Overview
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- 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
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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.5 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.
Products and services by year
| Products and services | 2024 | 2025 | 2026 |
|---|---|---|---|
| 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.
Regions by year
| Regions | 2024 | 2025 | 2026 |
|---|---|---|---|
| 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
Every line of the income statement as filed: the last 3 fiscal years, latest first.2
| Period ending | 2026-01-31 | 2025-01-31 | 2024-01-31 |
|---|---|---|---|
| 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 shares | 115.2M shares | 112.7M shares |
| Diluted (in shares) | 114.3M shares | 115.2M shares | 112.7M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.2
| Period ending | 2026-01-31 | 2025-01-31 | 2024-01-31 | 2023-01-31 |
|---|---|---|---|---|
| Cash and cash equivalents (VIE: $2,254 and $3,421 at January 31, 2025 and 2026, respectively) | $88.4M | $120.9M | $112.1M | |
| Accounts receivable, less allowances of $1,229 and $2,825 at January 31, 2025 and 2026, respectively | $166.5M | $146.8M | ||
| Costs capitalized to obtain revenue contracts, current portion, net | $17.2M | $13.5M | ||
| Prepaid expenses and other current assets | $21.4M | $21.1M | ||
| Total current assets | $293.5M | $302.2M | ||
| Property and equipment, net | $75.6M | $75.0M | ||
| Operating lease right-of-use assets, net | $12.7M | $16.0M | ||
| Costs capitalized to obtain revenue contracts, noncurrent, net | $30.7M | $23.7M | ||
| Goodwill | $1.1B | $1.0B | $838.9M | |
| Intangible assets, net | $135.7M | $154.6M | ||
| Investments (related party $2,500 and $0 at January 31, 2025 and 2026, respectively) | $7.3M | $9.3M | ||
| Long-term prepaid expenses and other assets | $14.7M | $10.2M | ||
| Total assets | $1.6B | $1.6B | ||
| Accounts payable | $14.5M | $13.6M | ||
| Accrued expenses and other current liabilities | $64.4M | $39.9M | ||
| Deferred revenue | $210.6M | $191.2M | ||
| Financing obligations, current portion | $818.0K | $1.7M | ||
| Operating lease liabilities, current portion | $4.2M | $5.2M | ||
| Total current liabilities | $294.5M | $251.5M | ||
| Operating lease liabilities, noncurrent | $9.7M | $12.8M | ||
| Deferred income taxes, noncurrent | $7.0M | $13.9M | ||
| Deferred revenue, noncurrent | $170.0K | $269.0K | ||
| Revolving credit facility, noncurrent | $213.5M | $166.0M | ||
| Financing obligations, noncurrent | $50.4M | $51.2M | ||
| Other long-term liabilities | $4.1M | $17.2M | ||
| Total liabilities | $579.5M | $512.8M | ||
| Redeemable non-controlling interest (Note 2) | $12.7M | $8.3M | $3.4M | $3.6M |
| Preferred stock, $0.001 par value; 10,000,000 shares authorized, and none issued and outstanding as of January 31, 2025 and 2026 | $0 | $0 | ||
| Common stock, $0.0005 par value; 500,000,000 shares authorized as of January 31, 2025 and 2026; 115,996,852 and 118,868,921 shares issued; 115,996,852 and 113,904,867 outstanding as of January 31, 2025 and 2026, respectively | $59.0K | $58.0K | ||
| Treasury stock, at cost; 0 and 4,964,054 shares at January 31, 2025 and January 31, 2026, respectively | -$125.6M | $0 | ||
| Additional paid-in capital | $1.6B | $1.5B | ||
| Accumulated other comprehensive income | $7.0M | $176.0K | ||
| Accumulated deficit | -$375.8M | -$385.3M | ||
| Total stockholders equity | $1.1B | $1.1B | $1.0B | $1.0B |
| Total liabilities, redeemable non-controlling interest, and stockholders equity | $1.6B | $1.6B | ||
| Allowance for doubtful accounts | $2.8M | $1.2M | ||
| Preferred stock, par value (in USD per share) | $0.00 | $0.00 | ||
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | ||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | ||
| Common stock, par value (in USD per share) | $0.00 | $0.00 | ||
| Common stock, shares authorized (in shares) | 500.0M shares | 500.0M shares | ||
| Common stock, shares, issued (in shares) | 118.9M shares | 116.0M shares | ||
| Common stock, shares outstanding (in shares) | 113.9M shares | 116.0M shares | ||
| Treasury stock, at cost (in shares) | 5.0M shares | 0 shares |
| Period ending | 2026-01-31 | 2025-01-31 | 2024-01-31 | 2023-01-31 |
|---|---|---|---|---|
| Cash and cash equivalents (VIE: $2,254 and $3,421 at January 31, 2025 and 2026, respectively) | $88.4M | $120.9M | $112.1M | |
| Accounts receivable, less allowances of $1,229 and $2,825 at January 31, 2025 and 2026, respectively | $166.5M | $146.8M | ||
| Costs capitalized to obtain revenue contracts, current portion, net | $17.2M | $13.5M | ||
| Prepaid expenses and other current assets | $21.4M | $21.1M | ||
| Total current assets | $293.5M | $302.2M | ||
| Property and equipment, net | $75.6M | $75.0M | ||
| Operating lease right-of-use assets, net | $12.7M | $16.0M | ||
