nCino (NASDAQ:NCNO – Get Free Report) and OneStream (NASDAQ:OS – Get Free Report) are both mid-cap technology companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, risk, profitability, analyst recommendations, valuation, earnings and dividends.
Analyst Recommendations
This is a summary of current ratings and target prices for nCino and OneStream, as reported by MarketBeat.
| 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, suggesting a potential upside of 4.86%. OneStream has a consensus target price of $24.06, suggesting a potential upside of 0.26%. Given nCino’s stronger consensus rating and higher possible upside, analysts plainly believe nCino is more favorable than OneStream.
Insider & 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 hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Earnings and Valuation
This table compares nCino and OneStream”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| nCino | $594.78 million | 3.97 | $5.18 million | $0.30 | 74.44 |
| 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.
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% |
Risk and Volatility
nCino has a beta of 0.81, meaning that its share price is 19% less volatile than the S&P 500. Comparatively, OneStream has a beta of 1.99, meaning that its share price is 99% more volatile than the S&P 500.
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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