Head-To-Head Survey: Consensus Cloud Solutions (NASDAQ:CCSI) and nCino (NASDAQ:NCNO)

nCino (NASDAQ:NCNO) and Consensus Cloud Solutions (NASDAQ:CCSI) are both technology companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, risk, valuation, dividends, institutional ownership, profitability and analyst recommendations.

Earnings and Valuation

This table compares nCino and Consensus Cloud Solutions”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
nCino	$594.78 million	4.02	$5.18 million	$0.30	75.40
Consensus Cloud Solutions	$349.70 million	1.89	$84.53 million	$4.94	7.31

Consensus Cloud Solutions has lower revenue, but higher earnings than nCino. Consensus Cloud Solutions 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 Consensus Cloud Solutions’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
nCino	5.40%	7.71%	4.83%
Consensus Cloud Solutions	26.69%	502.63%	13.83%

Analyst Recommendations

This is a summary of recent ratings and target prices for nCino and Consensus Cloud Solutions, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
nCino	1	6	9	1	2.59
Consensus Cloud Solutions	0	1	3	0	2.75

nCino presently has a consensus price target of $23.42, indicating a potential upside of 3.52%. Consensus Cloud Solutions has a consensus price target of $41.67, indicating a potential upside of 15.42%. Given Consensus Cloud Solutions’ stronger consensus rating and higher probable upside, analysts plainly believe Consensus Cloud Solutions is more favorable than nCino.

Risk & Volatility

nCino has a beta of 0.77, indicating that its share price is 23% less volatile than the S&P 500. Comparatively, Consensus Cloud Solutions has a beta of 1.56, indicating that its share price is 56% more volatile than the S&P 500.

Institutional & Insider Ownership

94.8% of nCino shares are owned by institutional investors. Comparatively, 93.9% of Consensus Cloud Solutions shares are owned by institutional investors. 1.9% of nCino shares are owned by insiders. Comparatively, 3.6% of Consensus Cloud Solutions shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

Consensus Cloud Solutions beats nCino 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 Consensus Cloud Solutions

Consensus Cloud Solutions, Inc., together with its subsidiaries, provides information delivery services with a software-as-a-service platform worldwide. The company offers eFax Corporate, a digital cloud-fax technology; Unite, a single platform that allows the user to choose between various protocols to send and receive healthcare information and can integrate into an existing electronic health record system or stand-alone if no EHR is present. It also offers jsign, an electronic and digital signature solution; Conductor, an interface engine and interoperability platform that provides integration technology; Clarity that transforms unstructured documents into structured actionable data; and eFax, an online faxing solution, as well as other products under the MyFax, MetroFax, Sfax, and SRfax brands. In addition, the company provides ECFax, an Corporate eFax. It serves healthcare, government, financial services, law, and education sectors. Consensus Cloud Solutions, Inc. was incorporated in 2021 and is headquartered in Los Angeles, California.