| Costs capitalized to obtain revenue contracts, noncurrent, net | $30.7M | $23.7M | ||
| Goodwill | $1.1B | $1.0B | $838.9M | |
| Intangible assets, net | $135.7M | $154.6M | ||
| Investments (related party $2,500 and $0 at January 31, 2025 and 2026, respectively) | $7.3M | $9.3M | ||
| Long-term prepaid expenses and other assets | $14.7M | $10.2M | ||
| Total assets | $1.6B | $1.6B | ||
| Accounts payable | $14.5M | $13.6M | ||
| Accrued expenses and other current liabilities | $64.4M | $39.9M | ||
| Deferred revenue | $210.6M | $191.2M | ||
| Financing obligations, current portion | $818.0K | $1.7M | ||
| Operating lease liabilities, current portion | $4.2M | $5.2M | ||
| Total current liabilities | $294.5M | $251.5M | ||
| Operating lease liabilities, noncurrent | $9.7M | $12.8M | ||
| Deferred income taxes, noncurrent | $7.0M | $13.9M | ||
| Deferred revenue, noncurrent | $170.0K | $269.0K | ||
| Revolving credit facility, noncurrent | $213.5M | $166.0M | ||
| Financing obligations, noncurrent | $50.4M | $51.2M | ||
| Other long-term liabilities | $4.1M | $17.2M | ||
| Total liabilities | $579.5M | $512.8M | ||
| Redeemable non-controlling interest (Note 2) | $12.7M | $8.3M | $3.4M | $3.6M |
| Preferred stock, $0.001 par value; 10,000,000 shares authorized, and none issued and outstanding as of January 31, 2025 and 2026 | $0 | $0 | ||
| Common stock, $0.0005 par value; 500,000,000 shares authorized as of January 31, 2025 and 2026; 115,996,852 and 118,868,921 shares issued; 115,996,852 and 113,904,867 outstanding as of January 31, 2025 and 2026, respectively | $59.0K | $58.0K | ||
| Treasury stock, at cost; 0 and 4,964,054 shares at January 31, 2025 and January 31, 2026, respectively | -$125.6M | $0 | ||
| Additional paid-in capital | $1.6B | $1.5B | ||
| Accumulated other comprehensive income | $7.0M | $176.0K | ||
| Accumulated deficit | -$375.8M | -$385.3M | ||
| Total stockholders equity | $1.1B | $1.1B | $1.0B | $1.0B |
| Total liabilities, redeemable non-controlling interest, and stockholders equity | $1.6B | $1.6B | ||
| Allowance for doubtful accounts | $2.8M | $1.2M | ||
| Preferred stock, par value (in USD per share) | $0.00 | $0.00 | ||
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | ||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | ||
| Common stock, par value (in USD per share) | $0.00 | $0.00 | ||
| Common stock, shares authorized (in shares) | 500.0M shares | 500.0M shares | ||
| Common stock, shares, issued (in shares) | 118.9M shares | 116.0M shares | ||
| Common stock, shares outstanding (in shares) | 113.9M shares | 116.0M shares | ||
| Treasury stock, at cost (in shares) | 5.0M shares | 0 shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.2
| Period ending | 2026-01-31 | 2025-01-31 | 2024-01-31 |
|---|---|---|---|
| Net income (loss) attributable to nCino, Inc. | $5.2M | -$37.9M | -$42.3M |
| Net income (loss) attributable to redeemable non-controlling interest | $4.5M | $4.8M | -$1.2M |
| Net income (loss) | $9.7M | -$33.0M | -$43.5M |
| Depreciation and amortization | $42.3M | $36.3M | $45.3M |
| Non-cash operating lease costs | $4.0M | $5.0M | $4.5M |
| Amortization of costs capitalized to obtain revenue contracts | $15.1M | $12.0M | $9.9M |
| Amortization of debt issuance costs | $287.0K | $131.0K | $184.0K |
| Stock-based compensation | $73.9M | $71.6M | $58.0M |
| Change in fair value of contingent consideration | $1.6M | $0 | $0 |
| Deferred income taxes | -$6.2M | -$7.1M | -$2.3M |
| Provision for bad debt | $1.7M | $85.0K | $1.1M |
| Net foreign currency (gains) losses | -$16.3M | $8.7M | $670.0K |
| Gains on investments | -$1.7M | $0 | -$263.0K |
| Loss on disposal of long-lived assets | $463.0K | $35.0K | $150.0K |
| Accounts receivable | -$16.2M | -$31.4M | -$14.3M |
| Costs capitalized to obtain revenue contracts | -$25.1M | -$21.5M | -$10.3M |
| Prepaid expenses and other assets | $182.0K | -$7.1M | $1.9M |
| Accounts payable | $1.1M | -$190.0K | $525.0K |
| Accrued expenses and other current liabilities | -$2.1M | $10.2M | -$6.0M |
| Deferred revenue | $10.9M | $13.8M | $15.9M |
| Operating lease liabilities | -$4.1M | -$3.8M | -$4.1M |
| Other long-term liabilities | $582.0K | $1.4M | $0 |
| Net cash provided by operating activities | $90.1M | $55.2M | $57.3M |
| Acquisition of business, net of cash acquired | -$50.3M | -$216.9M | $0 |
| Acquisition of assets | $0 | -$450.0K | -$356.0K |
| Purchases of property and equipment | -$7.5M | -$1.8M | -$3.5M |
| Proceeds from sale of property and equipment | $0 | $0 | $43.0K |
| Purchase of investments | $0 | $0 | -$2.5M |
| Sale of investment | $3.7M | $0 | $0 |
| Net cash used in investing activities | -$54.1M | -$219.2M | -$6.3M |
| Investment from redeemable non-controlling interest | $0 | $0 | $983.0K |
| Repurchases of common stock | -$125.1M | $0 | $0 |
| Proceeds from borrowings on revolving credit facility | $112.5M | $241.0M | $0 |
