Microsoft Corporation (MSFT)vsnCino Inc (NCNO)
MSFT
Microsoft Corporation
$490.30
-1.37%
TECHNOLOGY · Cap: $3.68T
NCNO
nCino Inc
$21.70
-0.96%
TECHNOLOGY · Cap: $2.30B
Smart Verdict
WallStSmart Research — data-driven comparison
Microsoft Corporation generates 53229% more annual revenue ($331.84B vs $622.24M). MSFT leads profitability with a 40.3% profit margin vs 5.4%. MSFT trades at a lower P/E of 27.4x. MSFT earns a higher WallStSmart Score of 72/100 (B).
MSFT
Strong Buy72
out of 100
Grade: B
NCNO
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for MSFT.
Margin of Safety
+69.3%
Fair Value
$57.25
Current Price
$21.70
$35.55 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 30 in profit
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 45.1%
Generating 19.6B in free cash flow
Conservative balance sheet, low leverage
Earnings expanding 147.6% YoY
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 8.2x book value
ROE of 1.8% — below average capital efficiency
5.4% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MSFT
The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 40.3% and operating margin at 45.1%. Revenue growth of 17.7% demonstrates continued momentum.
Bull Case : NCNO
The strongest argument for NCNO centers on EPS Growth, Price/Book.
Bear Case : MSFT
The primary concerns for MSFT are PEG Ratio, P/E Ratio, Price/Book.
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.
Key Dynamics to Monitor
MSFT profiles as a growth stock while NCNO is a value play — different risk/reward profiles.
MSFT carries more volatility with a beta of 1.11 — expect wider price swings.
MSFT is growing revenue faster at 17.7% — sustainability is the question.
MSFT generates stronger free cash flow (19.6B), providing more financial flexibility.
Bottom Line
MSFT scores higher overall (72/100 vs 49/100), backed by strong 40.3% margins and 17.7% revenue growth. NCNO offers better value entry with a 69.3% margin of safety. Both earn "Strong 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.
Microsoft Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.
Visit Website →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.
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