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
Close Price of Common Stock15.87$15.00$25.64$27.12$27.98$27.47$33.59$31.57$31.42$37.38$33.63$31.80$30.12$24.78$26.48$34.12$30.87$41.02$54.83$71.00$59.93$66.59$72.44$
Market Cap of Common Stock1,738,605,317$1,718,020,515$2,940,522,580$3,140,895,206$3,243,465,589$3,180,859,312$3,889,518,176$3,648,213,952$3,615,945,501$4,269,415,574$3,804,666,422$3,590,576,001$3,381,075,510$2,772,080,664$2,940,194,169$3,782,226,669$3,401,837,481$4,510,745,964$
QoQ%1.20%(41.57%)(6.38%)(3.16%)1.97%(18.22%)6.61%.89%(15.31%)12.22%5.96%6.20%21.97%(5.72%)(22.26%)11.18%(24.58%)
YoY%(46.40%)(45.99%)(24.40%)(13.91%)(10.30%)(25.50%)2.23%1.61%6.95%54.02%29.40%(5.07%)(.61%)(38.55%)
Common Shares Outstanding109,552,950119,882,698118,868,921118,431,293118,017,701117,069,731115,996,852115,650,585115,387,309114,339,887113,684,299113,030,730112,661,660112,200,481111,424,132110,943,569110,616,050110,128,561109,778,54296,691,63195,927,74195,318,07093,643,759
QoQ%(8.62%).85%.37%.35%.81%.93%.30%.23%.92%.58%.58%.33%.41%.70%.43%.30%.44%.32%13.54%.80%.64%1.79%
YoY%(7.17%)2.40%2.48%2.40%2.28%2.39%2.03%2.32%2.42%1.91%2.03%1.88%1.85%1.88%1.50%14.74%15.31%15.54%17.23%
Price to Sales2.85x2.82x4.94x5.36x5.66x5.71x7.19x6.98x7.14x8.70x7.98x7.77x7.59x6.48x7.20x10.11x10.04x14.75x
Price to Earnings131.13x129.57x567.67x---------------
Price to Book1.79x1.77x2.78x3.02x3.07x2.97x3.57x3.35x3.36x4.01x3.63x3.49x3.29x2.70x2.87x3.67x3.27x4.29x
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%
TTM610,058,000$594,781,000$586,485,000$573,119,000$556,707,000$540,657,000$522,980,000$506,125,000$490,958,000$476,543,000$462,031,000$445,385,000$427,776,000$408,315,000$374,089,000$338,829,000$305,721,000$273,865,000$
TTM_QoQ%2.57%1.42%2.33%2.95%2.97%3.38%3.33%3.09%3.03%3.14%3.74%4.12%4.77%9.15%10.41%10.83%11.63%
TTM_YoY%9.58%10.01%12.14%13.24%13.39%13.45%13.19%13.64%14.77%16.71%23.51%31.45%39.92%49.09%
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%
QoQ1.90%(.16%)2.35%(.75%).30%(1.61%)2.01%(.78%)(.17%)(.40%)1.60%(.35%).52%(.16%).39%1.40%(1.04%)(2.82%)1.04%2.23%
YoY3.35%1.74%.29%(.05%)(.07%)(.55%).66%.25%.68%1.37%1.60%.39%2.15%.59%(2.07%)(1.42%)(.60%)
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$)(15,474,000$)
QoQ%648.90%(75.93%)226.03%(514.41%)73.63%(596.36%)89.58%(115.83%)(15.01%)75.32%12.76%(71.49%)63.03%(26.50%)26.24%8.17%9.20%(135.70%)3.37%14.90%
YoY%1,495.84%149.15%1,521.85%(17.58%)58.70%(80.16%)93.62%46.56%57.54%86.35%30.03%40.84%68.32%22.20%(44.95%)(89.90%)(75.98%)
