nCino, Inc. filings document the public-company disclosures of a Nasdaq-listed cloud banking software provider. The record includes Form 8-K reports on operating results, material credit agreements, senior secured borrowing arrangements, financial covenants, board composition, and compensatory or governance matters.
nCino proxy and stockholder-vote filings describe director elections, board structure, charter amendments, governance proposals and common stock voting matters. The company’s SEC disclosures also identify its registered common stock, capital structure, subsidiary-guaranteed credit facilities, and formal governance changes, including the transition toward annual director elections.
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. (NCNO) reported a strong second quarter of fiscal 2027, with total revenue of $161.0 million, up 8% from $148.8 million a year earlier, and subscription revenue of $143.5 million, up 10%. GAAP income from operations improved to $13.6 million from a loss of $(9.3) million, and GAAP operating margin reached 8%, while non-GAAP operating margin was 25%, both significantly higher year over year.
Net income attributable to nCino was $5.1 million versus a loss of $(15.3) million in the prior-year quarter. Free cash flow rose to $34.0 million from $12.6 million. The board authorized a new $100 million stock repurchase program after completing $300 million of repurchases since April 2025, including approximately 10.2 million shares repurchased in the second quarter for about $165 million. As of July 31, 2026, the company held $83.6 million in cash, cash equivalents and restricted cash and had $275.4 million outstanding under its credit facility.
For the third quarter of fiscal 2027, nCino guides to revenue of $161.25–$163.25 million and non-GAAP operating income of $42.0–$44.0 millionrevenue of $644.0–$647.0 million, non-GAAP operating income of $171.0–$174.0 million, free cash flow of $137.0–$142.0 million, and ACV at period end of $662.5–$667.5 million.
Senvest Management, LLC and Richard Mashaal report beneficial ownership of common stock of nCino Inc. They are associated with Senvest Master Fund, LP and Senvest Technology Partners Master Fund, LP, which hold 7,326,196 shares of nCino common stock.
This position represents 6.7% of the outstanding common stock, based on 109,552,950 shares outstanding as of May 22, 2026. Voting and dispositive power over these shares is reported as shared, and the reporting persons state that their ownership may be deemed indirect through their roles with the investment manager.
AQR Capital Management, LLC and its parent AQR Capital Management Holdings, LLC report beneficial ownership of nCino, Inc. common stock. They collectively beneficially own 7,102,050 shares of common stock, representing 6.48% of the class as of June 30, 2026.
Both entities report shared voting power over 6,685,905 shares and shared dispositive power over 7,102,050 shares, with no sole voting or dispositive power. AQR Capital Management, LLC is a wholly owned subsidiary of AQR Capital Management Holdings, LLC, and the Schedule is filed on behalf of both.
nCino, Inc. officer Jeanette Sellers, SVP of Accounting, reported selling a total of 2,423 shares of common stock. On August 4, 2026 she sold 887 shares at $19.218 solely to cover tax withholding on RSU vesting, a mandatory sale. On August 5, 2026 she sold 1,536 shares at $19.53 pursuant to a Rule 10b5-1 trading plan adopted on September 16, 2025.
nCino, Inc. executive April Rieger, Chief Legal & Administrative Officer and Secretary, reported the sale of 7,852 shares of common stock on August 4, 2026 at $19.218 per share. According to the footnote, the shares were sold to cover tax withholding upon RSU vesting under mandated equity incentive plan procedures and were not a discretionary trade. After this transaction, she directly holds 375,749 shares of nCino common stock.
nCino, Inc. Chief Financial Officer and Treasurer Gregory Orenstein reported a sale of 11,780 shares of common stock on August 4, 2026 at $19.218 per share. The shares were sold to cover RSU tax withholding mandated by the equity incentive plans and were not a discretionary trade. After this transaction, Orenstein directly holds 690,513 shares.
nCino, Inc. director Naude Pierre reported a sale of 4,677 shares of Common Stock on August 4, 2026 at $19.218 per share. The shares were sold to cover tax withholding due upon vesting of RSUs under the company’s equity incentive plans and are described as non-discretionary “sales to cover.” After this transaction, Pierre holds 1,116,707 shares directly.
nCino, Inc. director, CEO and President Sean Desmond exercised stock options for 8,064 shares of common stock at an exercise price of $4.98 on August 5, 2026, then sold a total of 40,490 shares at prices of $19.218 and $19.53. The August 4 sale of 28,675 shares was to cover tax withholding on RSU vesting and was not a discretionary trade, while the August 5 option exercise and related sale were effected pursuant to a Rule 10b5-1 trading plan adopted on January 6, 2026. After the option exercise, 180,292 option shares of this grant remained held directly.
nCino, Inc. insider Jeanette E. Sellers filed a notice to sell common stock under Form 144. The filing lists a proposed sale of 1,536 shares of common stock through Fidelity Brokerage Services on NASDAQ, with an aggregate market value of $29,998.08, compared with 109,552,950 shares outstanding. The shares relate to restricted stock that vested on August 1, 2026, received as compensation, and the filing also reports prior sales over the past three months.