Saturday 17 October 2026 Export NCNO’s income statement to Excel — free account

nCino Inc.

nCino Inc.’s revenue for fiscal 2026 (year ended January 2026) was $594.8 million, up 10.0% from fiscal 2025. In the quarter to July 2026, revenue grew 8.19%, EPS grew 138.5%, free cash flow grew 170.1% and total debt rose 27.6%, each against the same quarter a year earlier. Revenue growth for five consecutive years.

20.51 0.61 −2.89%

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Market cap: $2.2B
P/E: 66.2×
Fwd P/E: 43.6×
Dividend yield: —
F-score: 6/9
Altman Z: 2.49
Beneish M: −2.65
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 8.03

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	5	2	1	5	—	7	7	1	1	6	2	2

Insider Ownership 6.75%

Capital & Financial Ratios $m

Market Cap 2,230.00

Revenue 622.24

Net Income 38.79

Free Cash Flow 132.17

Net Debt 242.64

Current Ratio 0.85

Debt/Equity 0.35

P/E ratio 66.16

Fwd P/E 43.60

P/S ratio 3.46

P/B ratio 2.31

Past 5Y EPS Growth —

This Y EPS Growth 22.35%

Next Y EPS Growth 19.80%

Next Y revenue growth 8.63%

Next 5Y EPS Growth 19.38%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years

P/S against its own 10 years 9.28%

10-year low 10-year high

P/B against its own 10 years 10.10%

10-year low 10-year high

EV/Sales against its own 10 years 9.66%

10-year low 10-year high

EV/FCF against its own 10 years 6.04%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2027	Powerpack
2026	Powerpack
2025	Powerpack
2024	Powerpack
2023	Powerpack
2022	Powerpack
2020	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2024	2025	2026	Q'26
Cash	112	121	88	83
Receivables	113	147	167	122
Inventory	—	—	—	—
Other	11	13	17	17
	251	302	294	243

	2024	2025	2026	Q'26
Payables	12	14	15	15
ST’ Debt	1	2	1	10
Other	—	—	—	—
	215	252	294	287

Compound Annual Growth %

	10y	5y	3y
Sales	—	23.83%	13.36%
Cash Flow	—	57.74%	0.00%
Earnings	—	0.00%	0.00%
Book Value	—	19.95%	1.03%

Revenue $m

	Apr	Jul	Oct	Jan	Year
’26	159	161	—	—	—
’26	144	149	152	150	595
’25	128	132	139	141	541
’24	114	117	122	124	477
’23	94	100	105	109	408
’22	62	67	70	75	274
’21	45	49	54	57	204

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Apr	Jul	Oct	Jan	Year
’26	81	34	—	—	—
’26	54	18	5	13	90
’25	54	5	6	(10)	55
’24	31	12	6	8	57
’23	1	9	(4)	(22)	(15)
’22	8	13	(19)	(21)	(19)
’21	8	23	(11)	(12)	9

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Apr	Jul	Oct	Jan	Year
’26	81	34	—	—	—
’26	53	13	5	12	83
’25	54	4	5	(10)	53
’24	29	11	5	8	53
’23	(3)	5	(9)	(26)	(34)
’22	7	13	(21)	(23)	(25)
’21	7	22	(12)	(13)	5

Fiscal quarters ending in the months shown.

EPS $

	Apr	Jul	Oct	Jan	Year
’26	0.12	0.05	—	—	—
’26	0.05	(0.13)	0.06	0.07	0.05
’25	(0.03)	(0.10)	(0.05)	(0.16)	(0.33)
’24	(0.10)	(0.14)	(0.15)	0.01	(0.38)
’23	(0.28)	(0.25)	(0.21)	(0.19)	(0.93)
’22	(0.16)	(0.14)	(0.14)	(0.07)	(0.51)
’21	(0.06)	(0.17)	(0.10)	(0.12)	(0.35)

