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nCino Reports Second Quarter Fiscal Year 2025 Financial Results

• Total Revenues of $132.4M, up 13% year-over-year
• Subscription Revenues of $113.9M, up 14% year-over-year
• GAAP Operating Margin of (6)%, up ~650 basis points year-over-year
• Non-GAAP Operating Margin of 15%, up ~500 basis points year-over-year

WILMINGTON, N.C., Aug. 27, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced financial results for the second quarter of fiscal year 2025, ended July 31, 2024.

"We are pleased to report that we again exceeded quarterly guidance for total and subscription revenues as well as non-GAAP operating income," said Pierre Naudé, Chairman and CEO at nCino. "In the second quarter we saw particular strength in the U.S. across both the enterprise and community & regional segments, with increased demand for solutions that span the breadth of the nCino platform including consumer lending and deposit account opening, as well as our Generative AI offering, Banking Advisor. While some macro-economic challenges persist, particularly in the U.S. mortgage market and international markets, we have a positive outlook on the second half of the year."

Financial Highlights

  • Revenues: Total revenues for the second quarter of fiscal 2025 were $132.4 million, a 13% increase from $117.2 million in the second quarter of fiscal 2024. Subscription revenues for the second quarter were $113.9 million, up from $99.9 million one year ago, an increase of 14%.
  • Income (Loss) from Operations: GAAP loss from operations in the second quarter of fiscal 2025 was $(7.9) million compared to $(14.8) million in the same quarter of fiscal 2024. Non-GAAP operating income in the second quarter of fiscal 2025 was $19.3 million compared to $11.2 million in the second quarter of fiscal 2024.
  • Net Income (Loss) Attributable to nCino: GAAP net loss attributable to nCino in the second quarter of fiscal 2025 was $(11.0) million compared to $(15.9) million in the second quarter of fiscal 2024. Non-GAAP net income attributable to nCino in the second quarter of fiscal 2025 was $15.8 million compared to $9.9 million in the second quarter of fiscal 2024.
  • Net Income (Loss) Attributable to nCino per Share: GAAP net loss attributable to nCino in the second quarter of fiscal 2025 was $(0.10) per basic and diluted share compared to $(0.14) per basic and diluted share in the second quarter of fiscal 2024. Non-GAAP net income attributable to nCino in the second quarter was $0.14 per diluted share compared to $0.09 per diluted share in the second quarter of fiscal 2024.
  • Remaining Performance Obligation: Total Remaining Performance Obligation (RPO) as of July 31, 2024, was $1.041 billion, compared with $928.6 million as of July 31, 2023, an increase of 12%. RPO expected to be recognized in the next 24 months was $698.3 million, an increase of 10% from $636.2 million as of July 31, 2023.
  • Cash: Cash, cash equivalents, and restricted cash were $126.8 million as of July 31, 2024. During the second quarter, the Company repaid $15 million on its revolving credit facility.

Recent Business Highlights

  • Extended partnership with ABN AMRO, a Top 25 European Bank: As a result of the successful project and go-live, nCino and ABN AMRO have extended their partnership. By implementing nCino, ABN AMRO is unlocking added business value through enhanced collateral management and consolidating multiple legacy systems into one platform, unifying its end-to-end lending process for both customers and employees.
  • Completed Banking Advisor add-on with an approximately $45 billion-asset bank: A bank using nCino for Commercial lending, Mortgage POS, and multiple solutions powered by nIQ, including Commercial Pricing and Profitability and Automated Spreading became the first Enterprise customer to add Banking Advisor.
  • Signed largest bank customer to date for Portfolio Analytics: An over $20B asset institution became the largest bank by asset size to expand their use of the platform from Commercial lending and Deposit Account Opening to include Portfolio Analytics for CRE stress testing.
  • Extended relationship with largest client in the UK: Renewed relationship with a Top 5 European bank for an additional three years.

Financial Outlook
nCino is providing guidance for its third quarter ending October 31, 2024, as follows:

  • Total revenues between $136.0 million and $138.0 million.
  • Subscription revenues between $117.0 million and $119.0 million.
  • Non-GAAP operating income between $21.0 million and $22.0 million.
  • Non-GAAP net income attributable to nCino per diluted share of $0.15 to $0.16.

nCino is providing guidance for its fiscal year 2025 ending January 31, 2025, as follows:

  • Total revenues between $538.5 million and $544.5 million.
  • Subscription revenues between $463.0 million and $469.0 million.
  • Non-GAAP operating income between $87.0 million and $90.0 million.
  • Non-GAAP net income attributable to nCino per diluted share of $0.66 to $0.69.

