Financial Overview

Latest Annual: 2025

Income Metrics

Revenue 540.7M
Gross Profit 324.8M 60.07%
Operating Income -18.1M -3.35%
Net Income -33.0M -6.11%
EPS (Diluted) -$0.33

Balance Sheet Metrics

Total Assets 1.6B
Total Liabilities 512.8M
Shareholders Equity 1.1B
Debt to Equity 0.47

Cash Flow Metrics

Operating Cash Flow 43.3M
Free Cash Flow 53.4M

Revenue & Profitability Trend

nCino Income Statement From 2021 to 2025

Metric20252024202320222021
Revenue540.7M476.5M408.3M273.9M204.3M
Cost of Goods Sold215.9M191.5M169.6M111.4M88.1M
Gross Profit324.8M285.1M238.7M162.5M116.2M
Operating Expenses342.9M324.6M332.7M233.8M158.8M
Operating Income-18.1M-39.5M-94.0M-71.4M-42.6M
Pre-tax Income-35.6M-41.9M-97.8M-74.0M-40.7M
Income Tax-2.5M1.6M4.1M-23.8M586.0K
Net Income-33.0M-43.5M-101.8M-50.1M-41.3M
EPS (Diluted)-$0.33-$0.38-$0.93-$0.51-$0.46

Income Statement Trend

nCino Balance Sheet From 2021 to 2025

Metric20252024202320222021
Assets
Current Assets302.2M250.8M207.2M183.5M442.2M
Non-Current Assets1.3B1.1B1.1B1.1B121.2M
Total Assets1.6B1.3B1.3B1.3B563.4M
Liabilities
Current Liabilities251.5M215.0M205.2M174.4M115.7M
Non-Current Liabilities261.3M72.8M94.4M56.1M18.7M
Total Liabilities512.8M287.8M299.6M230.5M134.4M
Equity
Total Shareholders Equity1.1B1.1B1.0B1.1B429.0M

Balance Sheet Composition

nCino Cash Flow Statement From 2021 to 2025

Metric20252024202320222021
Operating Activities
Net Income-33.0M-43.5M-101.8M-50.1M-41.3M
Operating Cash Flow43.3M59.8M-13.1M-26.0M7.4M
Investing Activities
Capital Expenditures-1.8M-3.5M-18.3M-5.5M-4.3M
Investing Cash Flow-219.2M-6.3M-20.7M-278.5M-4.3M
Financing Activities
Dividends Paid-----
Financing Cash Flow163.2M-30.2M28.5M-528.0K265.4M
Free Cash Flow53.4M53.8M-33.7M-24.7M4.9M

Cash Flow Trend

nCino Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) -88.33
Forward P/E 33.89
Price to Book 3.16
Price to Sales 6.14
PEG Ratio 33.89

Profitability Ratios

Profit Margin -5.27%
Operating Margin -0.12%
Return on Equity -2.30%
Return on Assets -0.29%

Financial Health

Current Ratio 1.05
Debt to Equity 25.75
Beta 0.76

Per Share Data

EPS (TTM) -$0.25
Book Value per Share $9.34
Revenue per Share $4.83

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
ncno3.4B-88.333.16-2.30%-5.27%25.75
Salesforce 262.0B42.884.3310.31%16.08%19.81
Intuit 218.0B63.6910.8417.84%19.07%0.35
Qxo 14.5B21.671.941.44%65.40%0.01
Descartes Systems 8.8B61.936.0410.66%21.67%0.55
Altair Engineering 9.6B699.0611.171.81%2.13%30.23

Financial data is updated regularly. All figures are in the company's reporting currency.