nCino vs Q2
NCNO and QTWO side by side, both in computer programming, data processing, and other computer related services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How NCNO and QTWO compare
Q2 is the larger company, worth 1.9 times as much as nCino ($4.6B against $2.4B).
On earnings, Q2 is cheaper: it trades at 43.9× trailing earnings, against 74.6× for nCino.
Q2 grew revenue faster over the last twelve months (13.1% versus 8.6% for nCino).
Q2 keeps more of each dollar of sales as profit, with a net margin of 12.7% compared with 5.4% at nCino.
Q2 scores higher on the StockData Score (11 against 10 for nCino), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | NCNO | QTWO |
|---|---|---|
| Size and price | ||
| Market cap | $2.4B | $4.6B |
| Share price | $22.39 | $74.14 |
| Change, 1 year | −14.6% | 1.3% |
| Change, 5 years | −64.2% | −16.7% |
| Beta (5Y) | 1.62 | 1.60 |
| Employees | 1,684 | 2,549 |
| StockData Score | ||
| Total score | 10 | 11 (better) |
| Valuation score | 2 (better) | 0 |
| Growth score | 3 | 4 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 2 | 3 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 74.6× | 43.9× (better) |
| P/S | 3.8× (better) | 5.3× |
| P/B | 2.5× (better) | 7.0× |
| EV/EBITDA | 28.4× (better) | 28.5× |
| P/FCF | 17.9× (better) | 19.7× |
| FCF yield | 5.6% (better) | 5.1% |
| Fair value | $17.06 | $43.51 |
| Margin of safety | −31.3% (better) | −70.4% |
| Growth | ||
| Revenue growth (TTM) | 8.6% | 13.1% (better) |
| Revenue growth, 5Y average | 23.8% (better) | 14.6% |
| Net income growth (TTM) | – | 247% |
| EPS growth (TTM) | – | 252% |
| Profitability | ||
| Gross margin | 62.2% (better) | 58.4% |
| Operating margin | 7.9% | 12.4% (better) |
| Net margin | 5.4% | 12.7% (better) |
| FCF margin | 21.2% | 26.8% (better) |
| Return on equity | 3.4% | 17.2% (better) |
| Return on invested capital | 3.8% | 34.7% (better) |
| Financial health | ||
| Debt / equity | 0.30 | – |
| Net debt / EBITDA | 2.13 | – |
| Interest coverage | 2.7× | 35.5× (better) |
| Current ratio | 0.85 | 1.01 (better) |
| Altman Z-score | 2.42 | 8.43 (better) |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Buyback yield | 10.1% (better) | 3.6% |
| Shareholder yield | 10.1% (better) | 3.6% |
| Ownership | ||
| Held by institutions | 121% | 108% |
| Held by insiders | 23.8% | 3.2% |
| Insider net buying, 12 months | −$8.9M (better) | −$31.4M |
| Short interest, % of float | 22.1% | 8.0% |
Go deeper
- NCNO stock overview
- NCNO income statement
- NCNO valuation and score
- QTWO stock overview
- QTWO income statement
- QTWO valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.