| Payments on revolving credit facility | -$65.0M | -$75.0M | -$30.0M |
| Payments of debt issuance costs | $0 | -$1.5M | $0 |
| Exercise of stock options | $2.0M | $2.8M | $4.5M |
| Stock issuance under the employee stock purchase plan | $4.2M | $4.5M | $4.7M |
| Principal payments on financing obligations | -$1.6M | -$1.3M | -$1.2M |
| Net cash provided by (used in) financing activities | -$73.0M | $170.5M | -$21.1M |
| Effect of foreign currency exchange rate changes on cash, cash equivalents, and restricted cash | $4.5M | -$2.7M | $182.0K |
| Net increase (decrease) in cash, cash equivalents, and restricted cash | -$32.6M | $3.8M | $30.0M |
| Cash paid for interest | $16.0M | $8.7M | $4.3M |
| Fair value of contingent consideration in connection with business acquisition in accrued expenses and other current liabilities | $8.1M | $0 | $0 |
| Measurement period adjustment relating to business acquisitions | $10.0M | $0 | $0 |
| Noncash consideration for settlement of preexisting contract | $1.4M | $0 | $0 |
| Accrued purchase price related to acquisitions | $0 | $13.2M | $0 |
| Excise tax on repurchases of common stock | $503.0K | $0 | $0 |
No quarter-by-quarter statement was filed.
Corporate structure
nCino, Inc. sits at the top of its group. 16 entities, 11 countries on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of nCino, Inc.
- AQR CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on nCino, Inc., latest Aug 13, 2026
- Senvest Management, LLC Filed SCHEDULE 13G/A on nCino, Inc., latest Aug 13, 2026 (2 filings since May 6, 2026)
- VANGUARD PORTFOLIO MANAGEMENT LLC Filed SCHEDULE 13G/A on nCino, Inc., latest Jul 31, 2026 (2 filings since Apr 29, 2026)
- BlackRock Filed SCHEDULE 13G on nCino, Inc., latest Jul 29, 2026
- HMI Capital Management, L.P. Filed SCHEDULE 13D/A on nCino, Inc., latest Jun 30, 2026 (6 filings since Feb 14, 2022)
- Capital International Investors Filed SCHEDULE 13G/A on nCino, Inc., latest May 14, 2026 (2 filings since Aug 13, 2025)
- KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC Filed SCHEDULE 13G/A on nCino, Inc., latest May 14, 2026 (3 filings since Feb 13, 2024)
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on nCino, Inc., latest Mar 27, 2026 (8 filings since Feb 10, 2022)
- WASATCH ADVISORS LP Filed SCHEDULE 13G/A on nCino, Inc., latest Nov 12, 2025 (2 filings since Feb 11, 2025)
- Insight Venture Partners X, L.P. Filed SCHEDULE 13D/A on nCino, Inc., latest Dec 20, 2024 (14 filings since Jan 18, 2022)
- Dragoneer Investment Group, LLC Filed SC 13G/A on nCino, Inc., latest Feb 14, 2024
- STAD MARC Filed SC 13G on nCino, Inc., latest Feb 14, 2023
- nCino, Inc. Wilmington, North Carolina
- Artesian Solutions Ltd Subsidiary · United Kingdom
- DueDil Ltd Subsidiary · United Kingdom
- FinSuite Pty Ltd Subsidiary · Australia
- FullCircl Ltd Subsidiary · United Kingdom
- nCino APAC Pty Ltd Subsidiary · Australia
- nCino Canada, Inc. Subsidiary · Canada
- nCino France Subsidiary · France
- nCino Germany GmbH Subsidiary · Germany
- nCino Global Ltd Subsidiary · United Kingdom
- nCino K.K. Subsidiary · Japan
- nCino New Zealand Limited Subsidiary · New Zealand
- nCino South Africa (Pty) Ltd. Subsidiary · South Africa
- nCino Spain S.L. Subsidiary · Spain
- nCino Sweden AB Subsidiary · Sweden
- W2 Global Data Solutions Ltd Subsidiary · United Kingdom
Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What nCino, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $105.4M2 Jan 31, 2026 | $104.0M2 Jan 31, 2025 | +1.4% |
| Accumulated depreciation | $29.8M2 Jan 31, 2026 | $29.0M2 Jan 31, 2025 | +2.8% |
| Property and equipment, net | $75.6M2 Jan 31, 2026 | $75.0M2 Jan 31, 2025 | +0.9% |
| Operating-lease assets (leased space) | $12.7M2 Jan 31, 2026 | $16.0M2 Jan 31, 2025 | −20.8% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $88.4M2 Jan 31, 2026 | $120.9M2 Jan 31, 2025 | −26.9% |
| Long-term investments | $7.3M2 Jan 31, 2026 | $9.3M2 Jan 31, 2025 | −21.9% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $1.1B2 Jan 31, 2026 | $1.0B2 Jan 31, 2025 | +5.7% |
| Finite-lived intangibles, gross | $257.2M2 Jan 31, 2026 | $239.2M2 Jan 31, 2025 | +7.5% |
| Accumulated amortization | $121.6M2 Jan 31, 2026 | $84.6M2 Jan 31, 2025 | +43.7% |
| Finite-lived intangibles, net | $135.7M2 Jan 31, 2026 | $154.6M2 Jan 31, 2025 | −12.2% |
Properties, in its own words
Our headquarters are located in Wilmington, North Carolina where we lease facilities encompassing approximately 180,000 square feet plus a 648-space parking deck. These leases expire in October 2039, each with options to extend and a purchase option that expires if not exercised on or before November 30, 2028. We have additional domestic offices in the U.S. and international offices in the United Kingdom, Australia, Canada, Japan, Spain, New Zealand and South Africa. All of our offices are leased, and we do not own any real property.
