nCino Inc (NCNO)

Name: nCino Inc Financial Statements
Creator: Quarter Results

Technology | Software Application

Latest reporting period: 2025-10-31

Latest Quarter

2025-10-31

Revenue

$152M

Net Income

$6.5M

Operating Margin

7.7%

Free Cash Flow

$52.9M

Debt / Assets

31.8%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for nCino Inc (NCNO).
Income Statement (Quarterly)	2025-10-31	2025-07-31	2025-04-30	2025-01-31
Revenue	152,163,000	148,815,000	144,137,000	141,370,000
Cost of Revenue	58,477,000	60,690,000	57,695,000	57,013,000
Gross Profit	93,686,000	88,125,000	86,442,000	84,357,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	52,429,000	62,754,000	54,614,000	57,964,000
Operating Expenses	81,970,000	97,421,000	87,955,000	90,095,000
Operating Income	11,716,000	-9,296,000	-1,513,000	-5,738,000
Interest Expense	4,335,000	4,444,000	4,450,000	3,798,000
Income Before Tax	7,920,000	-12,510,000	10,551,000	-19,448,000
Income Tax Expense	-695,000	1,209,000	4,534,000	-3,871,000
Net Income	6,539,000	-15,257,000	5,562,000	-18,610,000
Per Share
EPS	0.06	-0.13	0.05	-0.16
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for nCino Inc (NCNO).
Income Statement (Annual)	2025-01-31	2024-01-31	2023-01-31	2022-01-31	2021-01-31
Revenue	540,657,000	476,543,000	273,865,000	273,865,000	204,293,000
Cost of Revenue	215,869,000	191,470,000	111,413,000	111,413,000	88,135,000
Gross Profit	324,788,000	285,073,000	162,452,000	162,452,000	116,158,000
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	213,497,000	207,274,000	154,446,000	154,446,000	100,503,000
Operating Expenses	342,919,000	324,585,000	233,809,000	233,809,000	158,766,000
Operating Income	-18,131,000	-39,512,000	-71,357,000	-71,357,000	-42,608,000
Interest Expense	8,763,000	4,135,000	1,514,000	1,514,000	130,000
Income Before Tax	-35,560,000	-41,936,000	-73,954,000	-73,954,000	-40,684,000
Income Tax Expense	-2,511,000	1,590,000	-23,833,000	-23,833,000	586,000
Net Income	-37,878,000	-42,346,000	-50,121,000	-50,121,000	-40,536,000
Per Share
EPS	-0.33	-0.38	-0.45	-0.52	-0.46
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for nCino Inc (NCNO).
Balance Sheet (Quarterly)	2025-01-31	2024-01-31	2023-01-31	2022-01-31
Assets
Cash and Cash Equivalents	120,928,000	112,085,000	88,014,000	88,014,000
Short Term Investments	0	0	0	0
Net Receivables	146,787,000	112,975,000	74,528,000	74,528,000
Inventory	0	0	0	0
Total Current Assets	302,249,000	250,775,000	183,509,000	183,509,000
Property Plant Equipment	90,979,000	98,406,000	73,847,000	73,847,000
Goodwill and Intangibles	1,173,946,000	954,441,000	1,021,609,000	1,021,609,000
Total Assets	1,610,381,000	1,340,430,000	1,301,014,000	1,301,014,000
Liabilities
Account Payables	13,640,000	11,842,000	11,366,000	11,366,000
Short Term Debt	6,833,000	10,559,000	4,169,000	4,169,000
Total Current Liabilities	251,512,000	215,036,000	174,376,000	174,376,000
Long Term Debt	229,991,000	69,103,000	44,676,000	44,676,000
Total Liabilities	512,783,000	287,826,000	230,507,000	230,507,000
Shareholders Equity
Retained Earnings	-385,335,000	-352,758,000	-209,616,000	-209,616,000
Total Shareholders Equity	1,089,312,000	1,049,176,000	1,067,625,000	1,067,625,000

