nCino (NASDAQ:NCNO – Get Free Report) and OneStream (NASDAQ:OS – Get Free Report) are both mid-cap technology companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, risk, valuation, dividends and analyst recommendations.
Analyst Ratings
This is a breakdown of recent ratings and price targets for nCino and OneStream, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| nCino | 1 | 6 | 9 | 1 | 2.59 |
| OneStream | 3 | 17 | 0 | 0 | 1.85 |
nCino currently has a consensus target price of $23.42, indicating a potential upside of 3.52%. OneStream has a consensus target price of $24.06, indicating a potential upside of 0.26%. Given nCino’s stronger consensus rating and higher probable upside, equities research analysts clearly believe nCino is more favorable than OneStream.
Risk & Volatility
nCino has a beta of 0.77, indicating that its share price is 23% less volatile than the S&P 500. Comparatively, OneStream has a beta of 1.99, indicating that its share price is 99% more volatile than the S&P 500.
Profitability
This table compares nCino and OneStream’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| nCino | 5.40% | 7.71% | 4.83% |
| OneStream | -8.36% | 11.28% | 6.68% |
Insider and Institutional Ownership
94.8% of nCino shares are held by institutional investors. 1.9% of nCino shares are held by insiders. Comparatively, 12.8% of OneStream shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Valuation & Earnings
This table compares nCino and OneStream”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| nCino | $594.78 million | 4.02 | $5.18 million | $0.30 | 75.40 |
| OneStream | $601.93 million | 9.80 | -$50.30 million | ($0.28) | -85.71 |
nCino has higher earnings, but lower revenue than OneStream. OneStream is trading at a lower price-to-earnings ratio than nCino, indicating that it is currently the more affordable of the two stocks.
Summary
nCino beats OneStream on 9 of the 15 factors compared between the two stocks.
About nCino
nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System connects financial institution employees, clients and third parties on a single cloud-based platform which include client onboarding, deposit account opening, loan origination, end-to-end mortgage suite, and powerful ecosystem. The company's nIQ, an application suite that utilizes data analytics and artificial intelligence and machine learning to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a cloud-based mobile-first homeownership software solution. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
About OneStream
OneStream, Inc. is a holding company, which engages in the development of an artificial intelligence (AI) based enterprise finance platform. The firm offers Digital Finance Cloud, an AI-enabled and extensible software platform that unifies core financial functions and operational data and processes. The company was founded by Craig Colby and Thomas Shea on October 15, 2021 and is headquartered in Birmingham, MI.
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