nCino (NCNO)
Cloud software connecting lending, onboarding, account opening, and mortgage workflows.
$19.77
vs last close−0.66 (−3.25%)
In millions of USD, except per-share figures
| In millions | Q3 FY24Oct 2023 | Q4 FY24Jan 2024 | Q1 FY25Apr 2024 | Q2 FY25Jul 2024 | Q3 FY25Oct 2024 | Q4 FY25Jan 2025 | Q1 FY26Apr 2025 | Q2 FY26Jul 2025 | Q3 FY26Oct 2025 | Q4 FY26Jan 2026 | Q1 FY27Apr 2026 | Q2 FY27Jul 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 122 | 124 | 128 | 132 | 139 | 141 | 144 | 149 | 152 | 150 | 159 | 161 |
| Cost of revenue | 48 | 49 | 51 | 54 | 54 | 57 | 58 | 61 | 58 | 58 | 63 | 60 |
| Gross profit | 74 | 74 | 77 | 78 | 85 | 84 | 86 | 88 | 94 | 92 | 96 | 101 |
| 87 | 78 | 81 | 86 | 86 | 90 | 88 | 97 | 82 | 89 | 74 | 87 | |
| Research & development | 29 | 30 | 30 | 34 | 33 | 32 | 33 | 35 | 30 | 30 | 28 | 31 |
| 58 | 47 | 51 | 52 | 53 | 58 | 55 | 63 | 52 | 59 | 51 | 56 | |
| Selling & marketing | 38 | 30 | 28 | 32 | 30 | 34 | 33 | 37 | 33 | 33 | 34 | 37 |
| General & administrative | 19 | 17 | 23 | 20 | 23 | 24 | 22 | 25 | 19 | 26 | 17 | 19 |
| Other expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −5 | 0 |
| Operating income | −13 | −3 | −4 | −8 | −1 | −6 | −2 | −9 | 12 | 3 | 22 | 14 |
| −2 | 1 | −2 | −1 | −1 | −14 | 12 | −3 | −4 | −2 | −5 | −6 | |
| Interest income | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Interest expense | 1 | 1 | 1 | 2 | 2 | 4 | 4 | 4 | 4 | 4 | 4 | 5 |
| Other non-operating income | 2 | −2 | 0 | 0 | −1 | 10 | −17 | −1 | −1 | −2 | 1 | 0 |
| Income before tax | −15 | −2 | −5 | −9 | −2 | −19 | 11 | −13 | 8 | 1 | 17 | 8 |
| Income tax expense | 2 | −3 | −3 | 2 | 3 | −4 | 5 | 1 | −1 | −8 | 2 | 2 |
| Net income from continuing operations | −17 | 1 | −2 | −11 | −4 | −16 | 6 | −14 | 9 | 8 | 15 | 6 |
| Net income | −16 | 1 | −3 | −11 | −5 | −19 | 6 | −15 | 7 | 8 | 14 | 5 |
| EPS, basic | −$0.15 | $0.01 | −$0.03 | −$0.10 | −$0.05 | −$0.16 | $0.05 | −$0.13 | $0.06 | $0.07 | $0.13 | $0.05 |
| EPS, diluted | −$0.15 | $0.01 | −$0.03 | −$0.10 | −$0.05 | −$0.16 | $0.05 | −$0.13 | $0.06 | $0.07 | $0.12 | $0.05 |
| Weighted average shares, basic | 113 | 113 | 114 | 115 | 116 | 116 | 115 | 115 | 114 | 114 | 109 | 104 |
| Weighted average shares, diluted | 113 | 116 | 114 | 115 | 116 | 116 | 117 | 115 | 116 | 115 | 109 | 105 |
| EBITDA | 4 | 7 | 4 | 1 | 9 | −5 | 26 | 3 | 23 | 15 | 31 | 13 |
| Depreciation & amortization | 19 | 8 | 8 | 9 | 9 | 10 | 11 | 11 | 11 | 10 | 10 | 0 |
| EBIT | −15 | −1 | −4 | −7 | 0 | −16 | 15 | −8 | 12 | 5 | 21 | 13 |