nCino (NCNO) Financials

$27.18 +0.40 (+1.49%)

As of 01:04 PM Eastern

Annual Income Statements for nCino

This table shows nCino's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2025	2024	2023	2022	2021	2020
Period end date	1/31/2025	1/31/2024	1/31/2023	1/31/2022	1/31/2021	1/31/2020
Net Income / (Loss) Attributable to Common Shareholders	-38	-42	-103	-49	-41	-28
Consolidated Net Income / (Loss)	-33	-44	-102	-50	-41	-28
Net Income / (Loss) Continuing Operations	-33	-44	-102	-50	-41	-28
Total Pre-Tax Income	-36	-42	-98	-74	-41	-27
Total Operating Income	-18	-40	-94	-71	-43	-28
Total Gross Profit	325	285	239	162	116	74
Total Revenue	541	477	408	274	204	138
Operating Revenue	541	477	408	274	204	138
Total Cost of Revenue	216	191	170	111	88	64
Operating Cost of Revenue	216	191	170	111	88	64
Total Operating Expenses	343	325	333	234	159	102
Selling, General & Admin Expense	90	77	83	72	41	23
Marketing Expense	123	131	128	83	60	44
Research & Development Expense	129	117	122	79	58	35
Total Other Income / (Expense), net	-17	-2.42	-3.76	-2.60	1.92	1.02
Interest Expense	8.76	4.14	2.81	1.51	0.13	0.00
Interest & Investment Income	1.76	2.57	0.40	0.19	0.36	0.99
Other Income / (Expense), net	-10	-0.86	-1.36	-1.28	1.69	0.03
Income Tax Expense	-2.51	1.59	4.07	-24	0.59	0.59
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.47	-1.11	-1.12	-1.57	-1.13	-0.14
Other Adjustments to Net Income / (Loss) Attributable to Common Shareholders)	5.30	-0.07	2.00	0.89	0.40	0.00
Basic Earnings per Share	($0.33)	($0.38)	($0.93)	($0.51)	($0.46)	($0.35)
Weighted Average Basic Shares Outstanding	115.16M	112.67M	110.62M	96.72M	87.68M	78.32M
Diluted Earnings per Share	($0.33)	($0.38)	($0.93)	($0.51)	($0.46)	($0.35)
Weighted Average Diluted Shares Outstanding	115.16M	112.67M	110.62M	96.72M	87.68M	78.32M
Weighted Average Basic & Diluted Shares Outstanding	116.45M	114.22M	111.87M	109.96M	-	-

This table shows nCino's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023
Period end date	1/31/2025	10/31/2024	7/31/2024	4/30/2024	1/31/2024	10/31/2023	7/31/2023	4/30/2023	1/31/2023	10/31/2022	7/31/2022
Net Income / (Loss) Attributable to Common Shareholders	-19	-5.25	-11	-2.98	1.16	-16	-16	-11	-21	-24	-27
Consolidated Net Income / (Loss)	-16	-4.15	-11	-2.30	1.37	-17	-16	-12	-22	-23	-27
Net Income / (Loss) Continuing Operations	-16	-4.15	-11	-2.30	1.37	-17	-16	-12	-22	-23	-27
Total Pre-Tax Income	-19	-1.56	-9.27	-5.28	-1.76	-15	-15	-10	-20	-22	-27
Total Operating Income	-5.74	-0.82	-7.91	-3.66	-3.19	-13	-15	-8.63	-23	-18	-25
Total Gross Profit	84	85	78	77	74	74	69	67	64	62	58
Total Revenue	141	139	132	128	124	122	117	114	109	105	100
Operating Revenue	141	139	132	128	124	122	117	114	109	105	100
Total Cost of Revenue	57	54	54	51	49	48	48	46	45	43	41
Operating Cost of Revenue	57	54	54	51	49	48	48	46	45	43	41
Total Operating Expenses	90	86	86	81	78	87	84	76	88	81	83
Selling, General & Admin Expense	24	23	20	23	17	19	22	18	21	19	21
Marketing Expense	34	30	32	28	30	38	32	30	33	32	33
Research & Development Expense	32	33	34	30	30	29	30	28	33	29	30
Total Other Income / (Expense), net	-14	-0.74	-1.36	-1.62	1.43	-2.49	0.26	-1.62	3.47	-3.40	-1.62
Interest Expense	3.80	1.65	1.84	1.48	0.86	0.85	1.04	1.38	0.96	0.58	0.63
Interest & Investment Income	0.35	0.48	0.32	0.61	0.51	0.69	0.84	0.54	0.29	0.09	0.03
Other Income / (Expense), net	-10	0.43	0.15	-0.74	1.78	-2.32	0.47	-0.78	4.14	-2.91	-1.01
Income Tax Expense	-3.87	2.59	1.75	-2.98	-3.13	1.78	1.55	1.39	1.91	0.80	0.80
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.06	-0.19	-0.06	-0.17	-0.24	-0.32	-0.27	-0.28	-0.21	-0.26	-0.31
Other Adjustments to Net Income / (Loss) Attributable to Common Shareholders)	3.10	1.29	0.08	0.84	0.46	-0.48	0.07	-0.12	-0.35	1.19	0.13
Basic Earnings per Share	($0.15)	($0.05)	($0.10)	($0.03)	$0.01	($0.15)	($0.14)	($0.10)	($0.19)	($0.21)	($0.25)
Weighted Average Basic Shares Outstanding	115.16M	115.61M	115.18M	114.20M	112.67M	112.95M	112.40M	112.03M	110.62M	110.90M	110.39M
Diluted Earnings per Share	($0.15)	($0.05)	($0.10)	($0.03)	$0.01	($0.15)	($0.14)	($0.10)	($0.19)	($0.21)	($0.25)
Weighted Average Diluted Shares Outstanding	115.16M	115.61M	115.18M	114.20M	112.67M	112.95M	112.40M	112.03M	110.62M	110.90M	110.39M
Weighted Average Basic & Diluted Shares Outstanding	116.45M	115.79M	115.56M	115.08M	114.22M	113.13M	112.91M	112.25M	111.87M	111.03M	110.85M

