NCINO INC (NCNO) Fundamental Analysis & Valuation

NASDAQ:NCNO • US63947X1019

Current stock price

18.13 USD
+0.65 (+3.72%)
At close:
18.13 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

  • NCNO had positive earnings in the past year.
  • NCNO had a positive operating cash flow in the past year.
  • In the past 5 years NCNO reported 4 times 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 2026 0 50M -50M -100M

1.2 Ratios

  • With a Return On Assets value of 0.31%, NCNO perfoms like the industry average, outperforming 57.72% of the companies in the same industry.
  • The Return On Equity of NCNO (0.49%) is better than 60.29% of its industry peers.
  • NCNO has a Return On Invested Capital (0.81%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.31%
ROE 0.49%
ROIC 0.81%
ROA(3y)-1.73%
ROA(5y)-3.35%
ROE(3y)-2.34%
ROE(5y)-4.34%
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 2026 0 -10 -20 -30

1.3 Margins

  • The Profit Margin of NCNO (0.87%) is comparable to the rest of the industry.
  • With a decent Operating Margin value of 2.32%, NCNO is doing good in the industry, outperforming 63.60% of the companies in the same industry.
  • With a Gross Margin value of 60.76%, NCNO is not doing good in the industry: 60.66% of the companies in the same industry are doing better.
  • NCNO's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 2.32%
PM (TTM) 0.87%
GM 60.76%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.25%
GM growth 5Y1.33%
NCNO Yearly Profit, Operating, Gross MarginsNCNO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 20 -20 40 60

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3

2. NCNO Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NCNO is destroying value.
  • NCNO has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, NCNO has more shares outstanding
  • 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 2026 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 2026 500M 1B 1.5B

2.2 Solvency

  • NCNO has an Altman-Z score of 2.10. 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.
  • With a Altman-Z score value of 2.10, NCNO perfoms like the industry average, outperforming 54.78% of the companies in the same industry.
  • The Debt to FCF ratio of NCNO is 3.21, which is a good value as it means it would take NCNO, 3.21 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of NCNO (3.21) is better than 61.40% of its industry peers.
  • NCNO has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • NCNO has a Debt to Equity ratio (0.25) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.21
Altman-Z 2.1
ROIC/WACC0.07
WACC10.88%
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 2026 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 1.00 indicates that NCNO may have some problems paying its short term obligations.
  • NCNO has a Current ratio of 1.00. This is in the lower half of the industry: NCNO underperforms 76.10% of its industry peers.
  • A Quick Ratio of 1.00 indicates that NCNO may have some problems paying its short term obligations.
  • NCNO's Quick ratio of 1.00 is on the low side compared to the rest of the industry. NCNO is outperformed by 75.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
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 2026 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

  • NCNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.33%, which is quite impressive.
  • The Revenue has grown by 10.01% in the past year. This is quite good.
  • The Revenue has been growing by 23.83% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)33.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.33%
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%

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 23.66% on average per year.
  • The Revenue is expected to grow by 8.85% on average over the next years. This is quite good.
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y23.66%
EPS Next 5YN/A
Revenue Next Year7.78%
Revenue Next 2Y8.37%
Revenue Next 3Y8.85%
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 2029 200M 400M 600M
NCNO Yearly EPS VS EstimatesNCNO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 0.5 1 1.5

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Find the best growth stocksShow best growing peers

6

4. NCNO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 20.60, the valuation of NCNO can be described as rather expensive.
  • Based on the Price/Earnings ratio, NCNO is valued a bit cheaper than the industry average as 70.96% of the companies are valued more expensively.
  • NCNO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.77.
  • A Price/Forward Earnings ratio of 15.17 indicates a correct valuation of NCNO.
  • Based on the Price/Forward Earnings ratio, NCNO is valued a bit cheaper than the industry average as 74.26% of the companies are valued more expensively.
  • NCNO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.6
Fwd PE 15.17
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 61.03% of the companies listed 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 65.44% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 25.15
EV/EBITDA 38.86
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.
  • A more expensive valuation may be justified as NCNO's earnings are expected to grow with 23.66% in the coming years.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y26.91%
EPS Next 3Y23.66%

More info and screens

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

0

5. NCNO Dividend Analysis

5.1 Amount

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

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NCNO Fundamentals: All Metrics, Ratios and Statistics

