nCino Inc (NCNO)vsSnowflake Inc. (SNOW)
NCNO
nCino Inc
$21.70
-0.96%
TECHNOLOGY · Cap: $2.30B
SNOW
Snowflake Inc.
$331.02
+2.49%
TECHNOLOGY · Cap: $116.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Snowflake Inc. generates 773% more annual revenue ($5.43B vs $622.24M). NCNO leads profitability with a 5.4% profit margin vs -20.1%. NCNO earns a higher WallStSmart Score of 49/100 (D+).
NCNO
Hold49
out of 100
Grade: D+
SNOW
Avoid33
out of 100
Grade: F
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
+56.2%
Fair Value
$408.16
Current Price
$331.02
$77.14 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 147.6% YoY
Reasonable price relative to book value
Revenue surging 35.1% year-over-year
Large-cap with strong market position
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
0.0% earnings growth
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : NCNO
The strongest argument for NCNO centers on EPS Growth, Price/Book.
Bull Case : SNOW
The strongest argument for SNOW centers on Revenue Growth, Market Cap. Revenue growth of 35.1% demonstrates continued momentum.
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 : SNOW
The primary concerns for SNOW are EPS Growth, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
NCNO profiles as a value stock while SNOW is a hypergrowth play — different risk/reward profiles.
SNOW carries more volatility with a beta of 1.33 — expect wider price swings.
SNOW is growing revenue faster at 35.1% — sustainability is the question.
SNOW generates stronger free cash flow (84M), providing more financial flexibility.
Bottom Line
NCNO scores higher overall (49/100 vs 33/100). SNOW offers better value entry with a 56.2% margin of safety. Both earn "Hold" and "Avoid" 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.
Snowflake Inc.
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Snowflake Inc. provides a cloud-based data platform in the United States and internationally. The company is headquartered in San Mateo, California.
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