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Segment Information - Schedule of Revenues by Geographic Region (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Net revenue by geographic region
Revenues	$ 594,781	$ 540,657	$ 476,543
United States
Net revenue by geographic region
Revenues	463,261	424,432	387,201
United Kingdom
Net revenue by geographic region
Revenues	72,755	56,517	41,894
Other
Net revenue by geographic region
Revenues	$ 58,765	$ 59,708	$ 47,448

- Definition

Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.

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+ Details

Stockholders’ Equity and Stock-Based Compensation - Schedule of Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Total stock-based compensation expense	$ 73,884	$ 71,592	$ 58,035
Cost of revenues \| Subscriptions
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Total stock-based compensation expense	3,123	2,891	1,847
Cost of revenues \| Professional services and other
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Total stock-based compensation expense	12,373	11,977	9,369
Sales and marketing
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Total stock-based compensation expense	14,307	17,016	15,417
Research and development
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Total stock-based compensation expense	15,835	17,416	15,942
General and administrative
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Total stock-based compensation expense	$ 28,246	$ 22,292	$ 15,460

Summary of Business and Significant Accounting Policies - Schedule of Property, Plant and Equipment Estimated Useful Lives (Details)	Jan. 31, 2026
Furniture and fixtures \| Minimum
Property, Plant and Equipment [Line Items]
Estimated Useful Life	3 years
Furniture and fixtures \| Maximum
Property, Plant and Equipment [Line Items]
Estimated Useful Life	7 years
Computers and equipment
Property, Plant and Equipment [Line Items]
Estimated Useful Life	3 years
Buildings
Property, Plant and Equipment [Line Items]
Estimated Useful Life	40 years

Restructuring - Schedule of Restructuring and Related Costs (Details) - USD ($)	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Restructuring Cost and Reserve [Line Items]
Severance and other employee costs	$ 7,011,000
Exit Costs	1,733,000		$ 627,000
Asset Write-offs	1,333,000
Total	$ 10,077,000	$ 0
Restructuring Charges, Statement of Income or Comprehensive Income [Extensible Enumeration]	Operating Expenses
Sales and marketing
Restructuring Cost and Reserve [Line Items]
Severance and other employee costs	$ 1,274,000
Exit Costs	128,000		100,000
Asset Write-offs	42,000
Total	$ 1,444,000
Restructuring Charges, Statement of Income or Comprehensive Income [Extensible Enumeration]	Sales and marketing
Research and development
Restructuring Cost and Reserve [Line Items]
Severance and other employee costs	$ 3,710,000
Exit Costs	221,000		352,000
Asset Write-offs	73,000
Total	$ 4,004,000
Restructuring Charges, Statement of Income or Comprehensive Income [Extensible Enumeration]	Research and development
General and administrative
Restructuring Cost and Reserve [Line Items]
Severance and other employee costs	$ 1,071,000
Exit Costs	1,192,000		6,000
Asset Write-offs	1,155,000
Total	$ 3,418,000
Restructuring Charges, Statement of Income or Comprehensive Income [Extensible Enumeration]	General and administrative
Subscriptions
Restructuring Cost and Reserve [Line Items]
Severance and other employee costs	$ 422,000
Exit Costs	53,000		51,000
Asset Write-offs	17,000
Total	492,000
Professional services and other
Restructuring Cost and Reserve [Line Items]
Severance and other employee costs	534,000
Exit Costs	139,000		$ 118,000
Asset Write-offs	46,000
Total	$ 719,000

Summary of Business and Significant Accounting Policies

12 Months Ended

Jan. 31, 2026

Accounting Policies [Abstract]

Summary of Business and Significant Accounting Policies

Description of Business: nCino, Inc., together with its subsidiaries (collectively “the Company”), is a cloud banking company that provides software solutions to financial institutions to streamline employee and client interactions. The Company is headquartered in Wilmington, North Carolina and has various locations in the U.S., North America, Europe, Asia Pacific, and South Africa. Unless otherwise indicated or the context otherwise requires, references to “we,” “us,” “our,” “nCino,” and the “Company” refer to nCino, Inc. and its consolidated subsidiaries.

Fiscal Year End: The Company’s fiscal year ends on January 31. References to fiscal year 2026, for example, refer to the fiscal year ended January 31, 2026.

