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nCino, Inc. NCNO Total debt

Total debt at other companies

Henry (Jack) & Associates logo
Henry (Jack) & AssociatesJKHY
$136.59M-38.9%
Q2 Holdings logo
Q2 HoldingsQTWO
$343.9M+45.3%
Alkami Technology, Inc. logo
Alkami Technology, Inc.ALKT
$21.51M+16.4%
Diebold Nixdorf logo
Diebold NixdorfDBD
$994.8M-5.7%
ACI Worldwide logo
ACI WorldwideACIW
$836.55M-4.4%
Fidelity National Information Services logo
Fidelity National Information ServicesFIS

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 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

Calculated from nCino, Inc.’s reported figures.

Plus components not separately reported this period.

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 total debt?
nCino, Inc. (NCNO) reported total debt of $326.71M in Q1 2026.
How has nCino, Inc.'s total debt changed year-over-year?
nCino, Inc.'s total debt increased by 356.4% year-over-year, from $71.58M to $326.71M.
What is the long-term trend for nCino, Inc.'s total debt?
Over 5 years (2021 to 2026), nCino, Inc.'s total debt has grown at a 53.3% compound annual growth rate (CAGR), from $32.92M to $278.7M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.