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nCino, Inc. NCNO Q3 2026 earnings

Reported December 3, 2025 · After market close

Revenue$152.2MBeat by $4.8M
EPS$0.31Beat by $0.10
Revenue estimate$147.4M
EPS estimate$0.21

Next report

Date not yet announced

Financials

Q3 2026

Income statement

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Revenue$152.2M+9.6%
Gross profit$93.7M+10.2%
Operating income$11.7M+1,522%
Net income$6.5M+225%
EPS (diluted)$0.06+220%

Balance sheet

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Cash & equivalents$87.9M-66.0%
Total debt$67.7M-5.3%
Total equity$1.0B-4.3%
Total assets$1.6B+2.9%

Cash flow

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Operating cash flow$5.1M-12.2%
CapEx$174.0K-74.4%
Free cash flow$4.9M-3.9%

Valuation & ratios

Valuation

as of 10/31/25
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Market cap$3.09B-28.1%
Enterprise value$3.07B-25.3%
P/S5.3×-2.9×

Profitability

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Gross margin60.1%-0.1pp
Operating margin-0.8%-0.3pp
Net margin-3.7%0.0pp

Returns & leverage

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Return on equity-2%+0.3pp
Debt / equity0.1×0.0×
Current ratio1×-0.9×

Segments

By product

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Subscription$133.4M+11.3%
Subscription - non-mortgage$84.5M+10.8%
Subscription - mortgage$21.1M+2.0%
Professional services and other$18.8M-0.8%

By segment

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Reportable Segment$152.2M+9.6%

FAQ

When did nCino, Inc. report Q3 2026 earnings?
nCino, Inc. (NCNO) reported Q3 2026 earnings on December 3, 2025 after market close.
What were nCino, Inc.'s Q3 2026 revenue and EPS?
nCino, Inc. reported revenue of $152.2M and eps of $0.31 for Q3 2026.
Did nCino, Inc. beat estimates in Q3 2026?
Revenue beat the consensus estimate of $147.4M by $4.8M. EPS beat the consensus estimate of $0.21 by $0.10.
How did nCino, Inc.'s Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.6% from $138.8M a year earlier and eps grew 47.6% from $0.21.
Where can I find nCino, Inc.'s Q3 2026 SEC filings?
You can read the 8-K earnings release (0001902733-25-000130) and the 10-Q periodic report (0001902733-25-000131) directly on SEC EDGAR. The filing index links above go to sec.gov.