24.25 USD
-0.04 (-0.16%)
24.25 USD
0 (0%)
Overall NCNO gets a fundamental rating of 4 out of 10. We evaluated NCNO against 277 industry peers in the Software industry. The financial health of NCNO is average, but 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.
- NCNO had a positive operating cash flow in the past year.
- 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 -1.39%, NCNO perfoms like the industry average, outperforming 51.99% of the companies in the same industry.
- The Return On Equity of NCNO (-2.09%) is comparable to the rest of the industry.
- NCNO's Return On Invested Capital of 0.31% is in line compared to the rest of the industry. NCNO outperforms 58.84% of 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
- With a Operating Margin value of 0.90%, NCNO perfoms like the industry average, outperforming 59.93% of the companies in the same industry.
- With a Gross Margin value of 60.33%, NCNO is not doing good in the industry: 62.82% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NCNO 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 3.25 indicates that NCNO is not in any danger for bankruptcy at the moment.
- The Altman-Z score of NCNO (3.25) is better than 63.54% 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's Debt to FCF ratio of 4.27 is in line compared to the rest of the industry. NCNO outperforms 59.93% of 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.
- 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 | 3.25 |
ROIC/WACC0.03
WACC11.04%
2.3 Liquidity
- A Current Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
- The Current ratio of NCNO (1.01) is worse than 74.37% of its industry peers.
- A Quick Ratio of 1.01 indicates that NCNO should not have too much problems paying its short term obligations.
- NCNO has a worse Quick ratio (1.01) than 73.29% 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.
- 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
- 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.
- Based on estimates for the next years, NCNO will show a quite strong growth in Revenue. The Revenue will grow by 9.23% on average per year.
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
- 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
- A Price/Earnings ratio of 29.94 indicates a quite expensive valuation of NCNO.
- NCNO's Price/Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 62.45% of the companies in the same industry.
- When comparing the Price/Earnings ratio of NCNO to the average of the S&P500 Index (27.38), we can say NCNO is valued inline with the index average.
- The Price/Forward Earnings ratio is 23.15, which indicates a rather expensive current valuation of NCNO.
- Based on the Price/Forward Earnings ratio, NCNO is valued a bit cheaper than the industry average as 66.43% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. NCNO is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.94 | ||
| Fwd PE | 23.15 |
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.
- The rest of the industry has a similar Price/Free Cash Flow ratio as NCNO.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 46.57 | ||
| EV/EBITDA | 62.06 |
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.
- A more expensive valuation may be justified as NCNO's earnings are expected to grow with 24.40% in the coming years.
PEG (NY)0.75
PEG (5Y)N/A
EPS Next 2Y25.97%
EPS Next 3Y24.4%
5. Dividend
5.1 Amount
- NCNO does not give a dividend.
| 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 Change0.04%
Ins Owners1.23%
Ins Owner Change-0.34%
Market Cap2.78B
Revenue(TTM)586.49M
Net Income(TTM)-21.77M
Analysts77.5
Price Target35.39 (45.94%)
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)-2.59%
PT rev (3m)-3.74%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)9.49%
EPS NY rev (1m)15.24%
EPS NY rev (3m)15.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.54%
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 | 62.06 |
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 | 3.25 |
F-Score5
WACC11.04%
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.