NCINO INC (NCNO) Stock Fundamental Analysis
USA - NASDAQ:NCNO - US63947X1019 - Common Stock
25.52 USD
+0.04 (+0.16%)
25.52 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to NCNO. NCNO was compared to 281 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year NCNO was profitable.
In the past year NCNO had a positive cash flow from operations.
In the past 5 years NCNO always reported negative net income.
In multiple years NCNO reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of -2.08%, NCNO perfoms like the industry average, outperforming 50.53% of the companies in the same industry.
With a Return On Equity value of -3.18%, NCNO perfoms like the industry average, outperforming 56.23% of the companies in the same industry.
| 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
The Gross Margin of NCNO (60.23%) is worse than 61.92% of its industry peers.
NCNO's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for NCNO so they could not be analyzed.
| 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.
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.
Compared to 1 year ago, NCNO has a worse debt to assets ratio.
2.2 Solvency
NCNO has an Altman-Z score of 3.17. This indicates that NCNO is financially healthy and has little risk of bankruptcy at the moment.
NCNO has a better Altman-Z score (3.17) than 62.63% of its industry peers.
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.
With a decent Debt to FCF ratio value of 4.28, NCNO is doing good in the industry, outperforming 60.14% of the companies in the same industry.
NCNO has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
NCNO has a Debt to Equity ratio (0.24) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.28 | ||
| Altman-Z | 3.17 |
ROIC/WACCN/A
WACC10.92%
2.3 Liquidity
A Current Ratio of 1.03 indicates that NCNO should not have too much problems paying its short term obligations.
NCNO's Current ratio of 1.03 is on the low side compared to the rest of the industry. NCNO is outperformed by 71.53% of its industry peers.
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.
NCNO has a worse Quick ratio (1.03) than 70.11% of its industry peers.
| 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
The Earnings Per Share is expected to grow by 23.95% on average over the next years. This is a very strong growth
Based on estimates for the next years, NCNO will show a quite strong growth in Revenue. The Revenue will grow by 9.37% on average per year.
EPS Next Y21.31%
EPS Next 2Y23.15%
EPS Next 3Y23.95%
EPS Next 5YN/A
Revenue Next Year8.81%
Revenue Next 2Y8.67%
Revenue Next 3Y9.37%
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
With a Price/Earnings ratio of 35.94, NCNO can be considered very expensive at the moment.
The rest of the industry has a similar Price/Earnings ratio as NCNO.
Compared to an average S&P500 Price/Earnings ratio of 25.89, NCNO is valued a bit more expensive.
A Price/Forward Earnings ratio of 25.49 indicates a quite expensive valuation of NCNO.
NCNO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 66.90% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. NCNO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.94 | ||
| Fwd PE | 25.49 |
4.2 Price Multiples
NCNO's Enterprise Value to EBITDA is on the same level as the industry average.
NCNO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 60.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 49.45 | ||
| EV/EBITDA | 92.48 |
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 23.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.69
PEG (5Y)N/A
EPS Next 2Y23.15%
EPS Next 3Y23.95%
5. Dividend
5.1 Amount
No dividends for NCNO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
25.52
+0.04 (+0.16%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners116.89%
Inst Owner Change-2.02%
Ins Owners1.44%
Ins Owner Change1.57%
Market Cap2.96B
Revenue(TTM)573.12M
Net Income(TTM)-33.56M
Analysts76.52
Price Target36.76 (44.04%)
Short Float %10.01%
Short Ratio5.45
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)15.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.09%
EPS NY rev (1m)0%
EPS NY rev (3m)10.41%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.94 | ||
| Fwd PE | 25.49 | ||
| P/S | 5.16 | ||
| P/FCF | 49.45 | ||
| P/OCF | 43.58 | ||
| P/B | 2.8 | ||
| P/tB | N/A | ||
| EV/EBITDA | 92.48 |
EPS(TTM)0.71
EY2.78%
EPS(NY)1
Fwd EY3.92%
FCF(TTM)0.52
FCFY2.02%
OCF(TTM)0.59
OCFY2.29%
SpS4.95
BVpS9.13
TBVpS-1.43
PEG (NY)1.69
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 | 3.17 |
F-Score4
WACC10.92%
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 2Y23.15%
EPS Next 3Y23.95%
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 2Y8.67%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
EBIT growth 1Y73.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year32.51%
EBIT Next 3Y25.69%
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.