NCINO INC (NCNO) Fundamental Analysis & Valuation

NASDAQ:NCNO • US63947X1019

Current stock price

16.47 USD
+1.49 (+9.95%)
Last:

This NCNO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. NCNO Profitability Analysis

1.1 Basic Checks

  • In the past year NCNO was profitable.
  • NCNO had a positive operating cash flow in the past year.
  • 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.
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

  • NCNO has a Return On Assets (-1.39%) which is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of -2.09%, NCNO is in line with its industry, outperforming 57.45% of the companies in the same industry.
  • NCNO has a Return On Invested Capital (0.31%) which is comparable to the rest of the industry.
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

  • With a Operating Margin value of 0.90%, NCNO perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
  • NCNO's Gross Margin of 60.33% is on the low side compared to the rest of the industry. NCNO is outperformed by 61.82% of its industry peers.
  • In the last couple of years the Gross Margin of NCNO has grown nicely.
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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

  • NCNO has an Altman-Z score of 2.03. 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's Altman-Z score of 2.03 is in line compared to the rest of the industry. NCNO outperforms 57.82% of its industry peers.
  • The Debt to FCF ratio of NCNO is 4.27, which is a neutral value as it means it would take NCNO, 4.27 years of fcf income to pay off 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 58.55% 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 RankSector Rank
Debt/Equity 0.24
Debt/FCF 4.27
Altman-Z 2.03
ROIC/WACC0.03
WACC10.95%
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.
  • Looking at the Current ratio, with a value of 1.01, NCNO is doing worse than 74.55% of the companies in the same industry.
  • A Quick Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.01, NCNO is not doing good in the industry: 73.82% of the companies in the same industry are doing better.
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

3

3. NCNO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 60.61% over the past year.
EPS 1Y (TTM)60.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%208.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.87%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.43% on average over the next years. This is quite good.
  • Based on estimates for the next years, NCNO will show a quite strong growth in Revenue. The Revenue will grow by 8.89% on average per year.
EPS Next Y-1.33%
EPS Next 2Y9.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.86%
Revenue Next 2Y8.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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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5

4. NCNO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.54, the valuation of NCNO can be described as correct.
  • Based on the Price/Earnings ratio, NCNO is valued cheaply inside the industry as 80.73% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 25.35, NCNO is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 15.75, the valuation of NCNO can be described as correct.
  • Based on the Price/Forward Earnings ratio, NCNO is valued a bit cheaper than 75.64% of the companies in the same industry.
  • NCNO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.61, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.54
Fwd PE 15.75
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

  • Based on the Enterprise Value to EBITDA ratio, NCNO is valued a bit cheaper than the industry average as 61.82% of the companies are valued more expensively.
  • 62.55% of the companies in the same industry are more expensive than NCNO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 31.63
EV/EBITDA 39.68
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.43%
EPS Next 3YN/A

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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NCNO Fundamentals: All Metrics, Ratios and Statistics

NCINO INC

NASDAQ:NCNO (4/1/2026, 10:36:09 AM)

16.47

+1.49 (+9.95%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)03-31
Earnings (Next)N/A
Inst Owners109.13%
Inst Owner Change-4.34%
Ins Owners1.2%
Ins Owner Change-2.17%
Market Cap1.89B
Revenue(TTM)N/A
Net Income(TTM)-21.77M
Analysts77.5
Price Target34.13 (107.23%)
Short Float %11.27%
Short Ratio5.3
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)-2.9%
PT rev (3m)-5.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.14%
EPS NY rev (1m)0%
EPS NY rev (3m)0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 15.54
Fwd PE 15.75
P/S 3.22
P/FCF 31.63
P/OCF 28.15
P/B 1.81
P/tB N/A
EV/EBITDA 39.68
EPS(TTM)1.06
EY6.44%
EPS(NY)1.05
Fwd EY6.35%
FCF(TTM)0.52
FCFY3.16%
OCF(TTM)0.59
OCFY3.55%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.72
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 2.03
F-Score5
WACC10.95%
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)60.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%208.33%
EPS Next Y-1.33%
EPS Next 2Y9.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.87%
Revenue Next Year7.86%
Revenue Next 2Y8.89%
Revenue Next 3YN/A
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.


How profitable is NCINO INC (NCNO) stock?

NCINO INC (NCNO) has a profitability rating of 2 / 10.


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

The Price/Earnings (PE) ratio for NCINO INC (NCNO) is 15.54 and the Price/Book (PB) ratio is 1.81.


What is the earnings growth outlook for NCINO INC?

The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to decline by -1.33% in the next year.