17.59 USD
-1.04 (-5.58%)
At close: Feb 11, 2026
17.59 USD
0 (0%)
After Hours: 2/11/2026, 8:00:01 PM
NCNO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 277 industry peers in the Software industry. Both the profitability and financial health of NCNO have multiple concerns. 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.
- NCNO had negative earnings in each of the past 5 years.
- In multiple years NCNO reported negative operating cash flow during the last 5 years.
1.2 Ratios
- NCNO has a Return On Assets of -1.39%. This is comparable to the rest of the industry: NCNO outperforms 51.99% of its industry peers.
- NCNO has a Return On Equity (-2.09%) which is in line with its industry peers.
- NCNO has a Return On Invested Capital (0.31%) which is in line with 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 comparable to the rest of the industry.
- The Gross Margin of NCNO (60.33%) is worse than 62.82% of its industry peers.
- NCNO's Gross Margin has improved in the last couple of years.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NCNO is destroying value.
- The number of shares outstanding for NCNO has been increased compared to 1 year ago.
- NCNO has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for NCNO is higher compared to a year ago.
2.2 Solvency
- NCNO has an Altman-Z score of 2.51. 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 (2.51) which is in line with its industry peers.
- NCNO has a debt to FCF ratio of 4.27. This is a neutral value as NCNO would need 4.27 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 4.27, NCNO is in line with its industry, outperforming 59.57% 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 41.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 2.51 |
ROIC/WACC0.03
WACC11.07%
2.3 Liquidity
- A Current Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
- The Current ratio of NCNO (1.01) is worse than 72.92% of its industry peers.
- A Quick Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.01, NCNO is doing worse than 72.20% of the companies in the same industry.
| 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
- Based on estimates for the next years, NCNO will show a very strong growth in Earnings Per Share. The EPS will grow by 24.36% on average per year.
- The Revenue is expected to grow by 9.18% on average over the next years. This is quite good.
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
- 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
- Based on the Price/Earnings ratio of 21.72, the valuation of NCNO can be described as rather expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 67.15% of the companies listed in the same industry.
- NCNO is valuated rather cheaply when we compare the Price/Earnings ratio to 28.23, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 16.80, which indicates a correct 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 72.56% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.01. NCNO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.72 | ||
| Fwd PE | 16.8 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as NCNO.
- 61.01% 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 | 33.78 | ||
| EV/EBITDA | 48.5 |
4.3 Compensation for Growth
- NCNO's 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)0.54
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% |
17.59
-1.04 (-5.58%)
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-0.26%
Ins Owners1.23%
Ins Owner Change-2.34%
Market Cap2.02B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target35.15 (99.83%)
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)-2.61%
PT rev (3m)-4.38%
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 | 21.72 | ||
| Fwd PE | 16.8 | ||
| P/S | 3.44 | ||
| P/FCF | 33.78 | ||
| P/OCF | 30.06 | ||
| P/B | 1.94 | ||
| P/tB | N/A | ||
| EV/EBITDA | 48.5 |
EPS(TTM)0.81
EY4.6%
EPS(NY)1.05
Fwd EY5.95%
FCF(TTM)0.52
FCFY2.96%
OCF(TTM)0.59
OCFY3.33%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.54
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 | 2.51 |
F-Score5
WACC11.07%
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 3 / 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 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.