NCNO on Nasdaq

nCino, Inc.

American prepackaged software services company based in Wilmington. Summary from the record

Price unavailable

Last updated Oct 19, 2026.

Overview

$594.8MRevenue, fiscal 20262
$5.2MNet income, fiscal 20262

Compare with Anaplan, EverCommerce Inc. or Intapp, Inc., or pick any stock.

  • TickerNCNO on Nasdaq1
  • IndustryServices-Prepackaged Software1
  • HeadquartersWilmington, North Carolina1
  • Incorporated inDE3
  • Business address6770 Parker Farm Drive, Wilmington, Nc 284053
  • Filer categoryLarge accelerated filer3
  • Legal formCorporation

As employees at financial institutions (“FIs”) do their daily work and serve their clients, they often face inefficiencies from disparate systems, broken workflows, manual processes, and the inability to utilize their data effectively. This negatively impacts risk management, decision making, and the experiences of bankers and their clients. FIs need a unified platform that helps them reengineer every experience, from managing complex credit portfolios to streamlining account onboarding and loan origination.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

60.6%Gross margin2
0.6%Operating margin2
0.9%Net margin2
10.0%Revenue growth, 20262
0.5%Return on equity2
$82.6MFree cash flow2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

License and Service brought in 88% of the revenue nCino, Inc. broke down this way in fiscal 2026.

  1. License and Service$523.1M288%up 12% from 2025
  2. Professional Services$71.6M212%up 0% from 2025
Products and services by year
Products and services202420252026
License and Service$409.5M$469.2M$523.1M
Professional Services$67.1M$71.5M$71.6M

Regions

United States brought in 78% of the revenue nCino, Inc. broke down this way in fiscal 2026.

  1. United States$463.3M278%up 9% from 2025
  2. United Kingdoms$72.8M212%up 29% from 2025
  3. Other Geographic Regions$58.8M210%down 2% from 2025
Regions by year
Regions202420252026
United States$387.2M$424.4M$463.3M
United Kingdoms$41.9M$56.5M$72.8M
Other Geographic Regions$47.4M$59.7M$58.8M

Where the money goes

Where each dollar of revenue went, fiscal 2026

  • Cost of revenue39¢$234.6M
  • Research and development21¢$127.5M
  • Other costs38¢$224.5M
  • Income tax1¢$3.0M
  • Profit1¢$5.2M

Out of $594.8M in revenue.2

Where each dollar of operating cash went, fiscal 2026

  • Capital spending6¢$7.5M
  • Share buybacks94¢$125.1M

Out of $90.1M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.2

Financial statements

Revenue56782$594.8M in 2026+330% since 2020
0$200.0M$400.0M$600.0M2020: $138.2M$138.2M20202021: $204.3M$204.3M2021+48%2022: $273.9M$273.9M2022+34%2023: $408.3M$408.3M2023+49%2024: $476.5M$476.5M2024+17%2025: $540.7M$540.7M2025+13%2026: $594.8M$594.8M2026+10%
Gross profit56782$360.2M in 2026+386% since 2020
0$100.0M$200.0M$300.0M$400.0M2020: $74.1M$74.1M20202021: $116.2M$116.2M2021+57%2022: $162.5M$162.5M2022+40%2023: $238.7M$238.7M2023+47%2024: $285.1M$285.1M2024+19%2025: $324.8M$324.8M2025+14%2026: $360.2M$360.2M2026+11%
Operating income56782$3.7M in 2026
-$100.0M-$75.0M-$50.0M-$25.0M0$25.0M2020: -$28.2M-$28.2M20202021: -$42.6M-$42.6M2021+51%2022: -$71.4M-$71.4M2022+67%2023: -$94.0M-$94.0M2023+32%2024: -$39.5M-$39.5M2024−58%2025: -$18.1M-$18.1M2025−54%2026: $3.7M$3.7M2026
Net income56782$5.2M in 2026
-$150.0M-$100.0M-$50.0M0$50.0M2020: -$27.6M-$27.6M20202021: -$40.5M-$40.5M2021+47%2022: -$49.4M-$49.4M2022+22%2023: -$102.7M-$102.7M2023+108%2024: -$42.3M-$42.3M2024−59%2025: -$37.9M-$37.9M2025−11%2026: $5.2M$5.2M2026