We believe our facilities are adequate for our current needs. We believe that we will be able to obtain additional space on commercially reasonable terms.
Item 2 of the 10-K filed Mar 31, 2026.5
Leadership
Who has led nCino, Inc., and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
2025
- Chief executive officerSean Desmond Feb 6, 2025 to now12
- Chief executive officerPierre Naude Jan 11, 2022 to Jun 13, 202413
- PresidentSean Desmond Apr 4, 2025 to now14
- PresidentJoshua L. Glover Jan 11, 2022 to Apr 10, 202415
- Chief financial officerGregory Orenstein Feb 6, 2023 to now16
- Chief financial officerDavid Rudow Jan 11, 2022 to Nov 4, 202217
Board members and other officers (18)
- Chief Revenue OfficerKeith Kettell Apr 8, 2026 to now18
- Chief Corp Dev & Strat OfficerGregory Orenstein Jan 11, 2022 to Aug 4, 202219
- VP of AccountingJeanette Sellers Jan 11, 2022 to now20
- Chief Customer Success OfficerSean Desmond Jan 11, 2022 to Nov 8, 202421
- Executive VP, GC & SecretaryApril Rieger May 20, 2022 to now22
- Chief Product OfficerMatthew Royce Hansen Aug 3, 2022 to Jan 11, 202423
- Board memberSean Desmond Feb 6, 2025 to now12
- Board memberJustin C. Nyweide Feb 13, 2025 to now24
- Board memberDiego German Dugatkin Dec 9, 2025 to now25
- Board memberAndrew Hideki Yasutake Dec 15, 2025 to now26
- Board memberJeff Horing Jan 11, 2022 to now27
- Board memberJeffrey W. Lunsford Jan 11, 2022 to Jun 9, 202228
- Board memberPamela Kilday Jan 11, 2022 to now29
- Board memberPierre Naude Jan 11, 2022 to now13
- Board memberSpencer Lake Jan 11, 2022 to now30
- Board memberSteven A. Collins Jan 11, 2022 to Dec 17, 202431
- Board memberWilliam J. Ruh Jan 11, 2022 to now32
- Board memberWilliam R. Spruill Dec 1, 2022 to now33
Named in SEC Form D filings
People the company listed in its private-offering notices.
- DirectorJon Doyle named Jan 21, 202234
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- Artesian Solutions Ltd United Kingdom4
- DueDil Ltd United Kingdom4
- FinSuite Pty Ltd Australia4
- FullCircl Ltd United Kingdom4
- W2 Global Data Solutions Ltd United Kingdom4
- nCino APAC Pty Ltd Australia4
- nCino Canada, Inc. Canada4
- nCino France France4
- nCino Germany GmbH Germany4
- nCino Global Ltd United Kingdom4
- nCino K.K. Japan4
- nCino New Zealand Limited New Zealand4
- nCino South Africa (Pty) Ltd. South Africa4
- nCino Spain S.L. Spain4
- nCino Sweden AB Sweden4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Aug 25, 20268-K Results of operations; Other events35
- Jun 22, 20268-K Bylaws or fiscal year changed; Shareholder vote36
- May 27, 20268-K Results of operations37
- Mar 31, 20268-K Entered a material agreement; Results of operations; Regulation FD disclosure38
- Dec 8, 20258-K Other events39
- Dec 3, 20258-K Results of operations; Executive or director change; Regulation FD disclosure40
- Aug 26, 20258-K Results of operations41
- Jun 20, 20258-K Bylaws or fiscal year changed; Shareholder vote42
- May 28, 20258-K Results of operations43
- May 27, 20258-K Exit or restructuring costs44
- May 20, 20258-K Completed an acquisition or sale45
- May 20, 20258-K Results of operations; Regulation FD disclosure46
- Feb 6, 2025New chief executive Sean Desmond becomes CEO12
- Jan 11, 2022New chief executive Pierre Naude becomes CEO13
Calendar
Coming up
- Dec 2, 2026Reports results for the quarter ending Oct/2026 A year earlier it reported $0.17 a share, on Dec 3, 2025.47
When it reported results
- Aug 25, 2026Reported quarterly or annual results35
- May 27, 2026Reported quarterly or annual results37
- Mar 31, 2026Reported quarterly or annual results38
- Dec 3, 2025Reported quarterly or annual results40
- Aug 26, 2025Reported quarterly or annual results41
- May 28, 2025Reported quarterly or annual results43
- May 20, 2025Reported quarterly or annual results46
- Apr 1, 2025Reported quarterly or annual results48
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
744 filings to the SEC since October 2021: 5 annual reports, 14 quarterly reports, 46 major events, 373 insider forms, 45 large holders, 1 private raises, 260 other. The latest 20:
- Oct 14, 20264 EDGAR
- Oct 9, 2026144 EDGAR
- Oct 7, 20264 EDGAR
- Oct 5, 2026144 EDGAR
- Sep 17, 20264 EDGAR
- Sep 15, 2026144 EDGAR
