NCNONasdaqServices-Prepackaged SoftwareFiscal year ends January 31

nCino, Inc.

Financials through Q2 FY2027, quarter ended Jul 31, 2026Last filing: 10-Q on Aug 25, 2026

$20.35−0.16 (-0.78%)

Close on Oct 19, 2026

Market cap: $2.14B
P/E (TTM): 67.8
Dividend yield: –

nCino, Inc. income statement

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2026 2026-01-31	FY 2025 2025-01-31	FY 2024 2024-01-31	FY 2023 2023-01-31	FY 2022 2022-01-31	FY 2021 2021-01-31	FY 2020 2020-01-31
Revenue	595	541	477	408	274	204	138
Cost of Revenue	235	216	191	170	111	88	64
Gross Profit	360	325	285	239	162	116	74
Research & Development	128	129	117	122	79	58	35
Selling, General & Admin	229	213	207	211	154	101	67
Selling & Marketing	137	123	131	128	83	60	44
General & Administrative	92	90	77	83	72	41	23
Advertising Expenses	12	8.70	7.70	8.70	5.80	3.10	3.70
Operating Expenses	356	343	325	333	234	159	102
Operating Income	3.73	-18	-40	-94	-71	-43	-28
Interest Expense	17	8.76	4.14	2.81	1.51	0.13	0
Interest & Investment Income	1.43	1.76	2.57	0.40	0.19	0.36	0.99
Other Non-Operating Income	19	-10	-0.86	-1.36	-1.28	1.69	0.03
Merger & Restructuring Charges	10	0	0.63	4.81	–	–	–
Asset Impairment Charges	0	0	0	0	0	0	0
Gain (Loss) on Investments	1.20	0	0	–	–	–	–
Gain (Loss) on Sale of Assets	-0.46	-0.04	-0.15	0	0	–	–
Pretax Income	6.71	-36	-42	-98	-74	-41	-27
Income Tax Expense	-3.00	-2.51	1.59	4.07	-24	0.59	0.59
Net Income incl. Noncontrolling Interests	9.70	-33	-44	-102	-50	-41	-28
Minority Interest in Earnings	0.14	-0.47	-1.11	-1.12	-1.57	-1.13	-0.14
Net Income	5.18	-38	-42	-103	-49	-41	-28
EPS (Basic)(per share)	0.05	-0.33	-0.38	-0.93	-0.51	-0.46	-0.35
EPS (Diluted)(per share)	0.05	-0.33	-0.38	-0.93	-0.51	-0.46	-0.35
Shares Outstanding (Basic, Weighted)(shares)	113	115	113	111	97	88	78
Shares Outstanding (Diluted, Weighted)(shares)	114	115	113	111	97	88	78
EBITDA	46	18	5.75	-59	-61	-35	-24

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jul 31, 2026

Profitability, TTM

Gross margin: 62.2%
Operating margin: 7.9%
Net margin: 5.4%
Return on equity, FY2026: 0.5%

Financial strength

Current ratio: 0.85
Debt to equity: 0.30
Debt to assets: 17.5%
Cash to current liabilities: 29.0%

Valuation

P/E ratio: 67.8
Price to sales: 3.45
Price to book: 2.31
Dividend yield: –