nCino, Inc. (NCNO)NCNOnCino, Inc.

Balance Sheet

Assets, liabilities, and equity analysis

Quarterly Balance Sheet (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
Total Current Assets	267.43M	267.43M	293.50M	194.28M	255.09M	273.68M	302.25M	348.64M	217.19M
Cash & Cash Equivalents	102.81M	102.81M	88.37M	87.59M	122.94M	133.23M	120.93M	257.89M	126.57M
Short-Term Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash & Short-Term Investments	102.81M	102.81M	88.37M	87.59M	122.94M	133.23M	120.93M	257.89M	126.57M
Accounts Receivable	124.74M	124.74M	166.54M	86.95M	98.47M	104.42M	146.79M	65.01M	78.82M
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Assets	1.61B	1.61B	1.65B	1.56B	1.62B	1.65B	1.61B	1.52B	1.41B
Property, Plant & Equipment	86.67M	86.67M	88.29M	89.26M	90.37M	92.85M	90.98M	90.65M	92.71M
Goodwill	1.08B	1.08B	1.08B	1.07B	1.07B	1.08B	1.02B	908.56M	908.00M
Intangible Assets	126.22M	126.22M	135.66M	142.84M	151.92M	161.32M	154.57M	128.34M	135.52M
Long-Term Investments	7.26M	7.26M	7.26M	7.42M	7.26M	7.26M	9.29M	9.29M	9.29M
Total Current Liabilities	299.86M	299.86M	294.49M	208.08M	248.64M	260.74M	251.51M	178.91M	210.98M
Accounts Payable	15.71M	15.71M	14.52M	12.53M	14.07M	15.10M	13.64M	12.12M	13.14M
Short-Term Debt	9.80M	9.80M	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	623.38M	623.38M	579.45M	507.25M	548.85M	570.00M	512.78M	423.10M	329.76M
Long-Term Debt	253.01M	253.01M	213.50M	203.50M	203.50M	208.50M	166.00M	166.00M	40.00M
Total Debt	326.71M	326.71M	278.69M	269.37M	269.49M	278.35M	236.82M	235.90M	110.69M
Net Debt (Cash)	223.90M	223.90M	190.32M	181.78M	146.55M	145.12M	115.90M	-22.00M	-15.88M
Total Shareholders' Equity	970.36M	970.36M	1.06B	1.04B	1.06B	1.07B	1.09B	1.09B	1.07B
Common Stock	60K	60K	59K	59K	59K	59K	58K	58K	58K
Retained Earnings	-361.43M	-361.43M	-375.77M	-384.39M	-393.04M	-379.39M	-385.33M	-369.82M	-365.86M
Current Ratio	0.89	0.89	1.00	0.93	1.03	1.05	1.20	1.95	1.03
Debt to Equity Ratio	0.34	0.34	0.26	0.26	0.25	0.26	0.22	0.22	0.10

Annual Balance Sheet (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
Total Current Assets	293.50M	302.25M	250.78M	207.19M	183.51M	442.23M	145.28M	109.17M
Cash & Cash Equivalents	88.37M	120.93M	112.08M	82.04M	88.01M	371.43M	91.18M	74.35M
Short-Term Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash & Short-Term Investments	88.37M	120.93M	112.08M	82.04M	88.01M	371.43M	91.18M	74.35M
Accounts Receivable	166.54M	146.79M	112.97M	99.50M	74.53M	55.52M	43.41M	29.83M
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Assets	1.65B	1.61B	1.34B	1.33B	1.30B	563.40M	250.15M	119.97M
Property, Plant & Equipment	88.29M	90.98M	98.41M	94.95M	73.85M	29.94M	13.48M	10.41M
Goodwill	1.08B	1.02B	838.87M	839.44M	841.49M	57.15M	55.84M	0.00
Intangible Assets	135.66M	154.57M	115.57M	152.82M	180.12M	23.14M	26.09M	0.00
Long-Term Investments	7.26M	9.29M	9.29M	6.53M	4.03M	9.82M	0.00	0.00
Total Current Liabilities	294.49M	251.51M	215.04M	205.16M	174.38M	115.69M	76.58M	52.41M
Accounts Payable	14.52M	13.64M	11.84M	11.88M	11.37M	6.00M	4.67M	3.44M
Short-Term Debt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	579.45M	512.78M	287.83M	299.60M	230.51M	134.43M	78.52M	53.93M
Long-Term Debt	213.50M	166.00M	0.00	30.00M	0.00	0.00	0.00	0.00
Total Debt	278.69M	236.82M	74.23M	96.54M	48.84M	16.26M	0.00	0.00
Net Debt (Cash)	190.32M	115.90M	-37.86M	14.50M	-39.17M	-355.16M	-91.18M	-74.35M
Total Shareholders' Equity	1.06B	1.09B	1.05B	1.02B	1.07B	425.18M	167.27M	66.04M
Common Stock	59K	58K	57K	56K	55K	47K	41K	38K
Retained Earnings	-375.77M	-385.33M	-352.76M	-310.34M	-209.62M	-161.06M	-120.92M	-104.75M
Current Ratio	1.00	1.20	1.17	1.01	1.05	3.82	1.90	2.08
Debt to Equity Ratio	0.26	0.22	0.07	0.09	0.05	0.04	0.00	0.00

