nCino, Inc. (NCNO)NCNOnCino, Inc.

Financials

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Apr 2026	Quarter ended Jan 2026	Quarter ended Oct 2025	Quarter ended Jul 2025	Quarter ended Apr 2025	Quarter ended Jan 2025	Quarter ended Oct 2024	Quarter ended Jul 2024
Revenue	610.06M	159.41M	149.67M	152.16M	148.81M	144.14M	141.37M	138.80M	132.40M
Cost of Goods Sold	239.96M	63.05M	57.75M	58.48M	60.69M	57.70M	57.01M	53.74M	53.93M
Gross Profit	370.10M	96.37M	91.92M	93.69M	88.13M	86.44M	84.36M	85.05M	78.47M
Gross Profit Margin	60.7%	60.5%	61.4%	61.6%	59.2%	60.0%	59.7%	61.3%	59.3%
Total Operating Expenses	342.80M	74.31M	89.10M	81.97M	97.42M	87.95M	90.09M	85.88M	86.38M
Research & Development	122.61M	28.42M	29.98M	29.54M	34.67M	33.34M	32.13M	33.04M	34.27M
Selling, General & Administrative	225.25M	50.95M	59.12M	52.43M	62.75M	54.61M	57.96M	52.84M	52.11M
Operating Income (EBIT)	27.30M	22.06M	2.82M	11.72M	-9.30M	-1.51M	-5.74M	-824K	-7.91M
Operating Margin	4.5%	13.8%	1.9%	7.7%	-6.2%	-1.0%	-4.1%	-0.6%	-6.0%
Income Before Tax (EBT)	12.83M	16.67M	746K	7.92M	-12.51M	10.55M	-19.45M	-1.56M	-9.27M
Interest Income	1.38M	366K	160K	339K	513K	417K	353K	482K	321K
Interest Expense	17.49M	4.48M	4.23M	4.33M	4.44M	4.45M	3.80M	1.65M	1.83M
Other Income/Expense	-14.47M	-5.38M	-2.07M	-3.80M	-3.21M	12.06M	-13.71M	-739K	-1.36M
Net Income	13.26M	13.64M	8.34M	6.54M	-15.26M	5.56M	-18.61M	-5.25M	-11.04M
Income Tax Expense	-5.40M	1.68M	-7.59M	-695K	1.21M	4.53M	-3.87M	2.59M	1.75M
Net Profit Margin	2.2%	8.6%	5.6%	4.3%	-10.3%	3.9%	-13.2%	-3.8%	-8.3%
EBITDA	68.93M	32.14M	13.08M	22.31M	1.41M	9.19M	4.47M	8.09M	1.02M
EBITDA Margin	11.3%	20.2%	8.7%	14.7%	0.9%	6.4%	3.2%	5.8%	0.8%
Depreciation & Amortization	41.63M	10.08M	10.26M	10.59M	10.70M	10.71M	10.21M	8.91M	8.93M
EPS Basic	0.13	0.13	0.07	0.06	-0.13	0.05	-0.16	-0.05	-0.10
EPS Diluted	0.12	0.12	0.07	0.06	-0.13	0.05	-0.16	-0.05	-0.10
Shares Outstanding	108.50M	108.50M	113.75M	114.41M	115.26M	114.78M	115.83M	115.61M	115.18M
Diluted Shares Outstanding	109.46M	109.46M	115.07M	115.83M	115.26M	116.58M	115.83M	115.61M	115.18M

Annual Income Statement (USD)

Swipe horizontally to review earlier years. The line-item column stays pinned.

Annual Report	01/31/2026	01/31/2025	01/31/2024	01/31/2023	01/31/2022	01/31/2021	01/31/2020	01/31/2019
Revenue	594.78M	540.66M	476.54M	408.31M	273.87M	204.29M	138.18M	91.53M
Cost of Goods Sold	234.61M	215.87M	191.47M	169.61M	111.41M	88.14M	64.07M	46.45M
Gross Profit	360.17M	324.79M	285.07M	238.71M	162.45M	116.16M	74.11M	45.08M
Gross Profit Margin	60.6%	60.1%	59.8%	58.5%	59.3%	56.9%	53.6%	49.3%
Total Operating Expenses	356.44M	342.92M	324.58M	332.72M	233.81M	158.77M	102.28M	68.30M
Research & Development	127.53M	129.42M	117.31M	121.58M	79.36M	58.26M	35.30M	22.23M
Selling, General & Administrative	228.91M	213.50M	207.27M	211.15M	154.45M	100.50M	66.98M	46.07M
Operating Income (EBIT)	3.73M	-18.13M	-39.51M	-94.01M	-71.36M	-42.61M	-28.17M	-23.22M
Operating Margin	0.6%	-3.4%	-8.3%	-23.0%	-26.1%	-20.9%	-20.4%	-25.4%
Income Before Tax (EBT)	6.71M	-35.56M	-41.94M	-97.77M	-73.95M	-40.68M	-27.15M	-22.11M
Interest Income	1.43M	1.76M	2.57M	403K	194K	361K	988K	1.19M
Interest Expense	17.46M	8.76M	4.13M	2.81M	1.51M	130K	N/A	N/A
Other Income/Expense	2.98M	-17.43M	-2.42M	-3.76M	-2.60M	1.92M	1.02M	1.10M
Net Income	5.18M	-37.88M	-42.35M	-102.72M	-49.45M	-40.54M	-27.59M	-22.31M
Income Tax Expense	1.53M	-2.51M	1.59M	4.07M	-23.83M	586K	586K	194K
Net Profit Margin	0.9%	-7.0%	-8.9%	-25.2%	-18.1%	-19.8%	-20.0%	-24.4%
EBITDA	45.98M	18.21M	5.75M	-55.52M	-61.35M	-35.18M	-23.56M	-21.76M
EBITDA Margin	7.7%	3.4%	1.2%	-13.6%	-22.4%	-17.2%	-17.1%	-23.8%
Depreciation & Amortization	42.26M	36.34M	45.26M	38.49M	10.01M	7.43M	4.61M	1.46M
EPS Basic	0.05	-0.33	-0.38	-0.93	-0.51	-0.46	-0.31	-0.25
EPS Diluted	0.05	-0.33	-0.38	-0.93	-0.51	-0.46	-0.31	-0.25
Shares Outstanding	112.88M	115.16M	112.67M	110.62M	96.72M	87.68M	89.64M	89.64M
Diluted Shares Outstanding	114.35M	115.16M	112.67M	110.62M	96.72M	87.68M	89.64M	89.64M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.

About nCino, Inc.

nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.

Wilmington, NC

1,684 employees

www.ncino.com

Technology / Software - Application

Sector: Technology
Industry: Software - Application
CEO: Sean Desmond

View full financials