nCino (NCNO) Debt Ratio (2022 - 2026)

nCino's (NCNO) quarterly Debt Ratio came in at 0.13 in Q1 2026, up 25.67% year-on-year from 0.1 in Q1 2025, and down 0.62% quarter-over-quarter from 0.13 in Q4 2025.

nCino (NCNO) Debt Ratio (2022 - 2026) Analysis & Trends

nCino has disclosed Debt Ratio across 5 years of filings, most recently posting 0.13 for Q1 2026.

  • Debt Ratio for Q1 2026 came in at 0.13, up 25.67% year-over-year; the trailing twelve-month figure through Jan 2026 was 0.13 (up 25.67% YoY), and the FY2026 annual result was 0.13, up 25.67% from the prior year.
  • Debt Ratio came in at 0.13 for Q1 2026 at nCino, down from 0.13 in the prior quarter.
  • In the past five years, Debt Ratio ranged from a high of 0.13 in Q4 2025 to a low of 0.01 in Q2 2023.
  • The 5-year median for Debt Ratio is 0.1 (2025), against an average of 0.08.
  • Peak annual rise in Debt Ratio reached 343.5% in 2025, while the deepest fall reached 19.09% in 2025.
  • nCino's Debt Ratio stood at 0.02 in 2022, then slumped by 50.88% to 0.01 in 2023, then soared by 859.16% to 0.11 in 2024, then gained by 19.09% to 0.13 in 2025, then retreated by 0.62% to 0.13 in 2026.
  • The last three Debt Ratio figures came in at 0.13 (Q1 2026), 0.13 (Q4 2025), and 0.13 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Sap Se 238.14 Bn 220.17 Bn 8.16 Bn 0.08
2 Full Truck Alliance 166.83 Bn 164.28 Bn - 0.00
3 Uber Technologies 150.36 Bn 149.32 Bn 11.88 Bn 0.18
4 Shopify 147.75 Bn 142.01 Bn 1.55 Bn -
5 Salesforce 140.39 Bn 128.55 Bn 8.56 Bn 0.37
6 Cadence Design Systems 105.73 Bn 104.32 Bn 1.26 Bn 0.24
7 ServiceNow 105.42 Bn 100.24 Bn 2.83 Bn -
8 Automatic Data Processing 89.57 Bn 86.34 Bn 2.87 Bn 0.06
9 Adobe 85.05 Bn 78.16 Bn 5.90 Bn 0.06
10 nCino 1.68 Bn 1.60 Bn 91.92 Mn 0.13

Historic Data

Download Data
DateValue
Jan 31, 2026 0.13
Oct 31, 2025 0.13
Jul 31, 2025 0.13
Apr 30, 2025 0.13
Jan 31, 2025 0.10
Oct 31, 2024 0.11
Jul 31, 2024 0.03
Apr 30, 2024 0.04
Apr 30, 2023 0.01
Jan 31, 2023 0.02
Oct 31, 2022 0.02