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nCino, Inc. NCNO Provision for Credit Losses

Provision for Credit Losses at other companies

Enterprise Financial ServicesEFSC

$7.24M+39.7%

NBT

NBT BancorpNBTB

$5.58M-26.2%

FIB

First Interstate BancSystem, Inc.FIBK

$6.7M-66.5%

Origin BancorpOBK

$4.97M+44.2%

National Bank HoldingsNBHC

$4M-60.8%

The BancorpTBBK

$27.6M-41.1%

Other financials

Income statement

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

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

Operating cash flow$81.4M+49.9%

CapEx$614.0K-64.3%

Free cash flow$80.8M+53.6%

Valuation

Market cap$1.61B-25.8%

Profitability

Gross margin61.4%+1.4pp

Operating margin4.3%+3.1pp

Net margin2.2%+1.3pp

FCF margin18.2%—

Returns & leverage

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:ProvisionForDoubtfulAccounts.

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 provision for credit losses?: nCino, Inc. (NCNO) reported provision for credit losses of -$54K in Q1 2026.
How has nCino, Inc.'s provision for credit losses changed year-over-year?: nCino, Inc.'s provision for credit losses decreased by 126.7% year-over-year, from $202K to -$54K.
What is the long-term trend for nCino, Inc.'s provision for credit losses?: Over 4 years (2022 to 2026), nCino, Inc.'s provision for credit losses has grown at a 109.0% compound annual growth rate (CAGR), from $90K to $1.72M.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.