Market Cap
US$6.7b
Last Updated
2021/04/11 22:39 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
Earnings are forecast to decline by an average of 0.9% per year for the next 3 years
Currently unprofitable and not forecast to become profitable over the next 3 years
Snowflake Analysis
Flawless balance sheet with concerning outlook.
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: NCNO's weekly volatility (8%) has been stable over the past year.
Market Performance
7 Day Return
1.8%
NCNO
4.2%
US Software
2.1%
US Market
1 Year Return
n/a
NCNO
64.1%
US Software
56.3%
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 | 1.8% | 4.2% | 2.1% |
| 30 Day | 1.3% | 5.7% | 2.4% |
| 90 Day | -1.0% | 7.6% | 6.8% |
| 1 Year | n/a | 65.3%64.1% | 59.1%56.3% |
| 3 Year | n/a | 145.3%138.0% | 65.7%55.1% |
| 5 Year | n/a | 303.9%281.4% | 122.3%97.7% |
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 week ago | Simply Wall St
nCino, Inc. (NASDAQ:NCNO) Just Reported Earnings, And Analysts Cut Their Target Price1 month ago | Simply Wall St
What Is The Ownership Structure Like For nCino, Inc. (NASDAQ:NCNO)?2 months ago | Simply Wall St
Don't Ignore The Fact That This Insider Just Sold Some Shares In nCino, Inc. (NASDAQ:NCNO)Valuation
Is nCino undervalued compared to its fair value and its price relative to the market?
15.55x
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 (15.5x) compared to the US Software industry average (8.8x).
Future Growth
How is nCino forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
-0.9%
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 (19.8% per year) is forecast to grow faster than the US market (9.9% per year).
High Growth Revenue: NCNO's revenue (19.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: NCNO's Return on Equity is forecast to be low in 3 years time (2.2%).
Past Performance
How has nCino performed over the past 5 years?
-46.8%
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 (16.3%).
Return on Equity
High ROE: NCNO has a negative Return on Equity (-9.62%), as it is currently unprofitable.
Financial Health
How is nCino's financial position?
Financial Position Analysis
Short Term Liabilities: NCNO's short term assets ($442.2M) exceed its short term liabilities ($115.7M).
Long Term Liabilities: NCNO's short term assets ($442.2M) exceed its long term liabilities ($18.7M).
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 77.5% per year.
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?
5.5yrs
Average management tenure
CEO
Pierre Naude (61 yo)
9.25yrs
Tenure
US$2,813,057
Compensation
Mr. Pierre Naude has been an Independent Director of Thoma Bravo Advantage since January 14, 2021. He is the Co-Founder and President of nCino, Inc. and has been its Chief Executive Officer since 2012. Mr....
CEO Compensation Analysis
Compensation vs Market: Pierre's total compensation ($USD2.81M) is below average for companies of similar size in the US market ($USD6.40M).
Compensation vs Earnings: Insufficient data to compare Pierre's compensation with company performance.
Leadership Team
Experienced Management: NCNO's management team is seasoned and experienced (5.5 years average tenure).
Board Members
Experienced Board: NCNO's board of directors are not considered experienced ( 2.7 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$6.662b
- Shares outstanding: 94.37m
- Website: https://www.ncino.com
Number of Employees
Location
- nCino, Inc.
- 6770 Parker Farm Drive
- Wilmington
- North Carolina
- 28405
- United States
Listings
Biography
nCino, Inc., a software-as-a-service company, provides cloud-based software applications for financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/11 22:39 |
| End of Day Share Price | 2021/04/09 00:00 |
| Earnings | 2021/01/31 |
| Annual Earnings | 2021/01/31 |
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.