This table details how cash moves in and out of nCino's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2025	2024	2023	2022	2021	2020
Period end date	1/31/2025	1/31/2024	1/31/2023	1/31/2022	1/31/2021	1/31/2020
Net Change in Cash & Equivalents	3.82	30	-0.98	-283	280	17
Net Cash From Operating Activities	55	57	-15	-19	9.22	-9.00
Net Cash From Continuing Operating Activities	55	57	-15	-19	9.22	-9.00
Net Income / (Loss) Continuing Operations	-33	-44	-102	-50	-41	-28
Consolidated Net Income / (Loss)	-33	-44	-102	-50	-41	-28
Depreciation Expense	36	45	35	10	7.43	4.61
Amortization Expense	12	10	8.64	5.78	4.68	3.24
Non-Cash Adjustments To Reconcile Net Income	64	54	44	22	15	0.01
Changes in Operating Assets and Liabilities, net	-24	-8.43	-1.02	-6.81	24	11
Net Cash From Investing Activities	-219	-6.33	-21	-278	-4.34	-58
Net Cash From Continuing Investing Activities	-219	-6.33	-21	-278	-4.34	-58
Purchase of Property, Plant & Equipment	-1.82	-3.52	-18	-5.46	-4.34	-5.76
Acquisitions	-217	-0.36	0.11	-269	0.00	-52
Purchase of Investments	0.00	-2.50	-2.50	-4.03	0.00	0.00
Sale of Property, Plant & Equipment	0.00	0.04	0.00	0.00	-	-
Net Cash From Financing Activities	170	-21	37	16	274	84
Net Cash From Continuing Financing Activities	170	-21	37	16	274	84
Repayment of Debt	-76	-30	-20	0.00	0.00	-
Issuance of Debt	241	0.00	50	0.00	0.00	-
Issuance of Common Equity	4.47	5.64	4.45	2.54	268	85
Other Financing Activities, net	1.49	3.24	2.63	14	8.51	-0.37
Effect of Exchange Rate Changes	-2.68	0.18	-1.59	-1.23	1.24	-0.23
Cash Interest Paid	8.75	4.32	2.62	1.51	0.13	0.00
Cash Income Taxes Paid	3.57	3.17	0.66	1.00	0.63	0.37

This table details how cash moves in and out of nCino's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023
Period end date	1/31/2025	10/31/2024	7/31/2024	4/30/2024	1/31/2024	10/31/2023	7/31/2023	4/30/2023	1/31/2023	10/31/2022	7/31/2022
Net Change in Cash & Equivalents	-137	131	-8.07	17	12	2.45	-0.13	16	-24	20	7.46
Net Cash From Operating Activities	-10	5.78	5.00	54	8.15	5.87	12	31	-22	-4.08	9.47
Net Cash From Continuing Operating Activities	-10	5.78	5.00	54	8.15	5.87	12	31	-22	-4.08	9.47
Net Income / (Loss) Continuing Operations	-16	-4.15	-11	-2.30	1.37	-17	-16	-12	-22	-23	-27
Consolidated Net Income / (Loss)	-16	-4.15	-11	-2.30	1.37	-17	-16	-12	-22	-23	-27
Depreciation Expense	10	8.91	8.93	8.29	7.93	19	9.17	9.13	9.19	8.58	8.42
Amortization Expense	3.35	3.11	2.93	2.75	2.61	2.55	2.48	2.49	2.35	2.18	2.07
Non-Cash Adjustments To Reconcile Net Income	21	13	16	13	11	17	15	12	4.94	13	12
Changes in Operating Assets and Liabilities, net	-29	-15	-12	32	-14	-15	1.65	20	-17	-5.25	14
Net Cash From Investing Activities	-126	-0.83	-0.70	-91	-0.39	-3.12	-0.86	-1.96	-6.95	-4.47	-4.61
Net Cash From Continuing Investing Activities	-126	-0.83	-0.70	-91	-0.39	-3.12	-0.86	-1.96	-6.95	-4.47	-4.61
Purchase of Property, Plant & Equipment	-0.35	-0.68	-0.44	-0.34	-0.43	-0.62	-0.86	-1.61	-4.45	-4.59	-4.61
Acquisitions	-126	-0.15	-0.25	-91	-	-	-	-0.36	-	0.11	-
Net Cash From Financing Activities	2.04	125	-13	56	2.92	1.63	-12	-14	2.08	31	3.35
Net Cash From Continuing Financing Activities	2.04	125	-13	56	2.92	1.63	-12	-14	2.08	31	3.35
Repayment of Debt	-0.10	-41	-15	-20	-	-	-15	-15	-	-	-0.00
Issuance of Common Equity	1.95	-	-	-	1.96	0.98	-	-	2.03	-	-
Other Financing Activities, net	0.19	0.29	-0.23	1.24	0.96	0.65	0.50	1.14	0.05	1.03	0.93
Effect of Exchange Rate Changes	-2.58	1.26	0.45	-1.80	0.94	-1.93	0.57	0.59	2.51	-2.20	-0.75
Cash Interest Paid	3.90	2.00	2.02	0.82	0.86	0.88	1.09	1.49	0.77	0.61	0.62
Cash Income Taxes Paid	0.80	0.74	1.17	0.86	0.92	0.34	0.82	1.08	0.01	0.17	0.48

