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nCino, Inc. NCNO Business Segments — Interest Income

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LUNRReportable Segment — Interest Income
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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:InvestmentIncomeInterest.

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, 20252026
Adjusted sales and marketing expense(2)25,67626,884
Adjusted research and development expense(3)29,13625,438
Adjusted general and administrative expense(4)15,37512,497
Interest income(417)(366)
Interest expense4,4504,481
Other (income) expense, net(5)(16,097)333
Other segment items(6)26,34323,392
Income tax provision4,5341,680

Item 1. Financial Statements

FAQ

What is nCino, Inc.'s business segments — interest income?
nCino, Inc. (NCNO) reported business segments — interest income of $366K in Q1 2026.
How has nCino, Inc.'s business segments — interest income changed year-over-year?
nCino, Inc.'s business segments — interest income decreased by 12.2% year-over-year, from $417K to $366K.
What is the long-term trend for nCino, Inc.'s business segments — interest income?
Over 3 years (2023 to 2026), nCino, Inc.'s business segments — interest income has grown at a 52.5% compound annual growth rate (CAGR), from $403K to $1.43M.
What does business segments — interest income mean?
Represents the income earned from cash balances and short-term investments held by the segment. While typically a minor component of operational performance, it reflects the segment's liquidity management and treasury activities.

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