Principles of Consolidation and Basis of Presentation: The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles in the United States of America (“GAAP”) as set forth in the Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”). The consolidated financial statements include accounts of the Company’s wholly-owned subsidiaries as well as a variable interest entity in which the Company is the primary beneficiary. All intercompany balances and transactions have been eliminated in consolidation.

Use of Estimates: The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Significant estimates and assumptions made by the Company’s management are used for, but not limited to, revenue recognition including determining the nature and timing of satisfaction of performance obligations, variable consideration, and stand-alone selling price; the average period of benefit associated with costs capitalized to obtain revenue contracts; fair value of assets acquired and liabilities assumed for business combinations; fair value of contingent consideration; the useful lives of intangible assets; income taxes and the related valuation allowance on deferred tax assets; redemption value of redeemable non-controlling interest; and stock-based compensation. The Company assesses these estimates on a regular basis using historical experience and other factors. Actual results could differ from these estimates.

Segments: The Company operates as one operating segment. Operating segments are defined as components of an enterprise for which separate financial information is available and evaluated regularly by the chief operating decision maker (“CODM”), which is the Company’s Chief Executive Officer, in deciding how to make operating decisions, allocate resources, and assess performance. The Company’s CODM allocates resources and assesses performance at the consolidated level.

Concentration of Credit Risk and Significant Customers: The Company’s financial instruments that are exposed to concentration of credit risk consist primarily of cash, cash equivalents, restricted cash, and accounts receivable. The Company’s cash and cash equivalents exceeded federally insured limits at January 31, 2025 and 2026. The Company maintains its cash, cash equivalents, and restricted cash with high-credit-quality financial institutions.

As of January 31, 2025 and 2026, no individual customer represented more than 10% of accounts receivable. For the fiscal years ended January 31, 2024, 2025, and 2026, no individual customer represented more than 10% of the Company’s total revenues.

Revenue Recognition: The Company derives revenues primarily from subscription services and professional services. Revenues are recognized when a contract exists between the Company and a customer and upon transfer of control of promised products or services to customers in an amount that reflects the consideration the Company expects to receive in exchange for those products or services. The Company enters into contracts that can include various combinations of subscription and professional services, which may be capable of being distinct and accounted for as separate performance obligations, or in the case of offerings such as subscription services and support, accounted for as a single performance obligation. Revenues are recognized net of allowances and any taxes collected from customers, which are subsequently remitted to governmental authorities.

The Company determines revenue recognition through the following steps:

•Identification of the contract, or contracts, with a customer;

•Identification of the performance obligations in the contract;

•Determination of the transaction price;

•Allocation of the transaction price to the performance obligations in the contract; and

•Recognition of revenues when, or as, the Company satisfies a performance obligation.

Subscription Revenues

Subscription revenues primarily consist of fees for providing customers access to the Company’s solutions, with routine customer support and maintenance related to email and phone support, bug fixes, and unspecified software updates, and upgrades released when and if available during the maintenance term. Revenues are generally recognized on a ratable basis over the contract term beginning on the date that the Company’s service is made available to the customer, which the Company believes best reflects the manner in which the Company’s customers utilize the Company’s subscription offerings. Arrangements with customers do not provide the customer with the right to take possession of the software supporting the Company’s solutions at any time and, as a result, are accounted for as a service contract. Generally, the Company’s subscription contracts are three to five years in length, billed annually in advance, are non-cancelable, and do not contain refund-type provisions. U.S. mortgage contracts are generally billed monthly. Subscription arrangements that are cancelable generally have penalty clauses.

Professional Services and Other Revenues

Professional services revenues primarily consist of fees for deployment, configuration, and optimization services, as well as training. The majority of the Company’s professional services contract revenues are recognized over time based on a proportional performance methodology which utilizes input methods. The Company’s professional services contracts are billed on a time and materials or fixed fee basis.

Contracts with Multiple Performance Obligations

Most of the Company’s contracts with customers contain multiple performance obligations. For these contracts, the Company accounts for individual performance obligations separately if they are distinct. The transaction price is allocated to the separate performance obligations on a relative standalone selling price (“SSP”) basis. The Company determines SSP by considering its overall pricing objectives and market conditions. Significant pricing practices taken into consideration include the Company’s discounting practices, the size and volume of the Company’s transactions, the customer demographic, the geographic area where services are sold, price lists, the Company’s go-to-market strategy, historical sales, and contract prices. As the Company’s go-to-market strategies evolve, the Company may modify its pricing practices in the future, which could result in changes to SSP.

