nCino, Inc.

nCino, Inc.

NCNOยทNASDAQ

$15.88

-7.6%
TechnologySoftware - Application

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.

At a Glance

Live Snapshot
Market Cap$1.74B
EPS0.0500
P/E Ratio317.60
Earnings Date08/25/2026
3Y+24.0%
5Y+193.0%
10Y+1359.0%
3Y+93.0%
5Y+331.0%
10Y+1558.0%
3Y+4.0%
5Y+149.0%
10Y+1270.0%
ncno

nCino, Inc. Funding & Solvency Profile

NCNO ยท NASDAQ
Cash & Cash Equivalents88.37M
Net Receivables166.54M
Inventory0.00
Other Current Assets38.59M
Total Current Assets294 M
Property, Plant & Equipment88.29M
Goodwill & Intangible Assets1.21B
Long-Term Investments7.26M
Other Non-Current Assets45.44M
Total Non-Current Assets141 M
Total Assets
1.65B

Financial Health Analysis

Current Ratio

1.00x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

0.54x

Balanced capital structure with moderate leverage. Equity exceeds debt, suggesting healthy financial stability.

Working Capital

-989000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

18% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Negative working capital with limited cash reserves requires immediate attentionโ€”potential liquidity crisis if not addressed promptly.

nCino, Inc. Balance Sheet

NCNO โ€ข NASDAQ

nCino, Inc. Balance SheetJan 2026Jan 2025Jan 2024Jan 2023Jan 2022Jan 2021Jan 2020Jan 2019Jan 2018
ASSETS
CURRENT ASSETS
88.4M
120.9M
112.1M
82M
88M
371.4M
91.2M
74.3M
80.7M
88.4M
120.9M
112.1M
82M
88M
371.4M
91.2M
74.3M
80.7M
166.5M
146.8M
113M
99.5M
74.5M
55.5M
43.4M
29.8M
24.3M
136.9M
121.2M
112.4M
98.8M
73.4M
55M
41.9M
29.9M
24.3M
29.6M
25.6M
557K
747K
1.1M
519K
1.5M
-93K
0.0
0.0
0.0
0.0
0.0
13.4M
10.4M
7.1M
5M
0.0
38.6M
34.5M
25.7M
25.7M
7.6M
4.9M
3.6M
0.0
4M
293.5M
302.2M
250.8M
207.2M
183.5M
442.2M
145.3M
109.2M
109M
NON-CURRENT ASSETS
88.3M
91M
98.4M
95M
73.8M
29.9M
13.5M
10.4M
3.8M
1.1B
1B
838.9M
839.4M
841.5M
57.1M
55.8M
0.0
0.0
135.7M
154.6M
115.6M
152.8M
180.1M
23.1M
26.1M
0.0
0.0
1.2B
1.2B
954.4M
992.3M
1B
80.3M
81.9M
0.0
0.0
7.3M
9.3M
9.3M
6.5M
4M
9.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7M
368K
0.0
0.0
0.0
45.4M
33.9M
27.5M
26.3M
16.3M
750K
9.5M
393K
174K
1.4B
1.3B
1.1B
1.1B
1.1B
121.2M
104.9M
10.8M
4M
1.6B
1.6B
1.3B
1.3B
1.3B
563.4M
250.2M
120M
113M
LIABILITIES
CURRENT LIABILITIES
14.5M
13.6M
11.8M
11.9M
11.4M
6M
4.7M
3.4M
2.3M
14.5M
13.6M
11.8M
11.9M
11.4M
6M
4.7M
3.4M
2.3M
0.0
16.2M
10.8M
10.9M
21.5M
4.1M
12.8M
7.9M
0.0
5M
6.8M
5.1M
4.9M
4.2M
324K
0.0
0.0
0.0
210.6M
191.2M
170.9M
154.9M
122.6M
89.1M
58.9M
41.1M
28.4M
64.4M
23.6M
16.3M
22.6M
14.7M
16.1M
183K
0.0
4.2M
294.5M
251.5M
215M
205.2M
174.4M
115.7M
76.6M
52.4M
34.9M
NON-CURRENT LIABILITIES
213.5M
166M
0.0
30M
0.0
0.0
0.0
0.0
0.0
170K
269K
0.0
0.0
44K
2.8M
0.0
825K
17K
7M
13.9M
3.7M
0.0
1.7M
0.0
194K
0.0
0.0
4.1M
17.2M
0.0
2.8M
9.7M
0.0
1.8M
0.0
0.0
285M
261.3M
72.8M
94.4M
56.1M
18.7M
1.9M
1.5M
17K
65.2M
70.8M
74.2M
66.5M
48.8M
16.3M
0.0
0.0
0.0
579.5M
512.8M
287.8M
299.6M
230.5M
134.4M
78.5M
53.9M
35M
SHAREHOLDERS' EQUITY
-125.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
66.1M
0.0
59K
58K
57K
56K
55K
47K
41K
38K
36K
1.6B
1.5B
1.4B
1.3B
1.3B
586M
288.6M
170.8M
160.4M
-375.8M
-385.3M
-352.8M
-310.3M
-209.6M
-161.1M
-120.9M
-104.8M
-82.4M
7M
176K
996K
694K
-72K
240K
-408K
-21K
6K
1.1B
1.1B
1B
1B
1.1B
425.2M
167.3M
66M
78M
1.1B
1.1B
1.1B
1B
1.1B
429M
171.6M
66M
78M
12.7M
8.3M
3.4M
3.6M
2.9M
3.8M
4.4M
0.0
0.0
SUMMARY
1.6B
1.6B
1.3B
1.3B
1.3B
563.4M
250.2M
120M
113M
7.3M
9.3M
9.3M
6.5M
4M
9.8M
0.0
0.0
0.0
278.7M
236.8M
74.2M
96.5M
48.8M
16.3M
0.0
0.0
0.0
190.3M
115.9M
-37.9M
14.5M
-39.2M
-355.2M
-91.2M
-74.3M
-80.7M
115,814,720
115,814,720
115,814,720
115,814,720
115,814,720
115,814,720
115,814,720
115,814,720
115,814,720

SEC Filings

NCNO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 66 filings