WallStSmart

nCino Inc (NCNO)vsSony Group Corp (SONY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sony Group Corp generates 2045545% more annual revenue ($12.48T vs $610.06M). NCNO leads profitability with a 2.2% profit margin vs -2.6%. SONY trades at a lower P/E of 19.8x. NCNO earns a higher WallStSmart Score of 52/100 (C-).

NCNO

Buy

52

out of 100

Grade: C-

Growth: 8.0Profit: 4.5Value: 5.7Quality: 5.3
Piotroski: 5/9

SONY

Hold

47

out of 100

Grade: D+

Growth: 5.3Profit: 4.0Value: 5.0Quality: 7.0
Piotroski: 5/9Altman Z: 2.44
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NCNOUndervalued (+69.3%)

Margin of Safety

+69.3%

Fair Value

$57.29

Current Price

$14.92

$42.37 discount

UndervaluedFair: $57.29Overvalued

Intrinsic value data unavailable for SONY.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NCNO2 strengths · Avg: 9.0/10
EPS GrowthGrowth
147.6%10/10

Earnings expanding 147.6% YoY

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

SONY5 strengths · Avg: 8.8/10
Free Cash FlowQuality
$379.67B10/10

Generating 379.7B in free cash flow

Market CapQuality
$124.55B9/10

Large-cap with strong market position

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.4%8/10

15.4% revenue growth

Areas to Watch

NCNO4 concerns · Avg: 2.8/10
Market CapQuality
$1.68B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.8%3/10

ROE of 1.8% — below average capital efficiency

Profit MarginProfitability
2.2%3/10

2.2% margin — thin

P/E RatioValuation
127.7x2/10

Premium valuation, high expectations priced in

SONY4 concerns · Avg: 2.3/10
PEG RatioValuation
1.924/10

Expensive relative to growth rate

Return on EquityProfitability
-4.2%2/10

ROE of -4.2% — below average capital efficiency

EPS GrowthGrowth
-57.5%2/10

Earnings declined 57.5%

Profit MarginProfitability
-2.6%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : NCNO

The strongest argument for NCNO centers on EPS Growth, Price/Book. Revenue growth of 10.6% demonstrates continued momentum.

Bull Case : SONY

The strongest argument for SONY centers on Free Cash Flow, Market Cap, Debt/Equity. Revenue growth of 15.4% demonstrates continued momentum.

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 : SONY

The primary concerns for SONY are PEG Ratio, Return on Equity, EPS Growth.

Key Dynamics to Monitor

NCNO profiles as a value stock while SONY is a growth play — different risk/reward profiles.

SONY carries more volatility with a beta of 0.74 — expect wider price swings.

SONY is growing revenue faster at 15.4% — sustainability is the question.

SONY generates stronger free cash flow (379.7B), providing more financial flexibility.

Bottom Line

NCNO scores higher overall (52/100 vs 47/100) and 10.6% revenue growth. 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.

Sony Group Corp

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Sony Group Corporation designs, develops, produces and sells electronic equipment, instruments and devices for the consumer, professional and industrial markets worldwide. The company is headquartered in Tokyo, Japan.

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