24.64 USD
+0.02 (+0.08%)
24.64 USD
0 (0%)
NCNO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 280 industry peers in the Software industry. While NCNO seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, NCNO is valued expensive at the moment.
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.
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 (-2.08%) which is in line with its industry peers.
The Return On Equity of NCNO (-3.18%) is comparable to the rest of the industry.
| 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
With a Gross Margin value of 60.23%, NCNO is not doing good in the industry: 63.21% of the companies in the same industry are doing better.
NCNO's Gross Margin has improved in the last couple of years.
NCNO does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| 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.
Compared to 5 years ago, NCNO has more shares outstanding
Compared to 1 year ago, NCNO has a worse debt to assets ratio.
2.2 Solvency
NCNO has an Altman-Z score of 3.07. This indicates that NCNO is financially healthy and has little risk of bankruptcy at the moment.
With a decent Altman-Z score value of 3.07, NCNO is doing good in the industry, outperforming 60.71% of the companies in the same industry.
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.
The Debt to FCF ratio of NCNO (4.28) is comparable to the rest of the 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 (0.24) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 4.28 | ||
| Altman-Z | 3.07 |
ROIC/WACCN/A
WACC10.96%
2.3 Liquidity
NCNO has a Current Ratio of 1.03. This is a normal value and indicates that NCNO is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of NCNO (1.03) is worse than 73.93% of its industry peers.
A Quick Ratio of 1.03 indicates that NCNO should not have too much problems paying its short term obligations.
The Quick ratio of NCNO (1.03) is worse than 72.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.41% over the past year.
The Revenue has grown by 13.24% 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)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 23.95% yearly.
NCNO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.37% yearly.
EPS Next Y21.31%
EPS Next 2Y23.15%
EPS Next 3Y23.95%
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
NCNO is valuated quite expensively with a Price/Earnings ratio of 34.70.
The rest of the industry has a similar Price/Earnings ratio as NCNO.
When comparing the Price/Earnings ratio of NCNO to the average of the S&P500 Index (26.15), we can say NCNO is valued slightly more expensively.
A Price/Forward Earnings ratio of 24.62 indicates a rather expensive 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 65.71% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. NCNO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.7 | ||
| Fwd PE | 24.62 |
4.2 Price Multiples
NCNO's Enterprise Value to EBITDA is on the same level as the industry average.
NCNO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.74 | ||
| EV/EBITDA | 89.56 |
4.3 Compensation for Growth
NCNO's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as NCNO's earnings are expected to grow with 23.95% in the coming years.
PEG (NY)1.63
PEG (5Y)N/A
EPS Next 2Y23.15%
EPS Next 3Y23.95%
5. Dividend
5.1 Amount
NCNO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
24.64
+0.02 (+0.08%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners116.89%
Inst Owner Change-3.57%
Ins Owners1.44%
Ins Owner Change1.57%
Market Cap2.85B
Revenue(TTM)573.12M
Net Income(TTM)-33.56M
Analysts76.52
Price Target36.76 (49.19%)
Short Float %10.93%
Short Ratio6.57
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)12.89%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.09%
EPS NY rev (1m)0%
EPS NY rev (3m)10.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.7 | ||
| Fwd PE | 24.62 | ||
| P/S | 4.98 | ||
| P/FCF | 47.74 | ||
| P/OCF | 42.08 | ||
| P/B | 2.7 | ||
| P/tB | N/A | ||
| EV/EBITDA | 89.56 |
EPS(TTM)0.71
EY2.88%
EPS(NY)1
Fwd EY4.06%
FCF(TTM)0.52
FCFY2.09%
OCF(TTM)0.59
OCFY2.38%
SpS4.95
BVpS9.13
TBVpS-1.43
PEG (NY)1.63
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 | 3.07 |
F-Score4
WACC10.96%
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 3Y23.95%
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 3Y25.69%
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.