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nCino, Inc.

NCNO Nasdaq Services-Prepackaged Software Financials FY2020โ€“FY2026

Last close ยท Oct 23, 2026

$23.17

0.7%
Compare
Revenue Total sales reported in the income statement.
$595M
10.0% vs prior year
Operating margin Operating income as a share of revenue.
0.6%
4.0ย pts
Net income Profit after all expenses, interest and tax.
$5.2M
Free cash flow Cash from operations minus capital spending.
$82.6M
54.7%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
0.3%
Market cap Last close times the latest diluted share count, so it is approximate.
$2.4B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
77.2x
On $0.30 EPS (TTM)

What nCino, Inc. does

No business description yet.

Legal name
nCino, Inc.
Fiscal year ends
January 31, 2026
Latest annual report
10-K ยท Mar 31, 2026
Accession ยท CIK
0001902733-26-000022
0001902733

Revenue and margins

nCino, Inc. had $595M of revenue in fiscal 2026, up 10.0% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $82.6M in fiscal 2026, 13.9% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

nCino, Inc. returned $125M to shareholders in fiscal 2026, 152% of free cash flow. The diluted share count fell 0.7%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably nCino, Inc. can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY22FY23FY24FY25FY26
Cash and short-term investments $88.0M$82.0M$112M$121M$88.4M
Debt incl. finance leases โ€”โ€”โ€”โ€”$265M
Net debt / EBITDA โ€”โ€”โ€”โ€”3.8x
Debt / equity โ€”โ€”โ€”โ€”0.2x
Interest coverage โˆ’47.1xโˆ’33.5xโˆ’9.6xโˆ’2.1x0.2x
Current ratio 1.1x1.0x1.2x1.2x1.0x
Quick ratio 1.1x1.0x1.2x1.2x1.0x
Total assets $1.3B$1.3B$1.3B$1.6B$1.6B
Total liabilities $231M$300M$288M$513M$579M
Shareholders' equity $1.1B$1.0B$1.0B$1.1B$1.1B
Net debt (โˆ’ = net cash) โ€”โ€”โ€”โ€”$176M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. โ€œPlanโ€ marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

โ€”

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8โ€“9 is strong, 0โ€“2 weak.

TestFY20FY21FY22FY23FY24FY25FY26
Net income is positive โœ• โœ• โœ• โœ• โœ• โœ• โœ“
Cash from operations is positive โœ• โœ“ โœ• โœ• โœ“ โœ“ โœ“
Return on assets rose โ€” โ€” โœ“ โœ• โœ“ โœ“ โœ“
Cash from operations exceeds net income โœ“ โœ“ โœ“ โœ“ โœ“ โœ“ โœ“
Debt fell relative to assets โ€” โ€” โ€” โ€” โ€” โ€” โ€”
Current ratio rose โ€” โ€” โœ• โœ• โœ“ โœ“ โœ•
Share count didn't rise โ€” โœ• โœ• โœ• โœ• โœ• โœ“
Gross margin rose โ€” โœ“ โœ“ โœ• โœ“ โœ“ โœ“
Revenue rose relative to assets โ€” โ€” โœ• โœ“ โœ“ โœ• โœ“
F-score โ€” / 3โ€” / 53 / 82 / 86 / 85 / 87 / 8
Accruals ratio โ€”โˆ’8.8%โˆ’3.2%โˆ’6.6%โˆ’7.5%โˆ’6.3%โˆ’5.2%
Altman Z'' โ€”5.684.022.362.951.581.18

7 years of figures

Amounts in USD. Hover a ratioโ€™s name for its definition.

