Can nCino, Inc. cover its short-term obligations?

Its current ratio is 0.89 — current liabilities exceed current assets.

Where does nCino, Inc.'s balance sheet data come from?

Every line is extracted from nCino, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

nCino, Inc. NCNO Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'26	FY'25	FY'24	FY'23
Cash and cash equivalents	$88.69M-26.9%	$121.27M+3.3%	$117.44M+34.3%	$87.42M-1.1%
Restricted cash	——	——	——	——
Accounts receivable, net	$372.07M+21.7%	$305.69M-2.4%	$313.19M+17.9%	$265.62M+433%
Prepaid expenses and other current assets	$82.61M+20.1%	$68.79M-11.5%	$77.72M+35.4%	$57.42M+288%
Total current assets	$293.5M-2.9%	$302.25M+20.5%	$250.78M+21.0%	$207.19M+12.9%
Property and equipment, net	$75.61M+0.9%	$74.95M-5.3%	$79.15M-6.3%	$84.44M+39.2%
Accumulated depreciation	$29.82M+2.8%	$29M+15.1%	$25.19M+23.5%	$20.4M+31.7%
Operating lease right-of-use assets	1,268,700,000%-333,900,000%	1,602,600,000%-323,500,000%	1,926,100,000%+875,300,000%	1,050,800,000%-266,200,000%
Goodwill	$1.08B+5.7%	$1.02B+21.5%	$838.87M-0.1%	$839.44M-0.2%
Intangible assets, net	$135.66M-12.2%	$154.57M+33.7%	$115.57M-24.4%	$152.83M-15.2%
Deferred tax assets	$7.02M-49.3%	$13.85M+276%	$3.69M+31.8%	$2.8M+67.0%
Other non-current assets	$30.74M+29.5%	$23.74M+36.2%	$17.43M-4.4%	$18.23M+11.1%
Equity method investments	$7.26M-21.9%	$9.29M0.0%	$9.29M+42.3%	$6.53M+62.0%
Total assets	$1.65B+2.3%	$1.61B+20.1%	$1.34B+1.0%	$1.33B+2.0%
Accounts payable	$14.52M+6.5%	$13.64M+15.2%	$11.84M-0.3%	$11.88M+4.5%
Accrued expenses	$24.8M-37.8%	$39.87M+145%	$16.28M-28.0%	$22.62M+5.4%
Deferred revenue	$210.55M+10.1%	$191.17M+11.8%	$170.94M+10.4%	$154.87M+26.3%
Current portion of long-term debt	$0-100%	$1.68M+14.0%	$1.47M+45.2%	$1.02M+63.4%
Operating lease liabilities, current	$4.23M-17.9%	$5.15M+41.2%	$3.65M-5.8%	$3.87M+9.2%
Finance Lease Liability, Current	$818K-51.3%	$1.68M+14.0%	$1.47M+45.2%	$1.02M+63.4%
Contract liabilities	$170K-36.8%	$269K—	$0—	$0-100%
Total current liabilities	$294.49M+17.1%	$251.51M+17.0%	$215.04M+4.8%	$205.16M+17.7%
Long-term debt	$213.5M—	——	——	——
Operating lease liabilities, non-current	$9.75M-24.0%	$12.82M-21.9%	$16.42M+126%	$7.28M-35.0%
Finance Lease Liabilities (Total)	$51.22M-3.1%	$52.85M-2.4%	$54.15M-2.2%	$55.38M+62.4%
Operating Lease Liabilities (Total)	$13.98M-22.2%	$17.97M-10.5%	$20.07M+79.9%	$11.16M-24.3%
Finance lease liabilities	$50.4M-1.5%	$51.17M-2.9%	$52.68M-3.1%	$54.37M+62.4%
Other non-current liabilities	$4.12M-76.0%	$17.16M—	$0—	——
Total liabilities	$579.45M+13.0%	$512.78M+78.2%	$287.83M-3.9%	$299.6M+30.0%
Preferred stock	$0—	$0—	$0—	$0—
Common stock	500M+861,969%	58K+1.8%	57K+1.8%	56K+1.8%
Additional paid-in capital	$1.55B+5.1%	$1.47B+5.2%	$1.4B+5.0%	$1.33B+4.4%
Retained earnings	-$375.77M+2.5%	-$385.34M-9.2%	-$352.76M-13.7%	-$310.34M-48.1%
Accumulated other comprehensive income (loss)	$7.04M+3,901%	$176K-82.3%	$996K+43.5%	$694K+1,064%
