NCINO INC (NCNO) Fundamental Analysis & Valuation

NASDAQ:NCNO • US63947X1019

Current stock price

18.045 USD
-0.18 (-1.01%)
Last:

This NCNO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. NCNO Profitability Analysis

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 reported 4 times negative net income.
  • In multiple years NCNO reported negative operating cash flow during the last 5 years.
NCNO Yearly Net Income VS EBIT VS OCF VS FCFNCNO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 50M -50M -100M

1.2 Ratios

  • NCNO has a Return On Assets of 0.31%. This is comparable to the rest of the industry: NCNO outperforms 58.82% of its industry peers.
  • With a decent Return On Equity value of 0.49%, NCNO is doing good in the industry, outperforming 60.66% of the companies in the same industry.
  • NCNO's Return On Invested Capital of 0.81% is in line compared to the rest of the industry. NCNO outperforms 59.56% of its industry peers.
Industry RankSector Rank
ROA 0.31%
ROE 0.49%
ROIC 0.81%
ROA(3y)-1.73%
ROA(5y)-3.35%
ROE(3y)-2.34%
ROE(5y)-4.34%
ROIC(3y)N/A
ROIC(5y)N/A
NCNO Yearly ROA, ROE, ROICNCNO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 -10 -20 -30

1.3 Margins

  • NCNO has a Profit Margin (0.87%) which is in line with its industry peers.
  • NCNO has a better Operating Margin (2.32%) than 63.97% of its industry peers.
  • NCNO has a Gross Margin of 60.76%. This is in the lower half of the industry: NCNO underperforms 61.40% of its industry peers.
  • In the last couple of years the Gross Margin of NCNO has remained more or less at the same level.
Industry RankSector Rank
OM 2.32%
PM (TTM) 0.87%
GM 60.76%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.25%
GM growth 5Y1.33%
NCNO Yearly Profit, Operating, Gross MarginsNCNO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 20 -20 40 60

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3

2. NCNO Health Analysis

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 reduced 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.
NCNO Yearly Shares OutstandingNCNO Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
NCNO Yearly Total Debt VS Total AssetsNCNO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B

2.2 Solvency

  • An Altman-Z score of 2.18 indicates that NCNO is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • NCNO's Altman-Z score of 2.18 is in line compared to the rest of the industry. NCNO outperforms 56.25% of its industry peers.
  • NCNO has a debt to FCF ratio of 3.21. This is a good value and a sign of high solvency as NCNO would need 3.21 years to pay back of all of its debts.
  • NCNO's Debt to FCF ratio of 3.21 is fine compared to the rest of the industry. NCNO outperforms 62.50% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that NCNO is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.25, NCNO is in line with its industry, outperforming 43.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.21
Altman-Z 2.18
ROIC/WACC0.08
WACC10.56%
NCNO Yearly LT Debt VS Equity VS FCFNCNO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • NCNO has a Current Ratio of 1.00. This is a bad value and indicates that NCNO is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of NCNO (1.00) is worse than 76.47% of its industry peers.
  • NCNO has a Quick Ratio of 1.00. This is a bad value and indicates that NCNO is not financially healthy enough and could expect problems in meeting its short term obligations.
  • NCNO's Quick ratio of 1.00 is on the low side compared to the rest of the industry. NCNO is outperformed by 75.37% of its industry peers.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
NCNO Yearly Current Assets VS Current LiabilitesNCNO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. NCNO Growth Analysis

3.1 Past

  • NCNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.33%, which is quite impressive.
  • NCNO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.01%.
  • The Revenue has been growing by 23.83% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)33.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.33%
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%

3.2 Future

  • The Earnings Per Share is expected to grow by 22.09% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, NCNO will show a quite strong growth in Revenue. The Revenue will grow by 8.50% on average per year.
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y22.09%
EPS Next 5YN/A
Revenue Next Year7.78%
Revenue Next 2Y8.37%
Revenue Next 3Y8.5%
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.
NCNO Yearly Revenue VS EstimatesNCNO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 200M 400M 600M
NCNO Yearly EPS VS EstimatesNCNO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 0.5 1 1.5

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Find the best growth stocksShow best growing peers

6

4. NCNO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 20.51, which indicates a rather expensive current valuation of NCNO.
  • NCNO's Price/Earnings ratio is a bit cheaper when compared to the industry. NCNO is cheaper than 69.85% of the companies in the same industry.
  • NCNO is valuated rather cheaply when we compare the Price/Earnings ratio to 27.66, which is the current average of the S&P500 Index.
  • 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 73.90% of the companies listed in the same industry.
  • NCNO is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.00, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.51
Fwd PE 15.1
NCNO Price Earnings VS Forward Price EarningsNCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 62.13% of the companies in the same industry are more expensive than NCNO, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, NCNO is valued a bit cheaper than 66.18% of the companies in the same industry.
Industry RankSector Rank
P/FCF 25.03
EV/EBITDA 40.39
NCNO Per share dataNCNO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

