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NCNO Financials Ncino, Inc.

7 years of revenue, profit, cash flow and balance-sheet history through FY2026, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 23.8% per year over the past 5 years.
  • Operating margin has expanded, at 0.6% in the latest year.
  • Free cash flow has grown 76.0% per year over the past 5 years.

Financial health

  • Total debt ($214M) exceeds cash ($88M); net debt is $125M.
  • Operating income covered interest expense 0.2× in the latest year.
  • Total debt is 4.6× EBITDA.
Revenue & net income
-$102M $246M $595M $0 2020 2021 2022 2023 2024 2025 2026
RevenueNet income
Margins (gross / operating / net)
-26% 17% 61% 0% 2020 2021 2022 2023 2024 2025 2026
GrossOperatingNet
Free cash flow (CFO − capex)
-$34M $24M $83M $0 2020 2021 2022 2023 2024 2025 2026
Free cash flow
Cash vs total debt
$0 $186M $371M 2020 2021 2022 2023 2024 2025 2026
CashTotal debt
Cash flow: operating / investing / financing
-$278M -$2M $274M $0 2020 2021 2022 2023 2024 2025 2026
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2026 $595M $10M 60.6% 0.6% $83M $214M $88M
2025 $541M -$33M 60.1% -3.4% $53M $121M
2024 $477M -$44M 59.8% -8.3% $54M $112M
2023 $408M -$102M 58.5% -23.0% -$34M $82M
2022 $274M -$50M 59.3% -26.1% -$25M $88M
2021 $204M -$41M 56.9% -20.9% $5M $371M
2020 $138M -$28M 53.6% -20.4% -$15M $91M

Valuation over time

How the market has priced NCNO against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 100.3 200.6 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 4.8 9.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S

Frequently asked questions

Is NCNO growing its revenue and profit?

Over the past 5 years, Ncino, Inc.'s revenue has grown 23.8% per year. These are computed facts, not advice.

How much debt does NCNO have?

As of FY2026, Ncino, Inc. reported $214M of total debt against $88M of cash; operating income covered interest expense 0.2×.

What is NCNO's profit margin?

In FY2026, gross margin was 60.6%, operating margin 0.6%, and net margin 1.6%.

What is NCNO's P/E ratio?

As of Jun '26, Ncino, Inc. traded at a price-to-earnings ratio of about 162.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.