This table presents nCino's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2025	2024	2023	2022	2021
Period end date	1/31/2025	1/31/2024	1/31/2023	1/31/2022	1/31/2021
Total Assets	1,610	1,340	1,327	1,301	563
Total Current Assets	302	251	207	184	442
Cash & Equivalents	121	112	82	88	371
Accounts Receivable	147	113	99	75	56
Prepaid Expenses	21	15	16	13	10
Other Current Assets	13	11	9.39	7.58	4.86
Plant, Property, & Equipment, net	75	79	84	61	30
Total Noncurrent Assets	1,233	1,011	1,036	1,057	91
Long-Term Investments	9.29	9.29	6.53	4.03	0.00
Goodwill	1,019	839	839	841	57
Intangible Assets	155	116	153	180	23
Other Noncurrent Operating Assets	50	47	37	31	11
Total Liabilities & Shareholders' Equity	1,610	1,340	1,327	1,301	563
Total Liabilities	513	288	300	231	134
Total Current Liabilities	252	215	205	174	116
Accounts Payable	14	12	12	11	6.00
Accrued Expenses	16	11	11	15	20
Current Deferred Revenue	191	171	155	123	89
Current Employee Benefit Liabilities	24	16	23	21	-
Other Current Liabilities	6.83	5.12	4.89	4.17	0.32
Total Noncurrent Liabilities	261	73	94	56	19
Long-Term Debt	166	0.00	30	0.00	-
Noncurrent Deferred Revenue	0.27	0.00	-	0.04	2.43
Noncurrent Deferred & Payable Income Tax Liabilities	14	3.69	2.80	1.68	0.37
Other Noncurrent Operating Liabilities	81	69	62	54	16
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	8.29	3.43	3.59	2.88	3.79
Total Equity & Noncontrolling Interests	1,089	1,049	1,024	1,068	425
Total Preferred & Common Equity	1,089	1,049	1,024	1,068	425
Preferred Stock	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,089	1,049	1,024	1,068	425
Common Stock	1,474	1,401	1,334	1,277	586
Retained Earnings	-385	-353	-310	-210	-161
Accumulated Other Comprehensive Income / (Loss)	0.18	1.00	0.69	-0.07	0.24

This table presents nCino's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023
Period end date	10/31/2024	7/31/2024	4/30/2024	10/31/2023	7/31/2023	4/30/2023	10/31/2022	7/31/2022	4/30/2022
Total Assets	1,517	1,409	1,424	1,268	1,302	1,314	1,291	1,296	1,297
Total Current Assets	349	229	237	191	209	212	168	177	173
Cash & Equivalents	258	121	129	100	98	98	106	86	79
Accounts Receivable	65	79	79	62	81	81	40	68	73
Prepaid Expenses	14	17	17	19	21	23	13	14	14
Other Current Assets	12	12	11	9.72	9.50	9.37	8.66	8.15	7.85
Plant, Property, & Equipment, net	76	77	78	81	82	83	84	73	68
Total Noncurrent Assets	1,092	1,103	1,110	996	1,010	1,019	1,040	1,046	1,055
Long-Term Investments	9.29	9.29	9.29	9.03	6.53	6.53	4.03	4.03	4.03
Goodwill	909	908	908	839	839	839	840	841	842
Intangible Assets	128	136	143	122	139	146	159	166	173
Other Noncurrent Operating Assets	46	50	50	27	26	28	36	36	37
Total Liabilities & Shareholders' Equity	1,517	1,409	1,424	1,268	1,302	1,314	1,291	1,296	1,297
Total Liabilities	423	330	356	236	270	286	255	252	242
Total Current Liabilities	179	211	222	173	208	223	158	191	183
Accounts Payable	12	13	16	13	9.78	11	11	9.46	8.84
Accrued Expenses	12	7.93	8.82	11	12	9.74	25	26	26
Current Deferred Revenue	132	172	180	130	169	172	117	152	144
Current Employee Benefit Liabilities	16	12	11	14	12	11	-	-	-
Other Current Liabilities	6.44	6.32	5.86	4.95	4.83	5.08	4.53	4.48	4.16
Total Noncurrent Liabilities	244	119	134	63	62	63	97	61	59
Long-Term Debt	166	40	55	0.00	0.00	0.00	30	-	-
Noncurrent Deferred Revenue	0.43	0.57	0.66	-	-	-	0.01	0.01	0.04
Noncurrent Deferred & Payable Income Tax Liabilities	11	11	10	3.24	2.92	2.48	2.28	2.16	1.89
Other Noncurrent Operating Liabilities	67	67	68	60	59	60	65	59	57
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	5.24	4.13	4.11	3.20	3.00	3.18	4.09	3.22	3.42
Total Equity & Noncontrolling Interests	1,088	1,075	1,064	1,029	1,028	1,025	1,032	1,041	1,052
Total Preferred & Common Equity	1,088	1,075	1,064	1,029	1,028	1,025	1,032	1,041	1,052
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,088	1,075	1,064	1,029	1,028	1,025	1,032	1,041	1,052
Common Stock	1,456	1,439	1,418	1,382	1,365	1,346	1,319	1,306	1,290
Retained Earnings	-370	-366	-355	-354	-338	-322	-289	-266	-239
Accumulated Other Comprehensive Income / (Loss)	1.62	1.41	0.87	0.91	0.84	0.82	1.76	1.22	0.76

This table displays calculated financial ratios and metrics derived from nCino's official financial filings.

