Which Is a Better Investment, nCino, Inc. or SentinelOne, Inc. Stock?
Learn more about whether nCino, Inc. or SentinelOne, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Tudor Pop
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COMPANY SUMMARY
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
Commentary & Analysis
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Is nCino, Inc. (NCNO) Overvalued?
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Why nCino, Inc.’s (NCNO) Stock Is Up 6.29%
As of Tuesday, July 28, nCino, Inc.’s NCNO share price has surged by 6.29%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Financial Summary
| Share Statistics | NCNO | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $2,259.0 | $1,092.1 | 55% |
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| Shares Out (Mil) | 109.5 | 78.5 | 64% |
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| Institutional Ownership | 97.1% | 80.9% | 72% |
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| Float (Mil) | 91.6 | 53.1 | 59% |
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| Beta | 0.72 | 1.01 | 43% |
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| Avg Daily Volume (000s) | 2,130 | 793 | 83% |
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| Price Change (52-week) |
(26.0%) | 57.8% | 25% |
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| Growth | NCNO | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 23.8% | 14.8% | 85% |
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| Net Income (5yr) | 16.3% | 10.1% | 66% |
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| EPS (5yr) | 16.0% | 16.1% | 59 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | (15.9%) | (15.4%) | 46% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 14 | 14 | 14 | |
| Current EPS | $0.266 | $1.253 | $1.495 | |
| Month Ago EPS | $0.267 | $1.251 | $1.490 | |
| # Rev Up | 0 | 1 | 0 | |
| # Rev Down | 1 | 0 | 1 | |
| Three Months Ago EPS | $0.276 | $1.201 | $1.421 | |
| Year/Year Chg | 121.7% | 2,624% | 3,604% | |
| Financials | NCNO | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $610 | $345 | 43% |
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| Net Income (TTM) (Mil) | $13 | ($2) | 47% |
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| EPS (TTM) | $0.119 | ($0.100) | 44% |
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| Operating Cash Flow (TTM) (Mil) | $117 | $30 | 53% |
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| Net Cash Flow (TTM) (Mil) | ($30) | $1 | 23% |
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| Long-Term Debt (Q1) (Mil) | $312 | $34 | 54% |
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| Enterprise Value (Q1) (Mil) | $1,974 | $1,096 | 49% |
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| Valuation | NCNO | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.31 | 3.41 | 55% |
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| P/E | 177.8 | 39.1 | 97% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | 11.1 | 2.1 | 95% |
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| Ratios | NCNO | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 61.6% | 69.8% | 74% |
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| Net Margin | 2.2% | 0.5% | 39% |
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| ROA | 0.8% | (1.2%) | 44% |
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| ROE | 1.3% | 1.2% | 37% |
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| Liabilities to Assets | 38.8% | 47.5% | 29% |
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| F-Score | 8 | 5 | 93% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.2% |
| +/- S&P 500: | +5.7 |
