nCino (NCNO) Financials

$22.25 -0.71 (-3.09%)

Closing price 05/5/2025 04:00 PM Eastern

Extended Trading

$22.48 +0.23 (+1.03%)

As of 05:15 AM 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	2020	2021	2022	2023	2024	2025
Period end date	1/31/2020	1/31/2021	1/31/2022	1/31/2023	1/31/2024	1/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-28	-41	-49	-103	-42	-38
Consolidated Net Income / (Loss)	-28	-41	-50	-102	-44	-33
Net Income / (Loss) Continuing Operations	-28	-41	-50	-102	-44	-33
Total Pre-Tax Income	-27	-41	-74	-98	-42	-36
Total Operating Income	-28	-43	-71	-94	-40	-18
Total Gross Profit	74	116	162	239	285	325
Total Revenue	138	204	274	408	477	541
Operating Revenue	138	204	274	408	477	541
Total Cost of Revenue	64	88	111	170	191	216
Operating Cost of Revenue	64	88	111	170	191	216
Total Operating Expenses	102	159	234	333	325	343
Selling, General & Admin Expense	23	41	72	83	77	90
Marketing Expense	44	60	83	128	131	123
Research & Development Expense	35	58	79	122	117	129
Total Other Income / (Expense), net	1.02	1.92	-2.60	-3.76	-2.42	-17
Interest Expense	0.00	0.13	1.51	2.81	4.14	8.76
Interest & Investment Income	0.99	0.36	0.19	0.40	2.57	1.76
Other Income / (Expense), net	0.03	1.69	-1.28	-1.36	-0.86	-10
Income Tax Expense	0.59	0.59	-24	4.07	1.59	-2.51
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.14	-1.13	-1.57	-1.12	-1.11	-0.47
Other Adjustments to Net Income / (Loss) Attributable to Common Shareholders)	0.00	0.40	0.89	2.00	-0.07	5.30
Basic Earnings per Share	($0.35)	($0.46)	($0.51)	($0.93)	($0.38)	($0.33)
Weighted Average Basic Shares Outstanding	78.32M	87.68M	96.72M	110.62M	112.67M	115.16M
Diluted Earnings per Share	($0.35)	($0.46)	($0.51)	($0.93)	($0.38)	($0.33)
Weighted Average Diluted Shares Outstanding	78.32M	87.68M	96.72M	110.62M	112.67M	115.16M
Weighted Average Basic & Diluted Shares Outstanding	-	-	109.96M	111.87M	114.22M	116.45M

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

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

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

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

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

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

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

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

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

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

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 5/6/2025 by MarketBeat.com Staff

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nCino (NCNO) Financials

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