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nCino Balance Sheet 2026-2011 | NCNO
Brief balance sheet overview of nCino
The comparison uses five available annual reports from the 2022–2026 interval.
The asset base progressed from $1.3 billion to $1.6 billion, equal to +26.7% overall and about 6.1% per year.
Liabilities expanded faster than the asset base, +151.4% versus +26.7%. Debt-service capacity deserves attention.
Internal capital represents 64.1% of the balance sheet, previously 82.1%. This is a strong capital position.
The period ended with net cash: net debt stood at -$33.7 million. This supports financial flexibility.
The cash reserve occupies 5.4% of the balance sheet, previously 6.8%. It is one marker of short-term resilience.
Retained earnings remain negative at -$375.8 million. This may reflect past losses or substantial shareholder distributions, so earnings and buybacks provide important context.
Overall assessment
nCino's balance sheet is broadly resilient, though selected areas require monitoring. The balance between assets, equity and liabilities remains the key issue.
Annual Balance Sheet nCino
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-33.7 M | -64.6 M | -55.8 M | -23.8 M | -51 M | - | -91.2 M | -74.3 M | - | - | - | - | - | - | - | - |
Long Term Debt |
50.4 M | 51.2 M | 52.7 M | 54.4 M | 33.5 M | - | - | - | - | - | - | - | - | - | - | - |
Long Term Debt Current |
4.23 M | 5.15 M | 3.65 M | 3.87 M | 3.55 M | - | - | - | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 6.3 M | 1.52 M | - | - | - | - | - | - | - | - |
Total Current Liabilities |
294 M | 252 M | 215 M | 205 M | 174 M | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
579 M | 513 M | 288 M | 300 M | 231 M | - | 82.9 M | 53.9 M | - | - | - | - | - | - | - | - |
Deferred Revenue |
211 M | 191 M | 171 M | 155 M | 123 M | - | 58.9 M | 41.1 M | - | - | - | - | - | - | - | - |
Retained Earnings |
-376 M | -385 M | -353 M | -310 M | -210 M | - | -121 M | -105 M | - | - | - | - | - | - | - | - |
Total Assets |
1.65 B | 1.61 B | 1.34 B | 1.33 B | 1.3 B | - | 250 M | 120 M | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
88.4 M | 121 M | 112 M | 82 M | 88 M | 371 M | - | - | - | - | - | - | - | - | - | - |
Book Value |
1.07 B | 1.1 B | 1.05 B | 1.03 B | 1.07 B | - | 167 M | 66 M | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
1.06 B | 1.09 B | 1.05 B | 1.02 B | 1.07 B | 425 M | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Balance Sheet nCino
| 2027-Q1 | 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
253 M | 49.8 M | 50.2 M | 50.7 M | 49.8 M | 50.2 M | 50.7 M | 51.2 M | 51.6 M | - | 52.3 M | 52.7 M | 53.1 M | 53.4 M | 53.8 M | 54.4 M | 32.9 M | 33.1 M | 33.3 M | 15.9 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
623 M | 507 M | 549 M | 570 M | 507 M | 549 M | 570 M | 513 M | 423 M | - | 356 M | 288 M | 236 M | 270 M | 286 M | 300 M | 255 M | 252 M | 242 M | 134 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Deferred Revenue |
225 M | 152 M | 195 M | 204 M | 152 M | 195 M | 204 M | 191 M | 132 M | - | 180 M | 171 M | 130 M | 169 M | 172 M | 155 M | 117 M | 152 M | 144 M | 89.1 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
-361 M | -384 M | -393 M | -379 M | -384 M | -393 M | -379 M | -385 M | -370 M | - | -355 M | -353 M | -354 M | -338 M | -322 M | -310 M | -289 M | -266 M | -239 M | -161 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
1.61 B | 1.56 B | 1.62 B | 1.65 B | 1.56 B | 1.62 B | 1.65 B | 1.61 B | 1.52 B | - | 1.42 B | 1.34 B | 1.27 B | 1.3 B | 1.31 B | 1.33 B | 1.29 B | 1.3 B | 1.3 B | 563 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
103 M | 87.6 M | 123 M | 133 M | 87.6 M | 123 M | 133 M | 121 M | 258 M | 121 M | 129 M | 112 M | 100 M | 98 M | 98.1 M | 82 M | 106 M | 86.1 M | 78.7 M | 371 M | 381 M | 399 M | 387 M | 91.2 M | - | - | - | 74.3 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
984 M | 1.05 B | 1.07 B | 1.08 B | 1.05 B | 1.07 B | 1.08 B | 1.1 B | 1.09 B | - | 1.07 B | 1.05 B | 1.03 B | 1.03 B | 1.03 B | 1.03 B | 1.04 B | 1.04 B | 1.06 B | 429 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
970 M | 1.04 B | 1.06 B | 1.07 B | 1.04 B | 1.06 B | 1.07 B | 1.09 B | 1.09 B | 1.07 B | 1.06 B | 1.05 B | 1.03 B | 1.03 B | 1.03 B | 1.02 B | 1.03 B | 1.04 B | 1.05 B | 425 M | 416 M | 420 M | 425 M | 167 M | - | - | - | 66 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of nCino, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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