Conference Call
nCino will host a conference call at 4:30 p.m. ET today to discuss its financial results and outlook. The conference call will be available via live webcast and replay at the Investor Relations section of nCino’s website: https://investor.ncino.com/news-events/events-and-presentations

About nCino
nCino (NASDAQ: NCNO) is the worldwide leader in cloud banking. Through its single software-as-a-service (SaaS) platform, nCino helps financial institutions serving corporate and commercial, small business, consumer, and mortgage customers modernize and more effectively onboard clients, make loans, manage the loan lifecycle, and open accounts. Transforming how financial institutions operate through innovation, reputation and speed, nCino is partnered with more than 1,800 financial services providers globally. For more information, visit www.ncino.com.

CONTACTS
INVESTOR CONTACT
Harrison Masters
nCino
+1 910.734.7743
Harrison.masters@ncino.com

MEDIA CONTACT
Natalia Moose
nCino
natalia.moose@ncino.com

Forward-Looking Statements:
This press release contains forward-looking statements about nCino's financial and operating results, which include statements regarding nCino’s future performance, outlook, guidance, the assumptions underlying those statements, the benefits from the use of nCino’s solutions, our strategies, and general business conditions. Forward-looking statements generally include actions, events, results, strategies and expectations and are often identifiable by use of the words “believes,” “expects,” “intends,” “anticipates,” “plans,” “seeks,” “estimates,” “projects,” “may,” “will,” “could,” “might,” or “continues” or similar expressions and the negatives thereof. Any forward-looking statements contained in this press release are based upon nCino’s historical performance and its current plans, estimates, and expectations and are not a representation that such plans, estimates, or expectations will be achieved. These forward-looking statements represent nCino’s expectations as of the date of this press release. Subsequent events may cause these expectations to change and, except as may be required by law, nCino does not undertake any obligation to update or revise these forward-looking statements. These forward-looking statements are subject to known and unknown risks and uncertainties that may cause actual results to differ materially including, but not limited to risks associated with (i) adverse changes in the financial services industry, including as a result of customer consolidation or bank failures; (ii) adverse changes in economic, regulatory, or market conditions, including as a direct or indirect consequence of higher interest rates; (iii) risks associated with acquisitions we undertake, (iv) breaches in our security measures or unauthorized access to our customers’ or their clients' data; (v) the accuracy of management’s assumptions and estimates; (vi) our ability to attract new customers and succeed in having current customers expand their use of our solution; (vii) competitive factors, including pricing pressures, consolidation among competitors, entry of new competitors, the launch of new products and marketing initiatives by our competitors, and difficulty securing rights to access or integrate with third party products or data used by our customers; (viii) the rate of adoption of our newer solutions and the results of our efforts to sustain or expand the use and adoption of our more established solutions; (ix) fluctuation of our results of operations, which may make period-to-period comparisons less meaningful; (x) our ability to manage our growth effectively including expanding outside of the United States; (xi) adverse changes in our relationship with Salesforce; (xii) our ability to successfully acquire new companies and/or integrate acquisitions into our existing organization; (xiii) the loss of one or more customers, particularly any of our larger customers, or a reduction in the number of users our customers purchase access and use rights for; (xiv) system unavailability, system performance problems, or loss of data due to disruptions or other problems with our computing infrastructure or the infrastructure we rely on that is operated by third parties; (xv) our ability to maintain our corporate culture and attract and retain highly skilled employees; and (xvi) the outcome and impact of legal proceedings and related fees and expenses.

Additional risks and uncertainties that could affect nCino’s business and financial results are included in our reports filed with the U.S. Securities and Exchange Commission (available on our web site at www.ncino.com or the SEC's web site at www.sec.gov). Further information on potential risks that could affect actual results will be included in other filings nCino makes with the SEC from time to time.

nCino, Inc.
 