Download CSV
Fiscal yearFY20FY21FY22FY23FY24FY25FY26
Income statement
Revenue $138M $204M $274M $408M $477M $541M $595M
Gross profit $74.1M $116M $162M $239M $285M $325M $360M
Research and development $35.3M $58.3M $79.4M $122M $117M $129M $128M
Operating income โˆ’$28.2M โˆ’$42.6M โˆ’$71.4M โˆ’$94.0M โˆ’$39.5M โˆ’$18.1M $3.7M
Interest expense $0.0M $0.1M $1.5M $2.8M $4.1M $8.8M $17.5M
Pretax income โˆ’$27.1M โˆ’$40.7M โˆ’$74.0M โˆ’$97.8M โˆ’$41.9M โˆ’$35.6M $6.7M
Income tax $0.6M $0.6M โˆ’$23.8M $4.1M $1.6M โˆ’$2.5M โˆ’$3.0M
Net income โˆ’$27.6M โˆ’$40.5M โˆ’$49.4M โˆ’$103M โˆ’$42.3M โˆ’$37.9M $5.2M
Diluted EPS โˆ’$0.35 โˆ’$0.46 โˆ’$0.51 โˆ’$0.93 โˆ’$0.38 โˆ’$0.33 $0.05
Diluted shares 0.08B 0.09B 0.10B 0.11B 0.11B 0.12B 0.11B
Cash flow
Cash from operations โˆ’$9.0M $9.2M โˆ’$19.2M โˆ’$15.4M $57.3M $55.2M $90.1M
Capital expenditure $5.8M $4.3M $5.5M $18.3M $3.5M $1.8M $7.5M
Free cash flow โˆ’$14.8M $4.9M โˆ’$24.7M โˆ’$33.7M $53.8M $53.4M $82.6M
Depreciation and amortization $4.6M $7.4M $10.0M $34.7M $45.3M $36.3M $42.3M
Stock-based compensation $5.7M $25.2M $28.5M $50.2M $58.0M $71.6M $73.9M
Acquisitions $52.3M $0.0M $269M โˆ’$0.7M $0.0M $217M $50.3M
Share buybacks โ€” โ€” โ€” โ€” $0.0M $0.0M $125M
Dividends and buybacks โ€” โ€” โ€” โ€” $0.0M $0.0M $125M
Balance sheet
Cash and short-term investments $91.2M $371M $88.0M $82.0M $112M $121M $88.4M
Total debt โ€” โ€” โ€” โ€” โ€” โ€” $214M
Finance lease liabilities โ€” โ€” $34.1M $55.4M $54.2M $52.9M $51.2M
Current assets โ€” $442M $184M $207M $251M $302M $294M
Current liabilities โ€” $116M $174M $205M $215M $252M $294M
Property and equipment, net โ€” $29.9M $60.7M $84.4M $79.1M $75.0M $75.6M
Goodwill $55.8M $57.1M $841M $839M $839M $1.0B $1.1B
Intangible assets โ€” $23.1M $180M $153M $116M $155M $136M
Total assets โ€” $563M $1.3B $1.3B $1.3B $1.6B $1.6B
Total liabilities โ€” $134M $231M $300M $288M $513M $579M
Preferred stock โ€” $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $167M $425M $1.1B $1.0B $1.0B $1.1B $1.1B
Margins
Gross margin 53.6% 56.9% 59.3% 58.5% 59.8% 60.1% 60.6%
Operating margin โˆ’20.4% โˆ’20.9% โˆ’26.1% โˆ’23.0% โˆ’8.3% โˆ’3.4% 0.6%
EBITDA margin โˆ’17.1% โˆ’17.2% โˆ’22.4% โˆ’14.5% 1.2% 3.4% 7.7%
Net margin โˆ’20.0% โˆ’19.8% โˆ’18.1% โˆ’25.2% โˆ’8.9% โˆ’7.0% 0.9%
FCF margin โˆ’10.7% 2.4% โˆ’9.0% โˆ’8.3% 11.3% 9.9% 13.9%
Returns
Return on capital โ€” โ€” โ€” โ€” โ€” โ€” 0.3%
Return on capital employed โ€” โˆ’9.5% โˆ’6.3% โˆ’8.4% โˆ’3.5% โˆ’1.3% 0.3%
Return on equity โˆ’16.5% โˆ’13.7% โˆ’6.6% โˆ’9.8% โˆ’4.1% โˆ’3.5% 0.5%
Return on assets โ€” โˆ’7.2% โˆ’5.3% โˆ’7.8% โˆ’3.2% โˆ’2.6% 0.3%
Return on tangible equity โˆ’24.8% โˆ’11.8% โˆ’107.5% โˆ’322.9% โˆ’44.7% โ€” โ€”
Growth
Revenue growth โ€” 47.8% 34.1% 49.1% 16.7% 13.5% 10.0%
FCF growth โ€” โ€” โˆ’605.6% โ€” โ€” โˆ’0.7% 54.7%
Share count change โ€” 12.0% 10.3% 14.4% 1.9% 2.2% โˆ’0.7%
Financial health
Net debt / EBITDA โ€” โ€” โ€” โ€” โ€” โ€” 3.8x
Debt / equity โ€” โ€” โ€” โ€” โ€” โ€” 0.2x
Interest coverage โ€” โˆ’327.8x โˆ’47.1x โˆ’33.5x โˆ’9.6x โˆ’2.1x 0.2x
Current ratio โ€” 3.8x 1.1x 1.0x 1.2x 1.2x 1.0x
Quick ratio โ€” 3.8x 1.1x 1.0x 1.2x 1.2x 1.0x
Capital allocation
Capex / revenue 4.2% 2.1% 2.0% 4.5% 0.7% 0.3% 1.3%
Stock comp / revenue 4.2% 12.3% 10.4% 12.3% 12.2% 13.2% 12.4%
Payouts / FCF โ€” โ€” โ€” โ€” 0.0% 0.0% 151.5%
Quality scores
Piotroski F-score โ€” โ€” 3.0 2.0 6.0 5.0 7.0
Altman Z'' โ€” 5.7 4.0 2.4 2.9 1.6 1.2
Accruals ratio โ€” โˆ’8.8% โˆ’3.2% โˆ’6.6% โˆ’7.5% โˆ’6.3% โˆ’5.2%

Source: SEC EDGAR XBRL filings (CIK 0001902733). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only โ€” not investment advice. Check the original filings before relying on any figure.

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