TTM26,359,000$3,727,000$(4,831,000$)(17,371,000$)(15,981,000$)(18,131,000$)(15,578,000$)(27,660,000$)(34,548,000$)(39,512,000$)(59,659,000$)(65,197,000$)(75,409,000$)(94,013,000$)(100,672,000$)(94,952,000$)(83,114,000$)(71,357,000$)
TTM_QoQ%607.24%177.15%72.19%(8.70%)11.86%(16.39%)43.68%19.94%12.56%33.77%8.49%13.54%19.79%6.62%(6.02%)(14.24%)(16.48%)
TTM_YoY%264.94%120.56%68.99%37.20%53.74%54.11%73.89%57.58%54.19%57.97%40.74%31.34%9.27%(31.75%)
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%)
QoQ11.36%(5.82%)13.95%(5.20%)3.01%(3.47%)5.38%(3.11%)(.29%)8.01%2.04%(5.03%)13.78%(3.85%)7.58%3.80%11.11%(21.84%)1.63%5.02%
YoY14.30%5.94%8.29%(.28%)1.81%(1.48%)9.99%6.65%4.73%18.80%6.93%12.48%21.32%18.64%.65%(5.30%)(4.09%)
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$)(15,605,000$)
QoQ%70.55%2.03%162.80%(328.00%)138.63%(275.17%)62.33%(379.89%)(267.18%)108.00%(6.83%)(38.09%)46.52%3.86%17.43%8.60%(354.87%)51.70%4.25%8.60%
YoY%149.14%156.43%307.49%(24.46%)361.95%(1,233.70%)75.83%31.45%80.27%106.31%24.15%41.37%61.19%(230.08%)(65.81%)(92.27%)(92.27%)
TTM18,677,000$9,703,000$(14,664,000$)(27,431,000$)(24,735,000$)(33,049,000$)(16,098,000$)(29,123,000$)(34,179,000$)(43,526,000$)(66,672,000$)(72,140,000$)(83,485,000$)(101,844,000$)(86,668,000$)(77,680,000$)(64,519,000$)(50,121,000$)
TTM_QoQ%92.49%166.17%46.54%(10.90%)25.16%(105.30%)44.72%14.79%21.48%34.72%7.58%13.59%18.03%(17.51%)(11.57%)(20.40%)(28.73%)
TTM_YoY%175.51%129.36%8.91%5.81%27.63%24.07%75.86%59.63%59.06%57.26%23.07%7.13%(29.40%)(103.20%)
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%)
QoQ3.53%.21%14.88%(13.39%)15.19%(8.03%)5.33%(6.53%)(2.90%)15.20%(.37%)(3.47%)9.70%1.57%6.02%4.32%(23.05%)10.70%1.94%3.58%
YoY5.23%16.89%8.65%(.89%)5.97%(12.13%)11.10%5.39%8.45%21.05%7.42%13.81%21.60%(11.14%)(2.01%)(6.09%)(6.82%)
Equity to Common Shareholders970,359,000$1,055,915,000$1,041,488,000$1,056,818,000$1,072,218,000$1,089,312,000$1,088,263,000$1,074,855,000$1,063,877,000$1,049,176,000$1,028,609,000$1,028,141,000$1,025,419,000$1,024,078,000$1,031,862,000$1,041,221,000$1,051,837,000$1,067,625,000$415,767,000$419,893,000$425,041,000$425,179,000$
QoQ(85,556,000$)14,427,000$(15,330,000$)(15,400,000$)(17,094,000$)1,049,000$13,408,000$10,978,000$14,701,000$20,567,000$468,000$2,722,000$1,341,000$(7,784,000$)(9,359,000$)(10,616,000$)(15,788,000$)651,858,000$(4,126,000$)(5,148,000$)(138,000$)
QoQ%(8.10%)1.39%(1.45%)(1.44%)(1.57%).10%1.25%1.03%1.40%2.00%.05%.27%.13%(.75%)(.90%)(1.01%)(1.48%)156.78%(.98%)(1.21%)(.03%)
YoY(101,859,000$)(33,397,000$)(46,775,000$)(18,037,000$)8,341,000$40,136,000$59,654,000$46,714,000$38,458,000$25,098,000$(3,253,000$)(13,080,000$)(26,418,000$)(43,547,000$)616,095,000$621,328,000$626,796,000$642,446,000$
