Every 10-Q that Ncino, Inc. (NCNO) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow NCNO and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full NCNO filings page.
nCino, Inc. (NCNO) reported higher scale and a move to profitability for the three and six months ended July 31, 2026. Total revenue was $161.0 million for the quarter, up 8.2%, and $320.4 million for six months, up 9.4%, driven by subscription revenue growth of 9.7% and 10.9% over the same periods. Mix continued to skew toward recurring revenue, with subscription revenue of $143.5 million in the quarter and $284.4 million year‑to‑date.
Profitability improved sharply. Quarterly net income attributable to nCino was $5.1 million versus a $15.3 million loss a year earlier, and six‑month net income was $18.7 million versus a $9.7 million loss. Operating cash flow was strong at $115.6 million for six months, up from $72.1 million, while remaining performance obligations were $1.4 billion, with about 65% expected to be recognized as revenue within 24 months.
The company increased leverage and returned substantial capital. Total debt rose to $275.4 million, including a new $200 million term loan used partly to fund a $100 million accelerated share repurchase. nCino repurchased 10.83 million shares for $175.0 million in the first half, reducing shares outstanding to 105.1 million net of treasury stock and contributing to a decline in stockholders’ equity from $1.06 billion to $929.8 million. Cash and cash equivalents were $83.3 million at July 31, 2026.
nCino, Inc. reported higher revenue and improved profitability for the quarter ended April 30, 2026. Total revenue rose to $159.4 million from $144.1 million, driven mainly by subscription revenue growth to $140.9 million, while professional services were roughly flat.
Gross profit increased to $100.9 million, expanding gross margin to 63.3%. Operating expenses declined as a percentage of revenue, turning an operating loss of $1.5 million a year earlier into operating income of $21.1 million. Net income attributable to nCino grew to $13.6 million, or $0.12 per diluted share.
Operating cash flow was strong at $81.4 million, supporting significant capital returns and balance sheet changes. The company repurchased 6.1 million shares for $93.1 million in the quarter and launched a $100 million accelerated share repurchase. It also added a $200 million term loan, bringing total debt to $263.5 million while ending the period with $103.1 million in cash and restricted cash and remaining performance obligations of $1.3 billion.
nCino, Inc. reported continued revenue growth driven by subscriptions while remaining unprofitable during the quarter. Total revenues rose to $148.8 million for the three months ended July 31, 2025, a 12.4% increase versus the prior year quarter, with subscription revenue up 14.8% to $130.8 million. For the six months ended July 31, 2025, revenues were $293.0 million, up 12.5% year-over-year; subscription revenue grew 14.3% to $256.3 million. The company recorded a net loss attributable to nCino, Inc. of $15.3 million for the quarter versus a $11.0 million loss a year earlier, and a six-month net loss of $9.7 million compared with a $14.0 million loss in the prior year period.
The balance sheet and liquidity picture reflects active capital deployment: a $250 million revolving credit facility with $203.5 million outstanding and $46.5 million availability as of July 31, 2025; remaining performance obligations stood at $1.2 billion, of which ~69% is expected to be recognized within 24 months. The company completed multiple acquisitions (DocFox, ILT, FullCircl, Sandbox Banking) during the period and announced a $100.0 million share repurchase authorization, repurchasing 2.6 million shares for $60.5 million through July 31, 2025. A restructuring plan reducing workforce by ~7% produced $10.1 million of charges in the quarter.