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nCino, Inc. NCNO Business Segments — Interest Expense

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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$2.08B-33.4%
Enterprise value$2.3B-24.9%
P/E156.9×
P/S3.4×-2.0×

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:InterestExpenseNonoperating.

The source filing: nCino, Inc.’s 10-Q, filed May 27, 2026.

Filed
May 27, 2026, 5:08 PM EDT
Fiscal quarter
Q1 FY2027
Calendar quarter
Q2 2026
Accession
0001902733-26-000066
Line itemThree Months Ended April 30, 2025Three Months Ended April 30, 2026
Income (loss) from operations(1,513)21,119
Non-operating income (expense)
Interest income417366
Interest expense(4,450)(4,481)
Other income (expense), net16,097(333)
Income before income taxes10,55116,671
Income tax provision4,5341,680
Net income6,01714,991

Item 1. Financial Statements

FAQ

What is nCino, Inc.'s business segments — interest expense?
nCino, Inc. (NCNO) reported business segments — interest expense of $4.48M in Q1 2026.
How has nCino, Inc.'s business segments — interest expense changed year-over-year?
nCino, Inc.'s business segments — interest expense increased by 0.7% year-over-year, from $4.45M to $4.48M.
What is the long-term trend for nCino, Inc.'s business segments — interest expense?
Over 3 years (2023 to 2026), nCino, Inc.'s business segments — interest expense has grown at a 83.9% compound annual growth rate (CAGR), from $2.81M to $17.46M.
What does business segments — interest expense mean?
Captures the costs associated with the segment's debt obligations and financing arrangements. This metric is a key indicator of the segment's leverage profile and the impact of interest rate environments on its overall profitability.

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