NCNO vs. PAYO
NCNO (nCino, Inc.) and PAYO (Payoneer Global Inc.) are both stocks. Both are in the Technology sector — NCNO in Software - Application, PAYO in Software - Infrastructure. Over the past 3 years, NCNO returned -14.24%/yr vs 13.31%/yr for PAYO. At a 0.44 correlation, their price movements are largely independent.
Performance
NCNO vs. PAYO - 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 PAYO's 20.11% return.
NCNO
- 1D
- 3.93%
- 1M
- -0.07%
- YTD
- -40.25%
- 6M
- -39.85%
- 1Y
- -44.23%
- 3Y*
- -14.24%
- 5Y*
- -24.86%
- 10Y*
- —
PAYO
- 1D
- 0.00%
- 1M
- 36.92%
- YTD
- 20.11%
- 6M
- 13.26%
- 1Y
- -2.17%
- 3Y*
- 13.31%
- 5Y*
- —
- 10Y*
- —
NCNO vs. PAYO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
NCNO nCino, Inc. | -40.25% | -23.65% | -0.15% | 27.19% | -51.80% | -11.86% |
PAYO Payoneer Global Inc. | 20.11% | -44.02% | 92.71% | -4.75% | -25.58% | -34.08% |
Correlation
The correlation between NCNO and PAYO is 0.46, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.46 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.39 |
Correlation (All Time) Calculated using the full available price history since Jun 28, 2021 | 0.44 |
Fundamentals
NCNO:
$1.68B
PAYO:
$2.37B
NCNO:
$0.12
PAYO:
$0.20
NCNO:
131.61
PAYO:
34.40
NCNO:
2.86
PAYO:
2.33
NCNO:
1.73
PAYO:
3.59
NCNO:
$610.06M
PAYO:
$1.07B
NCNO:
$374.67M
PAYO:
$660.73M
NCNO:
$49.42M
PAYO:
$204.88M
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Return for Risk
NCNO vs. PAYO — Risk / Return Rank
NCNO
PAYO
NCNO vs. PAYO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for nCino, Inc. (NCNO) and Payoneer Global Inc. (PAYO). 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 | PAYO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.91 | ||
| Sortino ratioReturn per unit of downside risk | -1.75 | ||
| Omega ratioGain probability vs. loss probability | 0.84 | 1.04 | -0.21 |
| Calmar ratioReturn relative to maximum drawdown | -0.78 | -0.05 | -0.72 |
| Martin ratioReturn relative to average drawdown | -1.33 | -0.09 | -1.24 |
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Drawdowns
NCNO vs. PAYO - Drawdown Comparison
The maximum NCNO drawdown since its inception was -85.71%, which is greater than PAYO's maximum drawdown of -69.06%. Use the drawdown chart below to compare losses from any high point for NCNO and PAYO.
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Drawdown Indicators
| NCNO | PAYO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -85.71% | -69.06% | -16.65% |
Max Drawdown (1Y)Largest decline over 1 year | -57.14% | -42.45% | -14.69% |
Max Drawdown (3Y)Largest decline over 3 years | -67.14% | -61.36% | -5.78% |
Max Drawdown (5Y)Largest decline over 5 years | -82.07% | — | — |
Current DrawdownCurrent decline from peak | -84.37% | -39.46% | -44.91% |
Average DrawdownAverage peak-to-trough decline | -59.13% | -43.06% | -16.07% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 33.27% | 23.76% | +9.51% |
Volatility
NCNO vs. PAYO - Volatility Comparison
The current volatility for nCino, Inc. (NCNO) is 15.76%, while Payoneer Global Inc. (PAYO) has a volatility of 24.55%. This indicates that NCNO experiences smaller price fluctuations and is considered to be less risky than PAYO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NCNO | PAYO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.76% | 24.55% | -8.79% |
Volatility (6M)Calculated over the trailing 6-month period | 37.33% | 43.67% | -6.34% |
Volatility (1Y)Calculated over the trailing 1-year period | 46.53% | 53.15% | -6.62% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 53.43% | 56.64% | -3.21% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 55.52% | 56.64% | -1.12% |
Dividends
NCNO vs. PAYO - Dividend Comparison
Neither NCNO nor PAYO has paid dividends to shareholders.
Financials
NCNO vs. PAYO - Financials Comparison
This section allows you to compare key financial metrics between nCino, Inc. and Payoneer Global 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. PAYO - 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%.
PAYO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported a gross profit of 0.00 and revenue of 261.60M. Therefore, the gross margin over that period was 0.0%.
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%.
PAYO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported an operating income of 30.02M and revenue of 261.60M, resulting in an operating margin of 11.5%.
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%.
PAYO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Payoneer Global Inc. reported a net income of 19.57M and revenue of 261.60M, resulting in a net margin of 7.5%.
Frequently Asked Questions
NCNO and PAYO have a correlation of 0.46, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PAYO has higher volatility (24.55%) compared to NCNO (15.76%). In terms of maximum drawdown, NCNO dropped -85.71% vs PAYO's -69.06%.
PAYO currently has the higher Sharpe Ratio (-0.04 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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