Market Cap
US$7.0b
Last Updated
2020/11/26 00:09 UTC
Data Sources
Company Financials +
Executive Summary
nCino, Inc., a software- as- a- service company, provides cloud-based software applications for financial institutions in the United States and internationally. More Details
Rewards
Risk Analysis
Currently unprofitable and not forecast to become profitable over the next 3 years
Snowflake Analysis
Flawless balance sheet with limited growth.
Similar Companies
Share Price & News
How has nCino's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: NCNO is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: Insufficient data to determine NCNO's volatility change over the past year.
Market Performance
7 Day Return
8.6%
NCNO
3.1%
US Software
2.8%
US Market
1 Year Return
n/a
NCNO
45.2%
US Software
19.7%
US Market
Return vs Industry: Insufficient data to determine how NCNO performed against the US Software industry.
Return vs Market: Insufficient data to determine how NCNO performed against the US Market.
Shareholder returns
| NCNO | Industry | Market | |
|---|---|---|---|
| 7 Day | 8.6% | 3.1% | 2.8% |
| 30 Day | 10.9% | 4.0% | 8.0% |
| 90 Day | -4.4% | 0.4% | 6.8% |
| 1 Year | n/a | 46.2%45.2% | 22.4%19.7% |
| 3 Year | n/a | 140.9%133.0% | 47.3%37.5% |
| 5 Year | n/a | 216.7%200.0% | 93.6%72.3% |
Long-Term Price Volatility Vs. Market
How volatile is nCino's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall St
This Insider Has Just Sold Shares In nCino, Inc. (NASDAQ:NCNO)Valuation
Is nCino undervalued compared to its fair value and its price relative to the market?
16.99x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate NCNO's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate NCNO's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: NCNO is unprofitable, so we can't compare its PE Ratio to the US Software industry average.
PE vs Market: NCNO is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate NCNO's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: NCNO is overvalued based on its PB Ratio (17x) compared to the US Software industry average (7.9x).
Next Steps
Future Growth
How is nCino forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
2.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: NCNO is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: NCNO is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: NCNO is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: NCNO's revenue (21.6% per year) is forecast to grow faster than the US market (10.2% per year).
High Growth Revenue: NCNO's revenue (21.6% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: NCNO is forecast to be unprofitable in 3 years.
Next Steps
Past Performance
How has nCino performed over the past 5 years?
-40.7%
Last years earnings growth
Earnings and Revenue History
Quality Earnings: NCNO is currently unprofitable.
Growing Profit Margin: NCNO is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if NCNO's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare NCNO's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: NCNO is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (8.9%).
Return on Equity
High ROE: NCNO has a negative Return on Equity (-8.19%), as it is currently unprofitable.
Next Steps
Financial Health
How is nCino's financial position?
Financial Position Analysis
Short Term Liabilities: NCNO's short term assets ($429.6M) exceed its short term liabilities ($100.2M).
Long Term Liabilities: NCNO's short term assets ($429.6M) exceed its long term liabilities ($1.7M).
Debt to Equity History and Analysis
Debt Level: NCNO is debt free.
Reducing Debt: NCNO has not had any debt for past 5 years.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable NCNO has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: NCNO is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 49.2% per year.
Next Steps
Dividend
What is nCino current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate NCNO's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate NCNO's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if NCNO's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if NCNO's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of NCNO's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.1yrs
Average management tenure
CEO
Pierre Naude (61 yo)
8.83yrs
Tenure
US$2,813,057
Compensation
Mr. Pierre Naude is the Co-Founder and President of nCino, Inc. and has been its Chief Executive Officer since 2012. Mr. Naudé has extensive experience in the financial technology industry. Mr. Naude had b...
CEO Compensation Analysis
Compensation vs Market: Pierre's total compensation ($USD2.81M) is below average for companies of similar size in the US market ($USD6.93M).
Compensation vs Earnings: Insufficient data to compare Pierre's compensation with company performance.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 8.83yrs | US$2.81m | 0.55% $ 38.8m | |
| CFO & Treasurer | 1.08yrs | US$2.56m | no data | |
| Chief Revenue Officer | 1.75yrs | US$1.51m | 0.064% $ 4.5m | |
| Co-Founder | no data | no data | no data | |
| Director of Operations | no data | no data | no data | |
| Vice President of Accounting | no data | no data | 0.00093% $ 65.1k | |
| Chief Corporate Development & Legal Officer and Secretary | 5.08yrs | no data | 0.0011% $ 77.0k | |
| Chief Marketing Officer | no data | no data | no data | |
| Chief Customer Success Officer | 7.33yrs | no data | no data | |
| Head of Information Technology | no data | no data | no data | |
| Chief Product Officer | no data | no data | 0.10% $ 7.1m | |
| Executive Vice President of Global Channels & Partners | no data | no data | no data |
5.1yrs
Average Tenure
49yo
Average Age
Experienced Management: NCNO's management team is seasoned and experienced (5.1 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 8.83yrs | US$2.81m | 0.55% $ 38.8m | |
| Independent Director | 5.75yrs | no data | 0% $ 0 | |
| Independent Director | 0.92yr | no data | 0.035% $ 2.5m | |
| Independent Chairman of the Board | no data | no data | 0.37% $ 26.0m | |
| Independent Director | 7.5yrs | no data | 0.39% $ 27.3m | |
| Independent Director | 0.92yr | no data | 0.027% $ 1.9m | |
| Independent Director | 3.58yrs | US$30.00k | 0% $ 0 | |
| Independent Director | 0.92yr | no data | 0% $ 0 |
2.3yrs
Average Tenure
57.5yo
Average Age
Experienced Board: NCNO's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: NCNO insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: NCNO only recently listed within the past 12 months.
Top Shareholders
Company Information
nCino, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: nCino, Inc.
- Ticker: NCNO
- Exchange: NasdaqGS
- Founded: 2011
- Industry: Application Software
- Sector: Software
- Market Cap: US$6.996b
- Shares outstanding: 91.15m
- Website: https://www.ncino.com
Number of Employees
Location
- nCino, Inc.
- 6770 Parker Farm Drive
- Wilmington
- North Carolina
- 28405
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| NCNO | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Jul 2020 |
| 6NC | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Jul 2020 |
| NCNO * | BMV (Bolsa Mexicana de Valores) | Yes | Common Stock | MX | MXN | Jul 2020 |
Biography
nCino, Inc., a software- as- a- service company, provides cloud-based software applications for financial institutions in the United States and internationally. Its operating system offers customer relatio...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/11/26 00:09 |
| End of Day Share Price | 2020/11/25 00:00 |
| Earnings | 2020/07/31 |
| Annual Earnings | 2020/01/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.