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nCino, Inc.

NCNO Clue Score61
United States Fiscal year ends January CIK 0001902733
$19.73 +0.25% Close, 9 Oct 2026
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Price $19.73 −71.18% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 14 Jul 2020. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2020Revenue138.2Operating income−28.2Net income−27.6EPS, diluted−0.35Fiscal year 2021Revenue204.3 +47.8%Operating income−42.6Net income−40.5EPS, diluted−0.46Fiscal year 2022Revenue273.9 +34.1%Operating income−71.4Net income−49.4EPS, diluted−0.51Fiscal year 2023Revenue408.3 +49.1%Operating income−94.0Net income−102.7EPS, diluted−0.93Fiscal year 2024Revenue476.5 +16.7%Operating income−39.5Net income−42.3EPS, diluted−0.38Fiscal year 2025Revenue540.7 +13.5%Operating income−18.1Net income−37.9EPS, diluted−0.33Fiscal year 2026Revenue594.8 +10.0%Operating income3.7Net income5.2EPS, diluted0.05
FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Revenue 138.2 204.3 273.9 408.3 476.5 540.7 594.8
Growth +47.8% +34.1% +49.1% +16.7% +13.5% +10.0%
Operating income −28.2 −42.6 −71.4 −94.0 −39.5 −18.1 3.7
Net income −27.6 −40.5 −49.4 −102.7 −42.3 −37.9 5.2
Growth
EPS, diluted −0.35 −0.46 −0.51 −0.93 −0.38 −0.33 0.05
Growth

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2020Gross margin53.6%Operating margin−20.4%Net margin−20.0%Free cash flow margin−10.7%Fiscal year 2021Gross margin56.9%Operating margin−20.9%Net margin−19.8%Free cash flow margin2.4%Fiscal year 2022Gross margin59.3%Operating margin−26.1%Net margin−18.1%Free cash flow margin−9.0%Fiscal year 2023Gross margin58.5%Operating margin−23.0%Net margin−25.2%Free cash flow margin−8.3%Fiscal year 2024Gross margin59.8%Operating margin−8.3%Net margin−8.9%Free cash flow margin11.3%Fiscal year 2025Gross margin60.1%Operating margin−3.4%Net margin−7.0%Free cash flow margin9.9%Fiscal year 2026Gross margin60.6%Operating margin0.6%Net margin0.9%Free cash flow margin13.9%
FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Gross margin 53.6% 56.9% 59.3% 58.5% 59.8% 60.1% 60.6%
Operating margin −20.4% −20.9% −26.1% −23.0% −8.3% −3.4% 0.6%
Net margin −20.0% −19.8% −18.1% −25.2% −8.9% −7.0% 0.9%
Free cash flow margin −10.7% 2.4% −9.0% −8.3% 11.3% 9.9% 13.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2020Operating cash flow−9.0Capital expenditure−5.8Free cash flow−14.8Fiscal year 2021Operating cash flow9.2Capital expenditure−4.3Free cash flow4.9Fiscal year 2022Operating cash flow−19.2Capital expenditure−5.5Free cash flow−24.7 −605.6%Fiscal year 2023Operating cash flow−15.4Capital expenditure−18.3Free cash flow−33.7Fiscal year 2024Operating cash flow57.3Capital expenditure−3.5Free cash flow53.8Buybacks0.0Fiscal year 2025Operating cash flow55.2Capital expenditure−1.8Free cash flow53.4 −0.7%Buybacks0.0Fiscal year 2026Operating cash flow90.1Capital expenditure−7.5Free cash flow82.6 +54.7%Buybacks−125.1
FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Operating cash flow −9.0 9.2 −19.2 −15.4 57.3 55.2 90.1
Capital expenditure −5.8 −4.3 −5.5 −18.3 −3.5 −1.8 −7.5
Free cash flow −14.8 4.9 −24.7 −33.7 53.8 53.4 82.6
Growth −605.6% −0.7% +54.7%
Buybacks n/a n/a n/a n/a 0.0 0.0 −125.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2020Cash91.2Shareholders’ equity167.3Fiscal year 2021Cash371.4Shareholders’ equity425.2Fiscal year 2022Cash88.0Shareholders’ equity1,067.6Fiscal year 2023Cash82.0Shareholders’ equity1,024.1Fiscal year 2024Cash112.1Shareholders’ equity1,049.2Fiscal year 2025Cash120.9Shareholders’ equity1,089.3Fiscal year 2026Cash88.4Total debt213.5Net cash (debt)−125.1Shareholders’ equity1,055.9Debt to equity0.20
FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Cash 91.2 371.4 88.0 82.0 112.1 120.9 88.4
Total debt n/a n/a n/a n/a n/a n/a 213.5
Net cash (debt) n/a n/a n/a n/a n/a n/a −125.1
Shareholders’ equity 167.3 425.2 1,067.6 1,024.1 1,049.2 1,089.3 1,055.9
Debt to equity n/a n/a n/a n/a n/a n/a 0.20

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2026 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending January, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2020 31 Jan 2020 FY2021 31 Jan 2021 FY2022 31 Jan 2022 FY2023 31 Jan 2023 FY2024 31 Jan 2024 FY2025 31 Jan 2025 FY2026 31 Jan 2026
Revenue and profit
138.2 204.3 273.9 408.3 476.5 540.7 594.8
Growth +47.8% +34.1% +49.1% +16.7% +13.5% +10.0%
64.1 88.1 111.4 169.6 191.5 215.9 234.6
74.1 116.2 162.5 238.7 285.1 324.8 360.2
Growth +56.7% +39.9% +46.9% +19.4% +13.9% +10.9%
35.3 58.3 79.4 121.6 117.3 129.4 127.5
22.5 40.8 71.5 83.5 76.7 90.3 92.4
−28.2 −42.6 −71.4 −94.0 −39.5 −18.1 3.7
Growth
−27.1 −40.7 −74.0 −97.8 −41.9 −35.6 6.7
0.6 0.6 −23.8 4.1 1.6 −2.5 −3.0
−27.6 −40.5 −49.4 −102.7 −42.3 −37.9 5.2
Growth
Per share
−0.35 −0.46 −0.51 −0.93 −0.38 −0.33 0.05
−0.35 −0.46 −0.51 −0.93 −0.38 −0.33 0.05
Growth
78.3 87.7 96.7 110.6 112.7 115.2 112.9
78.3 87.7 96.7 110.6 112.7 115.2 114.3
Growth +12.0% +10.3% +14.4% +1.9% +2.2% −0.7%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 23.8% a year over five years.
  • The diluted share count rose 30.4% in five years, which is dilution.
  • Operating margin is up 21.5 points on five years ago, at 0.6%.
  • A net loss in 6 of 7 years on file.