NCINO INC (NCNO) Stock Fundamental Analysis
USA - NASDAQ:NCNO - US63947X1019 - Common Stock
26.06 USD
+0.57 (+2.24%)
26.06 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to NCNO. NCNO was compared to 284 industry peers in the Software industry. NCNO scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. 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.
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.
1.2 Ratios
With a Return On Assets value of -2.08%, NCNO perfoms like the industry average, outperforming 51.76% of the companies in the same industry.
NCNO has a Return On Equity of -3.18%. This is comparable to the rest of the industry: NCNO outperforms 56.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.08% | ||
| ROE | -3.18% | ||
| ROIC | N/A |
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
The Gross Margin of NCNO (60.23%) is worse than 61.27% of its industry peers.
NCNO's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for NCNO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 60.23% |
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 does not have a ROIC to compare to the WACC, probably because it is not profitable.
NCNO has more shares outstanding than it did 1 year ago.
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
An Altman-Z score of 3.17 indicates that NCNO is not in any danger for bankruptcy at the moment.
NCNO's Altman-Z score of 3.17 is fine compared to the rest of the industry. NCNO outperforms 61.27% of its industry peers.
NCNO has a debt to FCF ratio of 4.28. This is a neutral value as NCNO would need 4.28 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 4.28, NCNO is doing good in the industry, outperforming 60.56% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that NCNO is not too dependend on debt financing.
NCNO has a Debt to Equity ratio of 0.24. This is comparable to the rest of the industry: NCNO outperforms 44.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.28 | ||
| Altman-Z | 3.17 |
ROIC/WACCN/A
WACC10.97%
2.3 Liquidity
A Current Ratio of 1.03 indicates that NCNO should not have too much problems paying its short term obligations.
NCNO has a Current ratio of 1.03. This is in the lower half of the industry: NCNO underperforms 71.13% of its industry peers.
A Quick Ratio of 1.03 indicates that NCNO should not have too much problems paying its short term obligations.
NCNO has a Quick ratio of 1.03. This is in the lower half of the industry: NCNO underperforms 70.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
NCNO shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.41%.
NCNO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.24%.
Measured over the past years, NCNO shows a very strong growth in Revenue. The Revenue has been growing by 31.37% on average per year.
EPS 1Y (TTM)4.41%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%57.14%
Revenue 1Y (TTM)13.24%
Revenue growth 3Y25.44%
Revenue growth 5Y31.37%
Sales Q2Q%12.4%
3.2 Future
NCNO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.93% yearly.
The Revenue is expected to grow by 9.37% on average over the next years. This is quite good.
EPS Next Y21.31%
EPS Next 2Y23.15%
EPS Next 3Y23.93%
EPS Next 5YN/A
Revenue Next Year8.81%
Revenue Next 2Y8.67%
Revenue Next 3Y9.37%
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
With a Price/Earnings ratio of 36.70, NCNO can be considered very expensive at the moment.
Based on the Price/Earnings ratio, NCNO is valued a bit cheaper than 60.56% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.83. NCNO is valued slightly more expensive when compared to this.
Based on the Price/Forward Earnings ratio of 26.03, the valuation of NCNO can be described as expensive.
66.20% of the companies in the same industry are more expensive than NCNO, based on the Price/Forward Earnings ratio.
NCNO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.7 | ||
| Fwd PE | 26.03 |
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.
Based on the Price/Free Cash Flow ratio, NCNO is valued a bit cheaper than the industry average as 60.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 50.5 | ||
| EV/EBITDA | 92.51 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
NCNO's earnings are expected to grow with 23.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.72
PEG (5Y)N/A
EPS Next 2Y23.15%
EPS Next 3Y23.93%
5. Dividend
5.1 Amount
NCNO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
26.06
+0.57 (+2.24%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners116.89%
Inst Owner Change-1.46%
Ins Owners1.44%
Ins Owner Change2.12%
Market Cap3.02B
Revenue(TTM)573.12M
Net Income(TTM)-33.56M
Analysts73.91
Price Target36.76 (41.06%)
Short Float %10.01%
Short Ratio5.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)26.43%
Min EPS beat(2)-1.92%
Max EPS beat(2)54.77%
EPS beat(4)2
Avg EPS beat(4)11.18%
Min EPS beat(4)-36.6%
Max EPS beat(4)54.77%
EPS beat(8)6
Avg EPS beat(8)23.5%
EPS beat(12)9
Avg EPS beat(12)17.86%
EPS beat(16)13
Avg EPS beat(16)20.53%
Revenue beat(2)2
Avg Revenue beat(2)1.16%
Min Revenue beat(2)0.4%
Max Revenue beat(2)1.91%
Revenue beat(4)2
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-1.59%
Max Revenue beat(4)1.91%
Revenue beat(8)2
Avg Revenue beat(8)-0.7%
Revenue beat(12)3
Avg Revenue beat(12)-0.38%
Revenue beat(16)7
Avg Revenue beat(16)0.37%
PT rev (1m)0%
PT rev (3m)15.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.09%
EPS NY rev (1m)0%
EPS NY rev (3m)10.41%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.7 | ||
| Fwd PE | 26.03 | ||
| P/S | 5.27 | ||
| P/FCF | 50.5 | ||
| P/OCF | 44.5 | ||
| P/B | 2.86 | ||
| P/tB | N/A | ||
| EV/EBITDA | 92.51 |
EPS(TTM)0.71
EY2.72%
EPS(NY)1
Fwd EY3.84%
FCF(TTM)0.52
FCFY1.98%
OCF(TTM)0.59
OCFY2.25%
SpS4.95
BVpS9.13
TBVpS-1.43
PEG (NY)1.72
PEG (5Y)N/A
Graham Number12.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.08% | ||
| ROE | -3.18% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 60.23% | ||
| FCFM | 10.43% |
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-Score4
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.28 | ||
| Debt/EBITDA | 7.61 | ||
| Cap/Depr | 19.85% | ||
| Cap/Sales | 1.4% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 203.38% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 | ||
| Altman-Z | 3.17 |
F-Score4
WACC10.97%
ROIC/WACCN/A
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)4.41%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%57.14%
EPS Next Y21.31%
EPS Next 2Y23.15%
EPS Next 3Y23.93%
EPS Next 5YN/A
Revenue 1Y (TTM)13.24%
Revenue growth 3Y25.44%
Revenue growth 5Y31.37%
Sales Q2Q%12.4%
Revenue Next Year8.81%
Revenue Next 2Y8.67%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
EBIT growth 1Y73.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year32.51%
EBIT Next 3Y25.93%
EBIT Next 5YN/A
FCF growth 1Y1158.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y294.96%
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.
Can you provide the valuation status for NCINO INC?
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.
Can you provide the financial health for NCNO stock?
The financial health rating of NCINO INC (NCNO) is 4 / 10.
What is the expected EPS growth for NCINO INC (NCNO) stock?
The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 21.31% in the next year.