nCino (NASDAQ:NCNO – Get Free Report) and Exzeo Group (NYSE:XZO – Get Free Report) are both technology companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, institutional ownership, dividends, risk, earnings, analyst recommendations and profitability.
Earnings and Valuation
This table compares nCino and Exzeo Group”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| nCino | $594.78 million | 4.00 | $5.18 million | $0.30 | 74.92 |
| Exzeo Group | $216.98 million | 6.80 | $82.75 million | $0.98 | 16.71 |
Exzeo Group has lower revenue, but higher earnings than nCino. Exzeo Group is trading at a lower price-to-earnings ratio than nCino, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of recent ratings for nCino and Exzeo Group, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| nCino | 1 | 6 | 9 | 1 | 2.59 |
| Exzeo Group | 1 | 1 | 3 | 0 | 2.40 |
nCino currently has a consensus target price of $23.42, indicating a potential upside of 4.19%. Exzeo Group has a consensus target price of $25.50, indicating a potential upside of 55.74%. Given Exzeo Group’s higher probable upside, analysts clearly believe Exzeo Group is more favorable than nCino.
Insider and Institutional Ownership
94.8% of nCino shares are held by institutional investors. 1.9% of nCino shares are held by company insiders. Comparatively, 4.0% of Exzeo Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Profitability
This table compares nCino and Exzeo Group’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% |
| Exzeo Group | 39.67% | 32.30% | 23.72% |
Summary
Exzeo Group beats nCino on 8 of the 14 factors compared between the two stocks.
About nCino
nCino, Inc. is a financial technology company that provides cloud-based software to banks, credit unions and other financial institutions. Its nCino Bank Operating System supports digital banking operations, helping institutions manage processes and customer relationships through a connected platform. The company’s products and services include commercial, small-business and consumer lending tools, digital account opening, deposit account management, mortgage technology and solutions for managing customer relationships and loan workflows.
About Exzeo Group
Exzeo Group is a technology company focused on the property and casualty insurance industry. Its Exzeo platform provides software designed to help insurers manage core operations and support their business processes. The company’s offerings include tools for functions such as policy administration, underwriting, claims handling, billing and data analysis. Exzeo’s technology is intended to help insurance organizations coordinate these activities through a connected platform.
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