ScoreWhy is nCino, Inc. ?
1
With a growth in Operating Profit of 66.97%, the company declared Very Positive results in Jul 26
- The company has declared positive results for the last 4 consecutive quarters
- PRE-TAX PROFIT(Q) At USD 8.42 MM has Grown at 975.65%
- OPERATING CASH FLOW(Y) Highest at USD 133.61 MM
- ROCE(HY) Highest at 3.38%
2
With ROE of 0.14%, it has a very attractive valuation with a 1.54 Price to Book Value
- Over the past year, while the stock has generated a return of -34.41%, its profits have risen by 123.8% ; the PEG ratio of the company is 9
3
Rising Promoter Confidence
- Promoters have increased their stake in the company by 1.86% over the previous quarter and currently hold 7.41% of the company
- Promoters increasing their stake is a sign of high confidence in the future of the business
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -34.41% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to nCino, Inc. should be less than 10%
- Overall Portfolio exposure to Software Products should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is nCino, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
nCino, Inc.
-34.41%
-0.69
52.58%
S&P 500
15.76%
1.20
13.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.79%
EBIT Growth (5y)
18.21%
EBIT to Interest (avg)
-23.08
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0.08
Sales to Capital Employed (avg)
0.44
Tax Ratio
25.37%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
1116
Industry P/E
Price to Book Value
1.54
EV to EBIT
144.82
EV to EBITDA
31.92
EV to Capital Employed
1.49
EV to Sales
2.95
PEG Ratio
9.02
Dividend Yield
NA
ROCE (Latest)
1.03%
ROE (Latest)
0.14%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
Bearish
OBV
Mildly Bullish
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
PRE-TAX PROFIT(Q)
At USD 8.42 MM has Grown at 975.65%
OPERATING CASH FLOW(Y)
Highest at USD 133.61 MM
ROCE(HY)
Highest at 3.38%
NET PROFIT(Q)
At USD 0 MM has Grown at 100%
RAW MATERIAL COST(Y)
Fallen by -7.17% (YoY
NET SALES(Q)
Highest at USD 161 MM
-8What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 27.45 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 0 times
INTEREST(Q)
Highest at USD 5.21 MM
OPERATING PROFIT(Q)
Lowest at USD 0 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 0 %
Here's what is working for nCino, Inc.
Pre-Tax Profit
At USD 8.42 MM has Grown at 975.65%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 5.48 MM has Grown at 247.72%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Profit
At USD 0 MM has Grown at 100%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 133.61 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 161 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Raw Material Cost
Fallen by -7.17% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for nCino, Inc.
Interest
At USD 5.21 MM has Grown at 16.36%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at 27.45 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Interest
Highest at USD 5.21 MM
in the last five periods and Increased by 16.36% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Operating Profit
Lowest at USD 0 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 0 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Debtors Turnover Ratio
Lowest at 0 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
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