YoY%(9.50%)(3.07%)(4.30%)(1.68%).78%3.83%5.80%4.54%3.75%2.45%(.32%)(1.26%)(2.51%)(4.08%)148.18%147.97%147.47%151.10%
Dividends Paid
Additional Paid-In Capital QoQ(3,220,000$)23,264,000$16,406,000$19,927,000$16,177,000$18,002,000$17,166,000$21,407,000$16,957,000$18,862,000$17,262,000$18,507,000$12,581,000$14,840,000$12,490,000$16,044,000$13,037,000$
Treasury Stock219,255,000$125,600,000$100,343,000$60,598,000$40,588,000$
QoQ93,655,000$25,257,000$39,745,000$20,010,000$
Goodwill1,076,098,000$1,077,947,000$1,071,152,000$1,070,947,000$1,080,657,000$1,019,375,000$908,559,000$908,000,000$907,513,000$838,869,000$838,585,000$839,042,000$838,924,000$839,440,000$839,918,000$840,726,000$841,503,000$841,487,000$57,149,000$
QoQ%(.17%).63%.02%(.90%)6.01%12.20%.06%.05%8.18%.03%(.05%).01%(.06%)(.06%)(.10%)(.09%).00%
YoY%(.42%)5.75%17.90%17.95%19.08%21.52%8.34%8.22%8.18%(.07%)(.16%)(.20%)(.31%)(.24%)1,372.44%
Other Intangible Assets126,215,000$135,658,000$142,841,000$151,920,000$161,316,000$154,571,000$128,344,000$135,524,000$142,705,000$115,572,000$121,695,000$138,655,000$145,696,000$152,825,000$159,491,000$166,056,000$173,094,000$180,122,000$23,137,000$
QoQ(9,443,000$)(7,183,000$)(9,079,000$)(9,396,000$)6,745,000$26,227,000$(7,180,000$)(7,181,000$)27,133,000$(6,123,000$)(16,960,000$)(7,041,000$)(7,129,000$)(6,666,000$)(6,565,000$)(7,038,000$)(7,028,000$)
Amortization of Intangible Assets8,793,000$8,878,000$9,151,000$9,241,000$9,189,000$8,705,000$7,357,000$7,349,000$6,682,000$6,125,000$16,952,000$7,044,000$7,105,000$7,071,000$7,068,000$7,028,000$7,033,000$2,477,000$806,000$810,000$814,000$
Total Assets1,607,830,000$1,648,106,000$1,561,174,000$1,616,017,000$1,650,942,000$1,610,381,000$1,516,606,000$1,408,747,000$1,423,892,000$1,340,430,000$1,267,544,000$1,301,615,000$1,314,464,000$1,327,269,000$1,291,203,000$1,296,359,000$1,296,801,000$1,301,014,000$563,401,000$
QoQ(40,276,000$)86,932,000$(54,843,000$)(34,925,000$)40,561,000$93,775,000$107,859,000$(15,145,000$)83,462,000$72,886,000$(34,071,000$)(12,849,000$)(12,805,000$)36,066,000$(5,156,000$)(442,000$)(4,213,000$)
YoY(43,112,000$)37,725,000$44,568,000$207,270,000$227,050,000$269,951,000$249,062,000$107,132,000$109,428,000$13,161,000$(23,659,000$)5,256,000$17,663,000$26,255,000$737,613,000$
Total Liabilities623,384,000$579,454,000$507,251,000$548,854,000$569,995,000$512,783,000$423,100,000$329,759,000$355,910,000$287,826,000$235,737,000$270,479,000$285,861,000$299,602,000$255,249,000$251,919,000$241,545,000$230,507,000$134,431,000$
