nCino, Inc. financials
Source: EDGAR filings · Built 2026-06-02T03:38:15Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2022 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 80.93M | 52.08M | 52.54M | -34.84M | -25.01M | 4.85M |
| EBITDA | 45.98M | 18.21M | 5.75M | -59.36M | -61.35M | -35.18M |
| Working Capital | -989.00K | 50.74M | 35.74M | 2.04M | 9.13M | 326.54M |
| Net Debt | 190.32M | -50.10M | -37.86M | -15.50M | -39.17M | -355.16M |
| Gross Margin | 60.55% | 60.07% | 59.82% | 58.46% | 59.32% | 56.86% |
| Operating Margin | 0.63% | -3.35% | -8.29% | -23.02% | -26.06% | -20.86% |
| Net Margin | 0.87% | -7.01% | -8.89% | -25.16% | -18.05% | -19.84% |
| Return on Equity (ROE) | 0.49% | -3.48% | -4.04% | -10.03% | -4.63% | -9.53% |
| Return on Assets (ROA) | 0.31% | -2.35% | -3.16% | -7.74% | -3.80% | -7.19% |
| Current Ratio | 1.00× | 1.20× | 1.17× | 1.01× | 1.05× | 3.82× |
| Debt-to-Equity | 0.26× | 0.07× | 0.07× | 0.07× | 0.05× | 0.04× |
| Effective Tax Rate | -44.67% | 7.06% | -3.79% | -4.16% | 32.23% | -1.44% |
| Cash Conversion Ratio | 17.39× | -1.46× | -1.35× | 0.15× | 0.39× | -0.23× |
| Accruals Ratio | -0.05× | -0.06× | -0.07× | -0.07× | -0.02× | -0.09× |
| SBC % of Revenue | 12.42% | 13.24% | 12.18% | 12.30% | 10.40% | 12.34% |
| CapEx Coverage | 9.86× | 17.70× | 12.08× | -0.79× | -3.33× | 2.11× |
| Free Cash Flow Per Share | $0.71 | $0.45 | $0.47 | $-0.32 | $-0.26 | $0.06 |
Valuation Metrics
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2022 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 427.00× | — | — | — | — | — |
| P/FCF | 30.16× | 75.21× | 67.51× | — | — | 1296.56× |
| FCF Yield | 3.32% | 1.33% | 1.48% | — | — | 0.08% |
| EV / EBITDA | 57.03× | 213.84× | 615.60× | — | — | — |
| P/S | 4.09× | 7.30× | 7.51× | 7.80× | 18.37× | 32.87× |
| P/B | 2.30× | 3.62× | 3.41× | 3.11× | 4.71× | 15.79× |
Income Statement
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2022 |
|---|---|---|---|---|---|---|
| Revenue from Contract with Customer, Excluding Assessed Tax | 594.78M | 540.66M | 476.54M | 408.31M | 273.87M | 204.29M |
| Cost of Goods and Services Sold | 234.61M | 215.87M | 191.47M | 169.61M | 111.41M | 88.14M |
| Gross Profit | 360.17M | 324.79M | 285.07M | 238.71M | 162.45M | 116.16M |
| Research and Development Expense | 127.53M | 129.42M | 117.31M | 121.58M | 79.36M | 58.26M |
| Operating Expenses | 356.44M | 342.92M | 324.58M | 332.72M | 233.81M | 158.77M |
| Operating Income (Loss) | 3.73M | -18.13M | -39.51M | -94.01M | -71.36M | -42.61M |
| Income Tax Expense (Benefit) | -3.00M | -2.51M | 1.59M | 4.07M | -23.83M | 586.00K |
| Net Income (Loss) Attributable to Parent | 5.18M | -37.88M | -42.35M | -102.72M | -49.45M | -40.54M |
| Earnings Per Share, Basic | $0.05 | $-0.33 | $-0.38 | $-0.93 | $-0.51 | $-0.46 |
| Weighted Average Number of Shares Outstanding, Basic | 112.88M | 115.16M | 112.67M | 110.62M | 96.72M | 87.68M |
