NCINO INC (NCNO) Fundamental Analysis & Valuation

NASDAQ:NCNO • US63947X1019

Current stock price

15.2 USD
-0.3 (-1.94%)
At close:
15.2 USD
0 (0%)
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

  • In the past year NCNO was profitable.
  • In the past year NCNO had a positive cash flow from operations.
  • 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.
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 0 50M -50M -100M

1.2 Ratios

  • With a Return On Assets value of -1.39%, NCNO perfoms like the industry average, outperforming 53.60% of the companies in the same industry.
  • NCNO has a Return On Equity (-2.09%) which is in line with its industry peers.
  • NCNO has a Return On Invested Capital of 0.31%. This is comparable to the rest of the industry: NCNO outperforms 59.71% of its industry peers.
Industry RankSector 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
NCNO Yearly ROA, ROE, ROICNCNO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 -10 -20 -30

1.3 Margins

  • NCNO's Operating Margin of 0.90% is fine compared to the rest of the industry. NCNO outperforms 60.43% of its industry peers.
  • NCNO has a Gross Margin of 60.33%. This is in the lower half of the industry: NCNO underperforms 61.87% of its industry peers.
  • NCNO's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
NCNO Yearly Profit, Operating, Gross MarginsNCNO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 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.
  • NCNO has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for NCNO has been increased compared to 5 years ago.
  • Compared to 1 year ago, NCNO has a worse debt to assets ratio.
NCNO Yearly Shares OutstandingNCNO Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 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 500M 1B 1.5B

2.2 Solvency

  • An Altman-Z score of 2.06 indicates that NCNO is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • NCNO has a Altman-Z score of 2.06. This is comparable to the rest of the industry: NCNO outperforms 56.83% of 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.
  • The Debt to FCF ratio of NCNO (4.27) is comparable to the rest of the industry.
  • NCNO has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.24, NCNO perfoms like the industry average, outperforming 43.17% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 4.27
Altman-Z 2.06
ROIC/WACC0.03
WACC10.87%
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 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • NCNO has a Current 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.
  • NCNO has a Current ratio of 1.01. This is in the lower half of the industry: NCNO underperforms 74.10% of its industry peers.
  • 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.
  • NCNO has a worse Quick ratio (1.01) than 73.38% of its industry peers.
Industry RankSector Rank
Current Ratio 1.01
Quick Ratio 1.01
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 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

  • The Earnings Per Share has grown by an nice 8.00% over the past year.
  • The Revenue has grown by 12.14% in the past year. This is quite good.
  • The Revenue has been growing by 31.37% on average over the past years. This is a very strong growth!
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.
  • The Revenue is expected to grow by 9.18% on average over the next years. This is quite good.
EPS Next Y40%
EPS Next 2Y25.88%
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.
NCNO Yearly Revenue VS EstimatesNCNO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
NCNO Yearly EPS VS EstimatesNCNO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1

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Find the best growth stocksShow best growing peers

6

4. NCNO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 18.77, which indicates a rather expensive current valuation of NCNO.
  • NCNO's Price/Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 72.66% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, NCNO is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 14.53, the valuation of NCNO can be described as correct.
  • 76.62% of the companies in the same industry are more expensive than NCNO, based on the Price/Forward Earnings ratio.
  • NCNO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.42.
Industry RankSector Rank
PE 18.77
Fwd PE 14.53
NCNO Price Earnings VS Forward Price EarningsNCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, NCNO is valued a bit cheaper than 61.87% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 62.23% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 29.19
EV/EBITDA 40.22
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.
  • NCNO's earnings are expected to grow with 24.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y25.88%
EPS Next 3Y24.36%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. NCNO Dividend Analysis

5.1 Amount

  • No dividends for NCNO!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

NCNO Fundamentals: All Metrics, Ratios and Statistics

NCINO INC

NASDAQ:NCNO (3/20/2026, 8:12:44 PM)

After market: 15.2 0 (0%)

15.2

-0.3 (-1.94%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)12-03
Earnings (Next)03-31
Inst Owners109.13%
Inst Owner Change-4.34%
Ins Owners1.2%
Ins Owner Change-2.17%
Market Cap1.74B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target35.15 (131.25%)
Short Float %10.59%
Short Ratio5.14
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)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)0%
PT rev (3m)-3.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.18%
EPS NY rev (1m)0%
EPS NY rev (3m)15.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.89%
Valuation
Industry RankSector Rank
PE 18.77
Fwd PE 14.53
P/S 2.97
P/FCF 29.19
P/OCF 25.98
P/B 1.67
P/tB N/A
EV/EBITDA 40.22
EPS(TTM)0.81
EY5.33%
EPS(NY)1.05
Fwd EY6.88%
FCF(TTM)0.52
FCFY3.43%
OCF(TTM)0.59
OCFY3.85%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.47
PEG (5Y)N/A
Graham Number12.87
Profitability
Industry RankSector 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 RankSector 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 2.06
F-Score5
WACC10.87%
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 2Y25.88%
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 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.


What is the profitability of NCNO stock?

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