$15.88
-7.6%nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Minimal operating profit suggests high operating costs or pricing challenges. Scalability is concerning.
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
NCNO โข NASDAQ
| nCino, Inc. Income Statement | Jan 2026 | Jan 2025 | Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 |
|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||
594.8M | 540.7M | 476.5M | 408.3M | 273.9M | 204.3M | 138.2M | 91.5M | 58.1M | |
GROSS PROFIT | |||||||||
(234.6M) | (215.9M) | (191.5M) | (169.6M) | (111.4M) | (88.1M) | (64.1M) | (46.5M) | (30.5M) | |
360.2M | 324.8M | 285.1M | 238.7M | 162.5M | 116.2M | 74.1M | 45.1M | 27.7M | |
OPERATING INCOME | |||||||||
(356.4M) | (342.9M) | (324.6M) | (332.7M) | (233.8M) | (158.8M) | (102.3M) | (68.3M) | (46.4M) | |
(228.9M) | (213.5M) | (207.3M) | (211.1M) | (154.4M) | (100.5M) | (67M) | (46.1M) | (29.9M) | |
(127.5M) | (129.4M) | (117.3M) | (121.6M) | (79.4M) | (58.3M) | (35.3M) | (22.2M) | (16.6M) | |
3.7M | -18.1M | -39.5M | -94M | -71.4M | -42.6M | -28.2M | -23.2M | -18.8M | |
PRE-TAX INCOME | |||||||||
(17.5M) | (8.8M) | (4.1M) | (2.8M) | (1.5M) | (130K) | (0.0) | (0.0) | (0.0) | |
-16M | -7M | -1.6M | -2.4M | -1.3M | 231K | 988K | 1.2M | 260K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (33K) | -89K | -24K | |
3M | -17.4M | -2.4M | -3.8M | -2.6M | 1.9M | 1M | 1.1M | 236K | |
6.7M | -35.6M | -41.9M | -97.8M | -74M | -40.7M | -27.1M | -22.1M | -18.5M | |
NET INCOME | |||||||||
(1.5M) | -2.5M | (1.6M) | (4.1M) | -23.8M | (586K) | (586K) | (194K) | (50K) | |
5.2M | -37.9M | -42.3M | -102.7M | -49.4M | -40.5M | -27.6M | -22.3M | -18.6M |
NCNO - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q2 Q2 | May 27, 2026 | April 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 27, 2026 | May 27, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | May 08, 2026 | June 18, 2026 | 2026 | |
10-K 10-K 2026 FY FY | March 31, 2026 | January 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 31, 2026 | March 30, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 08, 2025 | December 08, 2025 | 2025 | |
10-Q 10-Q 2025 Q4 Q4 | December 03, 2025 | October 31, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 03, 2025 | December 01, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 26, 2025 | August 26, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | August 26, 2025 | July 31, 2025 | 2025 |
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