| Earnings Per Share, Diluted | $0.05 | $-0.33 | $-0.38 | $-0.93 | $-0.51 | $-0.46 |
| Weighted Average Number of Shares Outstanding, Diluted | 114.35M | 115.16M | 112.67M | 110.62M | 96.72M | 87.68M |
Balance Sheet
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2022 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 88.37M | 120.93M | 112.08M | 82.04M | 88.01M | 371.43M |
| Assets, Current | 293.50M | 302.25M | 250.78M | 207.19M | 183.51M | 442.23M |
| Assets | 1.65B | 1.61B | 1.34B | 1.33B | 1.30B | 563.40M |
| Long-term Debt | 213.50M | — | — | — | — | — |
| Liabilities, Current | 294.49M | 251.51M | 215.04M | 205.16M | 174.38M | 115.69M |
| Long-term Debt, Excluding Current Maturities | 213.50M | — | — | — | — | — |
| Liabilities | 579.45M | 512.78M | 287.83M | 299.60M | 230.51M | 134.43M |
| Stockholders' Equity Attributable to Parent | 1.06B | 1.09B | 1.05B | 1.02B | 1.07B | 425.18M |
| Common Stock, Shares, Outstanding | 113.90M | 116.00M | 113.68M | 111.42M | 109.78M | 93.64M |
Cash Flow Statement
| Concept | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2022 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 90.06M | 55.20M | 57.28M | -15.38M | -19.23M | 9.22M |
| Payments to Acquire Property, Plant, and Equipment | 7.50M | 1.82M | 3.52M | 18.34M | 5.46M | 4.34M |
| Net Cash Provided by (Used in) Investing Activities | -54.08M | -219.18M | -6.33M | -20.73M | -278.49M | -4.34M |
| Payments for Repurchase of Common Stock | 125.10M | 0 | 0 | — | — | — |
| Net Cash Provided by (Used in) Financing Activities | -73.03M | 170.48M | -21.11M | 36.71M | 15.92M | 274.12M |
Derived Metrics
| Concept | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 80.47M | 12.09M | 68.84M | 64.37M | 52.19M | -10.76M |
| EBITDA | 31.20M | 13.08M | — | — | 9.19M | 4.47M |
| Working Capital | -32.43M | -989.00K | 1.14M | 6.45M | 12.94M | 50.74M |
| Net Debt | 223.90M | 190.32M | -21.72M | -56.95M | -63.38M | -50.10M |
| Gross Margin | 63.32% | 61.41% | 61.57% | 59.22% | 59.97% | 59.67% |
| Operating Margin | 13.25% | 1.88% | 7.70% | -6.25% | -1.05% | -4.06% |
| Net Margin | 8.56% | 5.57% | 4.30% | -10.25% | 3.86% | -13.16% |
| Return on Equity (ROE) | 1.41% | 0.79% | 0.63% | -1.44% | 0.52% | -1.71% |
| Return on Assets (ROA) | 0.85% | 0.51% | 0.42% | -0.94% | 0.34% | -1.16% |
| Current Ratio | 0.89× | 1.00× | 1.01× | 1.03× | 1.05× | 1.20× |
| Debt-to-Equity | 0.34× | 0.26× | 0.06× | 0.06× | 0.07× | 0.07× |
| Cash Conversion Ratio | 5.97× | 1.55× | 11.79× | -4.72× | 9.77× | 0.54× |
| Accruals Ratio | -0.04× | -0.00× | -0.05× | -0.05× | -0.03× | -0.01× |
| SBC % of Revenue | 8.72% | 14.17% | 34.62% | 23.14% | 10.97% | 13.14% |
| CapEx Coverage | 87.06× | 15.22× | 9.31× | 9.37× | 25.53× | -13.61× |
| Free Cash Flow Per Share | $0.74 | $0.11 | $0.59 | $0.56 | $0.45 | $-0.09 |
Valuation Metrics