- Sep 8, 20264 EDGAR
- Sep 3, 2026144 EDGAR
- Aug 31, 20264 EDGAR
- Aug 27, 2026144 EDGAR
- Aug 25, 202610-Q EDGAR
- Aug 25, 20268-K EDGAR
- Aug 13, 2026SCHEDULE 13G EDGAR
- Aug 13, 2026SCHEDULE 13G/A EDGAR
- Aug 6, 20264 EDGAR
- Aug 6, 20264 EDGAR
- Aug 6, 20264 EDGAR
- Aug 6, 20264 EDGAR
- Aug 6, 20264 EDGAR
- Aug 5, 2026144 EDGAR
The 744 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.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 15, 2026 | Rieger AprilChief Lgl. & Admin Ofc., Sec | Sale | 6,098 | $21.98 | $134.0K | Form 4 |
| Sep 3, 2026 | Desmond SeanCEO & President | Sale | 8,064 | $23.66 | $190.8K | Form 4 |
| Aug 27, 2026 | Sellers JeanetteSVP of Accounting | Sale | 690 | $22.71 | $15.7K | Form 4 |
| Aug 5, 2026 | Sellers JeanetteSVP of Accounting | Sale | 1,536 | $19.53 | $30.0K | Form 4 |
| Aug 5, 2026 | Desmond SeanCEO & President | Sale | 11,815 | $19.53 | $230.7K | Form 4 |
| Aug 4, 2026 | Sellers JeanetteSVP of Accounting | Sale | 887 | $19.22 | $17.0K | Form 4 |
| Aug 4, 2026 | Rieger AprilChief Lgl. & Admin Ofc., Sec | Sale | 7,852 | $19.22 | $150.9K | Form 4 |
| Aug 4, 2026 | Orenstein GregoryCFO & Treasurer | Sale | 11,780 | $19.22 | $226.4K | Form 4 |
| Aug 4, 2026 | Naude PierreDirector | Sale | 4,677 | $19.22 | $89.9K | Form 4 |
| Aug 4, 2026 | Desmond SeanCEO & President | Sale | 28,675 | $19.22 | $551.1K | Form 4 |
| Jul 6, 2026 | Desmond SeanCEO & President | Sale | 8,064 | $17.47 | $140.9K | Form 4 |
| Jun 3, 2026 | Desmond SeanCEO & President | Sale | 8,064 | $16.26 | $131.1K | Form 4 |
| May 5, 2026 | Sellers JeanetteSVP of Accounting | Sale | 3,695 | $18.04 | $66.7K | Form 4 |
| May 5, 2026 | Desmond SeanCEO & President | Sale | 16,589 | $18.04 | $299.3K | Form 4 |
| May 4, 2026 | Sellers JeanetteSVP of Accounting | Sale | 1,486 | $18.02 | $26.8K | Form 4 |
| May 4, 2026 | Rieger AprilChief Lgl. & Admin Ofc., Sec | Sale | 9,693 | $18.02 | $174.7K | Form 4 |
| May 4, 2026 | Orenstein GregoryCFO & Treasurer | Sale | 14,650 | $18.02 | $264.0K | Form 4 |
| May 4, 2026 | Naude PierreDirector | Sale | 35,650 | $18.02 | $642.4K | Form 4 |
| May 4, 2026 | Desmond SeanCEO & President | Sale | 22,073 | $18.02 | $397.8K | Form 4 |
| Apr 14, 2026 | Sellers JeanetteSVP of Accounting | Sale | 1,873 | $17.55 | $32.9K | Form 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.
- AQR CAPITAL MANAGEMENT LLCSCHEDULE 13G, 1 filing Aug 13, 202649
- Senvest Management, LLCSCHEDULE 13G/A, 2 filings May 6, 2026 to Aug 13, 202650
- VANGUARD PORTFOLIO MANAGEMENT LLCSCHEDULE 13G/A, 2 filings Apr 29, 2026 to Jul 31, 202651
- BlackRockSCHEDULE 13G, 1 filing Jul 29, 202652
- HMI Capital Management, L.P.SCHEDULE 13D/A, 6 filings Feb 14, 2022 to Jun 30, 202653
- Capital International InvestorsSCHEDULE 13G/A, 2 filings Aug 13, 2025 to May 14, 202654
- KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLCSCHEDULE 13G/A, 3 filings Feb 13, 2024 to May 14, 202655
- VANGUARD GROUP INCSCHEDULE 13G/A, 8 filings Feb 10, 2022 to Mar 27, 202656
- WASATCH ADVISORS LPSCHEDULE 13G/A, 2 filings Feb 11, 2025 to Nov 12, 202557
- Insight Venture Partners X, L.P.SCHEDULE 13D/A, 14 filings Jan 18, 2022 to Dec 20, 202458
- Dragoneer Investment Group, LLCSC 13G/A, 1 filing Feb 14, 202459
- STAD MARCSC 13G, 1 filing Feb 14, 202360
- PRICE T ROWE ASSOCIATES INC /MD/SC 13G/A, 1 filing Feb 14, 202261
- SalesforceSC 13G/A, 1 filing Feb 11, 202262
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2026 | Sean Desmond, | 53 | $500.0K | $9.1M63 |
| 2026 | Greg Orenstein, | 56 | $414.4K | $4.2M63 |
| 2026 | April Rieger, | 46 | $383.0K | $3.2M63 |
| 2026 | Pierre Naudé, | 67 | $260.0K | $563 |
| 2025 | Executive Chairman | $512.5K | $8.5M63 | |
| 2025 | Chief Financial Officer & Treasurer | $364.2K | $3.5M63 | |
| 2025 | Chief Executive Officer & President | $361.4K | $3.1M63 | |
| 2025 | Chief Legal & Administrative Officer & Secretary | $337.0K | $2.4M63 | |
| 2024 | Executive Chairman | $498.0K | $7.8M63 | |
| 2024 | Chief Financial Officer & Treasurer | $343.1K | $2.8M63 | |
| 2024 | Chief Executive Officer & President | $328.0K | $2.7M63 | |
| 2024 | Chief Legal & Administrative Officer & Secretary | $325.0K | $2.0M63 |
Money raised
Private offerings the company reported to the SEC on Form D.
