NCINO INC (NCNO) Fundamental Analysis & Valuation

NASDAQ:NCNO • US63947X1019

Current stock price

18.46 USD
+0.18 (+0.98%)
At close:
18.4383 USD
-0.02 (-0.12%)
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

  • NCNO had positive earnings in the past year.
  • In the past year NCNO had a positive cash flow from operations.
  • NCNO had negative earnings in 4 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.
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 2026 0 50M -50M -100M

1.2 Ratios

  • NCNO has a Return On Assets of 0.31%. This is comparable to the rest of the industry: NCNO outperforms 59.04% of its industry peers.
  • The Return On Equity of NCNO (0.49%) is better than 60.89% of its industry peers.
  • NCNO has a Return On Invested Capital (0.81%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.31%
ROE 0.49%
ROIC 0.81%
ROA(3y)-1.73%
ROA(5y)-3.35%
ROE(3y)-2.34%
ROE(5y)-4.34%
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 2026 0 -10 -20 -30

1.3 Margins

  • NCNO has a Profit Margin of 0.87%. This is comparable to the rest of the industry: NCNO outperforms 59.04% of its industry peers.
  • NCNO's Operating Margin of 2.32% is fine compared to the rest of the industry. NCNO outperforms 63.84% of its industry peers.
  • NCNO's Gross Margin of 60.76% is on the low side compared to the rest of the industry. NCNO is outperformed by 61.62% of its industry peers.
  • In the last couple of years the Gross Margin of NCNO has remained more or less at the same level.
Industry RankSector Rank
OM 2.32%
PM (TTM) 0.87%
GM 60.76%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.25%
GM growth 5Y1.33%
NCNO Yearly Profit, Operating, Gross MarginsNCNO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 20 -20 40 60

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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.
  • Compared to 1 year ago, NCNO has less shares outstanding
  • Compared to 5 years ago, NCNO has more shares outstanding
  • The debt/assets ratio for NCNO is higher compared to a year ago.
NCNO Yearly Shares OutstandingNCNO Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 2026 500M 1B 1.5B

2.2 Solvency

  • NCNO has an Altman-Z score of 2.19. 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.
  • The Altman-Z score of NCNO (2.19) is comparable to the rest of the industry.
  • NCNO has a debt to FCF ratio of 3.21. This is a good value and a sign of high solvency as NCNO would need 3.21 years to pay back of all of its debts.
  • NCNO's Debt to FCF ratio of 3.21 is fine compared to the rest of the industry. NCNO outperforms 61.99% of its industry peers.
  • NCNO has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.25, NCNO is in line with its industry, outperforming 43.17% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.21
Altman-Z 2.19
ROIC/WACC0.08
WACC10.47%
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 2026 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 1.00 indicates that NCNO may have some problems paying its short term obligations.
  • The Current ratio of NCNO (1.00) is worse than 76.38% of its industry peers.
  • A Quick Ratio of 1.00 indicates that NCNO may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.00, NCNO is doing worse than 75.28% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
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 2026 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

  • NCNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.33%, which is quite impressive.
  • The Revenue has grown by 10.01% in the past year. This is quite good.
  • The Revenue has been growing by 23.83% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)33.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.33%
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%

3.2 Future

  • Based on estimates for the next years, NCNO will show a very strong growth in Earnings Per Share. The EPS will grow by 22.09% on average per year.
  • Based on estimates for the next years, NCNO will show a quite strong growth in Revenue. The Revenue will grow by 9.15% on average per year.
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y22.09%
EPS Next 5YN/A
Revenue Next Year8.18%
Revenue Next 2Y8.54%
Revenue Next 3Y9.15%
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 2029 200M 400M 600M
NCNO Yearly EPS VS EstimatesNCNO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 0.5 1 1.5

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6

4. NCNO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 20.98, the valuation of NCNO can be described as rather expensive.
  • Based on the Price/Earnings ratio, NCNO is valued a bit cheaper than the industry average as 69.37% 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 27.87.
  • Based on the Price/Forward Earnings ratio of 15.45, the valuation of NCNO can be described as correct.
  • NCNO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 74.17% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of NCNO to the average of the S&P500 Index (38.51), we can say NCNO is valued rather cheaply.
Industry RankSector Rank
PE 20.98
Fwd PE 15.45
NCNO Price Earnings VS Forward Price EarningsNCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 61.99% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, NCNO is valued a bit cheaper than the industry average as 65.68% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 25.61
EV/EBITDA 40.49
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 22.09% in the coming years.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y26.91%
EPS Next 3Y22.09%

