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nCino, Inc. NCNO Debt - Unamortized Discount (Premium) and Issuance Costs, Net

Debt - Unamortized Discount (Premium) and Issuance Costs, Net at other companies

ACI Worldwide logo
ACI WorldwideACIW
$4.48M-38.4%
The Bancorp logo
The BancorpTBBK
$3.68M—

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$1.6B-25.8%
Enterprise value$1.82B-15.6%
P/E120.6×—
P/S2.6×-1.3×

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

Reported directly by nCino, Inc. in its filing.

Tagged under the XBRL concept us-gaap:DeferredFinanceCostsNet.

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 - unamortized discount (premium) and issuance costs, net?
nCino, Inc. (NCNO) reported debt - unamortized discount (premium) and issuance costs, net of $690K in Q1 2026.
How has nCino, Inc.'s debt - unamortized discount (premium) and issuance costs, net changed year-over-year?
nCino, Inc.'s debt - unamortized discount (premium) and issuance costs, net decreased by 46.9% year-over-year, from $1.3M to $690K.
What does debt - unamortized discount (premium) and issuance costs, net mean?
This represents the net adjustment to the face value of debt, accounting for original issue discounts, premiums, and capitalized debt issuance costs. These amounts are amortized over the life of the debt instrument to reflect the effective interest rate. It is essential for reconciling the carrying value of debt to its face value.