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nCino, Inc. NCNO Q4 2026 Annual earnings

Reported March 31, 2026 · After market close

Revenue$149.7MBeat by $1.8MDiluted EPS$0.37Beat by $0.16
Revenue estimate$147.9M
EPS estimate$0.21

Next report

Aug 25, 2026 (in a month)
Revenue estimate$159.3M
EPS estimate$0.28

Financials

Q4 2026

Income statement

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Revenue$149.7M+5.9%
Gross profit$91.9M+9.0%
Operating income$2.8M+149%
Net income$8.3M+145%
EPS (diluted)$0.08+150%

Balance sheet

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Cash & equivalents$88.7M-26.9%
Total debt$278.7M+284%
Total equity$1.1B-3.1%
Total assets$1.6B+2.3%

Cash flow

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Operating cash flow$12.9M—
CapEx$461.0K+31.7%
Free cash flow$12.5M—

Valuation & ratios

Valuation

as of 01/31/26
See full
Market cap$2.45B-37.8%
Enterprise value$2.64B-32.2%
P/E472.7×—
P/S4.1×-3.2×

Profitability

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Gross margin60.6%+0.5pp
Operating margin0.6%+0.3pp
Net margin0.9%+0.5pp
FCF margin13.9%—

Returns & leverage

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Return on equity0.5%+0.3pp
Debt / equity0.3×+0.2×
Current ratio1×-0.2×

Segments

By product

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Subscription$133.4M+6.7%
Subscriptions - non-mortgage$86.3M+9.9%
Subscriptions - mortgage$18.7M+2.2%
Professional services and other$16.3M-0.8%

By segment

See full
Reportable Segment$149.7M+5.9%

Versus estimates

Revenue

Q1 2027$159.4MBeat by $3.6M
Q4 2026$149.7MBeat by $1.8M
Q3 2026$152.2MBeat by $4.8MQ2 2026$148.8MBeat by $1.5MQ1 2026$144.1MBeat by $958.6KQ4 2025$141.4MBeat by $1.6M

Diluted EPS

Q1 2027$0.33Beat by $0.05
Q4 2026$0.37Beat by $0.16
Q3 2026$0.31Beat by $0.10Q2 2026$0.22Beat by $0.08Q1 2026$0.16In lineQ4 2025$0.12Miss by $0.06

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Questions, answered.

When did nCino, Inc. report Q4 2026 earnings?
nCino, Inc. (NCNO) reported Q4 2026 earnings on March 31, 2026 after market close.
What were nCino, Inc.'s Q4 2026 revenue and EPS?
nCino, Inc. reported revenue of $149.7M and diluted EPS of $0.37 for Q4 2026.
Did nCino, Inc. beat estimates in Q4 2026?
Revenue beat the consensus estimate of $147.9M by $1.8M. EPS beat the consensus estimate of $0.21 by $0.16.
How did nCino, Inc.'s Q4 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.9% from $141.4M a year earlier and diluted EPS grew 208.3% from $0.12.
Where can I find nCino, Inc.'s Q4 2026 SEC filings?
You can read the 8-K earnings release (0001902733-26-000019) and the 10-K periodic report (0001902733-26-000022) directly on SEC EDGAR. The filing index links above go to sec.gov.