nCino Inc (NCNO)vsShopify Inc (SHOP)
NCNO
nCino Inc
$21.70
-0.96%
TECHNOLOGY · Cap: $2.30B
SHOP
Shopify Inc
$129.96
+0.08%
TECHNOLOGY · Cap: $188.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Shopify Inc generates 2032% more annual revenue ($13.27B vs $622.24M). SHOP leads profitability with a 14.5% profit margin vs 5.4%. NCNO trades at a lower P/E of 72.4x. SHOP earns a higher WallStSmart Score of 62/100 (C+).
NCNO
Hold49
out of 100
Grade: D+
SHOP
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.3%
Fair Value
$57.25
Current Price
$21.70
$35.55 discount
Margin of Safety
+22.9%
Fair Value
$151.66
Current Price
$129.96
$21.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 147.6% YoY
Reasonable price relative to book value
Revenue surging 33.7% year-over-year
Earnings expanding 68.1% YoY
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Large-cap with strong market position
Areas to Watch
ROE of 1.8% — below average capital efficiency
5.4% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
Trading at 13.2x book value
Weak financial health signals
Expensive relative to growth rate
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : NCNO
The strongest argument for NCNO centers on EPS Growth, Price/Book.
Bull Case : SHOP
The strongest argument for SHOP centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 33.7% demonstrates continued momentum.
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.
Bear Case : SHOP
The primary concerns for SHOP are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 98.0x leaves little room for execution misses.
Key Dynamics to Monitor
NCNO profiles as a value stock while SHOP is a growth play — different risk/reward profiles.
SHOP carries more volatility with a beta of 2.62 — expect wider price swings.
SHOP is growing revenue faster at 33.7% — sustainability is the question.
SHOP generates stronger free cash flow (654M), providing more financial flexibility.
Bottom Line
SHOP scores higher overall (62/100 vs 49/100) and 33.7% revenue growth. NCNO offers better value entry with a 69.3% margin of safety. 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.
Shopify Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Shopify Inc., a commerce company, offers a commerce and service platform in Canada, the United States, the United Kingdom, Australia, Latin America, and internationally. The company is headquartered in Ottawa, Canada.
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