Metric	2025	2024	2023	2022	2021	2020
Period end date	1/31/2025	1/31/2024	1/31/2023	1/31/2022	1/31/2021	1/31/2020
Growth Metrics	-	-	-	-	-	-
Revenue Growth	13.45%	16.71%	49.09%	34.06%	47.85%	0.00%
EBITDA Growth	32.68%	128.83%	8.39%	-97.38%	-41.99%	0.00%
EBIT Growth	29.26%	57.67%	-31.30%	-77.52%	-45.41%	0.00%
NOPAT Growth	54.11%	57.97%	-31.75%	-67.47%	-51.25%	0.00%
Net Income Growth	24.07%	57.26%	-103.20%	-21.45%	-48.80%	0.00%
EPS Growth	13.16%	59.14%	-82.35%	-10.87%	-31.43%	0.00%
Operating Cash Flow Growth	-3.64%	472.44%	20.01%	-308.51%	202.49%	0.00%
Free Cash Flow Firm Growth	-2,202.88%	118.10%	94.19%	-1,011.21%	0.00%	0.00%
Invested Capital Growth	21.71%	-3.91%	-0.96%	1,600.34%	0.00%	0.00%
Revenue Q/Q Growth	3.38%	3.14%	9.15%	0.00%	0.00%	0.00%
EBITDA Q/Q Growth	-36.74%	949.21%	25.48%	0.00%	0.00%	0.00%
EBIT Q/Q Growth	-104.53%	30.58%	10.97%	0.00%	0.00%	0.00%
NOPAT Q/Q Growth	-16.39%	33.77%	6.61%	0.00%	0.00%	0.00%
Net Income Q/Q Growth	-105.30%	34.72%	-17.51%	0.00%	0.00%	0.00%
EPS Q/Q Growth	-94.12%	34.48%	-14.81%	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	-24.76%	111.25%	-6.72%	0.00%	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	-165.49%	218.93%	0.00%	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	14.22%	0.97%	1.43%	0.00%	0.00%	0.00%
Profitability Metrics	-	-	-	-	-	-
Gross Margin	60.07%	59.82%	58.46%	59.32%	56.86%	53.63%
EBITDA Margin	3.68%	3.15%	-12.76%	-20.76%	-14.10%	-14.68%
Operating Margin	-3.35%	-8.29%	-23.02%	-26.06%	-20.86%	-20.39%
EBIT Margin	-5.28%	-8.47%	-23.36%	-26.52%	-20.03%	-20.36%
Profit (Net Income) Margin	-6.11%	-9.13%	-24.94%	-18.30%	-20.20%	-20.07%
Tax Burden Percent	92.94%	103.79%	104.16%	67.77%	101.44%	102.16%
Interest Burden Percent	124.52%	103.88%	102.52%	101.82%	99.44%	96.49%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Invested Capital (ROIC)	-1.23%	-2.91%	-6.76%	-9.64%	-103.66%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	46.33%	14.73%	41.09%	-9.57%	-97.50%	0.00%
Return on Net Nonoperating Assets (RNNOA)	-1.84%	-1.27%	-2.95%	2.96%	84.42%	0.00%
Return on Equity (ROE)	-3.07%	-4.18%	-9.71%	-6.69%	-19.24%	0.00%
Cash Return on Invested Capital (CROIC)	-20.81%	1.08%	-5.80%	-187.42%	-303.66%	0.00%
Operating Return on Assets (OROA)	-1.94%	-3.03%	-7.26%	-7.79%	-7.26%	0.00%
Return on Assets (ROA)	-2.24%	-3.26%	-7.75%	-5.38%	-7.33%	0.00%
Return on Common Equity (ROCE)	-3.06%	-4.17%	-9.68%	-6.66%	-19.07%	0.00%
Return on Equity Simple (ROE_SIMPLE)	-3.03%	-4.15%	-9.94%	-4.69%	-9.71%	0.00%
Net Operating Profit after Tax (NOPAT)	-13	-28	-66	-50	-30	-20
NOPAT Margin	-2.35%	-5.80%	-16.12%	-18.24%	-14.60%	-14.27%
Net Nonoperating Expense Percent (NNEP)	-47.56%	-17.64%	-47.85%	-0.07%	-6.16%	0.00%
Return On Investment Capital (ROIC_SIMPLE)	-1.01%	-2.64%	-6.24%	-	-	-
Cost of Revenue to Revenue	39.93%	40.18%	41.54%	40.68%	43.14%	46.37%
SG&A Expenses to Revenue	16.70%	16.10%	20.44%	26.12%	19.96%	16.31%
R&D to Revenue	23.94%	24.62%	29.78%	28.98%	28.52%	25.55%
Operating Expenses to Revenue	63.43%	68.11%	81.49%	85.37%	77.71%	74.02%
Earnings before Interest and Taxes (EBIT)	-29	-40	-95	-73	-41	-28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	20	15	-52	-57	-29	-20
Valuation Ratios	-	-	-	-	-	-
Price to Book Value (P/BV)	3.62	3.39	3.10	0.00	0.00	0.00
Price to Tangible Book Value (P/TBV)	0.00	37.59	99.82	0.00	0.00	0.00
Price to Revenue (P/Rev)	7.28	7.47	7.78	0.00	0.00	0.00
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	3.51	3.70	3.22	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	7.37	7.23	7.64	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	199.90	229.35	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	72.14	60.11	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	337.05	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-
Debt to Equity	0.15	0.00	0.03	0.00	0.00	0.00
Long-Term Debt to Equity	0.15	0.00	0.03	0.00	0.00	0.00
Financial Leverage	-0.04	-0.09	-0.07	-0.31	-0.87	0.00
Leverage Ratio	1.37	1.28	1.25	1.24	1.31	0.00
Compound Leverage Factor	1.71	1.33	1.28	1.27	1.31	0.00
Debt to Total Capital	13.14%	0.00%	2.84%	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	13.14%	0.00%	2.84%	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.66%	0.33%	0.34%	0.27%	0.88%	0.00%
Common Equity to Total Capital	86.21%	99.67%	96.82%	99.73%	99.12%	0.00%
Debt to EBITDA	8.33	0.00	-0.58	0.00	0.00	0.00
Net Debt to EBITDA	1.80	0.00	1.12	0.00	0.00	0.00
Long-Term Debt to EBITDA	8.33	0.00	-0.58	0.00	0.00	0.00
Debt to NOPAT	-13.08	0.00	-0.46	0.00	0.00	0.00
Net Debt to NOPAT	-2.82	0.00	0.89	0.00	0.00	0.00
Long-Term Debt to NOPAT	-13.08	0.00	-0.46	0.00	0.00	0.00
Altman Z-Score	4.59	7.34	6.10	0.00	0.00	0.00
Noncontrolling Interest Sharing Ratio	0.54%	0.34%	0.31%	0.45%	0.88%	0.00%
Liquidity Ratios	-	-	-	-	-	-
Current Ratio	1.20	1.17	1.01	1.05	3.82	0.00
Quick Ratio	1.06	1.05	0.88	0.93	3.69	0.00
Cash Flow Metrics	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-215	10	-56	-971	-87	0.00
Operating Cash Flow to CapEx	3,039.59%	1,649.91%	-83.88%	-351.99%	212.59%	-156.22%
Free Cash Flow to Firm to Interest Expense	-24.52	2.47	-20.11	-641.26	-672.08	0.00
Operating Cash Flow to Interest Expense	6.30	13.85	-5.48	-12.70	70.94	0.00
Operating Cash Flow Less CapEx to Interest Expense	6.09	13.01	-12.01	-16.31	37.57	0.00
Efficiency Ratios	-	-	-	-	-	-
Asset Turnover	0.37	0.36	0.31	0.29	0.36	0.00
Accounts Receivable Turnover	4.16	4.49	4.69	4.21	3.68	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	7.02	5.83	5.63	6.04	6.82	0.00
Accounts Payable Turnover	16.94	16.14	14.59	12.83	14.70	0.00
Days Sales Outstanding (DSO)	87.68	81.37	77.78	86.66	99.19	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	21.54	22.61	25.01	28.44	24.84	0.00
Cash Conversion Cycle (CCC)	66.14	58.76	52.77	58.22	74.35	0.00
Capital & Investment Metrics	-	-	-	-	-	-
Invested Capital	1,133	931	969	978	58	0.00
Invested Capital Turnover	0.52	0.50	0.42	0.53	7.10	0.00
Increase / (Decrease) in Invested Capital	202	-38	-9.36	921	58	0.00
Enterprise Value (EV)	3,982	3,443	3,121	0.00	0.00	0.00
Market Capitalization	3,938	3,561	3,176	0.00	0.00	0.00
Book Value per Share	$9.41	$9.27	$9.22	$11.04	$4.85	$0.00
Tangible Book Value per Share	($0.73)	$0.84	$0.29	$0.48	$3.93	$0.00
Total Capital	1,264	1,053	1,058	1,071	429	0.00
Total Debt	166	0.00	30	0.00	0.00	0.00
Total Long-Term Debt	166	0.00	30	0.00	0.00	0.00
Net Debt	36	-121	-59	-92	-371	0.00
Capital Expenditures (CapEx)	1.82	3.47	18	5.46	4.34	5.76
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-70	-76	-80	-79	-45	0.00
Debt-free Net Working Capital (DFNWC)	51	36	2.04	9.13	327	0.00
Net Working Capital (NWC)	51	36	2.04	9.13	327	0.00
Net Nonoperating Expense (NNE)	20	16	36	0.17	11	8.02
Net Nonoperating Obligations (NNO)	36	-121	-59	-92	-371	0.00
Total Depreciation and Amortization (D&A)	48	55	43	16	12	7.85
Debt-free, Cash-free Net Working Capital to Revenue	-12.98%	-16.02%	-19.59%	-28.80%	-21.97%	0.00%
Debt-free Net Working Capital to Revenue	9.38%	7.50%	0.50%	3.33%	159.84%	0.00%
Net Working Capital to Revenue	9.38%	7.50%	0.50%	3.33%	159.84%	0.00%
Earnings Adjustments	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.33)	($0.38)	($0.93)	($0.51)	$0.00	$0.00
Adjusted Weighted Average Basic Shares Outstanding	115.16M	112.67M	110.62M	96.72M	0.00	0.00
Adjusted Diluted Earnings per Share	($0.33)	($0.38)	($0.93)	($0.51)	$0.00	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	115.16M	112.67M	110.62M	96.72M	0.00	0.00
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	116.45M	114.22M	111.87M	109.96M	0.00	0.00
Normalized Net Operating Profit after Tax (NOPAT)	-13	-28	-66	-50	-30	-20
Normalized NOPAT Margin	-2.35%	-5.80%	-16.12%	-18.24%	-14.60%	-14.27%
Pre Tax Income Margin	-6.58%	-8.80%	-23.95%	-27.00%	-19.91%	-19.65%
Debt Service Ratios	-	-	-	-	-	-
EBIT to Interest Expense	-3.26	-9.76	-33.98	-47.97	-314.73	0.00
NOPAT to Interest Expense	-1.45	-6.69	-23.44	-32.99	-229.43	0.00
EBIT Less CapEx to Interest Expense	-3.47	-10.60	-40.51	-51.58	-348.10	0.00
NOPAT Less CapEx to Interest Expense	-1.66	-7.53	-29.98	-36.60	-262.80	0.00
Payout Ratios	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	-0.42%	-6.70%	-0.19%

