nCino, Inc. (NCNO)
Q2-CY2026Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014
Balance Sheet Date2026-Apr-302026-Jan-312025-Oct-312025-Jul-312025-Apr-302025-Jan-312024-Oct-312024-Jul-312024-Apr-302024-Jan-312023-Oct-312023-Jul-312023-Apr-302023-Jan-312022-Oct-312022-Jul-312022-Apr-302022-Jan-31
Fiscal PeriodQ1-FY2027Q4-FY2026Q3-FY2026Q2-FY2026Q1-FY2026Q4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022
Total Revenue159,414,000$149,666,000$152,163,000$148,815,000$144,137,000$141,370,000$138,797,000$132,403,000$128,087,000$123,693,000$121,942,000$117,236,000$113,672,000$109,181,000$105,296,000$99,627,000$94,211,000$74,955,000$70,036,000$66,519,000$62,355,000$
QoQ%6.51%(1.64%)2.25%3.25%1.96%1.85%4.83%3.37%3.55%1.44%4.01%3.14%4.11%3.69%5.69%5.75%25.69%7.02%5.29%6.68%
YoY%10.60%5.87%9.63%12.40%12.53%14.29%13.82%12.94%12.68%13.29%15.81%17.68%20.66%45.66%50.35%49.77%51.09%
Cost Of Revenue58,476,000$57,750,000$58,477,000$60,690,000$57,695,000$57,013,000$53,745,000$53,931,000$51,180,000$49,210,000$48,025,000$48,047,000$46,188,000$44,927,000$43,156,000$41,221,000$40,302,000$31,285,000$27,254,000$26,575,000$26,299,000$
Gross Profit100,938,000$91,916,000$93,686,000$88,125,000$86,442,000$84,357,000$85,052,000$78,472,000$76,907,000$74,483,000$73,917,000$69,189,000$67,484,000$64,254,000$62,140,000$58,406,000$53,909,000$43,670,000$42,782,000$39,944,000$36,056,000$
Gross Margin63.32%61.41%61.57%59.22%59.97%59.67%61.28%59.27%60.04%60.22%60.62%59.02%59.37%58.85%59.02%58.63%57.22%58.26%61.09%60.05%57.82%
Operating Expenses79,819,000$89,096,000$81,970,000$97,421,000$87,955,000$90,095,000$85,876,000$86,378,000$80,570,000$77,668,000$86,823,000$83,983,000$76,111,000$87,586,000$80,584,000$83,412,000$81,140,000$73,661,000$55,506,000$53,112,000$51,530,000$
Operating Income21,119,000$2,820,000$11,716,000$(9,296,000$)(1,513,000$)(5,738,000$)(824,000$)(7,906,000$)(3,663,000$)(3,185,000$)(12,906,000$)(14,794,000$)(8,627,000$)(23,332,000$)(18,444,000$)(25,006,000$)(27,231,000$)(29,991,000$)(12,724,000$)(13,168,000$)(15,474,000$)
Operating Margin13.25%1.88%7.70%(6.25%)(1.05%)(4.06%)(.59%)(5.97%)(2.86%)(2.58%)(10.58%)(12.62%)(7.59%)(21.37%)(17.52%)(25.10%)(28.90%)(40.01%)(18.17%)(19.80%)(24.82%)
Interest Income366,000$160,000$339,000$513,000$417,000$353,000$482,000$321,000$605,000$510,000$685,000$835,000$537,000$288,000$87,000$26,000$2,000$21,000$57,000$59,000$57,000$
Interest Expenses1,477,000$858,000$854,000$1,044,000$1,379,000$958,000$580,000$631,000$638,000$537,000$379,000$330,000$268,000$
Income Before Tax16,671,000$746,000$7,920,000$(12,510,000$)10,551,000$(19,448,000$)(1,563,000$)(9,270,000$)(5,279,000$)(1,756,000$)(15,395,000$)(14,534,000$)(10,251,000$)(19,860,000$)(21,848,000$)(26,625,000$)(29,440,000$)(31,459,000$)(13,301,000$)(13,776,000$)(15,418,000$)
Tax Expenses1,680,000$(8,044,000$)(695,000$)1,209,000$4,534,000$(3,871,000$)2,589,000$1,753,000$(2,982,000$)(3,130,000$)1,782,000$1,545,000$1,393,000$1,912,000$797,000$799,000$563,000$(24,863,000$)356,000$487,000$187,000$