CONDENSED CONSOLIDATED BALANCE SHEETS
(In thousands)
(Unaudited)
 
 January 31, 2024 July 31, 2024
Assets   
Current assets   
Cash and cash equivalents$112,085  $121,410 
Accounts receivable, net 112,975   78,819 
Costs capitalized to obtain revenue contracts, current portion, net 10,544   11,565 
Prepaid expenses and other current assets 15,171   16,957 
Total current assets 250,775   228,751 
Property and equipment, net 79,145   76,785 
Operating lease right-of-use assets, net 19,261   15,928 
Costs capitalized to obtain revenue contracts, noncurrent, net 17,425   19,137 
Goodwill 838,869   908,000 
Intangible assets, net 115,572   135,524 
Investments 9,294   9,294 
Long-term prepaid expenses and other assets 10,089   15,328 
Total assets$1,340,430  $1,408,747 
Liabilities, redeemable non-controlling interest, and stockholders’ equity   
Current liabilities   
Accounts payable$11,842  $13,137 
Accrued compensation and benefits 16,283   11,555 
Accrued expenses and other current liabilities 10,847   7,930 
Deferred revenue, current portion 170,941   172,038 
Financing obligations, current portion 1,474   1,567 
Operating lease liabilities, current portion 3,649   4,750 
Total current liabilities 215,036   210,977 
Operating lease liabilities, noncurrent 16,423   12,508 
Deferred income taxes, noncurrent 3,687   11,196 
Deferred revenue, noncurrent    569 
Revolving credit facility, noncurrent    40,000 
Financing obligations, noncurrent 52,680   51,865 
Other long-term liabilities    2,644 
Total liabilities 287,826   329,759 
Commitments and contingencies   
Redeemable non-controlling interest 3,428   4,133 
Stockholders’ equity   
Common stock 57   58 
Additional paid-in capital 1,400,881   1,439,245 
Accumulated other comprehensive income 996   1,407 
Accumulated deficit (352,758)  (365,855)
Total stockholders’ equity 1,049,176   1,074,855 
Total liabilities, redeemable non-controlling interest, and stockholders’ equity$1,340,430  $1,408,747 
        


nCino, Inc.
 
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
(In thousands, except share and per share data)
(Unaudited)
 
 Three Months Ended July 31, Six Months Ended July 31,
  2023   2024   2023   2024 
Revenues       
Subscription$99,897  $113,911  $197,237  $224,317 
Professional services and other 17,339   18,492   33,671   36,173 
Total revenues 117,236   132,403   230,908   260,490 
Cost of revenues       
Subscription 29,719   33,367   58,876   65,147 
Professional services and other 18,328   20,564   35,359   39,964 
Total cost of revenues 48,047   53,931   94,235   105,111 
    Gross profit 69,189   78,472   136,673   155,379 
        Gross margin % 59%  59%  59%  60%
Operating expenses       
Sales and marketing 32,164   31,713   62,105   59,758 
Research and development 29,889   34,271   58,084   64,252 
General and administrative 21,930   20,394   39,905   42,938 
Total operating expenses 83,983   86,378   160,094   166,948 
    Loss from operations (14,794)  (7,906)  (23,421)  (11,569)
Non-operating income (expense)       
Interest income 835   321   1,372   926 
Interest expense (1,044)  (1,835)  (2,423)  (3,312)
Other income (expense), net 469   150   (313)  (594)
    Loss before income taxes (14,534)  (9,270)  (24,785)  (14,549)
Income tax provision (benefit) 1,545   1,753   2,938   (1,229)
    Net loss (16,079)  (11,023)  (27,723)  (13,320)
    Net loss attributable to redeemable non-controlling interest (268)  (58)  (548)  (223)
Adjustment attributable to redeemable non-controlling interest 73   75   (48)  919 
    Net loss attributable to nCino, Inc.$(15,884) $(11,040) $(27,127) $(14,016)
Net loss per share attributable to nCino, Inc.:       
Basic and diluted$(0.14) $(0.10) $(0.24) $(0.12)
Weighted average number of common shares outstanding:       
Basic and diluted 112,396,716   115,180,130   112,262,527   114,694,001 
                


nCino, Inc.
 
