nCino Quarterly Balance Sheet
NASDAQ: NCNOTechnologySoftware - ApplicationUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
nCino financial position
As of Jul 31, 2026, nCino reported total assets of $1.57 billion, down 2.7% from a year earlier against total liabilities of $626.5 million. Shareholders' equity stood at $929.8 million, or 59.2% of assets. The company held $83.3 million in cash and equivalents against $275.4 million of debt, a net debt position of $192.1 million.
The current ratio (current assets divided by current liabilities) was 0.85, meaning short-term obligations exceed short-term assets. Debt-to-equity was 0.30.
Summary generated from market data by MetaCap's automated system. Methodology
nCino balance sheet (quarterly)
| Quarter (USD) | Q2 20272026-07-31 | Q1 20272026-04-30 | Q4 20262026-01-31 | Q3 20262025-10-31 | Q2 20262025-07-31 | Q1 20262025-04-30 | Q4 20252025-01-31 | Q3 20252024-10-31 | Q2 20252024-07-31 | Q1 20252024-04-30 | Q4 20242024-01-31 | Q3 20242023-10-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 83.29M | 102.81M | 88.37M | 87.59M | 122.94M | 133.23M | 120.93M | 257.89M | 121.41M | 129.48M | 112.08M | 100.47M |
| Receivables | 122.36M | 124.74M | 166.54M | 86.95M | 98.47M | 104.42M | 146.79M | 65.01M | 78.82M | 78.51M | 112.97M | 62.01M |
| Total Current Assets | 242.90M | 267.43M | 293.50M | 209.22M | 255.09M | 273.68M | 302.25M | 348.64M | 228.75M | 236.58M | 250.78M | 190.87M |
| Property, Plant & Equipment | 73.64M | 74.84M | 75.61M | 76.33M | 77.43M | 77.29M | 74.95M | 75.71M | 76.78M | 77.70M | 79.14M | 80.56M |
| Goodwill | 1.08B | 1.08B | 1.08B | 1.07B | 1.07B | 1.08B | 1.02B | 908.56M | 908.00M | 907.51M | 838.87M | 838.59M |
| Intangible Assets | 117.39M | 126.22M | 135.66M | 142.84M | 151.92M | 161.32M | 154.57M | 128.34M | 135.52M | 142.71M | 115.57M | 121.69M |
| Long-Term Investments | 7.26M | 7.26M | 7.26M | 7.26M | 7.26M | 7.26M | 9.29M | 9.29M | 9.29M | 9.29M | 9.29M | 9.03M |
| Total Assets | 1.57B | 1.61B | 1.65B | 1.56B | 1.62B | 1.65B | 1.61B | 1.52B | 1.41B | 1.42B | 1.34B | 1.27B |
| Accounts Payable | 14.84M | 15.71M | 14.52M | 12.53M | 14.07M | 15.10M | 13.64M | 12.12M | 13.14M | 16.12M | 11.84M | 12.53M |
| Short-Term Debt | 9.80M | 9.80M | 0 | — | — | — | — | — | — | — | — | — |
| Total Current Liabilities | 286.76M | 299.86M | 294.49M | 208.08M | 248.64M | 260.74M | 251.51M | 178.91M | 210.98M | 221.69M | 215.04M | 172.97M |
| Long-Term Debt | 265.56M | 253.01M | 213.50M | — | — | — | — | — | — | — | — | — |
| Total Liabilities | 626.52M | 623.38M | 579.45M | 507.25M | 548.85M | 570.00M | 512.78M | 423.10M | 329.76M | 355.91M | 287.83M | 235.74M |
| Shareholders' Equity | 929.83M | 970.36M | 1.06B | 1.04B | 1.06B | 1.07B | 1.09B | 1.09B | 1.07B | 1.06B | 1.05B | 1.03B |
| Retained Earnings | -355.75M | -361.43M | -375.77M | -384.39M | -393.04M | -379.39M | -385.33M | -369.82M | -365.86M | -354.89M | -352.76M | -354.37M |
| Total Debt | 275.36M | 262.81M | 213.50M | — | — | — | — | — | — | — | — | — |
| Net Cash (Debt) | -192.07M | -160.00M | -125.13M | 87.59M | 122.94M | 133.23M | 120.93M | 257.89M | 121.41M | 129.48M | 112.08M | 100.47M |
| Shares Outstanding | 105.13M | 108.79M | 113.90M | 114.43M | 115.44M | 115.24M | 116.00M | 115.65M | 115.39M | 114.34M | 113.68M | 113.03M |
This table shows 12 quarterly periods of nCino's balance sheet, from Q2 2027 back to Q3 2024, across 18 line items including cash & equivalents, receivables, total current assets. Values in USD; B = billions, M = millions. Fiscal periods follow NCNO's reporting calendar. What is a balance sheet?