nCino, Inc.
nCino, Inc.
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Financial Statements
Values in Millions ($) | 2026-04-30 | 2026-01-31 | 2025-10-31 | 2025-07-31 | 2025-04-30 | 2025-01-31 | 2024-10-31 | 2024-07-31 | 2024-04-30 | 2024-01-31 | 2023-10-31 | 2023-07-31 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Assets Current | |||||||||||||||||
Cash And Cash Equivalents At Carrying Value | 103 | 88 | 88 | 123 | 133 | 121 | 258 | 121 | 129 | 112 | 100 | 98 | |||||
Accounts Receivable Net Current | 125 | 167 | 87 | 98 | 104 | 147 | 65 | 79 | 79 | 113 | 62 | 81 | |||||
Capitalized Contract Cost Net Current | 17 | 17 | 15 | 14 | 14 | 13 | 12 | 12 | 11 | 11 | 10 | 9 | |||||
Prepaid Expense And Other Assets Current | 23 | 21 | 20 | 19 | 22 | 21 | 14 | 17 | 17 | 15 | 19 | 21 | |||||
Assets Current | 267 | 294 | 209 | 255 | 274 | 302 | 349 | 229 | 237 | 251 | 191 | 209 | |||||
Property Plant And Equipment Net | 75 | 76 | 76 | 77 | 77 | 75 | 76 | 77 | 78 | 79 | 81 | 82 | |||||
Operating Lease Right Of Use Asset | 12 | 13 | 13 | 13 | 16 | 16 | 15 | 16 | 17 | 19 | 9 | 8 | |||||
Capitalized Contract Cost Net Noncurrent | 30 | 31 | 24 | 23 | 23 | 24 | 20 | 19 | 19 | 17 | 16 | 16 | |||||
Goodwill | 1,076 | 1,078 | 1,071 | 1,071 | 1,081 | 1,019 | 909 | 908 | 908 | 839 | 839 | 839 | |||||
Finite Lived Intangible Assets Net | 126 | 136 | 143 | 152 | 161 | 155 | 128 | 136 | 143 | 116 | 122 | 139 | |||||
Long Term Investments | 7 | 7 | 7 | 7 | 7 | 9 | 9 | 9 | 9 | 9 | 9 | 7 | |||||
Prepaid Expense And Other Assets Noncurrent | 15 | 15 | 17 | 18 | 12 | 10 | 11 | 15 | 14 | 10 | 2 | 2 | |||||
Assets | 1,608 | 1,648 | 1,561 | 1,616 | 1,651 | 1,610 | 1,517 | 1,409 | 1,424 | 1,340 | 1,268 | 1,302 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities Current | |||||||||||||||||
Accounts Payable Current | 16 | 15 | 13 | 14 | 15 | 14 | 12 | 13 | 16 | 12 | 13 | 10 | |||||
Other Accrued Liabilities Current | 44 | 64 | 38 | 34 | 35 | 40 | 12 | 8 | 9 | 11 | 11 | 12 | |||||
Employee Related Liabilities Current | - | 25 | - | - | - | 24 | 16 | 12 | 11 | 16 | 14 | 12 | |||||
Contract With Customer Liability Current | 225 | 211 | 152 | 195 | 204 | 191 | 132 | 172 | 180 | 171 | 130 | 169 | |||||
Long Term Debt Current | 10 | - | - | - | - | - | - | - | - | - | - | - | |||||
Finance Lease Liability Current | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | |||||
Operating Lease Liability Current | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 4 | 4 | 4 | 3 | |||||
Liabilities Current | 300 | 294 | 208 | 249 | 261 | 252 | 179 | 211 | 222 | 215 | 173 | 208 | |||||
Operating Lease Liability Noncurrent | 9 | 10 | 10 | 10 | 12 | 13 | 12 | 13 | 13 | 16 | 6 | 6 | |||||
Deferred Income Tax Liabilities Net | 8 | 7 | 18 | 19 | 21 | 14 | 11 | 11 | 10 | 4 | 3 | 3 | |||||
Contract With Customer Liability Noncurrent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | - | - | |||||
Long Term Line Of Credit | - | 214 | 204 | 204 | 209 | 166 | 166 | 40 | 55 | 0 | 0 | 0 | |||||
Long Term Debt Noncurrent | 253 | - | - | - | - | - | - | - | - | - | - | - | |||||
Finance Lease Liability Noncurrent | 50 | 50 | 50 | 50 | 51 | 51 | 52 | 52 | 52 | 53 | 53 | 53 | |||||
Other Liabilities Noncurrent | 4 | 4 | 18 | 17 | 17 | 17 | 4 | 3 | 3 | 0 | - | - | |||||
Liabilities | 623 | 579 | 507 | 549 | 570 | 513 | 423 | 330 | 356 | 288 | 236 | 270 | |||||
Redeemable Noncontrolling Interest Equity Carrying… | 14 | 13 | 12 | 10 | 9 | 8 | 5 | 4 | 4 | 3 | 3 | 3 | |||||
