What is nCino, Inc.'s cash ratio?

nCino, Inc. (NCNO) reported cash ratio of 0.3× in Q1 2026.

How has nCino, Inc.'s cash ratio changed year-over-year?

nCino, Inc.'s cash ratio decreased by 32.9% year-over-year, from 0.5× to 0.3×.

What is the long-term trend for nCino, Inc.'s cash ratio?

Over 5 years (2021 to 2026), nCino, Inc.'s cash ratio has grown at a -37.7% compound annual growth rate (CAGR), from 3.2× to 0.3×.

What does cash ratio mean?

Cash and equivalents divided by current liabilities at the quarter end. The most conservative liquidity measure — what the company could pay immediately with cash on hand.

nCino, Inc. NCNO Cash ratio

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0.1×0.0×

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0.1×0.0×

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0.4×-0.4×

Alkami Technology, Inc.ALKT

0.5×-0.4×

Diebold NixdorfDBD

0.3×0.0×

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0.3×-0.1×

Other financials

Income statement

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Revenue$159.4M+10.6%

Gross profit$100.9M+16.8%

Operating income$21.1M+1,496%

Net income$13.6M+145%

EPS (diluted)$0.12+140%

Balance sheet

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Cash & equivalents$103.1M-22.8%

Total debt$326.7M+356%

Total equity$970.4M-9.5%

Total assets$1.6B-2.6%

Cash flow

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Operating cash flow$81.4M+49.9%

CapEx$614.0K-64.3%

Free cash flow$80.8M+53.6%

Valuation

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Market cap$1.61B-25.8%

Profitability

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Gross margin61.4%+1.4pp

Operating margin4.3%+3.1pp

Net margin2.2%+1.3pp

FCF margin18.2%—

Returns & leverage

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Return on equity1.3%+0.8pp

Debt / equity0.3×+0.3×

Current ratio0.9×-0.2×

Where this comes from

Calculated from nCino, Inc.’s reported figures.

cash and equivalents/total current liabilities=0.3×

Based on the most recent quarter.

The official record: nCino, Inc.’s 10-Q, filed May 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is nCino, Inc.'s cash ratio?: nCino, Inc. (NCNO) reported cash ratio of 0.3× in Q1 2026.
How has nCino, Inc.'s cash ratio changed year-over-year?: nCino, Inc.'s cash ratio decreased by 32.9% year-over-year, from 0.5× to 0.3×.
What is the long-term trend for nCino, Inc.'s cash ratio?: Over 5 years (2021 to 2026), nCino, Inc.'s cash ratio has grown at a -37.7% compound annual growth rate (CAGR), from 3.2× to 0.3×.
What does cash ratio mean?: Cash and equivalents divided by current liabilities at the quarter end. The most conservative liquidity measure — what the company could pay immediately with cash on hand.