nCino, Inc. (NCNO) Financial Statements
Industry: Prepackaged Software (Services)
In fiscal 2026, nCino reported revenue of $594.8M, up 10.0% from $540.7M the year before. Net income was $5.2M (a 0.9% net margin), or $0.05 per diluted share. Gross margin was 60.6% and operating margin was 0.6%. Operating activities generated $90.1M of cash, leaving $82.6M of free cash flow. At fiscal year end, nCino held $1.65B in total assets against $579.5M in total liabilities, including $88.4M of cash and equivalents.
Open the full interactive nCino financials → Quarterly statements, key ratios, valuation history and price charts.
nCino Key Stats
| Share Price | $19.71 |
|---|---|
| Market Cap | $2.08B |
| P/E Ratio | 394.2 |
| Revenue YoY Growth | +10.0% |
| 52-Week Range | $14.01 – $27.10 |
| Shares Outstanding | 104.9 million (basic, 2027 Q2) |
nCino Income Statement
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $273.9M | $408.3M | $476.5M | $540.7M | $594.8M |
| Cost of Goods Sold | $111.4M | $169.6M | $191.5M | $215.9M | $234.6M |
| Gross Profit | $162.5M | $238.7M | $285.1M | $324.8M | $360.2M |
| Operating Income | -$71.4M | -$94.0M | -$39.5M | -$18.1M | $3.7M |
| Pre-Tax Income | -$74.0M | -$97.8M | -$41.9M | -$35.6M | $6.7M |
| Income Tax | -$23.8M | $4.1M | $1.6M | -$2.5M | -$3.0M |
| Net Income | -$49.4M | -$102.7M | -$42.3M | -$37.9M | $5.2M |
| Diluted EPS | -$0.51 | -$0.93 | -$0.38 | -$0.33 | $0.05 |
nCino Quarterly Results
| 2026 Q3 | 2026 Q4 | 2027 Q1 | 2027 Q2 | |
|---|---|---|---|---|
| Revenue | $152.2M | $149.7M | $159.4M | $161.0M |
| Net Income | $6.5M | $8.3M | $13.6M | $5.1M |
| Diluted EPS | $0.06 | $0.07 | $0.12 | $0.05 |
nCino Balance Sheet
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $88.0M | $82.0M | $112.1M | $120.9M | $88.4M |
| Current Assets | $183.5M | $207.2M | $250.8M | $302.2M | $293.5M |
| Total Assets | $1.30B | $1.33B | $1.34B | $1.61B | $1.65B |
| Current Liabilities | $174.4M | $205.2M | $215.0M | $251.5M | $294.5M |
| Total Long-Term Debt | — | $60.0M | — | $166.0M | $213.5M |
| Total Liabilities | $230.5M | $299.6M | $287.8M | $512.8M | $579.5M |
| Shareholders' Equity | $1.07B | $1.02B | $1.05B | $1.09B | $1.06B |
nCino Cash Flow Statement
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Cash From Operations | -$19.2M | -$15.4M | $57.3M | $55.2M | $90.1M |
| Cash From Investing | -$278.5M | -$20.7M | -$6.3M | -$219.2M | -$54.1M |
| Cash From Financing | $15.9M | $36.7M | -$21.1M | $170.5M | -$73.0M |
| Free Cash Flow | -$24.7M | -$33.7M | $53.8M | $53.4M | $82.6M |
Figures from nCino's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full nCino financials page for every line item.
nCino Company Profile
| Ticker | NCNO |
|---|---|
| Exchange | Nasdaq |
| Industry | Prepackaged Software (Services) |
| Headquarters | Wilmington, North Carolina |
| Incorporated in | Delaware |
| Fiscal Year End | January 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001902733 |
Frequently Asked Questions
What was nCino's revenue in fiscal 2026?
nCino (NCNO) reported revenue of $594.8M for fiscal 2026.
What is nCino's annual revenue history?
nCino's annual revenue by fiscal year: 2022: $273.9M; 2023: $408.3M; 2024: $476.5M; 2025: $540.7M; 2026: $594.8M.
What was nCino's net income in fiscal 2026?
nCino reported net income of $5.2M for fiscal 2026.
What was nCino's earnings per share (EPS) in fiscal 2026?
nCino's diluted EPS was $0.05 for fiscal 2026 (adjusted for any later stock splits).
How much free cash flow did nCino generate in fiscal 2026?
nCino generated $82.6M of free cash flow in fiscal 2026.
What was nCino's revenue last quarter?
In its most recent reported quarter (2027 Q2), nCino reported revenue of $161.0M.
How much debt does nCino have?
nCino reported $213.5M of long-term debt, including the current portion, at the end of fiscal 2026.
How many shares of nCino are outstanding?
nCino reported a weighted average of 104.9 million basic shares outstanding in 2027 Q2.
What is nCino's market cap?
Based on its latest closing price, nCino (NCNO) has a market capitalization of about $2.08B.
When does nCino's fiscal year end?
nCino's fiscal year end, as registered with the SEC, is January 31.
Where is nCino headquartered?
nCino lists its business address in Wilmington, North Carolina in its SEC filings.