NCINO INC (NCNO) Stock Fundamental Analysis

NASDAQ:NCNO • US63947X1019

16.41 USD
+0.23 (+1.42%)
Last: Feb 18, 2026, 02:42 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall NCNO gets a fundamental rating of 3 out of 10. We evaluated NCNO against 276 industry peers in the Software industry. Both the profitability and financial health of NCNO have multiple concerns. NCNO has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

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.
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 in line with its industry peers.
  • NCNO's Return On Equity of -2.09% is in line compared to the rest of the industry. NCNO outperforms 54.71% of its industry peers.
  • 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

  • Looking at the Operating Margin, with a value of 0.90%, NCNO is in line with its industry, outperforming 58.70% of the companies in the same industry.
  • NCNO has a Gross Margin of 60.33%. This is in the lower half of the industry: NCNO underperforms 63.04% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

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 more shares outstanding
  • The number of shares outstanding for NCNO has been increased compared to 5 years ago.
  • 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 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 2.19. 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.
  • NCNO has a Altman-Z score (2.19) which is comparable to the rest of the industry.
  • 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.
  • NCNO has a Debt to FCF ratio of 4.27. This is comparable to the rest of the industry: NCNO outperforms 59.06% of its industry peers.
  • 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 comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 4.27
Altman-Z 2.19
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.
  • NCNO has a Current ratio of 1.01. This is in the lower half of the industry: NCNO underperforms 73.55% of its industry peers.
  • A Quick Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
  • NCNO has a worse Quick ratio (1.01) than 72.46% 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.00% over the past year.
  • Looking at the last year, NCNO shows a quite strong growth in Revenue. The Revenue has grown by 12.14% 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)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

  • The Earnings Per Share is expected to grow by 24.36% on average over the next years. This is a very strong growth
  • NCNO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.18% yearly.
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.
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

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 20.26 indicates a rather expensive valuation of NCNO.
  • Compared to the rest of the industry, the Price/Earnings ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 69.93% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, NCNO is valued a bit cheaper.
  • NCNO is valuated correctly with a Price/Forward Earnings ratio of 15.67.
  • Based on the Price/Forward Earnings ratio, NCNO is valued a bit cheaper than 73.91% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of NCNO to the average of the S&P500 Index (28.10), we can say NCNO is valued slightly cheaper.
Industry RankSector Rank
PE 20.26
Fwd PE 15.67
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NCNO is on the same level as its industry peers.
  • 61.96% 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 31.51
EV/EBITDA 42.58
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)0.51
PEG (5Y)N/A
EPS Next 2Y25.95%
EPS Next 3Y24.36%

More info and screens

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

0

5. Dividend

5.1 Amount

  • NCNO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

NCINO INC

NASDAQ:NCNO (2/18/2026, 2:42:47 PM)

16.41

+0.23 (+1.42%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)12-03
Earnings (Next)04-02
Inst Owners114.07%
Inst Owner Change-4.62%
Ins Owners1.23%
Ins Owner Change-2.34%
Market Cap1.88B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target35.15 (114.2%)
Short Float %11.16%
Short Ratio5.75
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)-2.61%
PT rev (3m)-4.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.49%
EPS NY rev (1m)0.15%
EPS NY rev (3m)15.41%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.89%
Valuation
Industry RankSector Rank
PE 20.26
Fwd PE 15.67
P/S 3.21
P/FCF 31.51
P/OCF 28.04
P/B 1.81
P/tB N/A
EV/EBITDA 42.58
EPS(TTM)0.81
EY4.94%
EPS(NY)1.05
Fwd EY6.38%
FCF(TTM)0.52
FCFY3.17%
OCF(TTM)0.59
OCFY3.57%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.51
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 2.19
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)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.