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+46.0%
5Y+191.0%
10Y+923.0%
3Y-105.0%
5Y-113.0%
10Y-128.0%
3Y-686.0%
5Y+877.0%
10Y-664.0%
nCino, Inc.

nCino, Inc. Profit Bridge

NCNO ยท NASDAQ
Revenue594.78M
Cost of Goods Sold (234.61M)
Gross Profit360.17M
Operating Expenses (356.44M)
Operating Income3.73M
Interest Expense (17.46M)
Other Income/Expense2.98M
Pretax Income6.71M
Income Tax (1.53M)
Net Income5.18M
Net Income
5.18M

Profitability Analysis

Gross Margin

60.6%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

0.6%

Minimal operating profit suggests high operating costs or pricing challenges. Scalability is concerning.

Net Profit Margin

0.9%

Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.

Effective Tax Rate

22.8%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

nCino, Inc. Income Statement

NCNO โ€ข NASDAQ

nCino, Inc. Income StatementJan 2026Jan 2025Jan 2024Jan 2023Jan 2022Jan 2021Jan 2020Jan 2019Jan 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

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