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nCino, Inc. NCNO Retained Earnings

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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:RetainedEarningsAccumulatedDeficit.

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 itemJanuary 31, 2026April 30, 2026
Preferred stock, $0.001 par value; 10,000,000 shares authorized, and none issued and outstanding at January 31, 2026 and April 30, 2026
Common stock, $0.0005 par value; 500,000,000 shares authorized at January 31, 2026 and April 30, 2026; 118,868,921 and 119,882,698 shares issued; 113,904,867 and 108,794,598 outstanding at January 31, 2026 and April 30, 2026, respectively5960
Treasury stock, at cost; 4,964,054 and 11,088,100 shares at January 31, 2026 and April 30, 2026, respectively(125,600)(219,255)
Additional paid-in capital1,550,1871,546,967
Accumulated other comprehensive income7,0424,016
Accumulated deficit(375,773)(361,429)
Total stockholders’ equity1,055,915970,359
Total liabilities, redeemable non-controlling interest, and stockholders’ equity$1,648,106$1,607,830

Item 1. Financial Statements

FAQ

What is nCino, Inc.'s retained earnings?
nCino, Inc. (NCNO) reported retained earnings of -$361.43M in Q1 2026.
How has nCino, Inc.'s retained earnings changed year-over-year?
nCino, Inc.'s retained earnings increased by 4.7% year-over-year, from -$379.39M to -$361.43M.
What is the long-term trend for nCino, Inc.'s retained earnings?
Over 5 years (2021 to 2026), nCino, Inc.'s retained earnings has grown at a 18.5% compound annual growth rate (CAGR), from -$161.06M to -$375.77M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

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