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

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

Total Current Assets

267.43M

293.50M

194.28M

255.09M

273.68M

302.25M

348.64M

217.19M

Cash & Cash Equivalents

102.81M

88.37M

87.59M

122.94M

133.23M

120.93M

257.89M

126.57M

Short-Term Investments

0.00

Cash & Short-Term Investments

102.81M

88.37M

87.59M

122.94M

133.23M

120.93M

257.89M

126.57M

Accounts Receivable

124.74M

166.54M

86.95M

98.47M

104.42M

146.79M

65.01M

78.82M

Inventory

0.00

Total Assets

1.61B

1.65B

1.56B

1.62B

1.65B

1.61B

1.52B

1.41B

Property, Plant & Equipment

86.67M

88.29M

89.26M

90.37M

92.85M

90.98M

90.65M

92.71M

Goodwill

1.08B

1.07B

1.08B

1.02B

908.56M

908.00M

Intangible Assets

126.22M

135.66M

142.84M

151.92M

161.32M

154.57M

128.34M

135.52M

Long-Term Investments

7.26M

7.42M

7.26M

9.29M

Total Current Liabilities

299.86M

294.49M

208.08M

248.64M

260.74M

251.51M

178.91M

210.98M

Accounts Payable

15.71M

14.52M

12.53M

14.07M

15.10M

13.64M

12.12M

13.14M

Short-Term Debt

9.80M

0.00

Total Liabilities

623.38M

579.45M

507.25M

548.85M

570.00M

512.78M

423.10M

329.76M

Long-Term Debt

253.01M

213.50M

203.50M

208.50M

166.00M

40.00M

Total Debt

326.71M

278.69M

269.37M

269.49M

278.35M

236.82M

235.90M

110.69M

Net Debt (Cash)

223.90M

190.32M

181.78M

146.55M

145.12M

115.90M

-22.00M

-15.88M

Total Shareholders' Equity

970.36M

1.06B

1.04B

1.06B

1.07B

1.09B

1.07B

Common Stock

60K

59K

58K

Retained Earnings

-361.43M

-375.77M

-384.39M

-393.04M

-379.39M

-385.33M

-369.82M

-365.86M

Current Ratio

0.89

1.00

0.93

1.03

1.05

1.20

1.95

1.03

Debt to Equity Ratio

0.34

0.26

0.25

0.26

0.22

0.10

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

Total Current Assets

293.50M

302.25M

250.78M

207.19M

183.51M

442.23M

145.28M

109.17M

Cash & Cash Equivalents

88.37M

120.93M

112.08M

82.04M

88.01M

371.43M

91.18M

74.35M

Short-Term Investments

0.00

Cash & Short-Term Investments

88.37M

120.93M

112.08M

82.04M

88.01M

371.43M

91.18M

74.35M

Accounts Receivable

166.54M

146.79M

112.97M

99.50M

74.53M

55.52M

43.41M

29.83M

Inventory

0.00

Total Assets

1.65B

1.61B

1.34B

1.33B

1.30B

563.40M

250.15M

119.97M

Property, Plant & Equipment

88.29M

90.98M

98.41M

94.95M

73.85M

29.94M

13.48M

10.41M

Goodwill

1.08B

1.02B

838.87M

839.44M

841.49M

57.15M

55.84M

0.00

Intangible Assets

135.66M

154.57M

115.57M

152.82M

180.12M

23.14M

26.09M

0.00

Long-Term Investments

7.26M

9.29M

6.53M

4.03M

9.82M

0.00

Total Current Liabilities

294.49M

251.51M

215.04M

205.16M

174.38M

115.69M

76.58M

52.41M

Accounts Payable

14.52M

13.64M

11.84M

11.88M

11.37M

6.00M

4.67M

3.44M

Short-Term Debt

0.00

Total Liabilities

579.45M

512.78M

287.83M

299.60M

230.51M

134.43M

78.52M

53.93M

Long-Term Debt

213.50M

166.00M

0.00

30.00M

0.00

Total Debt

278.69M

236.82M

74.23M

96.54M

48.84M

16.26M

0.00

Net Debt (Cash)

190.32M

115.90M

-37.86M

14.50M

-39.17M

-355.16M

-91.18M

-74.35M

Total Shareholders' Equity

1.06B

1.09B

1.05B

1.02B

1.07B

425.18M

167.27M

66.04M

Common Stock

59K

58K

57K

56K

55K

47K

41K

38K

Retained Earnings

-375.77M

-385.33M

-352.76M

-310.34M

-209.62M

-161.06M

-120.92M

-104.75M

Current Ratio

1.00

1.20

1.17

1.01

1.05

3.82

1.90

2.08

Debt to Equity Ratio

0.26

0.22

0.07

0.09

0.05

0.04

0.00