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nCino, Inc. (NCNO)
Technology · Software - Application · NasdaqGS
nCino, Inc. revenue & earnings — last 7 fiscal years
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | $138.18M | $204.29M | $273.87M | $408.31M | $476.54M | $540.66M | $594.78M |
| Gross profit | $74.11M | $116.16M | $162.45M | $238.71M | $285.07M | $324.79M | $360.17M |
| Net income | $-27.59M | $-40.54M | $-49.45M | $-102.72M | $-42.35M | $-37.88M | $5.18M |
| Net margin | -20.0% | -19.8% | -18.1% | -25.2% | -8.9% | -7.0% | 0.9% |
Source: nCino, Inc. SEC filings (10-K).
What growth is priced into NCNO stock?
At today's market cap of $1.62B, nCino, Inc. is priced for free-cash-flow growth of about 7.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $82.56M from the FY ending 2026-01-31). For comparison, free cash flow actually grew 76%/yr over the last five fiscal years and revenue 23.8%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 7 years of nCino, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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nCino, Inc. financial history by metric
About nCino, Inc.
nCino, Inc., a software-as-a-service company, provides software solutions to financial institutions in the United States, the United Kingdom, and internationally. It offers solutions on the nCino Platform, including an Onboarding solution that streamlines and enhances the customer onboarding process through a digital platform for credit and non-credit onboarding, commercial account opening, and enterprise-level onboarding; and an Account Opening solution, which includes a Deposit Account Opening solution for consumers and small businesses. The company also provides Lending, which provides a loan origination platform for commercial, consumer, small business, and mortgage lending, such as the Commercial Loan Origination System that automates the loan lifecycle; Consumer Lending solution, which offers an omnichannel solution with automated credit decisioning and integrations; and Small Business Loan Origination solution for automation and machine learning. In addition, it offers Credit Monitoring, manages credit risks, monitors performance, and uncovers growth opportunities through a data-driven platform; Portfolio Analytics solution, which offers customizable dashboards to track loan, deposit, and application data; and Integration & Intelligence, provides integration capabilities to connect core banking systems, fintech applications, and third-party services via open APIs and a partner marketplace. The company serves global, enterprise, regional, and community banks, credit unions, challenger banks, and independent mortgage banks, business development managers, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.
nCino, Inc. — frequently asked questions
What is nCino, Inc.'s revenue?
nCino, Inc. (NCNO) reported revenue of $594.78M for fiscal year 2026, up 10.0% from the prior year, according to its SEC filings.
Is nCino, Inc. profitable?
Yes. NCNO earned net income of $5.18M in fiscal 2026, a net margin of 0.9%.
What is NCNO's P/E ratio?
nCino, Inc. trades at a price-to-earnings ratio of about 123.6 based on the latest data in our nightly-refreshed cache.
How fast is nCino, Inc. growing?
NCNO's revenue grew at roughly 23.8% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does nCino, Inc. have?
As of fiscal year 2026, NCNO carried roughly $213.50M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is nCino, Inc.'s gross margin?
NCNO's gross margin was 60.6% in fiscal 2026 — gross profit of $360.17M on revenue of $594.78M.
What is nCino, Inc.'s market cap?
nCino, Inc. (NCNO) has a market capitalization of about $1.62B, based on the latest data in our nightly-refreshed cache.
When does nCino, Inc.'s fiscal year end?
NCNO's fiscal year ends in January. Its most recent annual filing covers the fiscal year ending 2026-01-31.
What growth is priced into NCNO stock?
At today's market cap of $1.62B, nCino, Inc. is priced for free-cash-flow growth of about 7.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $82.56M from the FY ending 2026-01-31). For comparison, free cash flow actually grew 76%/yr over the last five fiscal years and revenue 23.8%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from nCino, Inc.'s official SEC filings (10-K and 10-Q), covering 7 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.