nCino Inc (NCNO) Stock Analysis
Verdict: HOLD
NCNO offers expanding FCF and bank SaaS adoption, but its steep TTM P/E of 161x and weak 0.89 current ratio leave narrow error margin.
Investment score: 55/100
Analysis as of
Is nCino Inc stock worth reviewing? AI model thesis
The model maintains a Hold stance on nCino Inc at $20.95, citing strong cash flow acceleration offset by an elevated trailing P/E multiple and insider selling pressure.
7-factor investment score
- Valuation: 40/100 (weight 20%)
- Financial Health: 62/100 (weight 15%)
- Technical Momentum: 45/100 (weight 15%)
- Earnings Quality: 82/100 (weight 15%)
- Insider Sentiment: 25/100 (weight 10%)
- Analyst Consensus: 75/100 (weight 10%)
- Risk-Adjusted Return: 55/100 (weight 15%)
nCino Inc opportunities and risks
What speaks for NCNO
- Free Cash Flow Expansion
What speaks against NCNO
- Elevated Trailing Earnings Multiple
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| NCNO | 161.2x | 3.8x | 35.0x | 60.7% | 2.2% | 4.8% |
| SPSC | 39.1x | 3.8x | 15.1x | 69.8% | 10.1% | 6.8% |
| ALRM | 24.2x | 2.7x | 13.8x | 63.4% | 11.1% | 8.3% |
| AVPT | 39.6x | 6.0x | 33.6x | 73.4% | 15.3% | 3.6% |
| NN | n/a | 541.7x | n/a | -178.7% | -2812.5% | -2.5% |
| FIVN | 43.1x | 2.1x | 15.2x | 54.7% | 4.9% | 7.9% |
| Peer median | 39.1x | 3.8x | 15.1x | 63.4% | 10.1% | 6.8% |
Frequently asked questions about nCino Inc (NCNO)
Is NCNO stock a good investment?
The cached TradeMates AI model rates nCino Inc as HOLD with an investment score of 55/100. The model maintains a Hold stance on nCino Inc at $20.95, citing strong cash flow acceleration offset by an elevated trailing P/E multiple and insider selling pressure. This is algorithmic model output, not personal investment advice.
Is NCNO stock a buy?
The TradeMates model verdict for NCNO is HOLD with an investment score of 55/100. Treat this as a model signal to review, not a personal buy recommendation.