NCINO INC (NCNO) Fundamental Analysis & Valuation

NASDAQ:NCNO • US63947X1019

Current stock price

18.16 USD
+0.14 (+0.78%)
Last:

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.
  • In the past year NCNO had a positive cash flow from operations.
  • In the past 5 years NCNO reported 4 times negative net income.
  • 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 2026 0 50M -50M -100M

1.2 Ratios

  • NCNO has a Return On Assets of 0.31%. This is comparable to the rest of the industry: NCNO outperforms 58.91% of its industry peers.
  • The Return On Equity of NCNO (0.49%) is better than 60.73% of its industry peers.
  • NCNO has a better Return On Invested Capital (0.81%) than 60.36% of 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

  • NCNO has a Profit Margin of 0.87%. This is comparable to the rest of the industry: NCNO outperforms 58.91% of its industry peers.
  • The Operating Margin of NCNO (2.32%) is better than 64.73% of its industry peers.
  • NCNO has a Gross Margin of 60.76%. This is in the lower half of the industry: NCNO underperforms 60.73% of its industry peers.
  • 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.
  • The number of shares outstanding for NCNO has been increased compared to 5 years ago.
  • NCNO has a worse debt/assets ratio than last year.
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

  • An Altman-Z score of 2.16 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 2.16. This is comparable to the rest of the industry: NCNO outperforms 58.91% of its industry peers.
  • NCNO has a debt to FCF ratio of 3.21. This is a good value and a sign of high solvency as NCNO would need 3.21 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.21, NCNO is in the better half of the industry, outperforming 61.45% of the companies in the same industry.
  • A Debt/Equity ratio of 0.25 indicates that NCNO is not too dependend on debt financing.
  • NCNO's Debt to Equity ratio of 0.25 is in line compared to the rest of the industry. NCNO outperforms 42.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.21
Altman-Z 2.16
ROIC/WACC0.07
WACC10.93%
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's Current ratio of 1.00 is on the low side compared to the rest of the industry. NCNO is outperformed by 75.64% of its industry peers.
  • A Quick Ratio of 1.00 indicates that NCNO may have some problems paying its short term obligations.
  • NCNO has a worse Quick ratio (1.00) than 74.55% 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

  • The Earnings Per Share has grown by an impressive 33.33% over the past year.
  • NCNO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.01%.
  • NCNO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.83% yearly.
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

  • The Earnings Per Share is expected to grow by 22.09% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, NCNO will show a quite strong growth in Revenue. The Revenue will grow by 9.15% on average per year.
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y22.09%
EPS Next 5YN/A
Revenue Next Year8.18%
Revenue Next 2Y8.54%
Revenue Next 3Y9.15%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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6

4. NCNO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 20.64, the valuation of NCNO can be described as rather expensive.
  • NCNO's Price/Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 68.36% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, NCNO is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 15.20, the valuation of NCNO can be described as correct.
  • Based on the Price/Forward Earnings ratio, NCNO is valued a bit cheaper than the industry average as 74.91% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.10, NCNO is valued a bit cheaper.
Industry RankSector Rank
PE 20.64
Fwd PE 15.2
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

  • NCNO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 61.45% of the companies in the same industry.
  • NCNO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 65.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 25.19
EV/EBITDA 39.96
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

  • NCNO's 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 22.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y26.91%
EPS Next 3Y22.09%

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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 (4/8/2026, 9:42:56 AM)

18.16

+0.14 (+0.78%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)03-31
Earnings (Next)05-29
Inst Owners109.13%
Inst Owner Change0%
Ins Owners1.2%
Ins Owner Change-3.33%
Market Cap2.08B
Revenue(TTM)594.78M
Net Income(TTM)5.18M
Analysts77.5
Price Target34.13 (87.94%)
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)1
Avg EPS beat(2)20.49%
Min EPS beat(2)-10.92%
Max EPS beat(2)51.91%
EPS beat(4)2
Avg EPS beat(4)23.46%
Min EPS beat(4)-10.92%
Max EPS beat(4)54.77%
EPS beat(8)5
Avg EPS beat(8)16.37%
EPS beat(12)9
Avg EPS beat(12)23.91%
EPS beat(16)13
Avg EPS beat(16)37.53%
Revenue beat(2)1
Avg Revenue beat(2)-2.25%
Min Revenue beat(2)-6.24%
Max Revenue beat(2)1.74%
Revenue beat(4)3
Avg Revenue beat(4)-0.55%
Min Revenue beat(4)-6.24%
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)-0.49%
PT rev (1m)-2.9%
PT rev (3m)-5.43%
EPS NQ rev (1m)19.63%
EPS NQ rev (3m)20.07%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)1.81%
Revenue NQ rev (3m)1.9%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 20.64
Fwd PE 15.2
P/S 3.5
P/FCF 25.19
P/OCF 23.09
P/B 1.97
P/tB N/A
EV/EBITDA 39.96
EPS(TTM)0.88
EY4.85%
EPS(NY)1.19
Fwd EY6.58%
FCF(TTM)0.72
FCFY3.97%
OCF(TTM)0.79
OCFY4.33%
SpS5.19
BVpS9.22
TBVpS-1.38
PEG (NY)0.58
PEG (5Y)N/A
Graham Number13.51
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 2.16
F-Score7
WACC10.93%
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 3Y22.09%
EPS Next 5YN/A
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%
Revenue Next Year8.18%
Revenue Next 2Y8.54%
Revenue Next 3Y9.15%
Revenue Next 5YN/A
EBIT growth 1Y177.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year34.87%
EBIT Next 3Y26.01%
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 20.64 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.