WallStSmart

nCino Inc (NCNO)vsSony Group Corp (SONY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sony Group Corp generates 2214209% more annual revenue ($13.17T vs $594.78M). NCNO leads profitability with a 0.9% profit margin vs -1.6%. SONY trades at a lower P/E of 15.6x. SONY earns a higher WallStSmart Score of 47/100 (D+).

NCNO

Hold

40

out of 100

Grade: D

Growth: 6.0Profit: 4.0Value: 5.7Quality: 5.0

SONY

Hold

47

out of 100

Grade: D+

Growth: 5.3Profit: 5.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NCNOUndervalued (+72.0%)

Margin of Safety

+72.0%

Fair Value

$62.70

Current Price

$17.46

$45.24 discount

UndervaluedFair: $62.70Overvalued

Intrinsic value data unavailable for SONY.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NCNO1 strengths · Avg: 8.0/10
Price/BookValuation
1.9x8/10

Reasonable price relative to book value

SONY4 strengths · Avg: 8.8/10
Free Cash FlowQuality
$898.45B10/10

Generating 898.5B in free cash flow

Market CapQuality
$118.69B9/10

Large-cap with strong market position

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

NCNO4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
0.9%3/10

ROE of 0.9% — below average capital efficiency

Profit MarginProfitability
0.9%3/10

0.9% margin — thin

Operating MarginProfitability
1.6%3/10

Operating margin of 1.6%

SONY3 concerns · Avg: 2.3/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

PEG RatioValuation
2.712/10

Expensive relative to growth rate

Profit MarginProfitability
-1.6%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : NCNO

The strongest argument for NCNO centers on Price/Book.

Bull Case : SONY

The strongest argument for SONY centers on Free Cash Flow, Market Cap, P/E Ratio.

Bear Case : NCNO

The primary concerns for NCNO are EPS Growth, Return on Equity, Profit Margin. A P/E of 349.2x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.

Bear Case : SONY

The primary concerns for SONY are Revenue Growth, PEG Ratio, Profit Margin.

Key Dynamics to Monitor

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

SONY carries more volatility with a beta of 0.75 — expect wider price swings.

NCNO is growing revenue faster at 5.9% — sustainability is the question.

SONY generates stronger free cash flow (898.5B), providing more financial flexibility.

Bottom Line

SONY scores higher overall (47/100 vs 40/100). NCNO offers better value entry with a 72.0% margin of safety. Both earn "Hold" 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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