Stockholders Equity Inclu… | |||||||||||||||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Treasury Stock Value | -219 | -126 | -100 | -61 | -41 | 0 | - | - | - | - | - | - | |||||
Additional Paid In Capital | 1,547 | 1,550 | 1,527 | 1,511 | 1,491 | 1,474 | 1,456 | 1,439 | 1,418 | 1,401 | 1,382 | 1,365 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | 4 | 7 | -1 | -0 | 2 | 0 | 2 | 1 | 1 | 1 | 1 | 1 | |||||
Retained Earnings Accumulated Deficit | -361 | -376 | -384 | -393 | -379 | -385 | -370 | -366 | -355 | -353 | -354 | -338 | |||||
Stockholders Equity | 970 | 1,056 | 1,041 | 1,057 | 1,072 | 1,089 | 1,088 | 1,075 | 1,064 | 1,049 | 1,029 | 1,028 | |||||
Liabilities And Stockholders Equity | 1,608 | 1,648 | 1,561 | 1,616 | 1,651 | 1,610 | 1,517 | 1,409 | 1,424 | 1,340 | 1,268 | 1,302 | |||||
Variable Interest Entity Primary Beneficiary | 8 | 3 | 1 | -1 | 3 | 2 | -0 | -0 | 2 | 2 | 1 | -0 | |||||
Related Party | - | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 3 | 3 | 0 | 3 | |||||
Allowance For Doubtful Accounts Receivable Current | 3 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | |||||
Preferred Stock Par Or Stated Value Per Share | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | |||||
Preferred Stock Shares Authorized | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | 0.001 | |||||
Common Stock Shares Authorized | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | |||||
Common Stock Shares Issued | 120 | 119 | 118 | 118 | 117 | 116 | 116 | 115 | 114 | 114 | 113 | 113 | |||||
Shares Outstanding | 109 | 114 | 114 | 115 | 115 | 116 | 116 | 115 | 114 | 114 | 113 | 113 | |||||
Treasury Stock Common Shares | 11 | 5 | 4 | 3 | 2 | 0 | - | - | 0 | - | - | - | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2027 | -2.57% | 17.51% | - | - | - | - | - | - | - | - | - | - |
| 2026 | -1.23% | 14.30% | 3.62% | 3.28% | -17.18% | -11.05% | 2.82% | -4.97% | -38.91% | 18.02% | 7.28% | -1.20% |
| 2025 | 5.11% | 6.07% | 13.57% | -11.84% | 5.94% | 16.48% | -18.99% | -23.36% | -24.56% | -18.07% | -6.61% | -5.94% |
| 2024 | 9.17% | 12.44% | 7.31% | 7.19% | -6.38% | 2.48% | 11.54% | 6.87% | -0.10% | -2.55% | 6.00% | 5.00% |
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Performance and Valuation Metrics
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Metrics | 2026-04-30 | 2026-01-31 | 2025-10-31 | 2025-07-31 | 2025-04-30 | 2025-01-31 | 2024-10-31 | 2024-07-31 | 2024-04-30 | 2024-01-31 | 2023-10-31 | 2023-07-31 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Liquidity Ratios | |||||||||||||||||
| Current Ratio | 0.89 | 1.00 | 1.01 | 1.03 | 1.05 | 1.20 | 1.95 | 1.08 | 1.07 | 1.17 | 1.10 | 1.01 | |||||
| Quick Ratio | 0.82 | 0.92 | 0.91 | 0.95 | 0.96 | 1.12 | 1.87 | 1.00 | 0.99 | 1.10 | 1.00 | 0.90 | |||||
| Working Capital | -32.43M | -989.00K | 1.14M | 6.45M | 12.94M | 50.74M | 169.73M | 17.77M | 14.89M | 35.74M | 17.90M | 1.07M | |||||
Leverage & Debt | |||||||||||||||||
| Debt to Equity | 0.64 | 0.55 | 0.49 | 0.52 | 0.53 | 0.47 | 0.39 | 0.31 | 0.33 | 0.27 | 0.23 | 0.26 | |||||
| Interest Coverage TTM | 1.51 | 0.21 | -0.28 | -1.21 | -1.36 | -2.07 | -2.68 | -5.51 | -8.16 | -9.56 | -14.09 | -16.46 | |||||
| Debt Ratio | 0.39 | 0.35 | 0.32 | 0.34 | 0.35 | 0.32 | 0.28 | 0.23 | 0.25 | 0.21 | 0.19 | 0.21 | |||||
Efficiency & Turnover | |||||||||||||||||
| Asset Turnover TTM | 0.37 | 0.37 | 0.38 | 0.38 | 0.36 | 0.37 | 0.38 | 0.37 | 0.36 | 0.36 | 0.36 | 0.34 | |||||
| Days Sales Outstanding TTM | 68.55 | 96.14 | 47.29 | 56.45 | 59.97 | 87.68 | 44.33 | 57.59 | 59.38 | 81.37 | 40.15 | 61.16 | |||||
