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nCino Inc (NCNO) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

TECHNOLOGY · SOFTWARE - APPLICATION · DATA UPDATED 2026-09-05

nCino Inc (NCNO) operates in the SOFTWARE - APPLICATION industry and is headquartered in Wilmington, United States with about 1,684 employees. Its market capitalization is roughly $2 billion. In the fiscal year ended 2026-01-31, NCNO reported $595M in revenue and $5M in net income.

nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally.

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NCNO Revenue & Earnings History — Annual Income Statement

Income statementTTM → 2026-07-312026-01-312025-01-312024-01-312023-01-312022-01-312021-01-312020-01-312019-01-312018-01-31
Total Revenue$622M$595M$541M$477M$408M$274M$204M$138M$92M$58M
Gross Profit$383M$360M$325M$285M$239M$162M$116M$74M$45M$28M
Gross Margin %61.5%60.6%60.1%59.8%58.5%59.3%56.9%53.6%49.2%47.6%
Operating Income (EBIT)$50M$4M($18M)($40M)($94M)($71M)($43M)($28M)($23M)($19M)
Operating Margin %8.1%0.6%-3.4%-8.3%-23.0%-26.1%-20.9%-20.4%-25.4%-32.3%
Net Income$34M$5M($38M)($42M)($103M)($49M)($41M)($28M)($22M)($19M)
Net Margin %5.4%0.9%-7.0%-8.9%-25.2%-18.1%-19.8%-20.0%-24.4%-32.0%
EBITDA$82M$66M$10M$7M($56M)($62M)($33M)($23M)($21M)($18M)
Earnings Per Share (EPS)$0.30$0.05$-0.33$-0.38$-0.93$-0.51$-0.46$-0.31$-0.25$-0.21
Shares Outstanding (M)105M114M115M113M111M97M88M90M90M90M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

NCNO Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement2026-07-312026-04-302026-01-312025-10-312025-07-312025-04-302025-01-312024-10-31
Total Revenue$161M$159M$150M$152M$149M$144M$141M$139M
Gross Profit$101M$96M$92M$94M$88M$86M$84M$85M
Gross Margin %62.6%60.5%61.4%61.6%59.2%60.0%59.7%61.3%
Operating Income (EBIT)$14M$22M$3M$12M($9M)($2M)($6M)($1M)
Operating Margin %8.5%13.8%1.9%7.7%-6.2%-1.1%-4.1%-0.6%
Net Income$5M$14M$8M$7M($15M)$6M($19M)($5M)
Net Margin %3.2%8.6%5.6%4.3%-10.2%3.9%-13.2%-3.8%
EBITDA$13M$31M$15M$23M$3M$26M($5M)$9M
Earnings Per Share (EPS)$0.05$0.12$0.07$0.06$-0.13$0.05$-0.16$-0.05
Shares Outstanding (M)105M109M115M116M115M117M116M116M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

NCNO Free Cash Flow History

Cash flowTTM → 2026-07-312026-01-312025-01-312024-01-312023-01-312022-01-312021-01-312020-01-312019-01-312018-01-31
Cash from Operations (CFO)$134M$90M$55M$57M($15M)($19M)$9M($9M)($5M)($16M)
Capital Expenditures (CapEx)$1M$8M$2M$4M$19M$5M$4M$6M$8M$3M
Free Cash Flow (FCF)$132M$83M$53M$53M($34M)($25M)$5M($15M)($13M)($19M)
FCF Margin %21.2%13.9%9.8%11.2%-8.4%-9.0%2.4%-10.7%-13.7%-32.3%

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

NCNO Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow2026-07-312026-04-302026-01-312025-10-312025-07-312025-04-302025-01-312024-10-31
Cash from Operations (CFO)$34M$81M$13M$5M$18M$54M($10M)$6M
Capital Expenditures (CapEx)$0M$1M$0M$0M$5M$2M$0M$1M
Free Cash Flow (FCF)$34M$81M$12M$5M$13M$53M($10M)$5M
FCF Margin %21.1%50.7%8.3%3.2%8.5%36.5%-7.3%3.6%

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

NCNO Balance Sheet History

Balance sheet2026-07-312026-01-312025-01-312024-01-312023-01-312022-01-312021-01-312020-01-312019-01-312018-01-31
Total Assets$1.6B$1.6B$1.6B$1.3B$1.3B$1.3B$563M$250M$120M$113M
Cash & Cash Equivalents$83M$88M$121M$112M$82M$88M$371M$91M$74M$81M
Total Liabilities$627M$579M$513M$288M$300M$231M$134M$79M$54M$35M
Total Debt (Short + Long-Term)$14M$219M$173M$5M$35M$4M$0M$59M$41M$0M
Total Shareholders' Equity$930M$1.1B$1.1B$1.0B$1.0B$1.1B$425M$172M$66M$78M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive NCNO viewer.

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