- 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.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| BlackRock, Inc. | 9,020,898 | $147.5M | 0.0% | +3,380,716 |
| Vanguard Portfolio Management LLC | 7,826,876 | $128.0M | 0.0% | +868,196 |
| Senvest Management, LLC | 7,326,196 | $119.8M | 3.5% | +2,017,728 |
| Aqr Capital Management LLC | 7,102,050 | $112.4M | 0.0% | +4,650,098 |
| Bank Of America Corp /de/ | 5,157,098 | $84.3M | 0.0% | +4,163,297 |
| American Capital Management Inc | 5,107,539 | $83.5M | 3.7% | +2,732,143 |
| HMI Capital Management, L.P. | 4,990,713 | $81.6M | 11.9% | −1,787,315 |
| Bank Of Montreal /can/ | 4,710,565 | $77.0M | 0.0% | +3,044,243 |
| Vanguard Capital Management LLC | 4,462,308 | $73.0M | 0.0% | −257,628 |
| Clearbridge Investments, LLC | 3,913,634 | $64.0M | 0.1% | +1,799,930 |
| Lead Edge Capital Management, LLC | 3,662,570 | $59.9M | 10.9% | +1,975,090 |
| Long Path Partners LP | 3,639,442 | $59.5M | 25.4% | −780,503 |
| Wellington Management Group Llp | 3,014,228 | $49.3M | 0.0% | New |
| State Street Corp | 2,906,920 | $47.5M | 0.0% | +845,554 |
| Geode Capital Management, LLC | 2,709,930 | $44.3M | 0.0% | +791,409 |
| Dimensional Fund Advisors LP | 2,700,449 | $44.1M | 0.0% | +351,643 |
| Kayne Anderson Rudnick Investment Management LLC | 2,521,806 | $41.2M | 0.1% | −2,618,850 |
| Algebris (uk) Ltd | 2,414,440 | $39.4M | 2.6% | +335,054 |
| Conestoga Capital Advisors, LLC | 2,120,465 | $34.7M | 0.8% | −603,889 |
| Bamco Inc /ny/ | 1,867,719 | $30.5M | 0.0% | −182,354 |
| Arrowstreet Capital, Limited Partnership | 1,670,309 | $27.3M | 0.0% | +1,056,539 |
| Jpmorgan Chase & Co | 1,465,666 | $23.2M | 0.0% | −90,297 |
| Franklin Resources Inc | 1,342,453 | $21.9M | 0.0% | +159,313 |
| Ameriprise Financial Inc | 1,275,574 | $20.9M | 0.0% | +1,153,591 |
| Quantinno Capital Management LP | 1,265,637 | $20.7M | 0.0% | +957,343 |
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How nCino, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARnCino, Inc.1
- CIK0001902733
- Employer ID (EIN)87-41543425
- Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
- Incorporated inDelaware5
- Fiscal year endsJanuary 311
- Industry code (SIC)7372 Services-Prepackaged Software1
- SEC reviewing officeOffice of Technology, Division of Corporation Finance1
- Business address6770 Parker Farm Drive, Wilmington, NC 284051
- Phone910-275-54911
- Shares outstanding105,736,174 as of Aug 20, 202611
- Public float$2.1B as of Jul 31, 20255
- AuditorErnst & Young LLP, Raleigh, North Carolina PCAOB ID 42; it also attests to the company’s internal control over financial reporting5
- On EDGAR sinceJan 10, 20221
- Filings744 in all: 4 (346), 144 (231), 8-K (42), 3 (23), 10-Q (14), SC 13D/A (12), SC 13G/A (11), SCHEDULE 13G/A (8)1
All 26 form types
DEFA14A (6), SCHEDULE 13G (6), 10-K (5), DEF 14A (5), S-8 (5), 4/A (4), ARS (4), 8-K/A (3), PRE 14A (3), SC 13G (3), SCHEDULE 13D/A (3), 144/A (2), S-8 POS (2), SC 13D (2), 8-K12B (1), D (1), DEFR14A (1), S-3ASR (1)
- Latest filingsAnnual report (10-K) Mar 31, 2026
Quarterly report (10-Q) Aug 25, 2026
Proxy statement (DEF 14A) May 8, 2026
Latest 8-K (8-K) Aug 25, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common stock, par value $0.0005 per share | NCNO | The Nasdaq Global Select Market |
From the cover page of the 10-K filed Mar 31, 2026 (Section 12(b) of the Exchange Act).5
Risk factors and legal proceedings
The risks nCino, Inc. names in Item 1A of its 10-K filed Mar 31, 2026: 48 risks under these headings, as written.5
- Risks Relating to Our Business and Industry
- Our growth strategy increasingly depends on the adoption and effective use of our AI capabilities by our customers, and if customer adoption rates or usage do not meet our expectations, our business, results of operations, and competitive position could be adversely affected.