Every line of the income statement as filed: the last 3 fiscal years, latest first.2

Period ending2026-01-312025-01-312024-01-31
Total revenues$594.8M$540.7M$476.5M
Total cost of revenues$234.6M$215.9M$191.5M
Gross profit$360.2M$324.8M$285.1M
Sales and marketing$136.6M$123.2M$130.5M
Research and development$127.5M$129.4M$117.3M
General and administrative$92.4M$90.3M$76.7M
Total operating expenses$356.4M$342.9M$324.6M
Income (loss) from operations$3.7M-$18.1M-$39.5M
Interest income$1.4M$1.8M$2.6M
Interest expense-$17.5M-$8.8M-$4.1M
Other income (expense), net$19.0M-$10.4M-$856.0K
Income (loss) before income taxes$6.7M-$35.6M-$41.9M
Income tax provision (benefit)-$3.0M-$2.5M$1.6M
Net income (loss)$9.7M-$33.0M-$43.5M
Net income (loss) attributable to redeemable non-controlling interest (Note 2)$141.0K-$472.0K-$1.1M
Adjustment attributable to redeemable non-controlling interest (Note 2)$4.4M$5.3M-$71.0K
Net income (loss) attributable to nCino, Inc.$5.2M-$37.9M-$42.3M
Basic (in USD per share)$0.05-$0.33-$0.38
Diluted (in USD per share)$0.05-$0.33-$0.38
Basic (in shares)112.9M shares115.2M shares112.7M shares
Diluted (in shares)114.3M shares115.2M shares112.7M shares

Compare nCino, Inc. with another company

Leadership

Who has led nCino, Inc., and when. Pick a name to see everywhere that person has worked.

Board members and other officers (18)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • DirectorJon Doyle named Jan 21, 202233

Timeline

  1. Feb 6, 2025New chief executive Sean Desmond becomes CEO11
  2. Jan 11, 2022New chief executive Pierre Naude becomes CEO12

Filings

743 filings to the SEC since October 2021: 5 annual reports, 14 quarterly reports, 46 major events, 373 insider forms, 44 large holders, 1 private raises, 260 other. The latest 20:

  1. Oct 14, 20264 EDGAR
  2. Oct 9, 2026144 EDGAR
  3. Oct 7, 20264 EDGAR
  4. Oct 5, 2026144 EDGAR
  5. Sep 17, 20264 EDGAR
  6. Sep 15, 2026144 EDGAR
  7. Sep 8, 20264 EDGAR
  8. Sep 3, 2026144 EDGAR
  9. Aug 31, 20264 EDGAR
  10. Aug 27, 2026144 EDGAR
  11. Aug 25, 202610-Q EDGAR
  12. Aug 25, 20268-K EDGAR
  13. Aug 13, 2026SCHEDULE 13G EDGAR
  14. Aug 13, 2026SCHEDULE 13G/A EDGAR
  15. Aug 6, 20264 EDGAR
  16. Aug 6, 20264 EDGAR
  17. Aug 6, 20264 EDGAR
  18. Aug 6, 20264 EDGAR
  19. Aug 6, 20264 EDGAR
  20. Aug 5, 2026144 EDGAR