Net Income14,991,000$8,790,000$8,615,000$(13,719,000$)6,017,000$(15,577,000$)(4,152,000$)(11,023,000$)(2,297,000$)1,374,000$(17,177,000$)(16,079,000$)(11,644,000$)(21,772,000$)(22,645,000$)(27,424,000$)(30,003,000$)(6,596,000$)(13,657,000$)(14,263,000$)(15,605,000$)
Profit Margin9.40%5.87%5.66%(9.22%)4.18%(11.02%)(2.99%)(8.33%)(1.79%)1.11%(14.09%)(13.72%)(10.24%)(19.94%)(21.51%)(27.53%)(31.85%)(8.80%)(19.50%)(21.44%)(25.03%)
TTM3.06%1.63%(2.50%)(4.79%)(4.44%)(6.11%)(3.08%)(5.75%)(6.96%)(9.13%)(14.43%)(16.20%)(19.52%)(24.94%)(23.17%)(22.93%)(21.10%)(18.30%)
Earnings to Minority647,000$172,000$(33,000$)(74,000$)76,000$(63,000$)(186,000$)(58,000$)(165,000$)(241,000$)(320,000$)(268,000$)(280,000$)(211,000$)(257,000$)(307,000$)(344,000$)(310,000$)(389,000$)(403,000$)(467,000$)
Earnings to Common Shareholders13,641,000$8,336,000$6,539,000$(15,257,000$)5,562,000$(18,610,000$)(5,252,000$)(11,040,000$)(2,976,000$)1,160,000$(16,379,000$)(15,884,000$)(11,243,000$)(21,208,000$)(23,579,000$)(27,245,000$)(30,688,000$)(7,119,000$)(13,636,000$)(13,683,000$)(15,008,000$)
QoQ%63.64%27.48%142.86%(374.31%)129.89%(254.34%)52.43%(270.97%)(356.55%)107.08%(3.12%)(41.28%)46.99%10.06%13.46%11.22%(331.07%)47.79%.34%8.83%
YoY%145.25%144.79%224.51%(38.20%)286.90%(1,704.31%)67.94%30.50%73.53%105.47%30.54%41.70%63.36%(197.91%)(72.92%)(99.12%)(104.48%)
Earnings Per Share, Basic0.13$0.08$0.06$(0.13$)0.05$(0.16$)(0.05$)(0.10$)(0.03$)0.01$(0.15$)(0.14$)(0.10$)(0.19$)(0.21$)(0.25$)(0.28$)(0.07$)(0.14$)(0.14$)(0.16$)
Earnings Per Share, Diluted0.12$0.08$0.06$(0.13$)0.05$(0.16$)(0.05$)(0.10$)(0.03$)0.01$(0.15$)(0.14$)(0.10$)(0.19$)(0.21$)(0.25$)(0.28$)(0.07$)(0.14$)(0.14$)(0.16$)
Unlevered FCF Per Share, Basic0.74$0.12$0.04$0.11$0.46$(0.09$)0.04$0.04$0.47$0.07$0.05$0.10$0.27$(0.24$)(0.08$)0.04$(0.03$)(0.23$)(0.22$)0.13$0.07$
Unlevered FCF Per Share, Diluted0.74$0.11$0.04$0.11$0.45$(0.09$)0.04$0.04$0.47$0.07$0.05$0.10$0.27$(0.24$)(0.08$)0.04$(0.03$)(0.23$)(0.22$)0.13$0.07$
Average Shares, Basic108,502,547107,089,231114,407,430115,256,497114,781,654115,659,669115,611,833115,180,130114,197,068113,308,783112,951,553112,396,716112,032,536111,174,623110,897,811110,391,865109,998,637100,394,75396,431,08295,661,75694,402,265
Average Shares, Diluted109,458,472109,720,705115,830,218115,256,497116,578,848115,659,669115,611,833115,180,130114,197,068113,308,783112,951,553112,396,716112,032,536111,174,623110,897,811110,391,865109,998,637100,394,75396,431,08295,661,75694,402,265
EBIT16,671,000$746,000$7,920,000$(12,510,000$)10,551,000$(19,448,000$)(1,563,000$)(9,270,000$)(3,802,000$)(898,000$)(14,541,000$)(13,490,000$)(8,872,000$)(18,902,000$)(21,268,000$)(25,994,000$)(28,802,000$)(30,922,000$)(12,922,000$)(13,446,000$)(15,150,000$)
EBITDA26,754,000$11,003,000$18,511,000$(1,808,000$)21,256,000$(9,235,000$)7,350,000$(341,000$)4,488,000$7,029,000$4,499,000$(4,324,000$)259,000$(9,708,000$)(12,692,000$)(17,572,000$)(20,342,000$)(27,055,000$)(10,889,000$)(11,435,000$)(13,055,000$)