This table displays calculated financial ratios and metrics derived from nCino's official financial filings.

Metric	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023
Period end date	1/31/2025	10/31/2024	7/31/2024	4/30/2024	1/31/2024	10/31/2023	7/31/2023	4/30/2023	1/31/2023	10/31/2022	7/31/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	14.29%	13.82%	12.94%	12.68%	13.29%	15.81%	17.67%	20.66%	45.66%	50.35%	49.77%
EBITDA Growth	-126.72%	82.87%	252.74%	200.59%	219.34%	159.97%	82.73%	112.06%	69.94%	-11.61%	-53.87%
EBIT Growth	-1,036.58%	97.43%	45.86%	53.16%	92.66%	28.70%	44.95%	67.33%	37.98%	-64.54%	-92.67%
NOPAT Growth	-80.16%	93.62%	46.56%	57.54%	86.35%	30.03%	40.84%	68.32%	22.20%	-44.95%	-89.90%
Net Income Growth	-1,233.70%	75.83%	31.44%	80.27%	106.31%	24.15%	41.37%	61.19%	-230.08%	-65.81%	-92.27%
EPS Growth	-1,600.00%	66.67%	28.57%	70.00%	105.26%	28.57%	44.00%	64.29%	-171.43%	-50.00%	-78.57%
Operating Cash Flow Growth	-222.96%	-1.58%	-58.22%	73.92%	137.00%	243.87%	26.32%	2,408.25%	-4.60%	78.61%	-29.01%
Free Cash Flow Firm Growth	-678.38%	-392.47%	-488.46%	-273.53%	611.38%	102.49%	101.78%	102.78%	0.00%	0.00%	0.00%
Invested Capital Growth	21.71%	7.59%	6.66%	4.82%	-3.91%	-3.47%	-2.90%	-3.46%	-0.96%	0.00%	0.00%
Revenue Q/Q Growth	1.85%	4.83%	3.37%	3.55%	1.44%	4.01%	3.14%	4.11%	3.69%	5.69%	5.75%
EBITDA Q/Q Growth	-120.98%	183.77%	-38.23%	-27.35%	43.59%	337.01%	-221.57%	128.85%	27.85%	31.73%	15.10%
EBIT Q/Q Growth	-3,982.40%	94.95%	-75.99%	-213.00%	90.75%	-6.29%	-52.25%	50.97%	10.14%	17.93%	9.67%
NOPAT Q/Q Growth	-596.36%	89.58%	-115.83%	-15.01%	75.32%	12.76%	-71.48%	63.03%	-26.50%	26.24%	8.17%
Net Income Q/Q Growth	-275.17%	62.33%	-379.89%	-267.18%	108.00%	-6.83%	-38.09%	46.52%	3.86%	17.43%	8.60%
EPS Q/Q Growth	-200.00%	50.00%	-233.33%	-400.00%	106.67%	-7.14%	-40.00%	47.37%	9.52%	16.00%	10.71%
Operating Cash Flow Q/Q Growth	-273.43%	15.56%	-90.82%	568.16%	38.81%	-50.94%	-61.78%	242.16%	-439.71%	-143.08%	658.89%
Free Cash Flow Firm Q/Q Growth	-192.05%	-5.03%	-40.52%	-234.20%	47.68%	39.49%	-37.23%	495.47%	99.28%	0.35%	2.00%
Invested Capital Q/Q Growth	14.22%	0.41%	0.41%	5.69%	0.97%	-0.46%	-1.31%	-3.11%	1.43%	0.13%	-1.88%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	59.67%	61.28%	59.27%	60.04%	60.22%	60.62%	59.02%	59.37%	58.85%	59.01%	58.62%
EBITDA Margin	-1.73%	8.38%	3.10%	5.18%	7.38%	5.21%	-2.29%	1.94%	-7.01%	-10.07%	-15.59%
Operating Margin	-4.06%	-0.59%	-5.97%	-2.86%	-2.57%	-10.58%	-12.62%	-7.59%	-21.37%	-17.52%	-25.10%
EBIT Margin	-11.32%	-0.28%	-5.86%	-3.44%	-1.14%	-12.49%	-12.22%	-8.28%	-17.58%	-20.28%	-26.12%
Profit (Net Income) Margin	-11.02%	-2.99%	-8.33%	-1.79%	1.11%	-14.09%	-13.72%	-10.24%	-19.94%	-21.51%	-27.53%
Tax Burden Percent	80.10%	265.64%	118.91%	43.51%	-78.25%	111.58%	110.63%	113.59%	109.63%	103.65%	103.00%
Interest Burden Percent	121.53%	398.72%	119.52%	119.79%	124.72%	101.11%	101.46%	108.95%	103.49%	102.31%	102.33%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Invested Capital (ROIC)	-1.49%	-0.23%	-2.21%	-1.02%	-0.90%	-3.65%	-4.18%	-2.38%	-6.27%	-9.60%	-12.48%
ROIC Less NNEP Spread (ROIC-NNEP)	25.52%	3.17%	3.41%	-1.33%	-4.91%	4.93%	1.70%	4.13%	0.95%	14.59%	9.52%
Return on Net Nonoperating Assets (RNNOA)	-1.02%	-0.31%	-0.32%	0.11%	0.42%	-0.45%	-0.16%	-0.34%	-0.07%	-1.13%	-0.82%
Return on Equity (ROE)	-2.50%	-0.54%	-2.53%	-0.91%	-0.48%	-4.10%	-4.34%	-2.72%	-6.34%	-10.73%	-13.30%
Cash Return on Invested Capital (CROIC)	-20.81%	-8.45%	-8.46%	-7.22%	1.08%	-0.91%	-1.91%	-2.01%	-5.80%	0.00%	0.00%
Operating Return on Assets (OROA)	-4.15%	-0.11%	-2.19%	-1.23%	-0.41%	-4.51%	-4.19%	-2.71%	-5.46%	-5.88%	-6.83%
Return on Assets (ROA)	-4.04%	-1.12%	-3.11%	-0.64%	0.40%	-5.09%	-4.70%	-3.36%	-6.20%	-6.23%	-7.19%
Return on Common Equity (ROCE)	-2.49%	-0.54%	-2.52%	-0.91%	-0.48%	-4.08%	-4.33%	-2.71%	-6.32%	-10.69%	-13.26%
Return on Equity Simple (ROE_SIMPLE)	0.00%	-1.48%	-2.71%	-3.21%	0.00%	-6.48%	-7.02%	-8.14%	0.00%	-8.40%	-7.46%
Net Operating Profit after Tax (NOPAT)	-4.02	-0.58	-5.53	-2.56	-2.23	-9.03	-10	-6.04	-16	-13	-18