NCINO INC

NASDAQ:NCNO (5/1/2026, 4:35:41 PM)

After market: 18.13 0 (0%)

18.13

+0.65 (+3.72%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Industry Strength8.7
Industry Growth62.73
Earnings (Last)03-31
Earnings (Next)05-29
Inst Owners109.84%
Inst Owner Change-1.87%
Ins Owners1.2%
Ins Owner Change-3.57%
Market Cap2.08B
Revenue(TTM)594.78M
Net Income(TTM)5.18M
Analysts77.5
Price Target25.11 (38.5%)
Short Float %11.93%
Short Ratio4.43
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)1
Avg EPS beat(2)20.62%
Min EPS beat(2)-10.67%
Max EPS beat(2)51.91%
EPS beat(4)2
Avg EPS beat(4)23.52%
Min EPS beat(4)-10.67%
Max EPS beat(4)54.77%
EPS beat(8)5
Avg EPS beat(8)16.4%
EPS beat(12)9
Avg EPS beat(12)23.93%
EPS beat(16)13
Avg EPS beat(16)37.55%
Revenue beat(2)1
Avg Revenue beat(2)-2.23%
Min Revenue beat(2)-6.21%
Max Revenue beat(2)1.74%
Revenue beat(4)3
Avg Revenue beat(4)-0.54%
Min Revenue beat(4)-6.21%
Max Revenue beat(4)1.91%
Revenue beat(8)3
Avg Revenue beat(8)-0.82%
Revenue beat(12)3
Avg Revenue beat(12)-0.93%
Revenue beat(16)6
Avg Revenue beat(16)-0.48%
PT rev (1m)-28.57%
PT rev (3m)-29.05%
EPS NQ rev (1m)17.96%
EPS NQ rev (3m)18.28%
EPS NY rev (1m)14.26%
EPS NY rev (3m)14.13%
Revenue NQ rev (1m)1.41%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 20.6
Fwd PE 15.17
P/S 3.49
P/FCF 25.15
P/OCF 23.05
P/B 1.97
P/tB N/A
EV/EBITDA 38.86
EPS(TTM)0.88
EY4.85%
EPS(NY)1.19
Fwd EY6.59%
FCF(TTM)0.72
FCFY3.98%
OCF(TTM)0.79
OCFY4.34%
SpS5.19
BVpS9.22
TBVpS-1.38
PEG (NY)0.58
PEG (5Y)N/A
Graham Number13.511 (-25.48%)
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 0.49%
ROCE 1.02%
ROIC 0.81%
ROICexc 0.86%
ROICexgc 21.12%
OM 2.32%
PM (TTM) 0.87%
GM 60.76%
FCFM 13.88%
ROA(3y)-1.73%
ROA(5y)-3.35%
ROE(3y)-2.34%
ROE(5y)-4.34%
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 3Y1.25%
GM growth 5Y1.33%
F-Score7
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.21
Debt/EBITDA 4.71
Cap/Depr 17.75%
Cap/Sales 1.26%
Interest Coverage 0.86
Cash Conversion 160.66%
Profit Quality 1593.9%
Current Ratio 1
Quick Ratio 1
Altman-Z 2.1
F-Score7
WACC10.88%
ROIC/WACC0.07
Cap/Depr(3y)10.85%
Cap/Depr(5y)28.33%
Cap/Sales(3y)0.83%
Cap/Sales(5y)1.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.33%
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y23.66%
EPS Next 5YN/A
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%
Revenue Next Year7.78%
Revenue Next 2Y8.37%
Revenue Next 3Y8.85%
Revenue Next 5YN/A
EBIT growth 1Y177.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year34.87%
EBIT Next 3Y23.98%
EBIT Next 5YN/A
FCF growth 1Y55.98%
FCF growth 3YN/A
FCF growth 5Y76.07%
OCF growth 1Y63.16%
OCF growth 3YN/A
OCF growth 5Y57.75%

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 3 / 10.


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

The Price/Earnings (PE) ratio for NCINO INC (NCNO) is 20.6 and the Price/Book (PB) ratio is 1.97.


What is the earnings growth outlook for NCINO INC?

The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 35.79% in the next year.