Fiscal quarters ending in the months shown.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	—	—	—	66.82	46.94	22.97	19.58	28.09	18.75	13.80	Analyst estimates 2027–2029 Powerpack
	High	—	—	—	103.95	86.48	56.38	34.80	43.20	35.43	25.92
People
People	Employees	—	—	—	934	1,115	1,681	1,791	1,653	1,833	1,684
	Revenue/emp, $m	—	0.00	0.00	0.15	0.18	0.16	0.23	0.29	0.29	0.35
Income, $m
Income, $m	Revenue	—	58	92	138	204	274	408	477	541	595
	Gross margin, %	—	46.52	49.25	53.63	56.86	59.32	58.46	59.82	60.07	60.55
	EBT	—	(19)	(22)	(27)	(41)	(74)	(98)	(42)	(36)	7
	EBT margin, %	—	(31.89)	(24.16)	(19.65)	(19.91)	(27.00)	(23.95)	(8.80)	(6.58)	1.13
	Net income	—	0	(22)	(28)	(41)	(50)	(102)	(44)	(33)	10
	Depreciation	—	1	1	8	12	16	43	55	48	58
Per share, $
Per share, $	Revenue	—	0.65	1.23	1.76	2.33	2.83	3.69	4.23	4.69	5.27
	Earnings	—	(0.21)	(0.30)	(0.35)	(0.35)	(0.51)	(0.93)	(0.38)	(0.33)	0.05
	Cash flow	—	(0.18)	(0.06)	(0.11)	0.11	(0.20)	(0.14)	0.51	0.48	0.80
	Capex	—	0.00	(0.11)	(0.07)	(0.05)	(0.06)	(0.17)	(0.03)	(0.02)	(0.07)
	Free cash flow	—	(0.18)	(0.17)	(0.19)	0.06	(0.26)	(0.31)	0.47	0.46	0.73
	Book value	—	0.87	0.00	2.14	4.85	11.04	9.26	9.31	9.46	9.35
	Shares, m	—	90	75	78	88	97	111	113	115	113
Valuation, ×
Valuation, ×	P/E	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	418.40
	P/S	—	48.81	48.81	48.81	30.84	16.19	7.75	7.44	7.24	3.97
	P/B	—	45.58	45.58	45.58	14.82	4.15	3.09	3.38	3.60	2.24
	EV/Sales	—	48.16	48.16	48.16	29.10	15.99	7.76	7.32	7.43	4.27
	EV/FCF	—	(995.56)	(995.56)	(995.56)	1,217.32	(177.34)	(92.38)	65.27	75.84	30.74
Cash, $m
Cash, $m	Operating cash flow	—	(16)	(5)	(9)	9	(19)	(15)	57	55	90
	Capex	—	(3)	(8)	(6)	(4)	(5)	(19)	(4)	(2)	(8)
	Free cash flow	—	(16)	(13)	(15)	5	(25)	(34)	53	53	83
Balance, $m
Balance, $m	Working capital	—	74	57	69	327	9	2	36	51	(1)
	Total debt	—	—	—	—	16	34	85	54	219	265
	Net debt	—	(81)	(74)	(91)	(355)	(54)	3	(58)	98	176
	Shareholders’ equity	—	78	—	167	425	1,068	1,024	1,049	1,089	1,056
Returns, %
Returns, %	ROA	—	(15.96)	0.00	(22.06)	(9.97)	(5.30)	(7.82)	(3.17)	(2.57)	0.32
	ROIC	—	0.00	0.00	(23.14)	(38.03)	(4.40)	(5.72)	(2.49)	(0.95)	0.19
	ROE	—	(25.81)	(30.98)	(23.66)	(13.68)	(6.62)	(9.82)	(4.08)	(3.54)	0.48

Negative figures in brackets.

All 10 years →

Fiscal years to Jan 2026 · latest quarter Jul 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PLUS ePlus inc.	$2.5B	20.5×	17.6×	+0.99% (above 0%: growing)	−18.18% (below 0%: shrinking)	+175.78% (above 0%: growing)	23.31%	5.98%	Compare
ADEA Adeia Inc.	$2.4B	18.1×	40.6×	+12.11% (above 0%: growing)	+6.67% (above 0%: growing)	+94.36% (above 0%: growing)	100.00%	26.40%	Compare
ASAN Asana, Inc.	$2.4B	— (loss-making)	— (loss-making)	+9.90% (above 0%: growing)	n/m	+390.69% (above 0%: growing)	85.99%	(19.05%)	Compare
BLKB Blackbaud, Inc.	$2.3B	15.9×	9.0×	+3.04% (above 0%: growing)	+46.30% (above 0%: growing)	+46.16% (above 0%: growing)	61.31%	21.34%	Compare
BTDR Bitdeer Technologies Group	$2.3B	— (loss-making)	— (loss-making)	+47.05% (above 0%: growing)	n/m	+5.54% (above 0%: growing)	(3.73%)	(44.47%)	Compare
DBD Diebold Nixdorf, Incorporated	$2.3B	21.5×	—	+1.70% (above 0%: growing)	+36.36% (above 0%: growing)	−327.56% (below 0%: shrinking)	25.74%	6.17%	Compare
NCNO nCino Inc.	$2.2B	66.2×	43.6×	+8.19% (above 0%: growing)	n/m	+170.13% (above 0%: growing)	62.59%	8.46%
VERX Vertex, Inc.	$2.2B	389×	73.1×	+10.52% (above 0%: growing)	n/m	−86.05% (below 0%: shrinking)	64.37%	(2.18%)	Compare
SOUN SoundHound AI, Inc.	$2.2B	— (loss-making)	— (loss-making)	+45.02% (above 0%: growing)	n/m	−49.37% (below 0%: shrinking)	45.12%	(69.95%)	Compare
Median of peers	$2.3B	20.5×	29.1×	+10.21%	+21.51%	+25.85%	53.22%	1.90%

All 237 Software Application stocks →

nCino Inc. (NCNO) key facts

Strength: nCino Inc.’s revenue for fiscal 2026 (year ended January 2026) was $594.8 million, up 10.0% from fiscal 2025.
nCino Inc. (NCNO) is a Software Application company in the Technology sector, listed on Nasdaq.
As of October 16, 2026, NCNO traded at $20.51, a market capitalization of $2.2 billion.
Return on equity was 0.48% and debt-to-equity 0.35.
Its Piotroski F-score is 6 out of 9 and its Altman Z-score is 2.49 (grey zone) for fiscal 2026.

Source: company filings (standardised) and stockrow calculations.