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
(In thousands)
(Unaudited)
  
 Six Months Ended July 31,
  2023   2024 
Cash flows from operating activities   
Net loss attributable to nCino, Inc.$(27,127) $(14,016)
Net loss and adjustment attributable to redeemable non-controlling interest (596)  696 
Net loss (27,723)  (13,320)
Adjustments to reconcile net loss to net cash provided by operating activities:   
Depreciation and amortization 18,297   17,219 
Non-cash operating lease costs 2,421   2,715 
Amortization of costs capitalized to obtain revenue contracts 4,869   5,645 
Amortization of debt issuance costs 92   31 
Stock-based compensation 26,146   35,044 
Deferred income taxes 790   (2,656)
Provision for bad debt 756   25 
Net foreign currency losses (gains) (38)  392 
Loss on disposal of long-lived assets 144   30 
Change in operating assets and liabilities:   
Accounts receivable 18,446   37,778 
Costs capitalized to obtain revenue contracts (3,002)  (8,382)
Prepaid expenses and other assets 1,051   (2,430)
Accounts payable (1,406)  768 
Accrued expenses and other liabilities (9,313)  (8,645)
Deferred revenue 13,772   (2,572)
Operating lease liabilities (2,035)  (2,201)
Net cash provided by operating activities 43,267   59,441 
Cash flows from investing activities   
Acquisition of business, net of cash acquired    (90,839)
Acquisition of assets (356)  (300)
Purchases of property and equipment (2,464)  (786)
Net cash used in investing activities (2,820)  (91,925)
Cash flows from financing activities   
Proceeds from borrowings on revolving credit facility    75,000 
Payments on revolving credit facility (30,000)  (35,000)
Payments of debt issuance costs    (370)
Exercise of stock options 2,204   1,737 
Stock issuance under the employee stock purchase plan 2,698   2,514 
Principal payments on financing obligations (564)  (722)
Net cash provided by (used in) financing activities (25,662)  43,159 
Effect of foreign currency exchange rate changes on cash, cash equivalents, and restricted cash 1,166   (1,354)
Net increase in cash, cash equivalents, and restricted cash 15,951   9,321 
Cash, cash equivalents, and restricted cash, beginning of period 87,418   117,444 
Cash, cash equivalents, and restricted cash, end of period$103,369  $126,765 
    
Reconciliation of cash, cash equivalents, and restricted cash, end of period:   
Cash and cash equivalents$98,003  $121,410 
Restricted cash included in prepaid expenses and other current assets 5,162    
Restricted cash included in long-term prepaid expenses and other assets 204   5,355 
Total cash, cash equivalents, and restricted cash, end of period$103,369  $126,765 
        

Non-GAAP Financial Measures
In nCino’s public disclosures, nCino has provided non-GAAP measures, which are measurements of financial performance that have not been prepared in accordance with generally accepted accounting principles in the United States, or GAAP. In addition to its GAAP measures, nCino uses these non-GAAP financial measures internally for budgeting and resource allocation purposes and in analyzing our financial results. For the reasons set forth below, nCino believes that excluding the following items provides information that is helpful in understanding our operating results, evaluating our future prospects, comparing our financial results across accounting periods, and comparing our financial results to our peers, many of which provide similar non-GAAP financial measures.

  • Amortization of Purchased Intangibles. nCino incurs amortization expense for purchased intangible assets in connection with certain mergers and acquisitions. Because these costs have already been incurred, cannot be recovered, are non-cash, and are affected by the inherent subjective nature of purchase price allocations, nCino excludes these expenses for our internal management reporting processes. nCino’s management also finds it useful to exclude these charges when assessing the appropriate level of various operating expenses and resource allocations when budgeting, planning and forecasting future periods. Although nCino excludes amortization expense for purchased intangibles from these non-GAAP measures, management believes it is important for investors to understand that such intangible assets were recorded as part of purchase accounting and contribute to revenue generation.

  • Stock-Based Compensation Expenses. nCino excludes stock-based compensation expenses primarily because they are non-cash expenses that nCino excludes from our internal management reporting processes. nCino’s management also finds it useful to exclude these expenses when they assess the appropriate level of various operating expenses and resource allocations when budgeting, planning and forecasting future periods. Moreover, because of varying available valuation methodologies, subjective assumptions and the variety of award types that companies can use, nCino believes excluding stock-based compensation expenses allows investors to make meaningful comparisons between our recurring core business operating results and those of other companies.

  • Acquisition-Related Expenses. nCino excludes expenses related to acquisitions as they limit comparability of operating results with prior periods. We believe these costs, which are primarily related to legal, consulting and other professional services fees, are non-recurring in nature and outside the ordinary course of business.

