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nCino, Inc. NCNO Q2 2027 earnings

Reported August 25, 2026 · After market close

Revenue$161.0MBeat by $1.9M
EPS$0.30Beat by $0.03
Revenue estimate$159.1M
EPS estimate$0.27
“We delivered an exceptional second quarter of fiscal 2027, once again exceeding all financial guidance. We are seeing many of our largest customers consolidating more of their most critical operations on nCino and expanding their commitments to include our market leading AI capabilities. The confidence behind those commitments reflects a simple reality: deploying AI in financial services demands deep domain context and expertise, and nCino is uniquely positioned to deliver it at scale globally.”
Sean Desmond

Next report

Date not yet announced

Financials

Q2 2027

Income statement

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Revenue$161.0M+8.2%
Gross profit$100.8M+14.4%
Operating income$13.6M+246%
Net income$5.1M+133%
EPS (diluted)$0.05+138%

Balance sheet

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Cash & equivalents$83.6M-32.2%
Total debt$338.6M+400%
Total equity$929.8M-12.0%
Total assets$1.6B-2.7%

Cash flow

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Operating cash flow$34.2M+92.8%
CapEx$195.0K-96.2%
Free cash flow$34.0M+170%

Valuation & ratios

Valuation

as of 08/27/26
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Market cap$2.27B-39.9%
Enterprise value$2.53B-32.2%
P/E67.7×—
P/S3.7×-3.0×

Profitability

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Gross margin62.2%+2.2pp
Operating margin7.9%+6.2pp
Net margin5.4%+3.6pp
FCF margin21.2%—

Returns & leverage

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Return on equity3.4%+2.3pp
Debt / equity0.4×+0.3×
Current ratio0.8×-0.2×

Segments

By product

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Subscription$143.5M+9.7%
Subscription - non-mortgage$91.9M+11.4%
Subscription - mortgage$20.6M-1.0%
Professional services and other$17.5M-2.9%

By segment

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Reportable Segment$161.0M+8.2%

FAQ

When did nCino, Inc. report Q2 2027 earnings?
nCino, Inc. (NCNO) reported Q2 2027 earnings on August 25, 2026 after market close.
What were nCino, Inc.'s Q2 2027 revenue and EPS?
nCino, Inc. reported revenue of $161.0M and eps of $0.30 for Q2 2027.
Did nCino, Inc. beat estimates in Q2 2027?
Revenue beat the consensus estimate of $159.1M by $1.9M. EPS beat the consensus estimate of $0.27 by $0.03.
How did nCino, Inc.'s Q2 2027 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.2% from $148.8M a year earlier and eps grew 36.4% from $0.22.
Where can I find nCino, Inc.'s Q2 2027 SEC filings?
You can read the 8-K earnings release (0001902733-26-000099) and the 10-Q periodic report (0001902733-26-000101) directly on SEC EDGAR. The filing index links above go to sec.gov.