Balance sheet annual history for nCino Inc (NCNO).
Balance Sheet (Annual)	2025-01-31	2024-01-31	2023-01-31	2022-01-31	2021-01-31
Assets
Cash and Cash Equivalents	120,928,000	112,085,000	88,014,000	88,014,000	371,425,000
Short Term Investments	0	0	0	0	0
Net Receivables	146,787,000	112,975,000	74,528,000	74,528,000	55,517,000
Inventory	0	0	0	0	0
Total Current Assets	302,249,000	250,775,000	183,509,000	183,509,000	442,231,000
Property Plant Equipment	90,979,000	98,406,000	73,847,000	73,847,000	29,943,000
Goodwill and Intangibles	1,173,946,000	954,441,000	1,021,609,000	1,021,609,000	80,286,000
Total Assets	1,610,381,000	1,340,430,000	1,301,014,000	1,301,014,000	563,401,000
Liabilities
Account Payables	13,640,000	11,842,000	11,366,000	11,366,000	5,997,000
Short Term Debt	6,833,000	10,559,000	4,169,000	4,169,000	324,000
Total Current Liabilities	251,512,000	215,036,000	174,376,000	174,376,000	115,692,000
Long Term Debt	229,991,000	69,103,000	44,676,000	44,676,000	15,939,000
Total Liabilities	512,783,000	287,826,000	230,507,000	230,507,000	138,222,000
Shareholders Equity
Retained Earnings	-385,335,000	-352,758,000	-209,616,000	-209,616,000	-161,064,000
Total Shareholders Equity	1,089,312,000	1,049,176,000	1,067,625,000	1,067,625,000	425,179,000

Cash flow quarterly history for nCino Inc (NCNO).
Cash Flow Statement (Quarterly)	2025-01-31	2024-01-31	2023-01-31	2022-01-31
Operating Activities
Net Income	-37,878,000	-42,346,000	-50,121,000	-50,121,000
Depreciation & Amortization	36,345,000	45,264,000	10,006,000	10,006,000
Stock Based Compensation	0	58,035,000	50,232,000	28,477,000
Change in Working Capital	-38,460,000	-16,438,000	6,426,000	6,426,000
Operating Cash Flow	55,199,000	57,285,000	-19,229,000	-19,229,000
Investing Activities
Capital Expenditure	-2,266,000	-3,871,000	-5,463,000	-5,463,000
Investments	-2,266,000	-3,871,000	-5,463,000	-5,463,000
Investing Cash Flow	-219,177,000	-6,328,000	-278,488,000	-278,488,000
Financing Activities
Debt Repayment	163,214,000	-30,000,000	-318,000	-318,000
Common Stock Issued/Repurchased	7,264,000	0	8,199,999	0
Dividends Paid	0	0	0	0
Financing Cash Flow	170,478,000	-21,113,000	15,922,000	15,922,000
Summary
Free Cash Flow	52,933,000	53,414,000	-24,692,000	-24,692,000
Net Change in Cash	8,843,000	30,026,000	-283,026,000	-283,026,000

Cash flow annual history for nCino Inc (NCNO).
Cash Flow Statement (Annual)	2025-01-31	2024-01-31	2023-01-31	2022-01-31	2021-01-31
Operating Activities
Net Income	-37,878,000	-42,346,000	-50,121,000	-50,121,000	-40,536,000
Depreciation & Amortization	36,345,000	45,264,000	10,006,000	10,006,000	7,431,000
Stock Based Compensation	0	58,035,000	50,232,000	28,477,000	25,208,000
Change in Working Capital	-38,460,000	-16,438,000	6,426,000	6,426,000	14,594,000
Operating Cash Flow	55,199,000	57,285,000	-19,229,000	-19,229,000	9,222,000
Investing Activities
Capital Expenditure	-2,266,000	-3,871,000	-5,463,000	-5,463,000	-4,338,000
Investments	-2,266,000	-3,871,000	-5,463,000	-5,463,000	-4,338,000
Investing Cash Flow	-219,177,000	-6,328,000	-278,488,000	-278,488,000	-4,338,000
Financing Activities
Debt Repayment	163,214,000	-30,000,000	-318,000	-318,000	-37,000
Common Stock Issued/Repurchased	7,264,000	0	8,199,999	0	268,375,000
Dividends Paid	0	0	0	0	0
Financing Cash Flow	170,478,000	-21,113,000	15,922,000	15,922,000	274,121,000
Summary
Free Cash Flow	52,933,000	53,414,000	-24,692,000	-24,692,000	4,884,000
Net Change in Cash	8,843,000	30,026,000	-283,026,000	-283,026,000	280,241,000