- Our increased focus on the development and use of AI/ML technologies in our solutions and our business, as well as our potential failure to effectively implement, use, and market these technologies, may result in reputational harm or liability, or could otherwise adversely affect our business.
- The markets in which we participate are intensely competitive and highly fragmented, and pricing pressure, rapidly evolving technologies, including the increasing adoption of AI/ML offerings by our competitors, or other competitive dynamics could adversely affect our business and results of operations.
- We derive most of our revenues from customers in the cloud-based financial services industry, and any downturn or consolidation or decrease in technology spend in the cloud-based financial services industry could adversely affect our business.
- Our future operating results are difficult to predict, in part because we do not have an extensive operating history at the current scale of our business, and we may not achieve our expected operating results in the future.
- We have a history of losses, and while we have achieved profitability, we may not be able to sustain profitability on a GAAP basis in the future.
- If we are unable to attract new customers or continue to broaden our existing customers’ use of our solutions, our revenue growth will be adversely affected.
- If we fail to accurately anticipate and respond to rapid technological changes in the cloud-based financial services industry in which we operate, including AI/ML developments, our ability to attract and retain customers could be impaired and our competitive position could be harmed.
- We may not be able to sustain or increase our revenue growth rate in the future.
- Our quarterly results may fluctuate significantly and may not fully reflect the underlying performance of our business.
- The failure to attract and retain additional qualified personnel could prevent us from executing our business strategy.
The other 37 risks
- We may not accurately predict the long-term rate of customer subscription renewals or adoption of our solutions, or any resulting impact on our revenues or operating results.
- Because we recognize subscription revenues over the term of the contract, downturns or upturns in our business may not be reflected in our results of operations until future periods.
- Our business faces significant risks from diverse and evolving cybersecurity threats, including increased threats from the use of AI/ML. A breach of our security or privacy measures or those we rely on could result in unauthorized access to, or disclosure of, customer or their clients’ data, which may materially and adversely impact our reputation, business, and results of operations.
- Privacy and data security concerns, data collection and transfer restrictions and related domestic or foreign regulations may limit the use and adoption of our solutions and adversely affect our business and results of operations.
- Fundamental elements of the nCino Platform are built on the Salesforce Platform and we rely on our agreement with Salesforce to provide this solution to our customers.
- We depend on data centers operated by or on behalf of Salesforce, AWS, and other third parties, and any disruption in the operation of these facilities could adversely affect our business and subject us to liability.
- Our customers are highly regulated. Our failure to comply with laws and regulations applicable to us as a technology provider to FIs could adversely affect our business and results of operations, increase costs, and impose constraints on the way we conduct our business.
- We have and may continue to acquire or invest in companies, pursue business partnerships or divest products or assets, which may divert our management’s attention or result in dilution to our stockholders, and we may be unable to integrate
- acquired businesses and technologies successfully or achieve the expected benefits of such acquisitions, investments, partnerships, or divestitures.
- Any legal proceedings against us could adversely affect our operations and prospects, damage our reputation, and be costly and time-consuming to defend.
- Our corporate culture has contributed to our success, and if we cannot maintain it as we grow, we could lose the innovation, creativity and teamwork fostered by our culture, and our business may be adversely affected.
- We may encounter implementation challenges, including in situations in which we rely on SIs, which would materially and adversely affect our business and results of operations.
- We have experienced rapid growth, and if we fail to manage our growth effectively, we may be unable to execute our business plan, maintain high levels of service and customer satisfaction, or adequately address competitive challenges, any of which may materially and adversely affect our business and results of operations.
- Defects, errors, or other performance problems in our solutions could harm our reputation, result in significant costs to us, impair our ability to sell our solutions, and subject us to substantial liability.
- We leverage third-party software, content, and services for use with our solutions. Performance issues, errors and defects, or failure to successfully integrate or license necessary third-party software, content, or services, could cause delays, errors, or failures of our solutions, increases in our expenses, and reductions in our sales, which could materially and adversely affect our business and results of operations.
- We may fail to successfully expand internationally. In addition, sales to customers outside the U.S. or with international operations expose us to risks inherent in international sales, which may include a marked increase in expenses.
- Failure to effectively expand our sales capabilities could harm our ability to increase our customer base.
- If we fail to provide effective customer training on our solutions and high-quality customer support, our business and reputation would suffer.
- If we are unable to effectively integrate our solutions with other systems used by our customers, or if there are performance issues with such third-party systems, our solutions will not operate effectively and our business and reputation will be adversely affected.
- Our sales cycle can be unpredictable, time-consuming and costly.
- Failure to protect our proprietary technology and intellectual property rights could adversely affect our business and results of operations.
