nCino, Inc. Fundamental Analysis (NASDAQ: NCNO)
nCino, Inc. (NASDAQ: NCNO) shows weak financial fundamentals with a PE ratio of 138.12, profit margin of 2.17%, and ROE of 1.29%. The company generates $0.6B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 31.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze NCNO's fundamental strength across five key dimensions:
Efficiency Score
WeakNCNO struggles to generate sufficient returns from assets.
Valuation Score
ModerateNCNO shows balanced valuation metrics.
Growth Score
ModerateNCNO shows steady but slowing expansion.
Financial Health Score
ModerateNCNO shows balanced financial health with some risks.
Profitability Score
ModerateNCNO maintains healthy but balanced margins.
Key Financial Metrics
Is NCNO Expensive or Cheap?
P/E Ratio
NCNO trades at 138.12 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, NCNO's PEG of 0.24 indicates potential undervaluation.
Price to Book
The market values nCino, Inc. at 2.01 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 24.23 times EBITDA. This signals the market has high growth expectations.
How Well Does NCNO Make Money?
Net Profit Margin
For every $100 in sales, nCino, Inc. keeps $2.17 as profit after all expenses.
Operating Margin
Core operations generate 4.47 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.29 in profit for every $100 of shareholder equity.
ROA
nCino, Inc. generates $0.82 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
nCino, Inc. produces operating cash flow of $118.28M, showing steady but balanced cash generation.
Free Cash Flow
nCino, Inc. generates strong free cash flow of $111.83M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.02 in free cash annually.
FCF Yield
NCNO converts 5.69% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
138.12
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.24
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.008
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.22
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.34
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.89
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.01
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How NCNO Stacks Against Its Sector Peers
| Metric | NCNO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 138.12 | 35.27 | Worse (Expensive) |
| ROE | 1.29% | 703.00% | Weak |
| Net Margin | 2.17% | -137673.00% (disorted) | Weak |
| Debt/Equity | 0.34 | 0.45 | Strong (Low Leverage) |
| Current Ratio | 0.89 | 3.38 | Weak Liquidity |
| ROA | 0.82% | 259.00% | Weak |
NCNO outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews nCino, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Growth, Innovation, High Beta
EPS CAGR
N/A
Industry Style: Growth, Innovation, High Beta
FCF CAGR
N/A
Industry Style: Growth, Innovation, High Beta