Given the variability of pricing, the Company uses a range of SSP. The Company determines the SSP range using information that may include market conditions or other observable inputs. The Company typically has more than one SSP for individual products and services due to the stratification of products and services by customer size.

Costs Capitalized to Obtain Revenue Contracts

The Company capitalizes incremental costs of obtaining a non-cancelable subscription and support revenue contract if the Company expects the benefit of those costs to be longer than one year. The capitalized amounts are subsequently amortized over the estimated period of benefit. Capitalized amounts consist primarily of sales commissions paid to the Company’s direct sales force. Capitalized amounts also include (1) amounts paid to employees other than the direct sales force who earn incentive payouts under annual compensation plans that are tied to the value of contracts acquired and (2) the associated payroll taxes and fringe benefit costs associated with the payments to these employees. Capitalized costs related to

new revenue contracts or on upsell of existing contracts are amortized on a straight-line basis over four to five years, which, although longer than the typical initial contract period, reflects the average period of benefit, including expected contract renewals. In arriving at this average period of benefit, the Company evaluated both qualitative and quantitative factors which included the estimated life cycles of its offerings and its customer attrition. Commissions paid relating to contract renewals are not commensurate with sales commissions paid on initial contracts and as such are deferred and amortized over the related renewal period. The capitalized amounts are recoverable through future revenue streams under all non-cancelable customer contracts. The Company periodically evaluates whether there have been any changes in its business, the market conditions in which it operates, or other events which would indicate that its amortization period should be changed or if there are potential indicators of impairment. Any changes in the anticipated period of benefit or the average renewal term are recognized on a prospective basis upon occurrence. Amortization of capitalized costs to obtain revenue contracts is included in sales and marketing expense in the accompanying consolidated statements of operations.

Judgments

Contracts with customers may include multiple services requiring allocation of the transaction price across the different performance obligations.

SSP is established by maximizing the amount of observable inputs, primarily actual historical selling prices for performance obligations where available and includes consideration of factors such as go-to-market model and customer size. Where SSP may not be directly observable, the Company estimates SSP using readily available information that may include reviewing pricing practices, performance obligations with similar customers, and selling models.

At times, the Company provides credits or incentives to its customers. Known and estimable credits and incentives represent a form of variable consideration, which are determined at contract inception and reduce the revenues recognized for a particular contract. At the end of each reporting period, the Company reviews and updates its estimates as additional information becomes available. The Company believes that there will not be significant changes to its estimates of variable consideration as of January 31, 2026.

Principal vs. Agent Considerations

The Company evaluates whether it is the principal or agent with respect to vendor reseller agreements pursuant to which the Company resells certain third-party solutions along with the Company’s solutions. Where the Company is the principal, it first obtains control of the inputs to the specific good or service and directs their use to create the combined output. The Company’s control is evidenced by its involvement in the integration of the good or service on its platform before it is transferred to its customers and is further supported by the Company being primarily responsible to its customers and having a level of discretion in establishing pricing. The Company has determined that, generally, the Company is acting as the principal and reports revenues from these types of contracts on a gross basis, meaning the amounts billed to customers are recorded as revenues and expenses incurred are recorded as cost of revenues.

The Company has a reseller agreement in place with our largest vendor to utilize their platform and to develop the Company’s cloud-based banking software as an application within their hosted environment. This agreement was amended during fiscal 2024 extending its term through January 31, 2031, and will automatically renew in annual increments thereafter unless either party gives notice of non-renewal before the end of the initial term or the respective renewal term.

Deferred Revenue: Deferred revenue primarily consists of billings or payments received in advance of revenue recognition from subscription services, including non-cancelable and non-refundable committed funds and deposits. Deferred revenue is recognized as revenue recognition criteria have been met. Customers are typically invoiced for these agreements in advance of regular annual installments and revenues are recognized ratably over the contractual subscription period. The deferred revenue balance is influenced by several factors, including seasonality, the compounding effects of renewals, invoice duration, invoice timing, size, and new business linearity. Deferred revenue does not represent the total contract value of annual or multi-year non-cancelable subscription agreements. Deferred revenue that will be recognized during the succeeding 12-month period is recorded as deferred revenue, current portion, and the remaining portion is recorded as deferred revenue, net of current portion on the consolidated balance sheets.