- We use “open source” software in our solutions, which may restrict how we use or distribute our solutions, require that we release the source code of certain software subject to open source licenses, or subject us to litigation or other actions that could adversely affect our business.
- Assertions by third parties of infringement or other violations by us of their intellectual property rights, whether or not correct, could result in significant costs and adversely affect our business and results of operations.
- Our ability to raise capital in a timely manner if needed in the future may be limited, or such capital may be unavailable on acceptable terms, if at all. Our failure to raise capital if needed could adversely affect our business and results of operations, and any debt or equity issued to raise additional capital may reduce the value of our common stock.
- Our ability to use our net operating loss carryforwards and certain other tax attributes may be limited.
- Amendments to existing tax laws, rules, or regulations, or enactment of new unfavorable tax laws, rules, or regulations could have an adverse effect on our business and operating results.
- Risks Relating to Ownership of Our Common Stock
- The market price of our common stock may be volatile or may decline steeply or suddenly regardless of our operating performance and we may not be able to meet investor or analyst expectations and you may lose all or part of your investment.
- We do not intend to pay dividends for the foreseeable future and, as a result, your ability to achieve a return on your investment will depend on appreciation in the price of our common stock.
- Future securities issuances could result in significant dilution to our existing stockholders and impair the market price of our common stock.
- We cannot guarantee that any stock repurchase program will be fully consummated or that it will enhance stockholder value, and stock repurchases could affect the price of our common stock.
- Delaware law and provisions in our amended and restated certificate of incorporation and bylaws could make a merger, tender offer, or proxy contest difficult, thereby depressing the trading price of our common stock.
- Our amended and restated certificate of incorporation designates a state or federal court located within the State of Delaware as the exclusive forum for substantially all disputes between us and our stockholders, which could limit our stockholders’ ability to choose the judicial forum for disputes with us or our directors, officers, or employees.
- General Risks
- Uncertain, volatile, or weakened economic conditions, including inflation and rising interest rates, tariffs and trade issues, and geopolitical uncertainties, may adversely affect our industry, business, and results of operations.
- Natural or man-made disasters and other similar events may significantly disrupt our business, and negatively impact our business, financial condition, and results of operations.
- If securities or industry analysts either do not publish research about us or publish inaccurate or unfavorable research about us, our business, or our market, or if they change their recommendations regarding our common stock adversely, the trading price or trading volume of our common stock could decline.
- Failure to maintain the adequacy of internal controls over financial reporting may adversely affect investor confidence in our company and, as a result, the value of our common stock.
- The terms of our Credit Facility contain restrictive covenants that may limit our operating flexibility.
Legal proceedings
From time to time, we may become involved in various litigation matters and be subject to claims that arise in the ordinary course of business. For information regarding legal proceedings, see Note 13 “Commitments and Contingencies” of the notes to our consolidated financial statements included in Part II, Item 8 of this Annual Report on Form 10-K, which is incorporated by reference into this Part I, Item 3.
The opening of Item 3, Legal Proceedings.5
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1SEC EDGARnCino, Inc. filings on SEC EDGAR
- 2SEC EDGARnCino, Inc. 10-K for fiscal 2026
- 3SEC EDGARnCino, Inc. filings on SEC EDGAR
- 4
- 5
- 6SEC EDGARnCino, Inc. 10-K for fiscal 2020
- 7SEC EDGARnCino, Inc. 10-K for fiscal 2021
- 8SEC EDGARnCino, Inc. 10-K for fiscal 2022
- 9SEC EDGARnCino, Inc. 10-K for fiscal 2023
- 10SEC EDGARnCino, Inc. 10-Q for fiscal 2026
- 11SEC EDGARnCino, Inc. 10-Q for fiscal 2026
- 12
- 13
- 14SEC EDGARSean Desmond, President
- 15SEC EDGARJoshua L. Glover, President
- 16
- 17SEC EDGARDavid Rudow, Chief financial officer
- 18SEC EDGARKeith Kettell, Chief Revenue Officer
- 19
- 20SEC EDGARJeanette Sellers, VP of Accounting
- 21
- 22
- 23
- 24SEC EDGARJustin C. Nyweide, Board member
- 25SEC EDGARDiego German Dugatkin, Board member
- 26SEC EDGARAndrew Hideki Yasutake, Board member
- 27SEC EDGARJeff Horing, Board member
- 28SEC EDGARJeffrey W. Lunsford, Board member
- 29SEC EDGARPamela Kilday, Board member
- 30SEC EDGARSpencer Lake, Board member
- 31SEC EDGARSteven A. Collins, Board member
- 32SEC EDGARWilliam J. Ruh, Board member
- 33SEC EDGARWilliam R. Spruill, Board member
- 34SEC EDGARnCino, Inc. Form D naming Jon Doyle
- 35SEC EDGARResults of operations; Other events
- 36
- 37SEC EDGARResults of operations
- 38
- 39SEC EDGAROther events
- 40
- 41SEC EDGARResults of operations
- 42
- 43SEC EDGARResults of operations
- 44SEC EDGARExit or restructuring costs
- 45SEC EDGARCompleted an acquisition or sale
- 46
- 47NasdaqNasdaq calendar
- 48
- 49
- 50
- 51
- 52
- 53
- 54
- 55
- 56
- 57
- 58
- 59
- 60SEC EDGARSTAD MARC SC 13G on nCino, Inc.
- 61
- 62SEC EDGARSalesforce SC 13G/A on nCino, Inc.
- 63