Treasury stock	$125.6M—	$0—	——	——
Redeemable noncontrolling interests	$12.74M+53.7%	$8.29M+142%	$3.43M-4.5%	$3.59M+24.5%
Total stockholders' equity	$1.06B-3.1%	$1.09B+3.8%	$1.05B+2.5%	$1.02B-4.1%
Total liabilities and stockholders' equity	$1.65B+2.3%	$1.61B+20.1%	$1.34B+1.0%	$1.33B+2.0%
Allowance for Doubtful Accounts	$2.83M+130%	$1.23M-15.3%	$1.45M+61.4%	$899K+495%
Allowance for Doubtful Accounts Receivable (Current)	$2.83M+130%	$1.23M-15.3%	$1.45M+61.4%	$899K+495%
Capitalized Contract Costs, Current	$17.21M+27.8%	$13.46M+27.7%	$10.54M+12.3%	$9.39M+23.8%
Deferred costs	$17.21M+27.8%	$13.46M+27.7%	$10.54M+12.3%	$9.39M+23.8%
Other current assets	$2.13M+58.7%	$1.34M—	——	——
Other accounts receivable (net of allowances of $37 in 2026 and $37 in 2025)	$1.51M-23.2%	$1.96M+252%	$557K-25.4%	$747K-32.2%
Other Receivables	$1.51M-23.2%	$1.96M+252%	$557K-25.4%	$747K-32.2%
Unbilled Revenue	$28.13M+18.9%	$23.66M+207%	$7.7M+56.5%	$4.92M+128%
Equity Securities Without Readily Determinable Fair Value - Cumulative Upward Adjustments	——	——	——	——
Finite-Lived Intangible Assets - Expected Amortization Expense (Year One)	——	——	——	——
Finite Lived Intangible Assets - Gross	$257.21M+7.5%	$239.17M+25.4%	$190.72M-0.1%	$190.86M+0.5%
Net Investment in Lease	$12.69M-20.8%	$16.03M-16.8%	$19.26M+83.3%	$10.51M-20.2%
Deferred costs	$30.74M+29.5%	$23.74M+36.2%	$17.43M-4.4%	$18.23M+11.1%
Intangible assets — net	$135.66M-12.2%	$154.57M+33.7%	$115.57M-24.4%	$152.83M-15.2%
Investments	$7.26M-21.9%	$9.29M0.0%	$9.29M+42.3%	$6.53M+62.0%
Operating lease right-of-use assets	$12.69M-20.8%	$16.03M-16.8%	$19.26M+83.3%	$10.51M-20.2%
Property, plant and equipment at cost	$105.42M+1.4%	$103.96M-0.4%	$104.34M-0.5%	$104.85M+37.6%
Operating Lease Right-of-Use Assets in Other Assets	$12.69M-20.8%	$16.03M-16.8%	$19.26M+83.3%	$10.51M-20.2%
Prepaid Expenses, Non-Current	$14.71M+44.5%	$10.18M+0.9%	$10.09M+24.5%	$8.1M—
Accrued Manufacturing Costs	$24.8M+5.0%	$23.63M+45.1%	$16.28M-28.0%	$22.62M+5.4%
Accrued Progress Collections and Price Adjustments	$170K-36.8%	$269K—	$0—	$0-100%
Compensation and benefits	$24.8M+5.0%	$23.63M+45.1%	$16.28M-28.0%	$22.62M+5.4%
Finance Lease Liability Payment Due	——	——	——	——
Finance Lease Liability - Undiscounted Excess Amount	——	——	——	——
Lease Liability Payments - 2020 (Remaining Three Months)	——	——	——	——
Lease Liability Payments - 2021	——	——	——	——
Operating Lease Liability Payments - 2024 (Lessee)	——	——	——	——
Operating Lease Liability Payments - 2025 (Lessee)	——	——	——	——
Lease Liability Payments - Due Year Two	——	——	——	——
Lease Liability Payments - Due Year Three	——	——	——	——
Lease Liability Payments - Due Year Four	——	——	——	——
Lease Liability Payments - Remainder of Fiscal Year	——	——	——	——
Operating Lease Liability Payments Due	——	——	——	——
Operating Lease Liability - Undiscounted Excess Amount	——	——	——	——
Contingent Consideration Liability (Non-Current)	$9.7M—	$0—	——	——
Contract Liabilities, Non-Current	$170K-36.8%	$269K—	$0—	$0-100%
