Critical Contrast: nCino (NASDAQ:NCNO) versus Intellicheck (NASDAQ:IDN)

Intellicheck (NASDAQ:IDN) and nCino (NASDAQ:NCNO) are both technology companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, institutional ownership, dividends, earnings, valuation and risk.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Intellicheck and nCino, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Intellicheck	0	3	3	0	2.50
nCino	1	5	11	1	2.67

Intellicheck currently has a consensus price target of $6.50, indicating a potential upside of 140.38%. nCino has a consensus price target of $24.38, indicating a potential upside of 11.15%. Given Intellicheck’s higher possible upside, equities analysts plainly believe Intellicheck is more favorable than nCino.

Institutional & Insider Ownership

42.8% of Intellicheck shares are owned by institutional investors. Comparatively, 94.8% of nCino shares are owned by institutional investors. 7.8% of Intellicheck shares are owned by insiders. Comparatively, 1.9% of nCino shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares Intellicheck and nCino”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Intellicheck	$24.11 million	2.27	$1.27 million	$0.15	18.03
nCino	$594.78 million	3.90	$5.18 million	$0.30	73.13

nCino has higher revenue and earnings than Intellicheck. Intellicheck 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 Intellicheck and nCino’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Intellicheck	13.03%	15.02%	12.27%
nCino	5.40%	7.71%	4.83%

Risk & Volatility

Intellicheck has a beta of 0.78, suggesting that its share price is 22% less volatile than the S&P 500. Comparatively, nCino has a beta of 0.69, suggesting that its share price is 31% less volatile than the S&P 500.

Summary

nCino beats Intellicheck on 9 of the 15 factors compared between the two stocks.

About Intellicheck

Intellicheck, Inc., a technology company, develops, integrates, and markets threat identification and identity authentication solutions for bank and retail fraud prevention, law enforcement threat identification, and mobile and handheld access control and security systems primarily in the United States. It provides identity systems products, including commercial identification products, such as Intellicheck Platform, an identity solution that checks whether an ID is valid, matches the ID to the person presenting it, and provides a risk score to determine the risk of doing business with that person; IDN-Portal that provides the ability to scan an ID using a mobile phone; IDN-Portal+ that uses a retail scanner to validate an ID, and get additional data for analytics and analysis; IDN-Direct that provides access to additional data and the ability to use the platform’s Risk Score capability to help with decision-making; and Intellicheck mobile app, which provides the ability to login and scan an ID. The company also offers State Aware Software solution, which provides or restricts information that is electronically scanned from an ID based on the electronic reading laws according to the state in which the ID is scanned; data collection devices that enable its software applications to be used on a variety of commercially available credit card terminals, PDAs, tablets, laptops, desktops, mobile phones, and point-of-sale terminals; and instant credit application kiosk software applications. It serves government, military, and commercial markets. The company was formerly known as Intellicheck Mobilisa, Inc. and changed its name to Intellicheck, Inc. in May 2017. Intellicheck, Inc. was incorporated in 1994 and is headquartered in Melville, New York.

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.