nCino, Inc. (NCNO)

NASDAQ: NCNO · Real-Time Price · USD

18.97

-0.20 (-1.04%)

At close: Aug 10, 2026, 4:00 PM EDT

18.50

-0.47 (-2.48%)

After-hours: Aug 10, 2026, 7:34 PM EDT

nCino Financials Overview

Financials in millions USD. Fiscal year is February - January.

Millions USD. Fiscal year is Feb - Jan.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Apr '26 Apr 30, 2026	Jan '26 Jan 31, 2026	Jan '25 Jan 31, 2025	Jan '24 Jan 31, 2024	Jan '23 Jan 31, 2023	Jan '22 Jan 31, 2022
Revenue	610.06	594.78	540.66	476.54	408.32	273.87
Revenue Growth	9.58%	10.01%	13.45%	16.71%	49.09%	34.05%
Gross Profit	374.67	360.17	324.79	285.07	238.71	162.45
Operating Income	26.36	3.73	-18.13	-39.51	-94.01	-71.36
Net Income	13.26	5.18	-37.88	-42.35	-102.72	-49.45
Earnings Per Share	0.12	0.05	-0.33	-0.38	-0.93	-0.51
EPS Growth	-	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Apr '26 Apr 30, 2026	Jan '26 Jan 31, 2026	Jan '25 Jan 31, 2025	Jan '24 Jan 31, 2024	Jan '23 Jan 31, 2023	Jan '22 Jan 31, 2022
Subscription	538.48	523.13	469.17	409.48	344.75	224.85
Professional Services and Other	71.58	71.65	71.49	67.06	63.56	49.01
Revenue (Total)	610.06	594.78	540.66	476.54	408.32	273.87

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Apr '26 Apr 30, 2026	Jan '26 Jan 31, 2026	Jan '25 Jan 31, 2025	Jan '24 Jan 31, 2024	Jan '23 Jan 31, 2023	Jan '22 Jan 31, 2022
Cash & Investments	102.81	88.37	120.93	112.09	82.04	88.01
Total Debt	326.71	278.7	236.82	74.23	96.54	48.85
Net Cash (Debt)	-223.9	-190.32	-115.9	37.86	-14.5	39.17
Net Cash Growth	-	-	-	-	-	-88.97%
Net Cash Per Share	-1.97	-1.66	-1.01	0.34	-0.13	0.40

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Apr '26 Apr 30, 2026	Jan '26 Jan 31, 2026	Jan '25 Jan 31, 2025	Jan '24 Jan 31, 2024	Jan '23 Jan 31, 2023	Jan '22 Jan 31, 2022
Operating Cash Flow	117.15	90.07	55.2	57.29	-15.38	-19.23
Capital Expenditures	-6.4	-7.5	-1.82	-3.52	-18.34	-5.46
Free Cash Flow	110.75	82.56	53.38	53.77	-33.72	-24.69
Free Cash Flow Growth	113.46%	54.66%	-0.72%	-	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Apr '26 Apr 30, 2026	Jan '26 Jan 31, 2026	Jan '25 Jan 31, 2025	Jan '24 Jan 31, 2024	Jan '23 Jan 31, 2023	Jan '22 Jan 31, 2022
Gross Margin	61.41%	60.55%	60.07%	59.82%	58.46%	59.32%
Operating Margin	4.32%	0.63%	-3.35%	-8.29%	-23.02%	-26.06%
Pretax Margin	2.10%	1.13%	-6.58%	-8.80%	-23.95%	-27.00%
Profit Margin	3.06%	1.63%	-6.11%	-9.13%	-24.94%	-18.30%
FCF Margin	18.15%	13.88%	9.87%	11.28%	-8.26%	-9.02%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 11, 2026	Jan '26 Jan 31, 2026	Jan '25 Jan 31, 2025	Jan '24 Jan 31, 2024	Jan '23 Jan 31, 2023	Jan '22 Jan 31, 2022
PE Ratio	163.97	427.00	-	-	-	-
Forward PE	14.62	22.29	40.55	60.82	146.97	-
P/FCF Ratio	18.76	29.45	73.90	66.56	-	-
PS Ratio	3.41	4.09	7.30	7.51	7.80	18.37