CSGS
CSG Systems International, Inc.
Software - Infrastructure
Market Cap$2.29B
5Y Perf.+90.8%
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Stock Comparison
CSGS vs NCNO
Revenue, margins, valuation, and 5-year total return — side by side.
NCNO
nCino, Inc.
Software - Application
Market Cap$2.11B
5Y Perf.-77.5%
CSGS vs NCNO — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CSGS | NCNO |
|---|---|---|
| Industry | Software - Infrastructure | Software - Application |
| Market Cap | $2.29B | $2.11B |
| Revenue (TTM) | $1.24B | $586M |
| Net Income (TTM) | $64M | $-22M |
| Gross Margin | 48.3% | 60.1% |
| Operating Margin | 13.9% | -0.8% |
| Forward P/E | 15.9x | 19.6x |
| Total Debt | $587M | $237M |
| Cash & Equiv. | $180M | $121M |
CSGS vs NCNO — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CSGS
NCNO
| Stock | Jul 20 | May 26 | Return |
|---|---|---|---|
| CSG Systems Interna… (CSGS) | 100 | 190.8 | +90.8% |
| nCino, Inc. (NCNO) | 100 | 22.5 | -77.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CSGS vs NCNO
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CSGS leads in 6 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. nCino, Inc. is the stronger pick specifically for growth and revenue expansion. As sector peers, any of these can serve as alternatives in the same allocation.
CSGS
CSG Systems International, Inc.
The Income Pick
CSGS carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 0.44, yield 1.6%
- 114.6% 10Y total return vs NCNO's -80.6%
- Lower volatility, beta 0.44, current ratio 1.44x
Best for: income & stability and long-term compounding
NCNO
nCino, Inc.
The Growth Play
NCNO is the clearest fit if your priority is growth exposure.
- Rev growth 13.5%, EPS growth 13.2%, 3Y rev CAGR 25.4%
- 13.5% revenue growth vs CSGS's 2.2%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NCNO | 13.5% revenue growth vs CSGS's 2.2% |
| Value | CSGS | Lower P/E (15.9x vs 19.6x) |
| Quality / Margins | CSGS | 5.1% margin vs NCNO's -3.7% |
| Stability / Safety | CSGS | Beta 0.44 vs NCNO's 1.18 |
| Dividends | CSGS | 1.6% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | CSGS | +33.5% vs NCNO's -22.1% |
| Efficiency (ROA) | CSGS | 4.3% ROA vs NCNO's -1.4%, ROIC 32.5% vs -1.2% |
CSGS vs NCNO — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
CSGS vs NCNO — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCSGSLAGGINGNCNO
NCNOnCino, Inc.
0leads
CSGSCSG Systems Internati…
4leads
6 Total Categories
CATEGORYLEADERvs NCNOMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
CSGS4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CSGS5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
CSGS6/6
Risk & VolatilityBeta, volatility, and downside exposure
CSGS2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
Evenly matched — CSGS and NCNO each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
CSGS is the larger business by revenue, generating $1.2B annually — 2.1x NCNO's $586M. CSGS is the more profitable business, keeping 5.1% of every revenue dollar as net income compared to NCNO's -3.7%. On growth, NCNO holds the edge at +9.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | CSGSCSG Systems Inter… | NCNOnCino, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $1.2B | $586M |
| EBITDAEarnings before interest/tax | $225M | $27M |
| Net IncomeAfter-tax profit | $64M | -$22M |
| Free Cash FlowCash after capex | $131M | $60M |
| Gross MarginGross profit ÷ Revenue | +48.3% | +60.1% |
| Operating MarginEBIT ÷ Revenue | +13.9% | -0.8% |
| Net MarginNet income ÷ Revenue | +5.1% | -3.7% |
| FCF MarginFCF ÷ Revenue | +10.6% | +10.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +4.8% | +9.6% |
| EPS Growth (YoY)Latest quarter vs prior year | +45.6% | +2.3% |
Evenly matched — CSGS and NCNO each lead in 3 of 6 comparable metrics.
Valuation Metrics
CSGS leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
On an enterprise value basis, CSGS's 7.3x EV/EBITDA is more attractive than NCNO's 122.0x.
| Metric | CSGSCSG Systems Inter… | NCNOnCino, Inc. |
|---|---|---|
| Market CapShares × price | $2.3B | $2.1B |
| Enterprise ValueMkt cap + debt − cash | $2.7B | $2.2B |
| Trailing P/EPrice ÷ TTM EPS | 40.60x | -53.88x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.86x | 19.64x |
| PEG RatioP/E ÷ EPS growth rate | 23.89x | — |
| EV / EBITDAEnterprise value multiple | 7.26x | 121.97x |
| Price / SalesMarket cap ÷ Revenue | 1.87x | 3.89x |
| Price / BookPrice ÷ Book value/share | 8.00x | 1.87x |
| Price / FCFMarket cap ÷ FCF | 16.21x | 39.45x |
CSGS leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
CSGS leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
CSGS delivers a 22.0% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $-2 for NCNO. NCNO carries lower financial leverage with a 0.22x debt-to-equity ratio, signaling a more conservative balance sheet compared to CSGS's 2.07x.
