nCino Inc (NCNO)vsUber Technologies Inc (UBER)
NCNO
nCino Inc
$14.92
-3.43%
TECHNOLOGY · Cap: $1.68B
UBER
Uber Technologies Inc
$72.21
+5.82%
TECHNOLOGY · Cap: $145.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Uber Technologies Inc generates 8700% more annual revenue ($53.69B vs $610.06M). UBER leads profitability with a 15.9% profit margin vs 2.2%. UBER trades at a lower P/E of 17.8x. UBER earns a higher WallStSmart Score of 54/100 (C-).
NCNO
Buy52
out of 100
Grade: C-
UBER
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.3%
Fair Value
$57.29
Current Price
$14.92
$42.37 discount
Margin of Safety
+3.8%
Fair Value
$71.28
Current Price
$72.21
$0.93 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 147.6% YoY
Reasonable price relative to book value
Every $100 of equity generates 35 in profit
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 1.8% — below average capital efficiency
2.2% margin — thin
Premium valuation, high expectations priced in
Expensive relative to growth rate
Earnings declined 84.6%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NCNO
The strongest argument for NCNO centers on EPS Growth, Price/Book. Revenue growth of 10.6% demonstrates continued momentum.
Bull Case : UBER
The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 15.9% and operating margin at 14.6%. Revenue growth of 14.5% demonstrates continued momentum.
Bear Case : NCNO
The primary concerns for NCNO are Market Cap, Return on Equity, Profit Margin. A P/E of 127.7x leaves little room for execution misses. Thin 2.2% margins leave little buffer for downturns.
Bear Case : UBER
The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
NCNO profiles as a value stock while UBER is a mature play — different risk/reward profiles.
UBER carries more volatility with a beta of 1.16 — expect wider price swings.
UBER is growing revenue faster at 14.5% — sustainability is the question.
UBER generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
UBER scores higher overall (54/100 vs 52/100), backed by strong 15.9% margins and 14.5% revenue growth. NCNO offers better value entry with a 69.3% margin of safety. Both earn "Buy" and "Buy" 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.
Uber Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.
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