WallStSmart

nCino Inc (NCNO)vsNVIDIA Corporation (NVDA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NVIDIA Corporation generates 36205% more annual revenue ($215.94B vs $594.78M). NVDA leads profitability with a 55.6% profit margin vs 0.9%. NVDA trades at a lower P/E of 42.7x. NVDA earns a higher WallStSmart Score of 79/100 (B+).

NCNO

Hold

40

out of 100

Grade: D

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

NVDA

Strong Buy

79

out of 100

Grade: B+

Growth: 10.0Profit: 10.0Value: 5.7Quality: 8.5
Piotroski: 3/9Altman Z: 6.75
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 NVDA.

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

NVDA6 strengths · Avg: 10.0/10
Market CapQuality
$5.09T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
101.5%10/10

Every $100 of equity generates 102 in profit

Profit MarginProfitability
55.6%10/10

Keeps 56 of every $100 in revenue as profit

Operating MarginProfitability
65.0%10/10

Strong operational efficiency at 65.0%

Revenue GrowthGrowth
73.2%10/10

Revenue surging 73.2% year-over-year

EPS GrowthGrowth
95.6%10/10

Earnings expanding 95.6% YoY

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%

NVDA3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
42.7x2/10

Premium valuation, high expectations priced in

Price/BookValuation
30.8x2/10

Trading at 30.8x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : NCNO

The strongest argument for NCNO centers on Price/Book.

Bull Case : NVDA

The strongest argument for NVDA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 55.6% and operating margin at 65.0%. Revenue growth of 73.2% demonstrates continued momentum.

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 : NVDA

The primary concerns for NVDA are Piotroski F-Score, P/E Ratio, Price/Book. A P/E of 42.7x leaves little room for execution misses.

Key Dynamics to Monitor

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

NVDA carries more volatility with a beta of 2.33 — expect wider price swings.

NVDA is growing revenue faster at 73.2% — sustainability is the question.

NVDA generates stronger free cash flow (34.9B), providing more financial flexibility.

Bottom Line

NVDA scores higher overall (79/100 vs 40/100), backed by strong 55.6% margins and 73.2% revenue growth. NCNO offers better value entry with a 72.0% 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.

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.

NVIDIA Corporation

TECHNOLOGY · SEMICONDUCTORS · USA

Nvidia Corporation is an American multinational technology company incorporated in Delaware and based in Santa Clara, California. It designs graphics processing units (GPUs) for the gaming and professional markets, as well as system on a chip units (SoCs) for the mobile computing and automotive market.

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