NCINO INC (NCNO) Stock Fundamental Analysis
NASDAQ:NCNO • US63947X1019
15.81 USD
+0.45 (+2.93%)
Last: Feb 25, 2026, 04:00 PM
Taking everything into account, NCNO scores 3 out of 10 in our fundamental rating. NCNO was compared to 274 industry peers in the Software industry. NCNO has a bad profitability rating. Also its financial health evaluation is rather negative. NCNO has a decent growth rate and is not valued too expensively.
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.
- The reported operating cash flow has been mixed in the past 5 years: NCNO reported negative operating cash flow in multiple years.
1.2 Ratios
- NCNO has a Return On Assets (-1.39%) which is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of -2.09%, NCNO is in line with its industry, outperforming 55.11% of the companies in the same industry.
- 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
- The Operating Margin of NCNO (0.90%) is comparable to the rest of the industry.
- With a Gross Margin value of 60.33%, NCNO is not doing good in the industry: 63.14% of the companies in the same industry are doing better.
- 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.
- NCNO has more shares outstanding than it did 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 2.08 indicates that NCNO is not a great score, but indicates only limited risk for bankruptcy at the moment.
- NCNO has a Altman-Z score (2.08) which is in line with 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's Debt to FCF ratio of 4.27 is in line compared to the rest of the industry. NCNO outperforms 59.49% of its industry peers.
- A Debt/Equity ratio of 0.24 indicates that NCNO is not too dependend on debt financing.
- The Debt to Equity ratio of NCNO (0.24) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.27 | ||
| Altman-Z | 2.08 |
ROIC/WACC0.03
WACC10.9%
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.
- With a Current ratio value of 1.01, NCNO is not doing good in the industry: 73.36% of the companies in the same industry are doing better.
- A Quick Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
- The Quick ratio of NCNO (1.01) is worse than 72.26% 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.
- Looking at the last year, NCNO shows a quite strong growth in Revenue. The Revenue has grown by 12.14% in the last year.
- 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
- Based on estimates for the next years, NCNO will show a very strong growth in Earnings Per Share. The EPS will grow by 24.36% on average per year.
- Based on estimates for the next years, NCNO will show a quite strong growth in Revenue. The Revenue will grow by 9.18% on average per year.
EPS Next Y40%
EPS Next 2Y25.95%
EPS Next 3Y24.36%
EPS Next 5YN/A
Revenue Next Year9.78%
Revenue Next 2Y8.82%
Revenue Next 3Y9.18%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 19.52, which indicates a rather expensive current valuation of NCNO.
- Based on the Price/Earnings ratio, NCNO is valued a bit cheaper than 71.53% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 26.98, NCNO is valued a bit cheaper.
- With a Price/Forward Earnings ratio of 15.10, NCNO is valued correctly.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NCNO indicates a somewhat cheap valuation: NCNO is cheaper than 74.82% of the companies listed in the same industry.
- NCNO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.52 | ||
| Fwd PE | 15.1 |
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.
- NCNO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 62.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.36 | ||
| EV/EBITDA | 40.6 |
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 24.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y25.95%
EPS Next 3Y24.36%
5. Dividend
5.1 Amount
- No dividends for NCNO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:NCNO (2/25/2026, 4:00:45 PM)
15.81
+0.45 (+2.93%)
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 Change-4.47%
Ins Owners1.23%
Ins Owner Change-2.34%
Market Cap1.81B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target35.15 (122.33%)
Short Float %11.16%
Short Ratio5.75
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)-0.67%
PT rev (3m)-4.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.49%
EPS NY rev (1m)0%
EPS NY rev (3m)15.41%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.52 | ||
| Fwd PE | 15.1 | ||
| P/S | 3.09 | ||
| P/FCF | 30.36 | ||
| P/OCF | 27.02 | ||
| P/B | 1.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 40.6 |
EPS(TTM)0.81
EY5.12%
EPS(NY)1.05
Fwd EY6.62%
FCF(TTM)0.52
FCFY3.29%
OCF(TTM)0.59
OCFY3.7%
SpS5.11
BVpS9.08
TBVpS-1.5
PEG (NY)0.49
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 | 2.08 |
F-Score5
WACC10.9%
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 Y40%
EPS Next 2Y25.95%
EPS Next 3Y24.36%
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 3Y9.18%
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 3 / 10 to NCNO.
What is the valuation status for NCNO stock?
ChartMill assigns a valuation rating of 5 / 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 3 / 10.
What is the earnings growth outlook for NCINO INC?
The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 40% in the next year.