nCino Inc (NCNO)

Name: nCino Inc Financial Statements
Creator: Quarter Results

Technology | Software Application

Latest reporting period: 2026-01-31

Latest Quarter

2026-01-31

Revenue

$150M

Net Income

$8.3M

Operating Margin

1.9%

Free Cash Flow

$82.6M

Debt / Assets

35.2%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for nCino Inc (NCNO).
Income Statement (Quarterly)	2026-01-31	2025-10-31	2025-07-31	2025-04-30
Revenue	149,666,000	152,163,000	148,815,000	144,137,000
Cost of Revenue	57,750,000	58,477,000	60,690,000	57,695,000
Gross Profit	91,916,000	93,686,000	88,125,000	86,442,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	59,117,000	52,429,000	62,754,000	54,614,000
Operating Expenses	89,096,000	81,970,000	97,421,000	87,955,000
Operating Income	2,820,000	11,716,000	-9,296,000	-1,513,000
Interest Expense	4,228,000	4,335,000	4,444,000	4,450,000
Income Before Tax	746,000	7,920,000	-12,510,000	10,551,000
Income Tax Expense	-7,590,000	-695,000	1,209,000	4,534,000
Net Income	8,336,000	6,539,000	-15,257,000	5,562,000
Per Share
EPS	0.07	0.06	-0.13	0.05
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for nCino Inc (NCNO).
Income Statement (Annual)	2026-01-31	2025-01-31	2024-01-31	2023-01-31	2022-01-31
Revenue	594,781,000	540,657,000	476,543,000	273,865,000	273,865,000
Cost of Revenue	234,612,000	215,869,000	191,470,000	111,413,000	111,413,000
Gross Profit	360,169,000	324,788,000	285,073,000	162,452,000	162,452,000
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	228,914,000	213,497,000	207,274,000	154,446,000	154,446,000
Operating Expenses	356,442,000	342,919,000	324,585,000	233,809,000	233,809,000
Operating Income	3,727,000	-18,131,000	-39,512,000	-71,357,000	-71,357,000
Interest Expense	17,457,000	8,763,000	4,135,000	1,514,000	1,514,000
Income Before Tax	6,707,000	-35,560,000	-41,936,000	-73,954,000	-73,954,000
Income Tax Expense	1,527,000	-2,511,000	1,590,000	-23,833,000	-23,833,000
Net Income	5,180,000	-37,878,000	-42,346,000	-50,121,000	-50,121,000
Per Share
EPS	0.05	-0.33	-0.38	-0.45	-0.52
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for nCino Inc (NCNO).
Balance Sheet (Quarterly)	2026-01-31	2025-01-31	2024-01-31	2023-01-31
Assets
Cash and Cash Equivalents	88,374,000	120,928,000	112,085,000	88,014,000
Short Term Investments	0	0	0	0
Net Receivables	166,540,000	146,787,000	112,975,000	74,528,000
Inventory	0	0	0	0
Total Current Assets	293,503,000	302,249,000	250,775,000	183,509,000
Property Plant Equipment	88,294,000	90,979,000	98,406,000	73,847,000
Goodwill and Intangibles	1,213,605,000	1,173,946,000	954,441,000	1,021,609,000
Total Assets	1,648,106,000	1,610,381,000	1,340,430,000	1,301,014,000
Liabilities
Account Payables	14,521,000	13,640,000	11,842,000	11,366,000
Short Term Debt	5,047,000	6,833,000	10,559,000	4,169,000
Total Current Liabilities	294,492,000	251,512,000	215,036,000	174,376,000
Long Term Debt	273,648,000	229,991,000	69,103,000	44,676,000
Total Liabilities	579,454,000	512,783,000	287,826,000	230,507,000
Shareholders Equity
Retained Earnings	-375,773,000	-385,335,000	-352,758,000	-209,616,000
Total Shareholders Equity	1,055,915,000	1,089,312,000	1,049,176,000	1,067,625,000