The 743 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

354 open-market trades by officers, directors and large owners since October 2021: 0 buys and 354 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 15, 2026Rieger AprilChief Lgl. & Admin Ofc., SecSale6,098$21.98$134.0KForm 4
Sep 3, 2026Desmond SeanCEO & PresidentSale8,064$23.66$190.8KForm 4
Aug 27, 2026Sellers JeanetteSVP of AccountingSale690$22.71$15.7KForm 4
Aug 5, 2026Sellers JeanetteSVP of AccountingSale1,536$19.53$30.0KForm 4
Aug 5, 2026Desmond SeanCEO & PresidentSale11,815$19.53$230.7KForm 4
Aug 4, 2026Sellers JeanetteSVP of AccountingSale887$19.22$17.0KForm 4
Aug 4, 2026Rieger AprilChief Lgl. & Admin Ofc., SecSale7,852$19.22$150.9KForm 4
Aug 4, 2026Orenstein GregoryCFO & TreasurerSale11,780$19.22$226.4KForm 4
Aug 4, 2026Naude PierreDirectorSale4,677$19.22$89.9KForm 4
Aug 4, 2026Desmond SeanCEO & PresidentSale28,675$19.22$551.1KForm 4
Jul 6, 2026Desmond SeanCEO & PresidentSale8,064$17.47$140.9KForm 4
Jun 3, 2026Desmond SeanCEO & PresidentSale8,064$16.26$131.1KForm 4
May 5, 2026Sellers JeanetteSVP of AccountingSale3,695$18.04$66.7KForm 4
May 5, 2026Desmond SeanCEO & PresidentSale16,589$18.04$299.3KForm 4
May 4, 2026Sellers JeanetteSVP of AccountingSale1,486$18.02$26.8KForm 4
May 4, 2026Rieger AprilChief Lgl. & Admin Ofc., SecSale9,693$18.02$174.7KForm 4
May 4, 2026Orenstein GregoryCFO & TreasurerSale14,650$18.02$264.0KForm 4
May 4, 2026Naude PierreDirectorSale35,650$18.02$642.4KForm 4
May 4, 2026Desmond SeanCEO & PresidentSale22,073$18.02$397.8KForm 4
Apr 14, 2026Sellers JeanetteSVP of AccountingSale1,873$17.55$32.9KForm 4

All 354 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Jan 7, 2022Raised $925.6 million in a private offering of equity Form D: 17 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.9,020,898$147.5M0.0%+3,380,716
Vanguard Portfolio Management LLC7,826,876$128.0M0.0%+868,196
Senvest Management, LLC7,326,196$119.8M3.5%+2,017,728
Aqr Capital Management LLC7,102,050$112.4M0.0%+4,650,098
Bank Of America Corp /de/5,157,098$84.3M0.0%+4,163,297
American Capital Management Inc5,107,539$83.5M3.7%+2,732,143
HMI Capital Management, L.P.4,990,713$81.6M11.9%−1,787,315
Bank Of Montreal /can/4,710,565$77.0M0.0%+3,044,243
Vanguard Capital Management LLC4,462,308$73.0M0.0%−257,628
Clearbridge Investments, LLC3,913,634$64.0M0.1%+1,799,930
Lead Edge Capital Management, LLC3,662,570$59.9M10.9%+1,975,090
Long Path Partners LP3,639,442$59.5M25.4%−780,503
Wellington Management Group Llp3,014,228$49.3M0.0%New
State Street Corp2,906,920$47.5M0.0%+845,554
Geode Capital Management, LLC2,709,930$44.3M0.0%+791,409
Dimensional Fund Advisors LP2,700,449$44.1M0.0%+351,643
Kayne Anderson Rudnick Investment Management LLC2,521,806$41.2M0.1%−2,618,850
Algebris (uk) Ltd2,414,440$39.4M2.6%+335,054
Conestoga Capital Advisors, LLC2,120,465$34.7M0.8%−603,889
Bamco Inc /ny/1,867,719$30.5M0.0%−182,354
Arrowstreet Capital, Limited Partnership1,670,309$27.3M0.0%+1,056,539
Jpmorgan Chase & Co1,465,666$23.2M0.0%−90,297
Franklin Resources Inc1,342,453$21.9M0.0%+159,313
Ameriprise Financial Inc1,275,574$20.9M0.0%+1,153,591
Quantinno Capital Management LP1,265,637$20.7M0.0%+957,343

13F reports cover disclosed long positions in U.S. stocks only.

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37
  38. 38
  39. 39
  40. 40
  41. 41
  42. 42
  43. 43
  44. 44
  45. 45
  46. 46