Debt Maturity - 2024	——	——	——	——
Debt Maturity - 2025	——	——	——	——
Debt Maturity - 2027	——	——	——	——
Debt - Unamortized Discount (Premium) and Issuance Costs, Net	$0-100%	$1.4M—	——	——
Operating Lease Liability Payments - 2026 (Lessee)	——	——	——	——
Operating Lease Liability Payments - 2027 (Lessee)	——	——	——	——
Operating Lease Liability Payments - 2028 (Lessee)	——	——	——	——
Deferred revenue, net of current portion	$170K-36.8%	$269K—	$0—	$0-100%
Total debt	$278.7M+284%	$72.5M-4.2%	$75.7M+12.1%	$67.55M+36.6%
Total Carrying Value of Debt	——	——	——	——
Common Stock Par Value Per Share	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%
Common Stock Shares Issued	118.9M+2.5%	116M+2.0%	113.7M+2.0%	111.4M+1.5%
Convertible Preferred Stock Authorized Shares	10M0.0%	10M0.0%	10M0.0%	10M0.0%
Convertible Preferred Stock Issued Shares	0—	0—	0—	0—
Convertible Preferred Stock Outstanding Shares	0—	0—	0—	0—
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$59K+1.7%	$58K+1.8%	$57K+1.8%	$56K+1.8%
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	$0—	$0—	$0—	$0—
Treasury Stock, Value	$125.6M—	$0—	——	——
Number of Exercisable Options	——	——	——	——
Preferred Stock Par Value Per Share	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%
Share-Based Payment Award Options Outstanding - Number	480.6K-40.8%	811.6K-33.1%	1.2M-39.6%	2M-23.6%
Share Repurchase Authorization Limit	——	——	——	——
Share Repurchase Program - Amount Remaining	——	——	——	——
Weighted Average Exercise Price of Exercisable Options	——	——	——	——
Weighted Average Exercise Price of Outstanding Options	$8.06+11.6%	$7.22+1.1%	$7.14+7.9%	$6.62-1.5%
Components	——	——	——	——
Cumulative Cost Basis	$105.42M+1.4%	$103.96M-0.4%	$104.34M-0.5%	$104.85M+37.6%
Deferred Revenue Timing Percentage	——	——	——	——
Fair Value Measurement Disclosure	$9.7M—	$0—	$0—	——
Accrued expenses	$15.57M-4.1%	$16.24M—	——	——
Purchase consideration deferred payment	$14.31M—	——	——	——
Accounts Receivable, Allowance for Credit Loss	$2.83M+130%	$1.23M-15.3%	$1.45M+61.4%	$899K+495%
Allowance for doubtful accounts	$2.83M+130%	$1.23M-15.3%	$1.45M+61.4%	$899K+495%
Business Combination, Contingent Consideration, Liability	$9.7M—	$0—	——	——
Common stock, par value (in dollars per share)	$00.0%	$00.0%	$00.0%	$00.0%
Common stock, shares authorized (in shares)	$500M0.0%	$500M0.0%	$500M0.0%	$500M0.0%
Common stock, shares issued (in shares)	$118.87M+2.5%	$116M+2.0%	$113.68M+2.0%	$111.42M+1.5%
Common Stock, Shares, Outstanding	$113.9M-1.8%	$116M+2.0%	$113.68M+2.0%	$111.42M+1.5%
Debt instrument, capital stock of foreign subsidiaries owned, percentage	——	——	——	——
Long-term debt, gross	——	——	——	——
Deferred income taxes	$7.02M-49.3%	$13.85M+276%	$3.69M+31.8%	$2.8M+67.0%
Current maturities of long-term debt	$818K-51.3%	$1.68M+14.0%	$1.47M+45.2%	$1.02M+63.4%
Finance Lease Liability Payments Due	——	——	——	——
2027	——	——	——	——
Finance Lease Liability Payments Due Year Four	——	——	——	——