NOPAT Margin	-2.84%	-0.42%	-4.18%	-2.00%	-1.80%	-7.41%	-8.83%	-5.31%	-14.96%	-12.26%	-17.57%
Net Nonoperating Expense Percent (NNEP)	-27.01%	-3.39%	-5.62%	0.31%	4.01%	-8.57%	-5.88%	-6.50%	-7.22%	-24.19%	-22.00%
Return On Investment Capital (ROIC_SIMPLE)	-0.32%	-	-	-	-0.21%	-	-	-	-1.55%	-	-
Cost of Revenue to Revenue	40.33%	38.72%	40.73%	39.96%	39.78%	39.38%	40.98%	40.63%	41.15%	40.99%	41.38%
SG&A Expenses to Revenue	17.13%	16.65%	15.40%	17.60%	14.14%	15.86%	18.71%	15.81%	19.14%	17.75%	21.28%
R&D to Revenue	22.73%	23.80%	25.88%	23.41%	24.40%	23.82%	25.49%	24.80%	30.49%	27.99%	29.81%
Operating Expenses to Revenue	63.73%	61.87%	65.24%	62.90%	62.79%	71.20%	71.64%	66.96%	80.22%	76.53%	83.72%
Earnings before Interest and Taxes (EBIT)	-16	-0.39	-7.76	-4.41	-1.41	-15	-14	-9.41	-19	-21	-26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-2.44	12	4.10	6.63	9.13	6.36	-2.68	2.21	-7.65	-11	-16
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.62	3.96	3.51	3.13	3.39	3.08	3.53	2.70	3.10	3.38	3.42
Price to Tangible Book Value (P/TBV)	0.00	83.92	120.33	243.84	37.59	46.43	71.99	67.81	99.82	107.53	103.32
Price to Revenue (P/Rev)	7.28	8.24	7.45	6.78	7.47	6.87	8.15	6.47	7.78	9.33	10.50
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	3.51	4.25	3.73	3.30	3.70	3.32	3.81	2.85	3.22	3.57	3.64
Enterprise Value to Revenue (EV/Rev)	7.37	8.06	7.28	6.62	7.23	6.64	7.93	6.27	7.64	9.12	10.25
Enterprise Value to EBITDA (EV/EBITDA)	199.90	133.83	140.48	167.22	229.35	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	72.14	57.44	50.14	40.42	60.11	113.08	205.62	182.64	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	337.05	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.15	0.15	0.04	0.05	0.00	0.00	0.00	0.01	0.03	0.03	0.00
Long-Term Debt to Equity	0.15	0.15	0.04	0.05	0.00	0.00	0.00	0.00	0.03	0.03	0.00
Financial Leverage	-0.04	-0.10	-0.09	-0.08	-0.09	-0.09	-0.09	-0.08	-0.07	-0.08	-0.09
Leverage Ratio	1.37	1.31	1.28	1.31	1.28	1.24	1.25	1.25	1.25	1.25	1.24
Compound Leverage Factor	1.67	5.22	1.54	1.56	1.60	1.25	1.27	1.37	1.30	1.28	1.27
Debt to Total Capital	13.14%	13.18%	3.57%	4.90%	0.00%	0.00%	0.00%	1.44%	2.84%	2.81%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.44%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	13.14%	13.18%	3.57%	4.90%	0.00%	0.00%	0.00%	0.00%	2.84%	2.81%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.66%	0.42%	0.37%	0.37%	0.33%	0.31%	0.29%	0.31%	0.34%	0.38%	0.31%
Common Equity to Total Capital	86.21%	86.40%	96.06%	94.74%	99.67%	99.69%	99.71%	98.26%	96.82%	96.80%	99.69%
Debt to EBITDA	8.33	5.27	1.53	2.83	0.00	0.00	0.00	-0.48	-0.58	-0.43	0.00
Net Debt to EBITDA	1.80	-3.21	-3.46	-4.31	0.00	0.00	0.00	2.84	1.12	1.15	0.00
Long-Term Debt to EBITDA	8.33	5.27	1.53	2.83	0.00	0.00	0.00	0.00	-0.58	-0.43	0.00
Debt to NOPAT	-13.08	-15.22	-2.07	-2.27	0.00	0.00	0.00	-0.28	-0.46	-0.43	0.00
Net Debt to NOPAT	-2.82	9.28	4.68	3.46	0.00	0.00	0.00	1.70	0.89	1.14	0.00
Long-Term Debt to NOPAT	-13.08	-15.22	-2.07	-2.27	0.00	0.00	0.00	0.00	-0.46	-0.43	0.00
Altman Z-Score	4.61	6.25	6.85	5.61	7.44	8.03	8.00	5.76	6.29	8.13	8.37
Noncontrolling Interest Sharing Ratio	0.54%	0.40%	0.34%	0.35%	0.34%	0.35%	0.30%	0.32%	0.31%	0.40%	0.31%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.20	1.95	1.08	1.07	1.17	1.10	1.01	0.95	1.01	1.06	0.92
Quick Ratio	1.06	1.80	0.95	0.94	1.05	0.94	0.86	0.80	0.88	0.93	0.81
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-206	-71	-67	-48	36	24	17	28	-6.97	-968	-972
Operating Cash Flow to CapEx	-2,862.57%	849.56%	1,125.90%	15,918.71%	1,886.11%	948.30%	1,392.78%	1,950.34%	-494.94%	-88.97%	205.49%
Free Cash Flow to Firm to Interest Expense	-54.28	-42.71	-36.63	-32.39	41.54	28.26	16.57	19.99	-7.28	-1,669.63	-1,540.04
Operating Cash Flow to Interest Expense	-2.64	3.49	2.72	36.86	9.50	6.87	11.46	22.70	-22.99	-7.03	15.01
Operating Cash Flow Less CapEx to Interest Expense	-2.73	3.08	2.48	36.63	8.99	6.15	10.64	21.54	-27.63	-14.94	7.71