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%

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NCNO Fundamentals: All Metrics, Ratios and Statistics

NCINO INC

NASDAQ:NCNO (4/17/2026, 8:00:02 PM)

After market: 18.4383 -0.02 (-0.12%)

18.46

+0.18 (+0.98%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)03-31
Earnings (Next)05-29
Inst Owners109.84%
Inst Owner Change-0.05%
Ins Owners1.2%
Ins Owner Change-3.52%
Market Cap2.11B
Revenue(TTM)594.78M
Net Income(TTM)5.18M
Analysts77.5
Price Target25.11 (36.02%)
Short Float %12.5%
Short Ratio4.64
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)1
Avg EPS beat(2)20.49%
Min EPS beat(2)-10.92%
Max EPS beat(2)51.91%
EPS beat(4)2
Avg EPS beat(4)23.46%
Min EPS beat(4)-10.92%
Max EPS beat(4)54.77%
EPS beat(8)5
Avg EPS beat(8)16.37%
EPS beat(12)9
Avg EPS beat(12)23.91%
EPS beat(16)13
Avg EPS beat(16)37.53%
Revenue beat(2)1
Avg Revenue beat(2)-2.25%
Min Revenue beat(2)-6.24%
Max Revenue beat(2)1.74%
Revenue beat(4)3
Avg Revenue beat(4)-0.55%
Min Revenue beat(4)-6.24%
Max Revenue beat(4)1.91%
Revenue beat(8)3
Avg Revenue beat(8)-0.82%
Revenue beat(12)3
Avg Revenue beat(12)-0.93%
Revenue beat(16)6
Avg Revenue beat(16)-0.49%
PT rev (1m)-28.57%
PT rev (3m)-30.43%
EPS NQ rev (1m)16.8%
EPS NQ rev (3m)17.22%
EPS NY rev (1m)14.26%
EPS NY rev (3m)14.1%
Revenue NQ rev (1m)1.35%
Revenue NQ rev (3m)1.43%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 20.98
Fwd PE 15.45
P/S 3.55
P/FCF 25.61
P/OCF 23.47
P/B 2
P/tB N/A
EV/EBITDA 40.49
EPS(TTM)0.88
EY4.77%
EPS(NY)1.19
Fwd EY6.47%
FCF(TTM)0.72
FCFY3.91%
OCF(TTM)0.79
OCFY4.26%
SpS5.19
BVpS9.22
TBVpS-1.38
PEG (NY)0.59
PEG (5Y)N/A
Graham Number13.511 (-26.81%)
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 0.49%
ROCE 1.02%
ROIC 0.81%
ROICexc 0.86%
ROICexgc 21.12%
OM 2.32%
PM (TTM) 0.87%
GM 60.76%
FCFM 13.88%
ROA(3y)-1.73%
ROA(5y)-3.35%
ROE(3y)-2.34%
ROE(5y)-4.34%
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 3Y1.25%
GM growth 5Y1.33%
F-Score7
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.21
Debt/EBITDA 4.71
Cap/Depr 17.75%
Cap/Sales 1.26%
Interest Coverage 0.86
Cash Conversion 160.66%
Profit Quality 1593.9%
Current Ratio 1
Quick Ratio 1
Altman-Z 2.19
F-Score7
WACC10.47%
ROIC/WACC0.08
Cap/Depr(3y)10.85%
Cap/Depr(5y)28.33%
Cap/Sales(3y)0.83%
Cap/Sales(5y)1.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.33%
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y22.09%
EPS Next 5YN/A
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%
Revenue Next Year8.18%
Revenue Next 2Y8.54%
Revenue Next 3Y9.15%
Revenue Next 5YN/A
EBIT growth 1Y177.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year34.87%
EBIT Next 3Y26.01%
EBIT Next 5YN/A
FCF growth 1Y55.98%
FCF growth 3YN/A
FCF growth 5Y76.07%
OCF growth 1Y63.16%
OCF growth 3YN/A
OCF growth 5Y57.75%

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.


How profitable is NCINO INC (NCNO) stock?

NCINO INC (NCNO) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for NCNO stock?

The Price/Earnings (PE) ratio for NCINO INC (NCNO) is 20.98 and the Price/Book (PB) ratio is 2.


What is the earnings growth outlook for NCINO INC?

The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 35.79% in the next year.