COMP <GO>
NCNO vs PRCH // ALTMAN Z-SCORE & DEBT/EQUITY
nCino Inc. (NASDAQ) VS. Porch Group Inc. (NASDAQ) • 15-METRIC TALLY: NCNO 4
— PRCH 5
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: NCNO
LAST: $23.16 (+2.12%) • MKT CAP: $2.45B
balance-sheet
2.51
LAST: $20.18 (-1.85%) • MKT CAP: $2.68B
balance-sheet
1.71
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NCNO VS. PRCH)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NCNO | PRCH | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 60.60% | 81.20% | -20.60 | PRCH | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.20% | 9.10% | -8.90 | PRCH | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 84.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 3.48% | 2.38% | +1.10 | NCNO | /fcf-yield <GO> |
| Operating Margin | 0.60% | 8.70% | -8.10 | PRCH | /operating-margins <GO> |
| Net Profit Margin | 1.60% | -0.80% | +2.40 | NCNO | /net-margins <GO> |
| Revenue Growth (YoY) | 10.00% | 33.70% | -23.70 | PRCH | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 2.51 | 1.71 | +0.80 | NCNO | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 63.7 | 61.4 | +2.30 | NCNO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.27 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 20.0x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.45B | $2.68B | -$227.9M | PRCH | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NCNO REV | PRCH REV | NCNO GROSS % | PRCH GROSS % | NCNO FCF | PRCH FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $594.8M | $418.9M | 60.6% | 81.2% | $82.6M | $66.0M |
| FY 2024 | $540.7M | $313.3M | 60.1% | 64.5% | $53.4M | -$32.2M |
| FY 2023 | $476.5M | $287.5M | — | — | $57.3M | $21.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NCNO // BETA —
PRCH // BETA 1.27