QoQ43,930,000$72,203,000$(41,603,000$)(21,141,000$)57,212,000$89,683,000$93,341,000$(26,151,000$)68,084,000$52,089,000$(34,742,000$)(15,382,000$)(13,741,000$)44,353,000$3,330,000$10,374,000$11,038,000$
YoY53,389,000$66,671,000$84,151,000$219,095,000$214,085,000$224,957,000$187,363,000$59,280,000$70,049,000$(11,776,000$)(19,512,000$)18,560,000$44,316,000$69,095,000$96,076,000$
Current Ratio.89x1.00x1.01x1.03x1.05x1.20x1.95x1.08x1.07x1.17x1.10x1.01x.95x1.01x1.06x.92x.95x1.05x3.82x
Total Current Assets267,427,000$293,503,000$209,222,000$255,085,000$273,684,000$302,249,000$348,644,000$228,751,000$236,584,000$250,775,000$190,872,000$209,375,000$211,634,000$207,193,000$167,960,000$176,771,000$173,150,000$183,509,000$442,231,000$
QoQ(26,076,000$)84,281,000$(45,863,000$)(18,599,000$)(28,565,000$)(46,395,000$)119,893,000$(7,833,000$)(14,191,000$)59,903,000$(18,503,000$)(2,259,000$)4,441,000$39,233,000$(8,811,000$)3,621,000$(10,359,000$)
Total Current Liabilities299,861,000$294,492,000$208,083,000$248,637,000$260,742,000$251,512,000$178,913,000$210,977,000$221,691,000$215,036,000$172,973,000$208,307,000$223,059,000$205,158,000$157,834,000$191,145,000$182,834,000$174,376,000$115,692,000$
QoQ5,369,000$86,409,000$(40,554,000$)(12,105,000$)9,230,000$72,599,000$(32,064,000$)(10,714,000$)6,655,000$42,063,000$(35,334,000$)(14,752,000$)17,901,000$47,324,000$(33,311,000$)8,311,000$8,458,000$
Debt to Asset Ratio.39x.35x.32x.34x.35x.32x.28x.23x.25x.21x.19x.21x.22x.23x.20x.19x.19x.18x.24x
Long Term Debt253,007,000$213,500,000$
QoQ39,507,000$
YoY
Capital Lease Obligations13,005,000$13,977,000$14,264,000$13,957,000$17,406,000$17,972,000$16,659,000$17,258,000$17,761,000$20,072,000$9,983,000$9,267,000$10,270,000$11,156,000$13,497,000$13,274,000$13,519,000$14,746,000$16,300,000$
Cash and Cash Equivalents102,813,000$88,374,000$87,590,000$122,935,000$133,230,000$120,928,000$257,894,000$121,410,000$129,481,000$112,085,000$100,475,000$98,003,000$98,136,000$82,036,000$106,451,000$86,148,000$78,684,000$88,014,000$381,080,000$399,363,000$386,515,000$371,425,000$
QoQ14,439,000$784,000$(35,345,000$)(10,295,000$)12,302,000$(136,966,000$)136,484,000$(8,071,000$)17,396,000$11,610,000$2,472,000$(133,000$)16,100,000$(24,415,000$)20,303,000$7,464,000$(9,330,000$)(293,066,000$)(18,283,000$)12,848,000$15,090,000$
YoY(30,417,000$)(32,554,000$)(170,304,000$)1,525,000$3,749,000$8,843,000$157,419,000$23,407,000$31,345,000$30,049,000$(5,976,000$)11,855,000$19,452,000$(5,978,000$)(274,629,000$)(313,215,000$)(307,831,000$)(283,411,000$)
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$268,000$
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$57,000$