nCino (NCNO) Total Debt (2021 - 2026)
nCino's (NCNO) quarterly Total Debt came in at $285.2 million in Q3 2026, up 40.13% year-over-year from $203.5 million in Q3 2025, and up 33.57% quarter-over-quarter from $213.5 million in Q1 2026.
Analysis
nCino (NCNO) Total Debt (2021 - 2026) Analysis & Trends
nCino has disclosed Total Debt across 6 years of filings, most recently posting $285.2 million for Q3 2026.
- In Q3 2026, Total Debt rose 40.13% year-over-year to $285.2 million; the TTM figure through Jul 2026 stood at $285.2 million (up 40.13% YoY), while the FY2026 annual figure was $213.5 million, up 28.61% from the prior year.
- Total Debt came in at $285.2 million for Q3 2026 at nCino, up from $213.5 million in the prior quarter.
- In the past five years, Total Debt ranged from a high of $285.2 million in Q3 2026 to a low of $15.0 million in Q2 2023.
- Average Total Debt over 5 years is $134.7 million, with a median of $166.0 million recorded in 2024.
- The largest YoY upside for Total Debt was 408.75% in 2025 against a maximum downside of 22.59% in 2025.
- Over 5 years, Total Debt stood at $30.0 million in 2022, then plunged by 50.0% to $15.0 million in 2023, then surged by 1006.67% to $166.0 million in 2024, then grew by 22.59% to $203.5 million in 2025, then surged by 40.13% to $285.2 million in 2026.
- Per Business Quant data, the three most recent Total Debt figures were $285.2 million in Q3 2026, $213.5 million in Q1 2026, and $203.5 million in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Total Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | 184.32 Mn |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 40.00 Mn |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 75.00 Mn |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | - |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | 285.16 Mn |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jul 31, 2026 | 285.16 Mn |
| Jan 31, 2026 | 213.50 Mn |
| Oct 31, 2025 | 203.50 Mn |
| Jul 31, 2025 | 203.50 Mn |
| Apr 30, 2025 | 208.50 Mn |
| Jan 31, 2025 | 166.00 Mn |
| Oct 31, 2024 | 166.00 Mn |
| Jul 31, 2024 | 40.00 Mn |
| Apr 30, 2024 | 55.00 Mn |
| Apr 30, 2023 | 15.00 Mn |
| Jan 31, 2023 | 30.00 Mn |
| Oct 31, 2022 | 30.00 Mn |
| Jan 31, 2021 | 4.36 Mn |