nCino (NASDAQ:NCNO – Get Free Report) and monday.com (NASDAQ:MNDY – Get Free Report) are both mid-cap technology companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, institutional ownership, valuation, dividends, analyst recommendations, earnings and profitability.
Risk & Volatility
nCino has a beta of 0.69, meaning that its share price is 31% less volatile than the S&P 500. Comparatively, monday.com has a beta of 1.15, meaning that its share price is 15% more volatile than the S&P 500.
Institutional and Insider Ownership
94.8% of nCino shares are held by institutional investors. Comparatively, 73.7% of monday.com shares are held by institutional investors. 1.9% of nCino shares are held by company insiders. Comparatively, 22.3% of monday.com shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| nCino | 1 | 5 | 11 | 1 | 2.67 |
| monday.com | 1 | 9 | 14 | 1 | 2.60 |
nCino currently has a consensus target price of $24.38, indicating a potential upside of 19.36%. monday.com has a consensus target price of $117.91, indicating a potential upside of 34.05%. Given monday.com’s higher possible upside, analysts clearly believe monday.com is more favorable than nCino.
Earnings & Valuation
This table compares nCino and monday.com”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| nCino | $594.78 million | 3.63 | $5.18 million | $0.30 | 68.10 |
| monday.com | $1.23 billion | 3.65 | $118.74 million | $2.35 | 37.43 |
monday.com has higher revenue and earnings than nCino. monday.com is trading at a lower price-to-earnings ratio than nCino, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares nCino and monday.com’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% |
| monday.com | 8.87% | 9.09% | 4.73% |
Summary
monday.com beats nCino on 10 of the 14 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 monday.com
monday.com Ltd., together with its subsidiaries, develops software applications in the United States, Europe, the Middle East, Africa, the United Kingdom, and internationally. The company provides Work OS, a cloud-based visual work operating system that consists of modular building blocks used and assembled to create software applications and work management tools. Its products include monday work management that manages workflows, projects, and portfolios for team collaboration and productivity; monday sales CRM, whcih tracks and manages various sales cycle; monday dev that builds agile product and software development workflows; WorkCanvas, a digital whiteboard; and WorkForms, which allows users to create personalized forms or surveys and gain organizational insights. It serves organizations, educational or government institution, and distinct business unit of an organization. The company was formerly known as DaPulse Labs Ltd. and changed its name to monday.com Ltd. in December 2017. monday.com Ltd. was incorporated in 2012 and is headquartered in Tel Aviv, Israel.
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