NCNO vs. NRDS
NCNO (nCino, Inc.) and NRDS (NerdWallet, Inc.) are both stocks. NCNO operates in Software - Application (Technology), while NRDS operates in Credit Services (Financial Services). Over the past 3 years, NCNO returned -14.24%/yr vs -9.05%/yr for NRDS. At a 0.45 correlation, their price movements are largely independent.
Performance
NCNO vs. NRDS - Performance Comparison
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Returns By Period
In the year-to-date period, NCNO achieves a -40.25% return, which is significantly lower than NRDS's -37.27% return.
NCNO
- 1D
- 3.93%
- 1M
- -0.07%
- YTD
- -40.25%
- 6M
- -39.85%
- 1Y
- -44.23%
- 3Y*
- -14.24%
- 5Y*
- -24.86%
- 10Y*
- —
NRDS
- 1D
- 1.43%
- 1M
- 9.11%
- YTD
- -37.27%
- 6M
- -41.14%
- 1Y
- -20.86%
- 3Y*
- -9.05%
- 5Y*
- —
- 10Y*
- —
NCNO vs. NRDS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
NCNO nCino, Inc. | -40.25% | -23.65% | -0.15% | 27.19% | -51.80% | -27.90% |
NRDS NerdWallet, Inc. | -37.27% | 1.88% | -9.65% | 53.33% | -38.26% | -33.83% |
Correlation
The correlation between NCNO and NRDS is 0.52, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.52 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.41 |
Correlation (All Time) Calculated using the full available price history since Nov 4, 2021 | 0.45 |
The correlation between NCNO and NRDS shifts across timeframes, from 0.41 (3 years) to 0.52 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
NCNO:
$1.68B
NRDS:
$590.75M
NCNO:
$0.12
NRDS:
$0.93
NCNO:
131.61
NRDS:
9.16
NCNO:
2.86
NRDS:
0.74
NCNO:
1.73
NRDS:
1.76
NCNO:
$610.06M
NRDS:
$849.60M
NCNO:
$374.67M
NRDS:
$790.50M
NCNO:
$49.42M
NRDS:
$128.50M
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Return for Risk
NCNO vs. NRDS — Risk / Return Rank
NCNO
NRDS
NCNO vs. NRDS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for nCino, Inc. (NCNO) and NerdWallet, Inc. (NRDS). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NCNO | NRDS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.52 | ||
| Sortino ratioReturn per unit of downside risk | -1.10 | ||
| Omega ratioGain probability vs. loss probability | 0.84 | 0.96 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | -0.78 | -0.40 | -0.38 |
| Martin ratioReturn relative to average drawdown | -1.33 | -0.86 | -0.47 |
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Drawdowns
NCNO vs. NRDS - Drawdown Comparison
The maximum NCNO drawdown since its inception was -85.71%, which is greater than NRDS's maximum drawdown of -77.00%. Use the drawdown chart below to compare losses from any high point for NCNO and NRDS.
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Drawdown Indicators
| NCNO | NRDS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -85.71% | -77.00% | -8.71% |
Max Drawdown (1Y)Largest decline over 1 year | -57.14% | -52.42% | -4.72% |
Max Drawdown (3Y)Largest decline over 3 years | -67.14% | -55.36% | -11.78% |
Max Drawdown (5Y)Largest decline over 5 years | -82.07% | — | — |
Current DrawdownCurrent decline from peak | -84.37% | -69.96% | -14.41% |
Average DrawdownAverage peak-to-trough decline | -59.13% | -57.18% | -1.95% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 33.27% | 24.34% | +8.93% |
Volatility
NCNO vs. NRDS - Volatility Comparison
nCino, Inc. (NCNO) has a higher volatility of 15.76% compared to NerdWallet, Inc. (NRDS) at 10.32%. This indicates that NCNO's price experiences larger fluctuations and is considered to be riskier than NRDS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NCNO | NRDS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.76% | 10.32% | +5.44% |
Volatility (6M)Calculated over the trailing 6-month period | 37.33% | 35.93% | +1.40% |
Volatility (1Y)Calculated over the trailing 1-year period | 46.53% | 48.40% | -1.87% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 53.43% | 68.59% | -15.16% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 55.52% | 68.59% | -13.07% |
Dividends
NCNO vs. NRDS - Dividend Comparison
Neither NCNO nor NRDS has paid dividends to shareholders.
Financials
NCNO vs. NRDS - Financials Comparison
This section allows you to compare key financial metrics between nCino, Inc. and NerdWallet, 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.
Total Revenue: Total amount of money received from sales and other business activities
NCNO vs. NRDS - Profitability Comparison
NCNO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, nCino, Inc. reported a gross profit of 100.94M and revenue of 159.41M. Therefore, the gross margin over that period was 63.3%.
NRDS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, NerdWallet, Inc. reported a gross profit of 208.60M and revenue of 222.20M. Therefore, the gross margin over that period was 93.9%.
NCNO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, nCino, Inc. reported an operating income of 21.12M and revenue of 159.41M, resulting in an operating margin of 13.3%.
NRDS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, NerdWallet, Inc. reported an operating income of 27.20M and revenue of 222.20M, resulting in an operating margin of 12.2%.
NCNO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, nCino, Inc. reported a net income of 13.64M and revenue of 159.41M, resulting in a net margin of 8.6%.
NRDS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, NerdWallet, Inc. reported a net income of 20.40M and revenue of 222.20M, resulting in a net margin of 9.2%.
Frequently Asked Questions
NCNO and NRDS have a correlation of 0.52, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NCNO has higher volatility (15.76%) compared to NRDS (10.32%). In terms of maximum drawdown, NCNO dropped -85.71% vs NRDS's -77.00%.
NRDS currently has the higher Sharpe Ratio (-0.43 vs -0.95), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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