Finance Lease Liability Payments Due Year Three	——	——	——	——
Finance Lease Liability Payments Due Year Two	——	——	——	——
Residual financing obligations and assets	——	——	——	——
Thereafter	——	——	——	——
Finance Lease Liability Undiscounted Excess Amount	——	——	——	——
Thereafter	——	——	——	——
Finite-Lived Intangible Assets, Accumulated Amortization	$121.55M+43.7%	$84.6M+12.6%	$75.14M+97.6%	$38.04M+287%
2028	——	——	——	——
2030	——	——	——	——
Remainder of 2026	——	——	——	——
2027	——	——	——	——
2029	——	——	——	——
Gross Carrying Amount	$257.21M+7.5%	$239.17M+25.4%	$190.72M-0.1%	$190.86M+0.5%
Lessee Operating Lease Liability Payments Due	——	——	——	——
Thereafter	——	——	——	——
Lessee Operating Lease Liability Undiscounted Excess Amount	——	——	——	——
2028	——	——	——	——
2029	——	——	——	——
2027	——	——	——	——
Remainder of 2026	——	——	——	——
Long-Lived Assets	$88.29M-3.0%	$90.98M—	——	——
Operating Lease Weighted Average Discount Rate Percent	——	——	——	——
Other accrued liabilities	$64.37M+61.5%	$39.87M+268%	$10.85M-0.5%	$10.9M-26.1%
Preferred Stock, Par or Stated Value Per Share	$00.0%	$00.0%	$00.0%	$00.0%
Preferred Stock, Shares Authorized	$10M0.0%	$10M0.0%	$10M0.0%	$10M0.0%
Preferred Stock, Shares Issued	$0—	$0—	$0—	$0—
Preferred Stock, Shares Outstanding	$0—	$0—	$0—	$0—
Prepaid expenses	$19.25M-2.4%	$19.73M—	——	——
Purchase Obligation	——	——	——	——
Thereafter	——	——	——	——
Redeemable noncontrolling interests in subsidiaries	$12.74M+53.7%	$8.29M+142%	$3.43M-4.5%	$3.59M+24.5%
Remaining performance obligations related to customer contracts that are unsatisfied or partially unsatisfied	——	——	——	——
Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number	——	——	——	——
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number	$480.64K-40.8%	$811.6K-33.1%	$1.21M-39.6%	$2.01M-23.6%
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$8.06+11.6%	$7.22+1.1%	$7.14+7.9%	$6.62-1.5%
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price	——	——	——	——
Share Repurchase Program, Authorized, Amount	$100M—	——	——	——
Share Repurchase Program, Remaining Authorized, Amount	——	——	——	——
Treasury stock, shares (in shares)	$4.96M—	$0—	——	——
Unamortized Debt Issuance Expense	$1.1M-21.4%	$1.4M—	——	——
Unbilled Receivables	$28.13M+18.9%	$23.66M+207%	$7.7M+56.5%	$4.92M+128%
Unrecorded Unconditional Purchase Obligation	——	——	——	——
Purchase Commitments - Due Next Year	——	——	——	——
Purchase Obligation	——	——	——	——
Remainder of Fiscal Year 2024	——	——	——	——
Remainder of Fiscal Year 2025	——	——	——	——
Unrecorded Unconditional Purchase Obligation	——	——	——	——
Weighted-Average Discount Rate	——	——	——	——
Weighted-Average Discount Rate - Finance Leases	——	——	——	——

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Questions, answered.

Can nCino, Inc. cover its short-term obligations?: Its current ratio is 0.89 — current liabilities exceed current assets.
Where does nCino, Inc.'s balance sheet data come from?: Every line is extracted from nCino, Inc.'s SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.