.41%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.72 | ||
| Fwd PE | 26.08 | ||
| P/S | 5.27 | ||
| P/FCF | 50.51 | ||
| P/OCF | 44.52 | ||
| P/B | 2.86 | ||
| P/tB | N/A | ||
| EV/EBITDA | 94.07 |
EPS(TTM)0.71
EY2.72%
EPS(NY)1
Fwd EY3.83%
FCF(TTM)0.52
FCFY1.98%
OCF(TTM)0.59
OCFY2.25%
SpS4.95
BVpS9.13
TBVpS-1.43
PEG (NY)1.72
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 | 3.23 |
F-Score4
WACC11%
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 2Y23.08%
EPS Next 3Y23.63%
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 2Y8.69%
Revenue Next 3Y9.5%
Revenue Next 5YN/A
EBIT growth 1Y73.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year32.51%
EBIT Next 3Y25.93%
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 4 / 10 to NCNO.
Can you provide the valuation status for NCINO INC?
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.
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.