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NCNO vs. BILL
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Correlation

The correlation between NCNO and BILL is 0.47, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.


Performance

NCNO vs. BILL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in nCino, Inc. (NCNO) and Bill.com Holdings, Inc. (BILL). The values are adjusted to include any dividend payments, if applicable.

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Key characteristics

Sharpe Ratio

NCNO:

-0.54

BILL:

-0.36

Sortino Ratio

NCNO:

-0.53

BILL:

-0.08

Omega Ratio

NCNO:

0.92

BILL:

0.99

Calmar Ratio

NCNO:

-0.30

BILL:

-0.25

Martin Ratio

NCNO:

-1.11

BILL:

-0.81

Ulcer Index

NCNO:

21.04%

BILL:

27.64%

Daily Std Dev

NCNO:

41.09%

BILL:

62.82%

Max Drawdown

NCNO:

-78.28%

BILL:

-88.95%

Current Drawdown

NCNO:

-75.49%

BILL:

-86.93%

Fundamentals

Market Cap

NCNO:

$2.80B

BILL:

$4.85B

EPS

NCNO:

-$0.33

BILL:

$0.37

PS Ratio

NCNO:

5.18

BILL:

3.49

PB Ratio

NCNO:

2.57

BILL:

1.27

Total Revenue (TTM)

NCNO:

$412.57M

BILL:

$1.06B

Gross Profit (TTM)

NCNO:

$247.88M

BILL:

$853.46M

EBITDA (TTM)

NCNO:

$5.06M

BILL:

$137.83M

Returns By Period

In the year-to-date period, NCNO achieves a -28.44% return, which is significantly higher than BILL's -47.21% return.


NCNO

YTD

-28.44%

1M

2.69%

6M

-43.50%

1Y

-22.76%

5Y*

N/A

10Y*

N/A

BILL

YTD

-47.21%

1M

8.15%

6M

-42.15%

1Y

-20.82%

5Y*

-10.84%

10Y*

N/A

*Annualized

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Risk-Adjusted Performance

NCNO vs. BILL — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

NCNO
The Risk-Adjusted Performance Rank of NCNO is 2424
Overall Rank
The Sharpe Ratio Rank of NCNO is 2222
Sharpe Ratio Rank
The Sortino Ratio Rank of NCNO is 2222
Sortino Ratio Rank
The Omega Ratio Rank of NCNO is 2020
Omega Ratio Rank
The Calmar Ratio Rank of NCNO is 3333
Calmar Ratio Rank
The Martin Ratio Rank of NCNO is 2323
Martin Ratio Rank

BILL
The Risk-Adjusted Performance Rank of BILL is 3434
Overall Rank
The Sharpe Ratio Rank of BILL is 3232
Sharpe Ratio Rank
The Sortino Ratio Rank of BILL is 3434
Sortino Ratio Rank
The Omega Ratio Rank of BILL is 3434
Omega Ratio Rank
The Calmar Ratio Rank of BILL is 3535
Calmar Ratio Rank
The Martin Ratio Rank of BILL is 3333
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

NCNO vs. BILL - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for nCino, Inc. (NCNO) and Bill.com Holdings, Inc. (BILL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.


The current NCNO Sharpe Ratio is -0.54, which is lower than the BILL Sharpe Ratio of -0.36. The chart below compares the historical Sharpe Ratios of NCNO and BILL, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.


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Dividends

NCNO vs. BILL - Dividend Comparison

Neither NCNO nor BILL has paid dividends to shareholders.


Tickers have no history of dividend payments

Drawdowns

NCNO vs. BILL - Drawdown Comparison

The maximum NCNO drawdown since its inception was -78.28%, smaller than the maximum BILL drawdown of -88.95%. Use the drawdown chart below to compare losses from any high point for NCNO and BILL. For additional features, visit the drawdowns tool.


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Volatility

NCNO vs. BILL - Volatility Comparison

The current volatility for nCino, Inc. (NCNO) is 9.61%, while Bill.com Holdings, Inc. (BILL) has a volatility of 13.41%. This indicates that NCNO experiences smaller price fluctuations and is considered to be less risky than BILL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.


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Financials

NCNO vs. BILL - Financials Comparison

This section allows you to compare key financial metrics between nCino, Inc. and Bill.com Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.


Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities


0.00100.00M200.00M300.00M400.00MJulyOctober2021AprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025
141.37M
362.55M
(NCNO) Total Revenue
(BILL) Total Revenue
Values in USD except per share items

NCNO vs. BILL - Profitability Comparison

The chart below illustrates the profitability comparison between nCino, Inc. and Bill.com Holdings, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

Gross Margin
Operating Margin
Net Margin
Quarterly
Annual

50.0%55.0%60.0%65.0%70.0%75.0%80.0%85.0%JulyOctober2021AprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025
59.7%
81.6%
(NCNO) Gross Margin
(BILL) Gross Margin
NCNO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, nCino, Inc. reported a gross profit of 84.36M and revenue of 141.37M. Therefore, the gross margin over that period was 59.7%.

BILL - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Bill.com Holdings, Inc. reported a gross profit of 295.95M and revenue of 362.55M. Therefore, the gross margin over that period was 81.6%.

NCNO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, nCino, Inc. reported an operating income of -5.74M and revenue of 141.37M, resulting in an operating margin of -4.1%.

BILL - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Bill.com Holdings, Inc. reported an operating income of 7.51M and revenue of 362.55M, resulting in an operating margin of 2.1%.

NCNO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, nCino, Inc. reported a net income of -18.61M and revenue of 141.37M, resulting in a net margin of -13.2%.

BILL - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Bill.com Holdings, Inc. reported a net income of 33.55M and revenue of 362.55M, resulting in a net margin of 9.3%.