BlackLine [BL] vs nCino [NCNO] Detailed Stock Comparison

BlackLine, Inc.

NASDAQ
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nCino, Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: BlackLine, Inc. wins in 14 metrics, nCino, Inc. wins in 6 metrics, with 0 ties. BlackLine, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric BlackLine, Inc. nCino, Inc. Better
P/E Ratio (TTM) 81.85 364.60 BlackLine, Inc.
Price-to-Book Ratio 5.75 1.96 nCino, Inc.
Debt-to-Equity Ratio 247.79 26.08 nCino, Inc.
PEG Ratio -0.90 -2.54 BlackLine, Inc.
EV/EBITDA 34.16 38.79 BlackLine, Inc.
Profit Margin (TTM) 3.50% 0.87% BlackLine, Inc.
Operating Margin (TTM) 7.01% 1.58% BlackLine, Inc.
EBITDA Margin (TTM) 7.01% 1.58% BlackLine, Inc.
Return on Equity 6.38% 0.90% BlackLine, Inc.
Return on Assets (TTM) 1.40% 0.64% BlackLine, Inc.
Free Cash Flow (TTM) $134.90M $82.56M BlackLine, Inc.
1-Year Return -47.43% -38.86% nCino, Inc.
Price-to-Sales Ratio (TTM) 2.71 3.52 BlackLine, Inc.
Enterprise Value $2.06B $2.29B nCino, Inc.
EV/Revenue Ratio 2.94 3.85 BlackLine, Inc.
Gross Profit Margin (TTM) 75.19% 61.41% BlackLine, Inc.
Revenue per Share (TTM) $11 $5 BlackLine, Inc.
Earnings per Share (Diluted) $0.39 $0.05 BlackLine, Inc.
Beta (Stock Volatility) 0.88 0.61 nCino, Inc.
Short % of Float 14.26% 14.23% nCino, Inc.

BlackLine, Inc. vs nCino, Inc. Stock Performance Analysis

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BL
NCNO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
BlackLine, Inc.-5.48%7.34%-13.82%-21.24%-50.95%-46.43%
nCino, Inc.-4.51%4.54%-11.73%-5.64%-37.90%-35.58%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
BlackLine, Inc.-47.43%-46.80%-71.05%24.05%24.05%24.05%
nCino, Inc.-38.86%-35.68%-74.08%-78.27%-78.27%-78.27%

Performance & Financial Health Analysis: BlackLine, Inc. vs nCino, Inc.

MetricBLNCNO
Market Information
Market Cap i$1.75B$1.94B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i999,8023,369,791
90 Day Avg. Volume i1,106,4343,105,154
Last Close$28.81$15.88
52 Week Range$24.70 - $59.57$13.80 - $33.92
% from 52W High-51.64%-53.18%
All-Time High$154.61 (Feb 08, 2021)$103.95 (Aug 31, 2020)
% from All-Time High-81.37%-84.72%
Growth Metrics
Quarterly Revenue Growth0.08%0.06%
Quarterly Earnings Growth-0.91%0.06%
Financial Health
Profit Margin (TTM) i0.04%0.01%
Operating Margin (TTM) i0.07%0.02%
Return on Equity (TTM) i0.06%0.01%
Debt to Equity (MRQ) i247.7926.08
Cash & Liquidity
Book Value per Share (MRQ)$5.55$9.28
Cash per Share (MRQ)$13.07$0.77
Operating Cash Flow (TTM) i$169.57M$90.07M
Levered Free Cash Flow (TTM) i$128.37M$144.53M
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend iN/AN/A

Valuation & Enterprise Metrics Analysis: BlackLine, Inc. vs nCino, Inc.

MetricBL (Apr 24, 2026)NCNO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i81.85364.60
Forward P/E i11.5713.08
PEG Ratio i-0.90-2.54
Price to Sales (TTM) i2.713.52
Price to Book (MRQ) i5.751.96
Market Capitalization
Market Capitalization i$1.75B$1.94B
Enterprise Value i$2.06B$2.29B
Enterprise Value Metrics
Enterprise to Revenue i2.943.85
Enterprise to EBITDA i34.1638.79
Risk & Other Metrics
Beta i0.880.61
Book Value per Share (MRQ) i$5.55$9.28

Financial Statements Comparison: BlackLine, Inc. vs nCino, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBL (2025)NCNO (2026)
Revenue/Sales i700.43M594.78M
Cost of Goods Sold i173.39M234.61M
COGS % of Revenue i24.8%39.4%
Gross Profit i527.04M360.17M
Gross Margin i75.2%60.6%
Research & Development i109.20M127.53M
Operating Income (EBIT) i40.18M3.73M
Operating Margin i5.7%0.6%
EBITDA i119.54M66.42M
EBITDA Margin i17.1%11.2%
Pre-Tax Income i48.23M6.71M
Pre-Tax Income % of Revenue i6.9%1.1%
Income Tax i20.97M-3.00M
Income Tax % of Revenue i3.0%-0.5%
Net Income (Profit) i27.26M9.70M
Profit Margin i3.9%1.6%

Balance Sheet & Liquidity Metrics

MetricBL (2025)NCNO (2026)
Cash & Equivalents i390.03M88.37M
Total Current Assets i1.03B293.50M
Total Current Assets % of Revenue i146.4%49.3%
Total Current Liabilities i695.38M294.49M
Total Current Liabilities % of Revenue i99.3%49.5%
Long-Term Debt i685.94M273.65M
Long-Term Debt % of Revenue i97.9%46.0%
Total Shareholders Equity i371.45M1.07B
Retained Earnings i-24.82M-375.77M
Retained Earnings % of Revenue i-3.5%-63.2%
Property, Plant & Equipment i22.82M12.69M

Cash Flow Statement Comparison

MetricBL (2025)NCNO (2026)
Operating Cash Flow i177.59M107.78M
Operating Cash Flow % of Revenue i25.4%18.1%
Capital Expenditures i-8.07M-7.50M
Free Cash Flow i134.90M82.56M
FCF Margin i19.3%13.9%
Debt Repayment i-66,000-65.00M
Common Stock Repurchase i-252.44M-125.10M

Short Interest & Institutional Ownership Analysis

MetricBLNCNO
Shares Short i5.72M13.77M
Short Ratio i4.886.16
Short % of Float i14.26%14.23%
Shares Outstanding i59.88M113.90M
Float Shares i45.70M104.64M
% Held by Insiders i9.14%2.27%
% Held by Institutions i112.07%109.31%
% Held by Public i-21.21%-11.58%

Dividend Analysis & Yield Comparison: BlackLine, Inc. vs nCino, Inc.

MetricBLNCNO
Last 12-Month Dividend iN/AN/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend iN/AN/A
3-Year Avg Dividend Yield iN/AN/A
3-Year Total Dividends iN/AN/A
Ex-Dividend DateN/AN/A