nCino, Inc. (NCNO)

nCino Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Revenue Revenue Growth	622.24	594.78	540.66	476.54	408.32	273.87
Revenue Growth	8.57%	10.01%	13.45%	16.71%	49.09%	34.05%
Gross Profit Gross Profit Growth	387.3	361.38	324.79	285.24	239.04	162.45
Operating Income Operating Income Growth	50.88	16.8	-9.37	-34.36	-83.06	-51.03
Net Income Net Income Growth	33.6	5.18	-37.88	-42.35	-102.72	-49.45
Earnings Per Share EPS Growth	0.31	0.05	-0.33	-0.38	-0.93	-0.51
EPS Growth	-	-	-	-	-	-

Revenue by Segment

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Subscription Subscription Growth	551.19	523.13	469.17	409.48	344.75	224.85
Professional Services and Other Professional Services and Other Growth	71.06	71.65	71.49	67.06	63.56	49.01
Revenue (Total) Revenue (Total) Growth	622.24	594.78	540.66	476.54	408.32	273.87

Cash & Debt

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Cash & Investments Cash & Investments Growth	83.29	88.37	120.93	112.09	82.04	88.01
Total Debt Total Debt Growth	338.63	278.7	236.82	74.23	96.54	48.85
Net Cash (Debt) Net Cash Growth	-255.34	-190.32	-115.9	37.86	-14.5	39.17
Net Cash Growth	-	-	-	-	-	-88.97%
Net Cash Per Share Net Cash Per Share Growth	-2.33	-1.66	-1.01	0.34	-0.13	0.40

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Operating Cash Flow Operating Cash Flow Growth	133.61	90.07	55.2	57.29	-15.38	-19.23
Capital Expenditures CapEx Growth	-1.44	-7.5	-2.27	-3.87	-18.9	-5.46
Free Cash Flow Free Cash Flow Growth	132.17	82.56	52.93	53.41	-34.28	-24.69
Free Cash Flow Growth	121.14%	55.98%	-0.90%	-	-	-

Margins

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Gross Margin	62.24%	60.76%	60.07%	59.86%	58.54%	59.32%
Operating Margin	8.18%	2.83%	-1.73%	-7.21%	-20.34%	-18.63%
Pretax Margin	5.35%	1.13%	-6.58%	-8.80%	-23.95%	-27.00%
Profit Margin	5.40%	0.87%	-7.01%	-8.89%	-25.16%	-18.05%
FCF Margin	21.24%	13.88%	9.79%	11.21%	-8.40%	-9.02%

Valuation

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Oct 25, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
PE Ratio	75.09	472.69	-	-	-	-
Forward PE	16.16	22.29	40.55	60.82	146.97	-
P/FCF Ratio	18.54	29.66	74.40	66.68	-	-
PS Ratio	3.94	4.12	7.28	7.47	7.78	18.36

Data Sources: S&P Global Market Intelligence and Fiscal.ai Last updated: Aug 25, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company. Revenue segment data is provided by Fiscal.ai.

Update frequency:

Quarterly

Last checked:

Oct 23, 2026

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