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.
  • A more expensive valuation may be justified as NCNO's earnings are expected to grow with 22.09% in the coming years.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y26.91%
EPS Next 3Y22.09%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. NCNO Dividend Analysis

5.1 Amount

  • No dividends for NCNO!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

NCNO Fundamentals: All Metrics, Ratios and Statistics

NCINO INC

NASDAQ:NCNO (4/22/2026, 3:57:06 PM)

18.045

-0.18 (-1.01%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)03-31
Earnings (Next)05-29
Inst Owners109.84%
Inst Owner Change0.01%
Ins Owners1.2%
Ins Owner Change-3.57%
Market Cap2.07B
Revenue(TTM)594.78M
Net Income(TTM)5.18M
Analysts77.5
Price Target25.11 (39.15%)
Short Float %12.5%
Short Ratio4.64
Dividend
Industry RankSector 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)1
Avg EPS beat(2)20.62%
Min EPS beat(2)-10.67%
Max EPS beat(2)51.91%
EPS beat(4)2
Avg EPS beat(4)23.52%
Min EPS beat(4)-10.67%
Max EPS beat(4)54.77%
EPS beat(8)5
Avg EPS beat(8)16.4%
EPS beat(12)9
Avg EPS beat(12)23.93%
EPS beat(16)13
Avg EPS beat(16)37.55%
Revenue beat(2)1
Avg Revenue beat(2)-2.23%
Min Revenue beat(2)-6.21%
Max Revenue beat(2)1.74%
Revenue beat(4)3
Avg Revenue beat(4)-0.54%
Min Revenue beat(4)-6.21%
Max Revenue beat(4)1.91%
Revenue beat(8)3
Avg Revenue beat(8)-0.82%
Revenue beat(12)3
Avg Revenue beat(12)-0.93%
Revenue beat(16)6
Avg Revenue beat(16)-0.48%
PT rev (1m)-28.57%
PT rev (3m)-29.05%
EPS NQ rev (1m)17.96%
EPS NQ rev (3m)18.28%
EPS NY rev (1m)14.26%
EPS NY rev (3m)14.1%
Revenue NQ rev (1m)1.41%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 20.51
Fwd PE 15.1
P/S 3.47
P/FCF 25.03
P/OCF 22.95
P/B 1.96
P/tB N/A
EV/EBITDA 40.39
EPS(TTM)0.88
EY4.88%
EPS(NY)1.19
Fwd EY6.62%
FCF(TTM)0.72
FCFY3.99%
OCF(TTM)0.79
OCFY4.36%
SpS5.19
BVpS9.22
TBVpS-1.38
PEG (NY)0.57
PEG (5Y)N/A
Graham Number13.511 (-25.13%)
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 0.49%
ROCE 1.02%
ROIC 0.81%
ROICexc 0.86%
ROICexgc 21.12%
OM 2.32%
PM (TTM) 0.87%
GM 60.76%
FCFM 13.88%
ROA(3y)-1.73%
ROA(5y)-3.35%
ROE(3y)-2.34%
ROE(5y)-4.34%
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 3Y1.25%
GM growth 5Y1.33%
F-Score7
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 3.21
Debt/EBITDA 4.71
Cap/Depr 17.75%
Cap/Sales 1.26%
Interest Coverage 0.86
Cash Conversion 160.66%
Profit Quality 1593.9%
Current Ratio 1
Quick Ratio 1
Altman-Z 2.18
F-Score7
WACC10.56%
ROIC/WACC0.08
Cap/Depr(3y)10.85%
Cap/Depr(5y)28.33%
Cap/Sales(3y)0.83%
Cap/Sales(5y)1.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.33%
EPS Next Y35.79%
EPS Next 2Y26.91%
EPS Next 3Y22.09%
EPS Next 5YN/A
Revenue 1Y (TTM)10.01%
Revenue growth 3Y13.36%
Revenue growth 5Y23.83%
Sales Q2Q%0%
Revenue Next Year7.78%
Revenue Next 2Y8.37%
Revenue Next 3Y8.5%
Revenue Next 5YN/A
EBIT growth 1Y177.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year34.87%
EBIT Next 3Y26.01%
EBIT Next 5YN/A
FCF growth 1Y55.98%
FCF growth 3YN/A
FCF growth 5Y76.07%
OCF growth 1Y63.16%
OCF growth 3YN/A
OCF growth 5Y57.75%

NCINO INC / NCNO Fundamental Analysis 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 6 / 10 to NCINO INC (NCNO). This can be considered as Fairly Valued.


How profitable is NCINO INC (NCNO) stock?

NCINO INC (NCNO) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for NCNO stock?

The Price/Earnings (PE) ratio for NCINO INC (NCNO) is 20.51 and the Price/Book (PB) ratio is 1.96.


What is the earnings growth outlook for NCINO INC?

The Earnings per Share (EPS) of NCINO INC (NCNO) is expected to grow by 35.79% in the next year.