What is nCino, Inc.'s debt-to-assets?

nCino, Inc. (NCNO) reported debt-to-assets of 0.2× in Q1 2026.

How has nCino, Inc.'s debt-to-assets changed year-over-year?

nCino, Inc.'s debt-to-assets increased by 368.2% year-over-year, from 0× to 0.2×.

What is the long-term trend for nCino, Inc.'s debt-to-assets?

Over 5 years (2021 to 2026), nCino, Inc.'s debt-to-assets has grown at a 23.7% compound annual growth rate (CAGR), from 0.1× to 0.2×.

What does debt-to-assets mean?

Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.

nCino, Inc. NCNO Debt-to-assets

Debt-to-assets at other companies

Henry (Jack) & AssociatesJKHY

0×0.0×

Fidelity National Information ServicesFIS

0.5×+0.2×

Q2 HoldingsQTWO

0.3×+0.1×

Alkami Technology, Inc.ALKT

0×0.0×

Diebold NixdorfDBD

0.3×0.0×

ACI WorldwideACIW

0.3×0.0×

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.

total debt/total assets=0.2×

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 debt-to-assets?: nCino, Inc. (NCNO) reported debt-to-assets of 0.2× in Q1 2026.
How has nCino, Inc.'s debt-to-assets changed year-over-year?: nCino, Inc.'s debt-to-assets increased by 368.2% year-over-year, from 0× to 0.2×.
What is the long-term trend for nCino, Inc.'s debt-to-assets?: Over 5 years (2021 to 2026), nCino, Inc.'s debt-to-assets has grown at a 23.7% compound annual growth rate (CAGR), from 0.1× to 0.2×.
What does debt-to-assets mean?: Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.