---
title: "nCino (NCNO.US) — Financial Reports"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/NCNO.US/norm.md"
symbol: "NCNO.US"
name: "nCino"
parent: "https://longbridge.com/en/quote/NCNO.US.md"
datetime: "2026-05-20T16:21:01.922Z"
locales:
  - [en](https://longbridge.com/en/quote/NCNO.US/norm.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/NCNO.US/norm.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/NCNO.US/norm.md)
---

# nCino (NCNO.US) — Financial Reports

## Income Statement (USD)

| Indicator | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 |
| --- | --- | --- | --- | --- | --- |
| EPS | 0.0733 | 0.0572 | -0.1324 | 0.0485 | -0.1607 |
| ROE | 3.18% | 2.49% | -5.73% | 2.06% | -6.84% |
| Revenue | 149.67M | 152.16M | 148.81M | 144.14M | 141.37M |
| Net income | 8.34M | 6.54M | -15.26M | 5.56M | -18.61M |
| Operating income | 2.37M | 12.39M | 2.15M | 7.99M | -6.75M |
| Gross margin | 61.41% | 61.57% | 60.04% | 59.97% | 59.67% |
| Net margin | 5.57% | 4.30% | -10.25% | 3.86% | -13.16% |
| Profit quality | 18.29% | 244.39% | 12.14% | 14.70% | - |

## Balance Sheet (USD)

| Indicator | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 |
| --- | --- | --- | --- | --- | --- |
| A&L | 1.65B | 1.56B | 1.62B | 1.65B | 1.61B |
| Leverage | 1.54 | 1.48 | 1.51 | 1.53 | 1.47 |
| BVPS | 9.27 | 9.10 | 9.15 | 9.30 | 9.39 |
| Turnover | 0.3651 | 0.3811 | 0.3790 | 0.3621 | 0.3664 |
| Cash & STI | 88.37M | 87.59M | 122.94M | 133.23M | 120.93M |
| Inv & Rec | - | - | - | - | - |
| LT assets | 88.29M | 89.26M | 90.37M | 92.85M | 90.98M |
| Net debt | 190.32M | 181.78M | 146.55M | 145.12M | 115.90M |

## Cash Flow Statement (USD)

| Indicator | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 |
| --- | --- | --- | --- | --- | --- |
| Operating CF | 12.94M | 5.07M | 17.74M | 54.32M | -10.02M |
| Investing CF | -461000.00 | -174000.00 | -5.15M | -48.30M | -126.42M |
| Financing CF | -13.22M | -39.63M | -22.43M | 2.25M | 2.04M |
| Free CF | 40.33M | 10.25M | 26.12M | 83.52M | 9.14M |
| OCF coverage | 1522.12% | 852.27% | 167.92% | 87.43% | -1361.28% |
| Repaid & issued | 10.00M | 0.0000 | 0.0000 | 102.50M | 0.0000 |
| CapEx | -461000.00 | -174000.00 | -5.15M | -1.72M | -350000.00 |