nCino Inc (NCNO)vsUber Technologies Inc (UBER)
NCNO
nCino Inc
$21.70
-0.96%
TECHNOLOGY · Cap: $2.30B
UBER
Uber Technologies Inc
$71.00
-0.64%
TECHNOLOGY · Cap: $146.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Uber Technologies Inc generates 8775% more annual revenue ($55.23B vs $622.24M). UBER leads profitability with a 17.3% profit margin vs 5.4%. UBER trades at a lower P/E of 15.9x. UBER earns a higher WallStSmart Score of 64/100 (C+).
NCNO
Hold49
out of 100
Grade: D+
UBER
Buy64
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
+0.4%
Fair Value
$71.93
Current Price
$71.00
$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
Earnings expanding 85.5% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.8B in free cash flow
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
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NCNO
The strongest argument for NCNO centers on EPS Growth, Price/Book.
Bull Case : UBER
The strongest argument for UBER centers on Return on Equity, EPS Growth, Market Cap. Profitability is solid with margins at 17.3% and operating margin at 13.3%. Revenue growth of 12.2% 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 : UBER
The primary concerns for UBER are PEG Ratio, 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 12.2% — sustainability is the question.
UBER generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
UBER scores higher overall (64/100 vs 49/100), backed by strong 17.3% margins and 12.2% 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.
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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