Payment terms vary by contract, although terms generally include a requirement of payment within 30 to 45 days. In instances where the timing of revenue recognition differs from the timing of invoicing, the Company has determined contracts generally do not include a significant financing component. The primary purpose of invoicing terms is to provide customers with simplified and predictable ways of purchasing services, such as invoicing at the beginning of a subscription term with revenues recognized ratably over the contract period, and not to provide financing to customers. Any implied financing costs are considered insignificant in the context of the Company’s contracts.

Cash and Cash Equivalents: The Company considers all highly liquid investments purchased with an original maturity of three months or less at the date of purchase to be cash equivalents. Cash equivalents are stated at fair value.

Restricted Cash: Restricted cash consists of deposits held as collateral for the Company’s bank guarantees issued in place of security deposits for certain property leases and credit cards at January 31, 2025 and only for certain property leases at January 31, 2026. Restricted cash is included in long-term prepaid expenses and other assets on the consolidated balance sheet at January 31, 2025 and in prepaid expenses and other current assets and long-term prepaid expenses and other assets at January 31, 2026 in the consolidated balance sheet.

Accounts Receivable and Allowances: A receivable is recorded when an unconditional right to invoice and receive payment exists, such that only the passage of time is required before payment of consideration is due. Timing of revenue recognition may differ from the timing of invoicing to customers. Certain performance obligations may require payment before delivery of the service to the customer. The Company recognizes a contract asset in the form of accounts receivable when the Company has an unconditional right to payment, and the Company records a contract asset in the form of unbilled accounts receivable when revenues earned on a contract exceeds the billings. The Company’s standard billing terms are annual in advance, while U.S. mortgage standard billing terms are monthly. An unbilled accounts receivable is a contract asset related to the delivery of the Company’s subscription services and professional services for which the related billings will occur in a future period. Unbilled accounts receivable consists of (i) revenues recognized for professional services performed but not yet billed and (ii) revenues recognized from non-cancelable, multi-year orders in which fees increase annually but for which the Company is not contractually able to invoice until a future period. Accounts receivable are reported at their gross outstanding balance reduced by an allowance for estimated receivable losses, which includes allowances for doubtful accounts and a reserve for expected credit losses.

The Company records allowances for doubtful accounts based upon the credit worthiness of customers, historical experience, the age of the accounts receivable, current market and economic conditions, and supportable forecasts about the future. Relevant risk characteristics include customer size and historical loss patterns. This estimate is analyzed quarterly and adjusted as necessary. The Company records the allowance against bad debt expense through the consolidated statements of operations, included in general and administrative expenses, up to the amount of revenues recognized to date. Any incremental allowance is recorded as an offset to deferred revenue on the consolidated balance sheets. Receivables are written off and charged against the recorded allowance when the Company has exhausted collection efforts without success.

A summary of activity in the allowance for doubtful accounts and reserve for expected credit losses is as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Balance, beginning of period	$	899	$	1,451	$	1,229
Charged to bad debt expense	1,081		85		1,716
Charged to deferred revenue	747		—		19
Write-offs and other	(1,275)		(304)		(155)
Translation adjustments	(1)		(3)		16
Balance, end of period	$	1,451	$	1,229	$	2,825

Leases: The Company determines if an arrangement is or contains a lease at inception date based on whether there is an identified asset and whether the Company controls the use of the identified asset throughout the period of use. The Company determines the classification of the lease, whether operating or financing, at the lease commencement date, which is the date the leased assets are made available for use. The Company accounts for lease and non-lease components as a single

lease component for its facilities and equipment leases. The Company did not have any finance leases as of January 31, 2025 or January 31, 2026.

Operating lease right-of-use (“ROU”) assets and lease liabilities are recognized at the commencement date based on the present value of lease payments over the lease term. The lease term reflects the non-cancelable period of the lease together with options to extend or terminate the lease when it is reasonably certain the Company will exercise such option. Variable costs, such as common area maintenance costs, are not included in the measurement of the ROU assets and lease liabilities, but are expensed as incurred. If an implicit rate is not readily determinable from the Company’s leases, the Company uses its incremental borrowing rate in determining the present value of the lease payments. Lease expense is recognized on a straight-line basis over the lease term.

The Company does not recognize ROU assets or lease liabilities for leases with a term of 12 months or less. Lease expense for such leases is recognized on a straight-line basis over the lease term.