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.37	0.38	0.37	0.36	0.36	0.36	0.34	0.33	0.31	0.29	0.26
Accounts Receivable Turnover	4.16	8.23	6.34	6.15	4.49	9.09	5.97	5.55	4.69	9.44	4.96
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	7.02	6.69	6.38	6.09	5.83	5.63	5.75	5.63	5.63	4.48	4.63
Accounts Payable Turnover	16.94	16.88	17.66	14.45	16.14	16.02	18.95	17.62	14.59	14.39	14.81
Days Sales Outstanding (DSO)	87.68	44.33	57.59	59.38	81.37	40.15	61.16	65.72	77.78	38.66	73.63
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	21.54	21.62	20.67	25.27	22.61	22.78	19.26	20.72	25.01	25.37	24.64
Cash Conversion Cycle (CCC)	66.14	22.71	36.92	34.11	58.76	17.37	41.90	45.00	52.77	13.30	48.98
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,133	992	988	984	931	922	927	939	969	955	954
Invested Capital Turnover	0.52	0.55	0.53	0.51	0.50	0.49	0.47	0.45	0.42	0.78	0.71
Increase / (Decrease) in Invested Capital	202	70	62	45	-38	-33	-28	-34	-9.36	955	954
Enterprise Value (EV)	3,982	4,214	3,684	3,251	3,443	3,066	3,530	2,680	3,121	3,413	3,471
Market Capitalization	3,938	4,310	3,770	3,331	3,561	3,173	3,631	2,766	3,176	3,490	3,558
Book Value per Share	$9.41	$9.42	$9.34	$9.31	$9.27	$9.11	$9.16	$9.17	$9.22	$9.31	$9.45
Tangible Book Value per Share	($0.73)	$0.44	$0.27	$0.12	$0.84	$0.61	$0.45	$0.36	$0.29	$0.29	$0.31
Total Capital	1,264	1,260	1,119	1,123	1,053	1,032	1,031	1,044	1,058	1,066	1,044
Total Debt	166	166	40	55	0.00	0.00	0.00	15	30	30	0.00
Total Long-Term Debt	166	166	40	55	0.00	0.00	0.00	0.00	30	30	0.00
Net Debt	36	-101	-91	-84	-121	-110	-105	-90	-59	-80	-90
Capital Expenditures (CapEx)	0.35	0.68	0.44	0.34	0.43	0.62	0.86	1.61	4.45	4.59	4.61
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-70	-88	-104	-115	-76	-83	-97	-95	-80	-96	-101
Debt-free Net Working Capital (DFNWC)	51	170	18	15	36	18	1.07	3.58	2.04	10	-14
Net Working Capital (NWC)	51	170	18	15	36	18	1.07	-11	2.04	10	-14
Net Nonoperating Expense (NNE)	12	3.58	5.49	-0.27	-3.60	8.14	5.72	5.61	5.44	9.73	9.92
Net Nonoperating Obligations (NNO)	36	-101	-91	-84	-121	-110	-105	-90	-59	-80	-90
Total Depreciation and Amortization (D&A)	14	12	12	11	11	22	12	12	12	11	10
Debt-free, Cash-free Net Working Capital to Revenue	-12.98%	-16.86%	-20.48%	-23.34%	-16.02%	-17.87%	-21.76%	-22.11%	-19.59%	-25.75%	-29.67%
Debt-free Net Working Capital to Revenue	9.38%	32.45%	3.51%	3.03%	7.50%	3.87%	0.24%	0.84%	0.50%	2.71%	-4.24%
Net Working Capital to Revenue	9.38%	32.45%	3.51%	3.03%	7.50%	3.87%	0.24%	-2.67%	0.50%	2.71%	-4.24%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.15)	($0.05)	($0.10)	($0.03)	$0.01	($0.15)	($0.14)	($0.10)	($0.19)	($0.21)	($0.25)
Adjusted Weighted Average Basic Shares Outstanding	115.16M	115.61M	115.18M	114.20M	112.67M	112.95M	112.40M	112.03M	110.62M	110.90M	110.39M
Adjusted Diluted Earnings per Share	($0.15)	($0.05)	($0.10)	($0.03)	$0.01	($0.15)	($0.14)	($0.10)	($0.19)	($0.21)	($0.25)
Adjusted Weighted Average Diluted Shares Outstanding	115.16M	115.61M	115.18M	114.20M	112.67M	112.95M	112.40M	112.03M	110.62M	110.90M	110.39M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	116.45M	115.79M	115.56M	115.08M	114.22M	113.13M	112.91M	112.25M	111.87M	111.03M	110.85M
Normalized Net Operating Profit after Tax (NOPAT)	-4.02	-0.58	-5.53	-2.56	-2.23	-9.03	-10	-6.04	-16	-13	-18
Normalized NOPAT Margin	-2.84%	-0.42%	-4.18%	-2.00%	-1.80%	-7.41%	-8.83%	-5.31%	-14.96%	-12.26%	-17.57%
Pre Tax Income Margin	-13.76%	-1.13%	-7.00%	-4.12%	-1.42%	-12.62%	-12.40%	-9.02%	-18.19%	-20.75%	-26.72%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-4.21	-0.24	-4.23	-2.98	-1.64	-17.83	-13.72	-6.82	-20.03	-36.82	-41.24
NOPAT to Interest Expense	-1.06	-0.35	-3.02	-1.74	-2.60	-10.58	-9.92	-4.38	-17.05	-22.26	-27.74
EBIT Less CapEx to Interest Expense	-4.31	-0.65	-4.47	-3.22	-2.14	-18.55	-14.54	-7.99	-24.68	-44.73	-48.54
NOPAT Less CapEx to Interest Expense	-1.15	-0.76	-3.26	-1.97	-3.10	-11.30	-10.74	-5.54	-21.69	-30.17	-35.04
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions About nCino's Financials

