NCNO vs ECPG

Comparison between Ncino Inc (NCNO, Company) and Encore Capital Group Inc (ECPG, Company).

NCNO is from the Technology sector, while ECPG is from the Financial Services sector.

5-Year PerformanceECPG has outperformed NCNO, delivering a return of +13.7% compared to -23.9%

NCNO vs ECPG - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	NCNO(COMPANY)	ECPG(COMPANY)
Market Cap	$1.94B	$1.93B
Max Drawdown	85.71%	95.07%
Sharpe Ratio	-1.02	2.49
5Y Beta	0.91	1.25
Industry	Software - Application	Credit Services
P/E Ratio	143.99	6.73
Forward P/E	14.60	5.54
PEG Ratio	N/A	0.17
5Y EPS CAGR	N/A	5.64%
Debt to Equity	27.08%	0.00%
Free Cash Flow Yield	5.72%	8.60%
P/S Ratio	3.19	1.04
P/B Ratio	1.98	1.88

Market Cap

Winner

NCNO

$1.94B

ECPG

$1.93B

Max Drawdown

Winner

NCNO

85.71%

ECPG

95.07%

Sharpe Ratio

NCNO

-1.02

Winner

ECPG

2.49

5Y Beta

Winner

NCNO

0.91

ECPG

1.25

Industry

NCNO

Software - Application

ECPG

Credit Services

P/E Ratio

NCNO

143.99

Winner

ECPG

6.73

Forward P/E

NCNO

14.60

Winner

ECPG

5.54

PEG Ratio

NCNO

N/A

ECPG

0.17

5Y EPS CAGR

NCNO

N/A

ECPG

5.64%

Debt to Equity

NCNO

27.08%

Winner

ECPG

0.00%

Free Cash Flow Yield

NCNO

5.72%

Winner

ECPG

8.60%

P/S Ratio

NCNO

3.19

Winner

ECPG

1.04

P/B Ratio

NCNO

1.98

Winner

ECPG

1.88

NCNO vs ECPG - Historical Returns

Returns include dividend reinvestment.

Period	NCNO	ECPG
1 month	+18.44%	+6.25%
3 months	-5.21%	+9.11%
6 months	-24.67%	+59.03%
1 year	-43.95%	+130.37%
5 years(CAGR)	-23.89%	+13.66%
10 years(CAGR)	N/A	+13.81%
Max(CAGR)	-24.21%	+12.96%

Winner

NCNO

+18.44%

ECPG

+6.25%

NCNO

-5.21%

Winner

ECPG

+9.11%

NCNO

-24.67%

Winner

ECPG

+59.03%

NCNO

-43.95%

Winner

ECPG

+130.37%

5Y(CAGR)

NCNO

-23.89%

Winner

ECPG

+13.66%

10Y(CAGR)

NCNO

N/A

ECPG

+13.81%

Max(CAGR)

NCNO

-24.21%

Winner

ECPG

+12.96%

NCNO vs ECPG - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	NCNO	ECPG
2026	-29.90%	+59.54%
2025	-23.26%	+15.64%
2024	-3.14%	-7.37%
2023	+27.24%	+2.88%
2022	-52.96%	-21.93%
2021	-23.43%	+66.83%
2020	-20.94%	+8.38%
2019	N/A	+44.09%
2018	N/A	-44.05%
2017	N/A	+43.93%
2016	N/A	-1.61%
2015	N/A	-33.70%
2014	N/A	-10.36%
2013	N/A	+63.66%
2012	N/A	+37.12%
2011	N/A	-10.67%
2010	N/A	+33.16%
2009	N/A	+151.08%
2008	N/A	-18.64%
2007	N/A	-21.11%
2006	N/A	-26.49%
2005	N/A	-25.50%
2004	N/A	+60.68%
2003	N/A	+1158.33%
2002	N/A	+323.08%
2001	N/A	-23.53%
2000	N/A	-90.41%
1999	N/A	+12.79%

NCNO vs ECPG Drawdown Comparison

The maximum drawdown for NCNO was -85.71%, occurring on Mar 27, 2026. This drawdown has not yet recovered.

The maximum drawdown for ECPG was -95.07%, occurring on Dec 14, 2000. Recovery took 871 trading sessions.

The current NCNO drawdown is -82.37%. The current ECPG drawdown is -4.89%.

Rank	NCNO	ECPG
#1	-85.71% Sep 1, 2020 - Mar 27, 2026	-95.07% Nov 5, 1999 - Apr 29, 2003
#2	-25.49% Jul 14, 2020 - Aug 31, 2020	-88.48% Nov 30, 2004 - Feb 15, 2011
#3	N/A	-67.51% Feb 14, 2014 - Oct 13, 2021
#4	N/A	-62.54% Jul 29, 2022 - Mar 4, 2026
#5	N/A	-41.61% May 31, 2011 - May 17, 2013
#6	N/A	-32.81% Jul 25, 2003 - Dec 12, 2003
#7	N/A	-24.27% Jan 30, 2004 - Sep 7, 2004
#8	N/A	-22.40% Feb 18, 2022 - Jul 29, 2022
#9	N/A	-17.00% Jun 17, 2003 - Jul 15, 2003
#10	N/A	-15.31% Apr 30, 2003 - May 9, 2003
#11	N/A	-13.94% Jun 13, 2013 - Jul 31, 2013
#12	N/A	-13.85% Feb 25, 2011 - Apr 26, 2011
#13	N/A	-11.23% Oct 30, 2013 - Feb 13, 2014
#14	N/A	-9.88% Mar 4, 2026 - Apr 7, 2026
#15	N/A	-7.93% Nov 8, 2021 - Dec 22, 2021

Correlation

Correlation between NCNO and ECPG is -0.40 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.40

-101