| Concept | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 134.46× | 355.83× | — | — | — | — |
| P/S | 3.12× | 4.09× | 5.21× | 5.63× | 4.80× | 7.30× |
| P/B | 1.96× | 2.30× | 2.93× | 3.05× | 2.49× | 3.62× |
Income Statement
| Concept | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 |
|---|---|---|---|---|---|---|
| Revenue from Contract with Customer, Excluding Assessed Tax | 159.41M | 149.67M | 152.16M | 148.81M | 144.14M | 141.37M |
| Cost of Goods and Services Sold | 58.48M | 57.75M | 58.48M | 60.69M | 57.70M | 57.01M |
| Gross Profit | 100.94M | 91.92M | 93.69M | 88.13M | 86.44M | 84.36M |
| Research and Development Expense | 28.86M | 29.98M | 29.54M | 34.67M | 33.34M | 32.13M |
| Operating Expenses | 79.82M | 89.10M | 81.97M | 97.42M | 87.95M | 90.09M |
| Operating Income (Loss) | 21.12M | 2.82M | 11.72M | -9.30M | -1.51M | -5.74M |
| Income Tax Expense (Benefit) | 1.68M | -8.04M | -695.00K | 1.21M | 4.53M | -3.87M |
| Net Income (Loss) Attributable to Parent | 13.64M | 8.34M | 6.54M | -15.26M | 5.56M | -18.61M |
| Earnings Per Share, Basic | $0.13 | $0.08 | $0.06 | $-0.13 | $0.05 | $-0.16 |
| Weighted Average Number of Shares Outstanding, Basic | 108.50M | 112.88M | 114.41M | 115.26M | 114.78M | 115.16M |
| Earnings Per Share, Diluted | $0.12 | $0.08 | $0.06 | $-0.13 | $0.05 | $-0.16 |
| Weighted Average Number of Shares Outstanding, Diluted | 109.46M | 114.35M | 115.83M | 115.26M | 116.58M | 115.16M |
Balance Sheet
| Concept | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 102.81M | 88.37M | 87.59M | 122.94M | 133.23M | 120.93M |
| Assets, Current | 267.43M | 293.50M | 209.22M | 255.09M | 273.68M | 302.25M |
| Assets | 1.61B | 1.65B | 1.56B | 1.62B | 1.65B | 1.61B |
| Long-term Debt | 262.81M | 213.50M | — | — | — | — |
| Liabilities, Current | 299.86M | 294.49M | 208.08M | 248.64M | 260.74M | 251.51M |
| Long-term Debt, Excluding Current Maturities | 253.01M | 213.50M | — | — | — | — |
| Liabilities | 623.38M | 579.45M | 507.25M | 548.85M | 570.00M | 512.78M |
| Stockholders' Equity Attributable to Parent | 970.36M | 1.06B | 1.04B | 1.06B | 1.07B | 1.09B |
| Common Stock, Shares, Outstanding | 108.79M | 113.90M | 114.43M | 115.44M | 115.24M | 116.00M |
Cash Flow Statement
| Concept | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 81.41M | 12.94M | 77.13M | 72.06M | 54.32M | -10.02M |
| Payments to Acquire Property, Plant, and Equipment | 614.00K | 461.00K | 7.04M | 6.87M | 1.72M | 350.00K |
| Net Cash Provided by (Used in) Investing Activities | -614.00K | -461.00K | -53.62M | -53.45M | -48.30M | -126.42M |
| Payments for Repurchase of Common Stock | 110.08M | 25.02M | 100.08M | 60.60M | 40.59M | 0 |
| Net Cash Provided by (Used in) Financing Activities | -65.89M | -13.22M | -59.81M | -20.18M | 2.25M | 2.04M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (NCNO CIK 0001902733),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.