Balance sheet annual history for nCino Inc (NCNO).
Balance Sheet (Annual)	2026-01-31	2025-01-31	2024-01-31	2023-01-31	2022-01-31
Assets
Cash and Cash Equivalents	88,374,000	120,928,000	112,085,000	88,014,000	88,014,000
Short Term Investments	0	0	0	0	0
Net Receivables	166,540,000	146,787,000	112,975,000	74,528,000	74,528,000
Inventory	0	0	0	0	0
Total Current Assets	293,503,000	302,249,000	250,775,000	183,509,000	183,509,000
Property Plant Equipment	88,294,000	90,979,000	98,406,000	73,847,000	73,847,000
Goodwill and Intangibles	1,213,605,000	1,173,946,000	954,441,000	1,021,609,000	1,021,609,000
Total Assets	1,648,106,000	1,610,381,000	1,340,430,000	1,301,014,000	1,301,014,000
Liabilities
Account Payables	14,521,000	13,640,000	11,842,000	11,366,000	11,366,000
Short Term Debt	5,047,000	6,833,000	10,559,000	4,169,000	4,169,000
Total Current Liabilities	294,492,000	251,512,000	215,036,000	174,376,000	174,376,000
Long Term Debt	273,648,000	229,991,000	69,103,000	44,676,000	44,676,000
Total Liabilities	579,454,000	512,783,000	287,826,000	230,507,000	230,507,000
Shareholders Equity
Retained Earnings	-375,773,000	-385,335,000	-352,758,000	-209,616,000	-209,616,000
Total Shareholders Equity	1,055,915,000	1,089,312,000	1,049,176,000	1,067,625,000	1,067,625,000

Cash flow quarterly history for nCino Inc (NCNO).
Cash Flow Statement (Quarterly)	2026-01-31	2025-01-31	2024-01-31	2023-01-31
Operating Activities
Net Income	5,180,000	-37,878,000	-42,346,000	-50,121,000
Depreciation & Amortization	42,255,000	36,345,000	45,264,000	10,006,000
Stock Based Compensation	73,884,000	0	58,035,000	50,232,000
Change in Working Capital	-34,776,000	-38,460,000	-16,438,000	6,426,000
Operating Cash Flow	90,065,000	55,199,000	57,285,000	-19,229,000
Investing Activities
Capital Expenditure	-7,501,000	-2,266,000	-3,871,000	-5,463,000
Investments	-7,501,000	-2,266,000	-3,871,000	-5,463,000
Investing Cash Flow	-54,080,000	-219,177,000	-6,328,000	-278,488,000
Financing Activities
Debt Repayment	47,500,000	163,214,000	-30,000,000	-318,000
Common Stock Issued/Repurchased	-118,898,000	7,264,000	0	8,199,999
Dividends Paid	0	0	0	0
Financing Cash Flow	-73,032,000	170,478,000	-21,113,000	15,922,000
Summary
Free Cash Flow	82,564,000	52,933,000	53,414,000	-24,692,000
Net Change in Cash	-32,582,000	8,843,000	30,026,000	-283,026,000

Cash flow annual history for nCino Inc (NCNO).
Cash Flow Statement (Annual)	2026-01-31	2025-01-31	2024-01-31	2023-01-31	2022-01-31
Operating Activities
Net Income	5,180,000	-37,878,000	-42,346,000	-50,121,000	-50,121,000
Depreciation & Amortization	42,255,000	36,345,000	45,264,000	10,006,000	10,006,000
Stock Based Compensation	73,884,000	0	58,035,000	50,232,000	28,477,000
Change in Working Capital	-34,776,000	-38,460,000	-16,438,000	6,426,000	6,426,000
Operating Cash Flow	90,065,000	55,199,000	57,285,000	-19,229,000	-19,229,000
Investing Activities
Capital Expenditure	-7,501,000	-2,266,000	-3,871,000	-5,463,000	-5,463,000
Investments	-7,501,000	-2,266,000	-3,871,000	-5,463,000	-5,463,000
Investing Cash Flow	-54,080,000	-219,177,000	-6,328,000	-278,488,000	-278,488,000
Financing Activities
Debt Repayment	47,500,000	163,214,000	-30,000,000	-318,000	-318,000
Common Stock Issued/Repurchased	-118,898,000	7,264,000	0	8,199,999	0
Dividends Paid	0	0	0	0	0
Financing Cash Flow	-73,032,000	170,478,000	-21,113,000	15,922,000	15,922,000
Summary
Free Cash Flow	82,564,000	52,933,000	53,414,000	-24,692,000	-24,692,000
Net Change in Cash	-32,582,000	8,843,000	30,026,000	-283,026,000	-283,026,000