NCNO

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nCino, Inc.

Recurring revenue Regulated industry Sells to businessesTags from an AI model reading the company description.

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Key Metrics

Previous Close: $19.35
52-Week Range: $13.80 – $27.50
Market Cap: $1.98B
P/E (TTM): 58.38
EPS (TTM): 0.32
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 2.11
PEG Ratio: —
Return on Equity: 3.85%
Return on Assets: 1.99%
Gross Margin: 62.24%
Operating Margin: 8.46%
Profit Margin: 5.40%
Current Ratio: 0.85
Debt/Equity: 0.36
Total Debt: $338.63M
Free Cash Flow: $151.54M
Revenue Growth: 8.20%
Earnings Growth: —
Enterprise Value: $2.25B

NCNO Income statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Revenue	$408.31M	$476.54M	$540.66M	$594.78M
Cost of Revenue	$169.61M	$191.47M	$215.87M	$234.61M
Gross Profit	$238.71M	$285.07M	$324.79M	$360.17M
Research & Development	$121.58M	$117.31M	$129.42M	$127.53M
Selling, General & Admin	$211.15M	$207.27M	$213.50M	$228.91M
Operating Expenses	$332.72M	$324.58M	$342.92M	$356.44M
Operating Income	-$94.01M	-$39.51M	-$18.13M	$3.73M
EBITDA	-$60.31M	$7.46M	$9.55M	$66.42M
Pretax Income	-$97.77M	-$41.94M	-$35.56M	$6.71M
Income Tax	$4.07M	$1.59M	-$2.51M	-$3.00M
Net Income	-$102.72M	-$42.35M	-$37.88M	$5.18M
Diluted EPS	-0.93	-0.38	-0.33	0.05
Diluted Shares	110.62M	112.67M	115.16M	114.35M

NCNO Balance Sheet statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Cash & Equivalents	$82.04M	$112.08M	$120.93M	$88.37M
Receivables	$99.50M	$112.97M	$146.79M	$166.54M
Current Assets	$207.19M	$250.78M	$302.25M	$293.50M
Total Assets	$1.33B	$1.34B	$1.61B	$1.65B
Current Liabilities	$205.16M	$215.04M	$251.51M	$294.49M
Long-Term Debt	$30.00M	—	$166.00M	$213.50M
Total Debt	$96.54M	$74.23M	$236.82M	$278.69M
Total Liabilities	$299.60M	$287.83M	$512.78M	$579.45M
Retained Earnings	-$310.34M	-$352.76M	-$385.33M	-$375.77M
Shareholders' Equity	$1.02B	$1.05B	$1.09B	$1.06B
Working Capital	$2.04M	$35.74M	$50.74M	-$989.00K
Net Debt	—	—	$45.07M	$125.13M

NCNO Cash Flow statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Operating Cash Flow	-$15.38M	$57.28M	$55.20M	$90.06M
Capital Expenditure	-$18.34M	-$3.52M	-$1.82M	-$7.50M
Free Cash Flow	-$33.72M	$53.77M	$53.38M	$82.56M
Depreciation & Amortisation	$34.65M	$45.26M	$36.34M	$42.26M
Stock-Based Compensation	$50.23M	$58.03M	$71.59M	$73.88M
Investing Cash Flow	-$20.73M	-$6.33M	-$219.18M	-$54.08M
Financing Cash Flow	$36.71M	-$21.11M	$170.48M	-$73.03M
Share Repurchases	—	$0.00	$0.00	-$125.10M
Net Change in Cash	$606.00K	$29.84M	$6.50M	-$37.05M

NCNO Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Revenue	$144.14M	$148.81M	$152.16M	$149.67M	$159.41M	$161.00M
Cost of Revenue	$57.70M	$60.69M	$58.48M	$57.75M	$58.48M	$60.23M
Gross Profit	$86.44M	$88.13M	$93.69M	$91.92M	$100.94M	$100.77M
Research & Development	$33.34M	$34.67M	$29.54M	$29.98M	$28.86M	$31.03M
Selling, General & Admin	$54.61M	$62.75M	$52.43M	$59.12M	$50.95M	$56.13M
Operating Expenses	$87.95M	$97.42M	$81.97M	$89.10M	$79.82M	$87.16M
Operating Income	-$1.51M	-$9.30M	$11.72M	$2.82M	$21.12M	$13.61M
EBITDA	$25.71M	$2.64M	$22.85M	$15.23M	$31.23M	$23.19M
Pretax Income	$10.55M	-$12.51M	$7.92M	$746.00K	$16.67M	$7.92M
Income Tax	$4.53M	$1.21M	-$695.00K	-$8.04M	$1.68M	$1.53M
Net Income	$5.56M	-$15.26M	$6.54M	$8.34M	$13.64M	$5.08M
Diluted EPS	0.05	-0.13	0.06	0.07	0.12	0.05
Diluted Shares	116.58M	115.26M	114.41M	115.07M	109.46M	105.36M

NCNO Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Cash & Equivalents	$133.23M	$122.94M	$87.59M	$88.37M	$102.81M	$83.29M
Receivables	$104.42M	$98.47M	$86.95M	$166.54M	$124.74M	$122.36M
Current Assets	$273.68M	$255.09M	$209.22M	$293.50M	$267.43M	$242.90M
Total Assets	$1.65B	$1.62B	$1.56B	$1.65B	$1.61B	$1.57B
Current Liabilities	$260.74M	$248.64M	$208.08M	$294.49M	$299.86M	$286.76M
Long-Term Debt	$208.50M	$203.50M	$203.50M	$213.50M	$253.01M	$265.56M
Total Debt	$278.35M	$269.49M	$269.37M	$278.69M	$326.71M	$338.63M
Total Liabilities	$570.00M	$548.85M	$507.25M	$579.45M	$623.38M	$626.52M
Retained Earnings	-$379.39M	-$393.04M	-$384.39M	-$375.77M	-$361.43M	-$355.75M
Shareholders' Equity	$1.07B	$1.06B	$1.04B	$1.06B	$970.36M	$929.83M
Working Capital	$12.94M	$6.45M	$1.14M	-$989.00K	-$32.43M	-$43.85M
Net Debt	$75.27M	$80.56M	$115.91M	$125.13M	$160.00M	$192.07M

NCNO Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Operating Cash Flow	$54.32M	$17.74M	$5.07M	$12.94M	$81.41M	$34.20M
Capital Expenditure	-$1.72M	-$5.15M	-$174.00K	-$461.00K	-$614.00K	-$195.00K
Free Cash Flow	$52.60M	$12.59M	$4.90M	$12.48M	$80.79M	$34.00M
Depreciation & Amortisation	$10.71M	$10.70M	$10.59M	$10.26M	$10.08M	$10.06M
Stock-Based Compensation	$15.81M	$18.62M	$18.25M	$21.20M	$13.90M	$18.00M
Investing Cash Flow	-$48.30M	-$5.15M	-$174.00K	-$461.00K	-$614.00K	-$195.00K
Financing Cash Flow	$2.25M	-$22.43M	-$39.63M	-$13.22M	-$65.89M	-$53.42M
Share Repurchases	-$40.59M	-$20.01M	-$39.48M	-$25.02M	-$110.08M	-$65.58M
Net Change in Cash	$8.27M	-$9.85M	-$34.73M	-$740.00K	$14.91M	-$19.42M

Market Snapshot

About

nCino, Inc. provides cloud-based banking software solutions that streamline loan origination, account opening, and customer onboarding processes. The company serves financial institutions seeking to modernize and digitize their operations.