  • Litigation Expenses. nCino excludes fees and expenses related to litigation expenses incurred from legal matters outside the ordinary course of our business as we believe their exclusion from non-GAAP operating expenses will facilitate a more meaningful explanation of operating results and comparisons with prior period results.

  • Restructuring Costs. nCino excludes costs incurred related to bespoke restructuring plans and other one-time costs that are fundamentally different in strategic nature and frequency from ongoing initiatives. We believe excluding these costs facilitates a more consistent comparison of operating performance over time.

  • Tax Benefit Related to Acquisitions. In connection with deferred tax liabilities assumed from acquisitions, nCino may reduce the valuation allowance against deferred tax assets, resulting in a one-time tax benefit recorded in Income tax provision (benefit). We believe that the exclusion of this benefit from our non-GAAP net income attributable to nCino and non-GAAP net income attributable to nCino per share provides a more direct comparison to all periods presented.

  • Income Tax Effect on Non-GAAP Adjustments. The income tax effects are related to the imputed tax impact on the difference between GAAP and non-GAAP costs and expenses.

  • Adjustment to Redeemable Non-Controlling Interest. nCino adjusts the value of redeemable non-controlling interest of its joint venture nCino K.K. in accordance with the operating agreement for that entity. nCino believes investors benefit from an understanding of the company’s operating results absent the effect of this adjustment, and for comparability, has reconciled this adjustment for previously reported non-GAAP results.

There are limitations to using non-GAAP financial measures because non-GAAP financial measures are not prepared in accordance with GAAP and may be different from non-GAAP financial measures provided by other companies. The non-GAAP financial measures are limited in value because they exclude certain items that may have a material impact upon our reported financial results. In addition, they are subject to inherent limitations as they reflect the exercise of judgments by nCino’s management about which items are adjusted to calculate its non-GAAP financial measures. nCino compensates for these limitations by analyzing current and future results on a GAAP basis as well as a non-GAAP basis and also by providing GAAP measures in its public disclosures. Non-GAAP financial measures should not be considered in isolation from, or as a substitute for, financial information prepared in accordance with GAAP. nCino encourages investors and others to review our financial information in its entirety, not to rely on any single financial measure to evaluate our business, and to view our non-GAAP financial measures in conjunction with the most directly comparable GAAP financial measures. A reconciliation of GAAP to the non-GAAP financial measures has been provided in the tables below. 

nCino, Inc.
 
RECONCILIATION OF GAAP TO NON-GAAP MEASURES
(In thousands, except share and per share data)
(Unaudited)
 
 Three Months Ended July 31, Six Months Ended July 31,
  2023   2024   2023   2024 
GAAP total revenues$117,236  $132,403  $230,908  $260,490 
        
GAAP cost of subscription revenues$29,719  $33,367  $58,876  $65,147 
Amortization expense - developed technology (4,190)  (4,404)  (8,441)  (8,522)
Stock-based compensation (485)  (793)  (799)  (1,355)
Restructuring charges (21)     (39)   
Non-GAAP cost of subscription revenues$25,023  $28,170  $49,597  $55,270 
        
GAAP cost of professional services and other revenues$18,328  $20,564  $35,359  $39,964 
Amortization expense - other (83)  (83)  (165)  (165)
Stock-based compensation (2,460)  (2,980)  (4,089)  (5,759)
Restructuring charges (46)     (92)   
Non-GAAP cost of professional services and other revenues$15,739  $17,501  $31,013  $34,040 
        
GAAP gross profit$69,189  $78,472  $136,673  $155,379 
Amortization expense - developed technology 4,190   4,404   8,441   8,522 
Amortization expense - other 83   83   165   165 
Stock-based compensation 2,945   3,773   4,888   7,114 
Restructuring charges 67      131    
Non-GAAP gross profit$76,474  $86,732  $150,298  $171,180 
        
The following table sets forth reconciling items as a percentage of total revenue for the periods presented.1
GAAP gross margin % 59%  59%  59%  60%
Amortization expense - developed technology 4   3   4   3 
Amortization expense - other           
Stock-based compensation 3   3   2   3 
Restructuring charges           
Non-GAAP gross margin % 65%  66%  65%  66%
        
