nCino Inc (NCNO)vsSAP SE ADR (SAP)
NCNO
nCino Inc
$14.92
-3.43%
TECHNOLOGY · Cap: $1.68B
SAP
SAP SE ADR
$184.77
-1.27%
TECHNOLOGY · Cap: $192.92B
Smart Verdict
WallStSmart Research — data-driven comparison
SAP SE ADR generates 6021% more annual revenue ($37.34B vs $610.06M). SAP leads profitability with a 19.6% profit margin vs 2.2%. SAP trades at a lower P/E of 22.8x. SAP earns a higher WallStSmart Score of 59/100 (C).
NCNO
Buy52
out of 100
Grade: C-
SAP
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.3%
Fair Value
$57.29
Current Price
$14.92
$42.37 discount
Margin of Safety
-34.7%
Fair Value
$145.83
Current Price
$184.77
$38.94 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 147.6% YoY
Reasonable price relative to book value
Strong operational efficiency at 30.0%
Safe zone — low bankruptcy risk
Large-cap with strong market position
Generating 3.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 1.8% — below average capital efficiency
2.2% margin — thin
Premium valuation, high expectations priced in
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : NCNO
The strongest argument for NCNO centers on EPS Growth, Price/Book. Revenue growth of 10.6% demonstrates continued momentum.
Bull Case : SAP
The strongest argument for SAP centers on Operating Margin, Altman Z-Score, Market Cap. Profitability is solid with margins at 19.6% and operating margin at 30.0%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : NCNO
The primary concerns for NCNO are Market Cap, Return on Equity, Profit Margin. A P/E of 127.7x leaves little room for execution misses. Thin 2.2% margins leave little buffer for downturns.
Bear Case : SAP
No major red flags identified for SAP, but monitor valuation.
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 0.73 — expect wider price swings.
NCNO is growing revenue faster at 10.6% — sustainability is the question.
SAP generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
SAP scores higher overall (59/100 vs 52/100), backed by strong 19.6% margins. NCNO offers better value entry with a 69.3% margin of safety. Both earn "Buy" and "Buy" 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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