SequelSEC

nCino, Inc. NCNO

Services-Prepackaged Software · CIK 0001902733 · Fiscal year ends 0131

AnnualQuarterlyTTM
Revenue
$622.24M
Fiscal year ended 2026-07-31
Operating income
$49.27M
Fiscal year ended 2026-07-31
Free cash flow
$132.17M
Fiscal year ended 2026-07-31

Valuation, from the filing

Public float$2.10BMarket value of stock held by non-affiliates, as stated on the cover page for 2025-07-31
Float per share$18.34Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself.
Float / net income405.4×A lower bound on the multiple, because affiliate holdings are excluded.
Float / revenue3.5×A lower bound on the multiple, because affiliate holdings are excluded.
Float / equity2.0×A lower bound on the multiple, because affiliate holdings are excluded.

Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-07-31, not today, and each multiple below it uses the figures for the fiscal year ending 2026-01-31 — the year that filing covered.

How this compares in its industry

Percentile among the Services-Prepackaged Software filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.

MeasureReportedPercentile
Effective tax rate-44.7%8th
Current ratio1.00x31th
Long-term debt / equity0.20x32th
Gross margin60.6%33th
CapEx / revenue1.3%62th
Operating margin0.6%62th
Net margin0.9%62th
R&D / revenue21.4%46th
Revenue YoY growth10.0%46th
SBC / revenue12.4%54th
FCF margin13.9%47th

nCino, Inc. (NCNO) reported revenue of $622.24M and net income of $33.60M for the fiscal year ended 2026-07-31. This page shows 1 annual period of income statement, balance sheet and cash flow figures normalized from nCino, Inc.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Services-Prepackaged Software.

Income

nCino, Inc. income by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-07-31
Revenue$622.24M
Cost of revenue$234.93M
Gross profit$387.31M
Operating income$49.27M
Net income$33.60M
Research & development$119.42M
Weighted-average diluted sharesUnavailable
Pretax incomeUnavailable
Income tax expense-$5.53M
Diluted EPSUnavailable
Selling, general & administrative$218.63M
General & administrative$81.63M
Selling & marketing$137.00M

Balance

nCino, Inc. balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-07-31
Cash & equivalents$83.29M
Total assets$1.57B
Current assets$242.90M
Total liabilities$626.52M
Current liabilities$286.76M
Total equity incl. NCI$929.83M
Temporary (mezzanine) equity$15.40M
InventoryUnavailable
Accounts receivable$122.36M
Goodwill$1.08B
Long-term debt$265.56M
Accounts payable$14.84M

Cash flow

nCino, Inc. cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-07-31
Operating cash flow$133.61M
Capital expenditures$1.44M
Investing cash flow-$1.44M
Financing cash flow-$172.15M
Net change in cash-$39.62M
Stock-based compensation$71.36M
Common dividends paidUnavailable
Common share repurchases$240.16M
Depreciation & amortization$40.99M

Derived

nCino, Inc. derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2026-07-31
Free cash flow$132.17M
Gross margin62.2%
Operating margin7.9%
FCF margin21.2%
SBC / revenue11.5%
Current ratio0.85x
Revenue YoY growth8.6%
Net margin5.4%
R&D / revenue19.2%
CapEx / revenue0.2%
Long-term debt / equity0.29x
Effective tax rateUnavailable

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open NCNO in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-08-25View SEC filing
10-Q · Filed 2026-05-27View SEC filing
10-K · Filed 2026-03-31View SEC filing
10-Q · Filed 2025-12-03View SEC filing
10-Q · Filed 2025-08-26View SEC filing
10-Q · Filed 2025-05-28View SEC filing

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Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.