| Receivables Turnover TTM | 5.32 | 3.80 | 7.72 | 6.47 | 6.09 | 4.16 | 8.23 | 6.34 | 6.15 | 4.49 | 9.09 | 5.97 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.16 | 0.08 | -0.18 | -0.30 | -0.26 | -0.33 | -0.15 | -0.26 | -0.30 | -0.39 | -0.58 | -0.64 | |||||
| Free Cash Flow Per Share TTM | 1.02 | 0.73 | 0.52 | 0.52 | 0.45 | 0.46 | 0.62 | 0.62 | 0.68 | 0.48 | 0.17 | 0.05 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 61.41% | 60.55% | 60.12% | 60.02% | 60.05% | 60.07% | 60.22% | 60.02% | 59.98% | 59.82% | 59.49% | 59.07% | |||||
| Operating Profit Margin TTM | 4.32% | 0.63% | -0.82% | -3.03% | -2.87% | -3.35% | -2.98% | -5.47% | -7.04% | -8.29% | -12.91% | -14.64% | |||||
| Net Profit Margin TTM | 2.91% | 1.63% | -3.48% | -5.98% | -5.39% | -7.01% | -3.40% | -5.87% | -7.04% | -9.13% | -14.14% | -16.10% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 9.58% | 10.01% | 12.14% | 13.24% | 13.39% | 13.45% | 13.19% | 13.64% | 14.77% | 16.71% | 54.46% | - | |||||
| Net Income Growth (1Y) | -159.24% | -125.62% | 14.57% | 15.26% | -13.19% | -12.98% | -72.76% | -58.56% | -58.38% | -57.26% | -19.18% | - | |||||
| EPS Growth (1Y) | -162.66% | -126.13% | 15.77% | 15.18% | -13.63% | -14.86% | -73.39% | -59.57% | -59.17% | -58.04% | -20.65% | - | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 106.66 | 248.38 | -149.73 | -93.96 | -88.71 | -103.40 | -242.35 | -126.97 | -96.30 | -81.49 | -48.59 | -50.70 | |||||
| P/B TTM | 1.95 | 2.28 | 2.93 | 3.05 | 2.48 | 3.60 | 3.96 | 3.51 | 3.13 | 3.38 | 3.09 | 3.54 | |||||
| P/S TTM | 3.11 | 4.05 | 5.20 | 5.62 | 4.78 | 7.24 | 8.25 | 7.46 | 6.78 | 7.44 | 6.87 | 8.16 | |||||
| Market Cap | 1.90B | 2.41B | 3.05B | 3.22B | 2.66B | 3.92B | 4.31B | 3.77B | 3.33B | 3.55B | 3.17B | 3.64B | |||||
| Enterprise Value | 2.06B | 2.37B | 3.02B | 3.15B | 2.58B | 3.85B | 4.11B | 3.70B | 3.25B | 3.48B | 3.12B | 3.59B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 110.75M | 82.56M | 59.72M | 59.92M | 51.89M | 53.38M | 71.47M | 71.62M | 78.17M | 53.77M | 19.59M | 5.67M | |||||
| Net Debt | 160.60M | -37.47M | -36.28M | -71.20M | -80.79M | -68.42M | -205.02M | -73.33M | -75.69M | -63.29M | -51.33M | -48.55M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
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| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
nCino, Inc. (NCNO) — SEC Financial Statements & Analysis
nCino, Inc. (NCNO) is a services-prepackaged software company, incorporated in DE. nCino, Inc. trades on Nasdaq as: NCNO. Based on its latest SEC filing (Form 10-Q, period ending 2026-04-30), nCino, Inc. reported a 9.58% year-over-year revenue growth, a Gross Profit Margin of 61.41% (TTM), a Debt-to-Equity ratio of 0.64x, a Price-to-Sales (P/S) ratio of 3.11x (TTM), a Price-to-Book (P/B) ratio of 1.95x (TTM), at a market cap of $1.90B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 9.58%
- Gross Profit Margin TTM
- 61.41%
- Debt To Equity
- 0.64x
- P/S TTM
- 3.11x
- P/B TTM
- 1.95x
- Market Cap
- $1.90B
Data as of 2026-04-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is nCino, Inc. in?
nCino, Inc. (NCNO) operates in the Services-Prepackaged Software industry.
What is NCNO's market cap?
nCino, Inc. (NCNO) has a market capitalization of $1.90B as of 2026-04-30.
What is NCNO's P/E ratio?
nCino, Inc. (NCNO)'s trailing twelve month P/E ratio is 106.66x as of 2026-04-30.
What exchange does NCNO trade on?
nCino, Inc. (NCNO) trades on the Nasdaq.
Where is nCino, Inc. incorporated?
nCino, Inc. is incorporated in DE.