GAAP sales & marketing expense$32,164  $31,713  $62,105  $59,758 
Amortization expense - customer relationships (2,167)  (2,730)  (4,335)  (5,153)
Amortization expense - trade name (604)  (104)  (1,208)  (147)
Amortization expense - other    (28)     (44)
Stock-based compensation (3,830)  (4,184)  (7,041)  (8,140)
Restructuring charges (38)     (76)   
Non-GAAP sales & marketing expense$25,525  $24,667  $49,445  $46,274 
        
GAAP research & development expense$29,889  $34,271  $58,084  $64,252 
Stock-based compensation (4,279)  (5,286)  (7,279)  (9,512)
Restructuring charges (131)     (265)   
Non-GAAP research & development expense$25,479  $28,985  $50,540  $54,740 
        
GAAP general & administrative expense$21,930  $20,394  $39,905  $42,938 
Stock-based compensation (4,227)  (5,596)  (6,938)  (10,278)
Acquisition-related expenses (212)  (947)  (423)  (5,987)
Litigation expenses (3,204)  (69)  (4,349)  (250)
Restructuring charges (2)     (5)   
Non-GAAP general & administrative expense$14,285  $13,782  $28,190  $26,423 
        
GAAP loss from operations$(14,794) $(7,906) $(23,421) $(11,569)
Amortization of intangible assets 7,044   7,349   14,149   14,031 
Stock-based compensation 15,281   18,839   26,146   35,044 
Acquisition-related expenses 212   947   423   5,987 
Litigation expenses 3,204   69   4,349   250 
Restructuring charges 238      477    
Non-GAAP operating income$11,185  $19,298  $22,123  $43,743 
        
The following table sets forth reconciling items as a percentage of total revenue for the periods presented.1
GAAP operating margin %(13)% (6)% (10)% (4)%
Amortization of intangible assets 6   6   6   5 
Stock-based compensation 13   14   11   13 
Acquisition-related expenses    1      2 
Litigation expenses 3      2    
Restructuring charges           
Non-GAAP operating margin % 10%  15%  10%  17%
        
GAAP net loss attributable to nCino, Inc.$(15,884) $(11,040) $(27,127) $(14,016)
Amortization of intangible assets 7,044   7,349   14,149   14,031 
Stock-based compensation 15,281   18,839   26,146   35,044 
Acquisition-related expenses 212   947   423   5,987 
Litigation expenses 3,204   69   4,349   250 
Restructuring charges 238      477    
Tax benefit related to acquisition          (3,609)
Income tax effect on non-GAAP adjustments (225)  (454)  (379)  (793)
Adjustment attributable to redeemable non-controlling interest 73   75   (48)  919 
Non-GAAP net income attributable to nCino, Inc.$9,943  $15,785  $17,990  $37,813 
        
Basic and diluted GAAP net loss attributable to nCino, Inc. per share$(0.14) $(0.10) $(0.24) $(0.12)
Weighted-average shares used to compute basic and diluted GAAP net loss attributable to nCino, Inc. per share 112,396,716   115,180,130   112,262,527   114,694,001 
        
Basic non-GAAP net income attributable to nCino, Inc. per share$0.09  $0.14  $0.16  $0.33 
Weighted-average shares used to compute basic non-GAAP net income attributable to nCino, Inc. per share 112,396,716   115,180,130   112,262,527   114,694,001 
        
Diluted non-GAAP net income attributable to nCino, Inc. per share$0.09  $0.14  $0.16  $0.32 
Weighted-average shares used to compute diluted non-GAAP net income attributable to nCino, Inc. per share 114,549,192   116,849,057   114,336,289   116,706,457 
        
Free cash flow       
Net cash provided by operating activities$11,964  $4,999  $43,267  $59,441 
Purchases of property and equipment (859)  (444)  (2,464)  (786)
Free cash flow$11,105  $4,555  $40,803  $58,655 
Principal payments on financing obligations2 (320)  (363)  (564)  (722)
Free cash flow less principal payments on financing obligations$10,785  $4,192  $40,239  $57,933 
                

1Columns may not foot due to rounding.
2These amounts represent the non-interest component of payments towards financing obligations for facilities.

CONTACTS

INVESTOR CONTACT
Harrison Masters
nCino
+1 910.734.7743
Harrison.masters@ncino.com

MEDIA CONTACT
Natalia Moose
nCino
Natalia.moose@ncino.com


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