nCino Inc 2026年季度报告

FORM 10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended April 30, 2026OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from __to __Commission File Number: 001-41211 nCino, Inc. (Exact name of Registrant as specified in its charter) 87-4154342(I.R.S. EmployerIdentification No.) Delaware (State or other jurisdiction ofincorporation or organization) 6770 Parker Farm DriveWilmington, North Carolina 28405(Address of principal executive offices including zip code) (888) 676-2466(Registrant’s telephone number, including area code) Securities Registered Pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90days.Yes☒No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerginggrowth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of theExchange Act. Accelerated filer☐Smaller reporting company☐ Large accelerated filer☒Non-accelerated filer☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancial accounting standards provided pursuant to Section13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: 109,552,950 shares of common stock, net oftreasury stock, $0.0005 par value per share, as of May 22, 2026. TABLE OF CONTENTS Cautionary Note Regarding Forward-Looking Statements Part I. Financial Information Item 1.Financial Statements1Condensed Consolidated Balance Sheets as of January 31, 2026 and April 30, 2026 (Unaudited)1Unaudited Condensed Consolidated Statements of Operations for the Three Months Ended April 30, 2025 and20262Unaudited Condensed Consolidated Statements of Comprehensive Income for the Three Months Ended April 30,2025 and 20263Unaudited Condensed Consolidated Statements of Stockholders’Equity for the Three Months Ended April 30,2025 and 20264Unaudited Condensed Consolidated Statements of Cash Flows for the Three Months Ended April 30, 2025 and20265Notes to Unaudited Condensed Consolidated Financial Statements7Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations26Item 3.Quantitative and Qualitative Disclosures About Market Risk38Item 4.Controls and Procedures39 Part II. Other Information Item 1.Legal Proceedings40Item 1A.Risk Factors40Item 2.Unregistered Sales of Equity Securities and Use of Proceeds40Item 3.Defaults Upon Senior Securities40Item 4.Mine Safety Disclosures40Item 5.Other Information41Item 6.Exhibits42Signatures43 CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This report contains forward-looking statements that are based on our beliefs and assumptions and on informationcurrently available to us. Forward-looking statements include information concerning our possible or assumed future results ofoperations, business strategies and plans, trends, market sizing, competitive position, industry environment, potential growthopportunities and product capabilities, among other things. Forward-looking statements include all statements that are not historicalfacts and, in some cases, can be identified by terms such as “aim,” “anticipates,” “believes,” “could,” “estimates,” “expects,” “goal,”“intends,” “may,” “plans,” “potential,” “predicts,” “projects,” “seeks,” “should,” “strive,” “will,” “would,” or similar expressions andthe negatives of those terms. Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actualresults, performance or achievements to be materially different from any future results, performance or achievements expressed orimplied by the forward-looking statements, including those described in “Risk Factors,” “Management’s Discussion and Analysis ofFinancial Condition and Results of Operations,” and elsewhere in this