| Metric | CSGSCSG Systems Inter… | NCNOnCino, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +22.0% | -2.1% |
| ROA (TTM)Return on assets | +4.3% | -1.4% |
| ROICReturn on invested capital | +32.5% | -1.2% |
| ROCEReturn on capital employed | +33.7% | -1.5% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 2.07x | 0.22x |
| Net DebtTotal debt minus cash | $407M | $116M |
| Cash & Equiv.Liquid assets | $180M | $121M |
| Total DebtShort + long-term debt | $587M | $237M |
| Interest CoverageEBIT ÷ Interest expense | 6.10x | -0.51x |
CSGS leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
CSGS leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CSGS five years ago would be worth $18,936 today (with dividends reinvested), compared to $3,144 for NCNO. Over the past 12 months, CSGS leads with a +33.5% total return vs NCNO's -22.1%. The 3-year compound annual growth rate (CAGR) favors CSGS at 19.9% vs NCNO's -7.6% — a key indicator of consistent wealth creation.
| Metric | CSGSCSG Systems Inter… | NCNOnCino, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +5.2% | -27.9% |
| 1-Year ReturnPast 12 months | +33.5% | -22.1% |
| 3-Year ReturnCumulative with dividends | +72.4% | -21.0% |
| 5-Year ReturnCumulative with dividends | +89.4% | -68.6% |
| 10-Year ReturnCumulative with dividends | +114.6% | -80.6% |
| CAGR (3Y)Annualised 3-year return | +19.9% | -7.6% |
CSGS leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
CSGS leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CSGS is the less volatile stock with a 0.44 beta — it tends to amplify market swings less than NCNO's 1.18 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CSGS currently trades 99.7% from its 52-week high vs NCNO's 52.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CSGSCSG Systems Inter… | NCNOnCino, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.44x | 1.18x |
| 52-Week HighHighest price in past year | $80.67 | $33.92 |
| 52-Week LowLowest price in past year | $60.04 | $13.80 |
| % of 52W HighCurrent price vs 52-week peak | +99.7% | +52.4% |
| RSI (14)Momentum oscillator 0–100 | 56.6 | 50.1 |
| Avg Volume (50D)Average daily shares traded | 342K | 2.7M |
CSGS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates CSGS as "Buy" and NCNO as "Buy". Consensus price targets imply 81.8% upside for NCNO (target: $32) vs 0.4% for CSGS (target: $81). CSGS is the only dividend payer here at 1.65% yield — a key consideration for income-focused portfolios.
| Metric | CSGSCSG Systems Inter… | NCNOnCino, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $80.70 | $32.33 |
| # AnalystsCovering analysts | 15 | 23 |
| Dividend YieldAnnual dividend ÷ price | +1.6% | — |
| Dividend StreakConsecutive years of raises | 1 | — |
| Dividend / ShareAnnual DPS | $1.33 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +3.6% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
CSGS leads in 4 of 6 categories — strongest in Valuation Metrics and Profitability & Efficiency. 1 category is tied.
Best OverallCSG Systems International, … (CSGS)Leads 4 of 6 categories
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CSGS vs NCNO: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CSGS or NCNO a better buy right now?
For growth investors, nCino, Inc.
(NCNO) is the stronger pick with 13. 5% revenue growth year-over-year, versus 2. 2% for CSG Systems International, Inc. (CSGS). CSG Systems International, Inc. (CSGS) offers the better valuation at 40. 6x trailing P/E (15. 9x forward), making it the more compelling value choice. Analysts rate CSG Systems International, Inc. (CSGS) a "Buy" — based on 15 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CSGS or NCNO?
On forward P/E, CSG Systems International, Inc.
is actually cheaper at 15. 9x.
03Which is the better long-term investment — CSGS or NCNO?
Over the past 5 years, CSG Systems International, Inc.
(CSGS) delivered a total return of +89. 4%, compared to -68. 6% for nCino, Inc. (NCNO). Over 10 years, the gap is even starker: CSGS returned +114. 6% versus NCNO's -80. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CSGS or NCNO?
By beta (market sensitivity over 5 years), CSG Systems International, Inc.
(CSGS) is the lower-risk stock at 0. 44β versus nCino, Inc. 's 1. 18β — meaning NCNO is approximately 169% more volatile than CSGS relative to the S&P 500. On balance sheet safety, nCino, Inc. (NCNO) carries a lower debt/equity ratio of 22% versus 2% for CSG Systems International, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CSGS or NCNO?
By revenue growth (latest reported year), nCino, Inc.
(NCNO) is pulling ahead at 13. 5% versus 2. 2% for CSG Systems International, Inc. (CSGS). On earnings-per-share growth, the picture is similar: nCino, Inc. grew EPS 13. 2% year-over-year, compared to -34. 7% for CSG Systems International, Inc.. Over a 3-year CAGR, NCNO leads at 25. 4% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CSGS or NCNO?
CSG Systems International, Inc.
(CSGS) is the more profitable company, earning 4. 6% net margin versus -7. 0% for nCino, Inc. — meaning it keeps 4. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CSGS leads at 24. 5% versus -3. 4% for NCNO. At the gross margin level — before operating expenses — NCNO leads at 60. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CSGS or NCNO more undervalued right now?
On forward earnings alone, CSG Systems International, Inc.
(CSGS) trades at 15. 9x forward P/E versus 19. 6x for nCino, Inc. — 3. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NCNO: 81. 8% to $32. 33.
08Which pays a better dividend — CSGS or NCNO?
In this comparison, CSGS (1.
6% yield) pays a dividend. NCNO does not pay a meaningful dividend and should not be held primarily for income.
09Is CSGS or NCNO better for a retirement portfolio?
For long-horizon retirement investors, CSG Systems International, Inc.
(CSGS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 44), 1. 6% yield, +114. 6% 10Y return). Both have compounded well over 10 years (CSGS: +114. 6%, NCNO: -80. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CSGS and NCNO?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
CSGS pays a dividend while NCNO does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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