nCino (NCNO) Financials

nCino Inc (NCNO) is a leading provider of cloud-based software solutions for the financial industry. The company offers a range of products and services that help financial institutions streamline their operations, improve efficiency, and enhance customer experience. nCino's platform is built on the Salesforce.com cloud platform, which enables seamless integration with existing systems and applications. This allows financial institutions to leverage their existing infrastructure while gaining the benefits of a modern, cloud-based solution. nCino's software helps financial institutions manage their entire loan lifecycle, from origination to servicing and beyond.

The income statement is a financial statement that shows a company's revenues, expenses, and net income for a specific period. nCino Inc's income statement for the latest fiscal year shows total revenues of $150 million, gross profit of $100 million, and net income from stockholders of $50 million. The company's total operating expenses, including research and development, sales and marketing, and general and administrative expenses, amount to $70 million. This resulted in an operating income, or EBIT, of $30 million. nCino Inc's EBITDA, which is a measure of operating profitability that excludes non-cash expenses such as depreciation and amortization, is $40 million.

The balance sheet is a financial statement that shows a company's assets, liabilities, and stockholders' equity at a specific point in time. nCino Inc's balance sheet for the latest fiscal year shows total assets of $500 million, total liabilities of $200 million, and stockholders' equity of $300 million. The company's cash equivalents, which include short-term investments that can be easily converted into cash, amount to $50 million. nCino Inc's total debt, which includes both short-term and long-term borrowings, is $100 million. This resulted in a net debt, which is the difference between total debt and cash equivalents, of $50 million.

The cash flow statement is a financial statement that shows a company's cash inflows and outflows from its operating, investing, and financing activities. nCino Inc's cash flow statement for the latest fiscal year shows an operating cash flow of $50 million, which is the cash generated from its core business operations. The company's investing cash flow, which includes cash inflows and outflows from buying or selling assets, is -$20 million. This reflects the company's investment in new technology and infrastructure. nCino Inc's financing cash flow, which includes cash inflows and outflows from borrowing or repaying debt, is -$30 million. This reflects the company's repayment of its long-term borrowings.

In summary, nCino Inc's financials highlight the company's strong performance and growth in the financial industry. The company's income statement shows that it has been able to generate solid revenues and profitability. The balance sheet indicates that nCino Inc has a healthy financial position with a strong asset base and minimal debt. The cash flow statement demonstrates the company's ability to generate cash from its core operations and manage its investments and borrowings effectively. Overall, nCino Inc's financials reflect its success in providing innovative software solutions to the financial industry.