24.29 USD
-0.18 (-0.74%)
24.29 USD
0 (0%)
NCNO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 276 industry peers in the Software industry. While NCNO seems to be doing ok healthwise, there are quite some concerns on its profitability. NCNO has a correct valuation and a medium 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
- NCNO has a Return On Assets (-1.39%) which is comparable to the rest of the industry.
- NCNO has a Return On Equity (-2.09%) which is in line with its industry peers.
- NCNO has a Return On Invested Capital (0.31%) which is in line with its industry peers.
| 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 (0.90%) which is comparable to the rest of the industry.
- NCNO has a Gross Margin of 60.33%. This is in the lower half of the industry: NCNO underperforms 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.
- Compared to 1 year ago, NCNO has more shares outstanding
- NCNO has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NCNO has a worse debt to assets ratio.
2.2 Solvency
- NCNO has an Altman-Z score of 3.28. This indicates that NCNO is financially healthy and has little risk of bankruptcy at the moment.
- NCNO has a Altman-Z score of 3.28. This is in the better half of the industry: NCNO outperforms 63.04% of its industry peers.
- 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 (4.27) which is in line with 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 3.28 |
ROIC/WACC0.03
WACC10.96%
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 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.
- NCNO's Quick ratio of 1.01 is on the low side compared to the rest of the industry. NCNO is outperformed by 73.19% of its industry peers.
| 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.
- The Revenue has grown by 12.14% in the past year. This is quite good.
- 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
- Based on estimates for the next years, NCNO will show a very strong growth in Earnings Per Share. The EPS will grow by 24.40% on average per year.
- 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
- NCNO is valuated quite expensively with a Price/Earnings ratio of 29.99.
- 63.04% of the companies in the same industry are more expensive than NCNO, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, NCNO is valued at the same level.
- The Price/Forward Earnings ratio is 23.19, which indicates a rather expensive current valuation of NCNO.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 67.75% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, NCNO is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.99 | ||
| Fwd PE | 23.19 |
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.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of NCNO is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 46.65 | ||
| EV/EBITDA | 62.59 |
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 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% |
24.29
-0.18 (-0.74%)
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 Cap2.79B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target36.09 (48.58%)
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 | 29.99 | ||
| Fwd PE | 23.19 | ||
| P/S | 4.75 | ||
| P/FCF | 46.65 | ||
| P/OCF | 41.51 | ||
| P/B | 2.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 62.59 |
EPS(TTM)0.81
EY3.33%
EPS(NY)1.05
Fwd EY4.31%
FCF(TTM)0.52
FCFY2.14%
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 | 3.28 |
F-Score5
WACC10.96%
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.