24.25 USD
-0.04 (-0.16%)
24.25 USD
0 (0%)
Taking everything into account, NCNO scores 4 out of 10 in our fundamental rating. NCNO was compared to 276 industry peers in the Software industry. While NCNO seems to be doing ok healthwise, there are quite some concerns on its profitability. NCNO is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- NCNO had positive earnings in the past year.
- In the past year NCNO had a positive cash flow from operations.
- NCNO had negative earnings in each of the past 5 years.
- In multiple years NCNO reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a Return On Assets value of -1.39%, NCNO perfoms like the industry average, outperforming 51.81% of the companies in the same industry.
- With a Return On Equity value of -2.09%, NCNO perfoms like the industry average, outperforming 55.80% of the companies in the same industry.
- The Return On Invested Capital of NCNO (0.31%) is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
- NCNO has a Operating Margin of 0.90%. This is comparable to the rest of the industry: NCNO outperforms 59.78% of its industry peers.
- NCNO has a worse Gross Margin (60.33%) than 62.68% of its industry peers.
- NCNO's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- NCNO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for NCNO has been increased compared to 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.
2.2 Solvency
- An Altman-Z score of 3.26 indicates that NCNO is not in any danger for bankruptcy at the moment.
- NCNO's Altman-Z score of 3.26 is fine compared to the rest of the industry. NCNO outperforms 63.04% 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.
- 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.
- NCNO's Debt to Equity ratio of 0.24 is in line compared to the rest of the industry. NCNO outperforms 42.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 3.26 |
ROIC/WACC0.03
WACC10.97%
2.3 Liquidity
- A Current Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
- NCNO has a worse Current ratio (1.01) than 74.28% 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.
- Looking at the Quick ratio, with a value of 1.01, NCNO is doing worse than 73.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
- NCNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.00%, which is quite good.
- NCNO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.14%.
- NCNO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.37% yearly.
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 24.40% 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 9.23% yearly.
EPS Next Y39.79%
EPS Next 2Y25.97%
EPS Next 3Y24.4%
EPS Next 5YN/A
Revenue Next Year9.78%
Revenue Next 2Y8.82%
Revenue Next 3Y9.23%
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
- The Price/Earnings ratio is 29.94, which means the current valuation is very expensive for NCNO.
- Based on the Price/Earnings ratio, NCNO is valued a bit cheaper than 62.68% of the companies in the same industry.
- NCNO's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.47.
- A Price/Forward Earnings ratio of 23.15 indicates a rather expensive valuation of NCNO.
- NCNO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 67.03% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, NCNO is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.94 | ||
| Fwd PE | 23.15 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as NCNO.
- NCNO's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 46.57 | ||
| EV/EBITDA | 62.16 |
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 24.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.75
PEG (5Y)N/A
EPS Next 2Y25.97%
EPS Next 3Y24.4%
5. Dividend
5.1 Amount
- No dividends for NCNO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
24.25
-0.04 (-0.16%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)12-03 2025-12-03/amc
Earnings (Next)04-02 2026-04-02/amc
Inst Owners114.07%
Inst Owner Change0.03%
Ins Owners1.23%
Ins Owner Change-0.34%
Market Cap2.78B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target36.09 (48.82%)
Short Float %10.67%
Short Ratio6.04
Dividend
| Industry Rank | Sector 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)-0.65%
PT rev (3m)-1.81%
EPS NQ rev (1m)0.62%
EPS NQ rev (3m)9.64%
EPS NY rev (1m)15.24%
EPS NY rev (3m)15.24%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)0.89%
Revenue NY rev (3m)0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.94 | ||
| Fwd PE | 23.15 | ||
| P/S | 4.74 | ||
| P/FCF | 46.57 | ||
| P/OCF | 41.44 | ||
| P/B | 2.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 62.16 |
EPS(TTM)0.81
EY3.34%
EPS(NY)1.05
Fwd EY4.32%
FCF(TTM)0.52
FCFY2.15%
OCF(TTM)0.59
OCFY2.41%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.75
PEG (5Y)N/A
Graham Number12.87
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.26 |
F-Score5
WACC10.97%
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 Y39.79%
EPS Next 2Y25.97%
EPS Next 3Y24.4%
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 3Y9.23%
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 4 / 10 to NCNO.
What is the valuation status for NCNO stock?
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.
How financially healthy is NCINO INC?
The financial health rating of NCINO INC (NCNO) is 4 / 10.
What is the earnings growth outlook for NCINO INC?
The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 39.79% in the next year.