When does nCino's fiscal year end?

According to the most recent income statement we have on file, nCino's financial year ends in January. Their financial year 2025 ended on January 31, 2025.

How has nCino's net income changed over the last 5 years?

nCino's net income appears to be on an upward trend, with a most recent value of -$33.05 million in 2025, rising from -$27.74 million in 2020. The previous period was -$43.53 million in 2024. See nCino's forecast for analyst expectations on what’s next for the company.

What is nCino's operating income?

nCino's total operating income in 2025 was -$18.13 million, based on the following breakdown:

Total Gross Profit: $324.79 million
Total Operating Expenses: $342.92 million

How has nCino revenue changed over the last 5 years?

Over the last 5 years, nCino's total revenue changed from $138.18 million in 2020 to $540.66 million in 2025, a change of 291.3%.

How much debt does nCino have?

nCino's total liabilities were at $512.78 million at the end of 2025, a 78.2% increase from 2024, and a 281.4% increase since 2021.

How much cash does nCino have?

In the past 4 years, nCino's cash and equivalents has ranged from $82.04 million in 2023 to $371.43 million in 2021, and is currently $120.93 million as of their latest financial filing in 2025.

How has nCino's book value per share changed over the last 5 years?

Over the last 5 years, nCino's book value per share changed from 0.00 in 2020 to 9.41 in 2025, a change of 940.7%.

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This page (NASDAQ:NCNO) was last updated on 5/29/2025 by MarketBeat.com Staff

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nCino (NCNO) Financials

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