nCino Inc (NCNO)vsSAP SE ADR (SAP)
NCNO
nCino Inc
$21.70
-0.96%
TECHNOLOGY · Cap: $2.30B
SAP
SAP SE ADR
$213.20
-1.15%
TECHNOLOGY · Cap: $248.28B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 6038% more annual revenue ($38.19B vs $622.24M). SAP leads profitability with a 20.4% profit margin vs 5.4%. SAP trades at a lower P/E of 27.8x. SAP earns a higher WallStSmart Score of 64/100 (C+).
NCNO
Hold49
out of 100
Grade: D+
SAP
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.3%
Fair Value
$57.25
Current Price
$21.70
$35.55 discount
Margin of Safety
-29.9%
Fair Value
$151.18
Current Price
$213.20
$62.02 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 147.6% YoY
Reasonable price relative to book value
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Keeps 20 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 27.6%
Earnings expanding 30.6% YoY
Areas to Watch
ROE of 1.8% — below average capital efficiency
5.4% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
Expensive relative to growth rate
Moderate valuation
Trading at 67.0x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : NCNO
The strongest argument for NCNO centers on EPS Growth, Price/Book.
Bull Case : SAP
The strongest argument for SAP centers on Market Cap, Altman Z-Score, Profit Margin. Profitability is solid with margins at 20.4% and operating margin at 27.6%.
Bear Case : NCNO
The primary concerns for NCNO are Return on Equity, Profit Margin, P/E Ratio. A P/E of 72.4x leaves little room for execution misses.
Bear Case : SAP
The primary concerns for SAP are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
NCNO profiles as a value stock while SAP is a mature play — different risk/reward profiles.
SAP carries more volatility with a beta of 0.78 — expect wider price swings.
SAP is growing revenue faster at 9.4% — sustainability is the question.
SAP generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
SAP scores higher overall (64/100 vs 49/100), backed by strong 20.4% margins. NCNO offers better value entry with a 69.3% margin of safety. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
nCino Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
nCino, Inc., a software as a service company, provides cloud-based software applications for financial institutions in the United States and internationally. The company is headquartered in Wilmington, North Carolina.
SAP SE ADR
TECHNOLOGY · SOFTWARE - APPLICATION · USA
SAP SE is a global enterprise application software company. The company is headquartered in Walldorf, Germany.
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