Property and Equipment: Property and equipment are stated at cost less accumulated depreciation. Depreciation is calculated on the straight-line method over the estimated useful lives of the assets and commences once the asset is placed in service or is ready for its intended use. The estimated useful lives by asset classification are generally as follows:


Asset Classification						Estimated Useful Life
Furniture and fixtures						3-7 years
Computers and equipment						3 years
Buildings						40 years
Leasehold improvements						Shorter of remaining life of the lease term or estimated useful life

Repairs and maintenance are charged to expense as incurred. When assets are retired or otherwise disposed of, the cost and accumulated depreciation or amortization are removed from their respective accounts, and any gain or loss on such retirement is reflected in operating expenses.

Financing Obligations: The Company records assets and liabilities for lease arrangements where the Company has continued involvement due to purchase options and is deemed to be the owner for accounting purposes.

Intangible Assets: Intangible assets are amortized over their estimated useful lives. Each period, the Company evaluates the estimated remaining useful life of its intangible assets and whether events or changes in circumstances warrant a revision to the remaining period of amortization.

Impairment Assessment: The Company evaluates intangible assets and long-lived assets for possible impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable. This includes but is not limited to significant adverse changes in business climate, market conditions, or other events that indicate an asset’s carrying amount may not be recoverable. Recoverability of these assets is measured by comparison of the carrying amount of an asset or asset group to the estimated future undiscounted cash flows the asset or asset group is expected to generate. If the undiscounted cash flows used in the test for recoverability are less than the carrying amount of these assets or asset group, the carrying amount of such assets is reduced to fair value. There were no material impairments of intangible assets or long-lived assets during the fiscal years ended January 31, 2024, 2025, and 2026.

Goodwill: Goodwill represents the excess of the purchase price in a business combination over the fair value of net assets acquired. Goodwill is not amortized, but rather the carrying amounts of these assets are assessed for impairment at least annually or whenever events or changes in circumstances indicate that the carrying value of these assets may not be recoverable. Goodwill is tested for impairment annually on November 1, the first day of the fourth quarter of the fiscal year, or more frequently if circumstances indicate an impairment may have occurred between annual impairment tests. The Company has one reporting unit, therefore the Company evaluates goodwill for impairment at the entity level. To perform its impairment testing, the Company first assesses qualitative factors to determine whether it is more likely than not that the fair value of its single reporting unit is less than its carrying amount. The qualitative factors we consider include, but are not limited to, macroeconomic conditions, industry and market conditions, company-specific events, changes in circumstances, and our share price. If the qualitative factors indicate that the fair value of the reporting unit is greater than the carrying value of the net assets

assigned to the reporting unit, then we do not consider the assigned goodwill to be impaired. If it is determined that it is more likely than not that the fair value of the Company is less than the carrying amount, a quantitative assessment is performed by comparing the fair value of a reporting unit with its carrying amount. The Company may elect to bypass the qualitative assessment and perform the quantitative assessment. An impairment loss is recognized in an amount equal to the excess of the reporting unit’s carrying value over its fair value, up to the amount of goodwill allocated to the reporting unit. There was no goodwill impairment for the fiscal years ended January 31, 2024, 2025, and 2026.

Variable Interest Entity: The Company holds an interest in a Japanese company (“nCino K.K.”) that is considered a variable interest entity (“VIE”). nCino K.K. is considered a VIE as it has insufficient equity capital to finance its activities without additional financial support. The Company is the primary beneficiary of nCino K.K. as it has the power over the activities that most significantly impact the economic performance of nCino K.K. and has the obligation to absorb expected losses and the right to receive expected benefits that could be significant to nCino K.K., in accordance with accounting guidance. As a result, the Company consolidated nCino K.K. and all significant intercompany accounts have been eliminated. The Company will continue to assess whether it has a controlling financial interest and whether it is the primary beneficiary at each reporting period. Other than the Company’s equity investments, the Company has not provided financial or other support to nCino K.K. which it was not contractually obligated to provide. The assets of the VIE can only be used to settle the obligations of the VIE and the creditors of the VIE do not have recourse to the Company. The assets and liabilities of the VIE were not significant to the Company’s consolidated financial statements except for cash which is reflected on the consolidated balance sheets. See Note 2 “Variable Interest Entity and Redeemable Non-Controlling Interest” for additional information regarding the Company’s variable interest.

Redeemable Non-Controlling Interest: Redeemable non-controlling interest relates to minority investors of nCino K.K. An agreement with the minority investors of nCino K.K. contains redemption features whereby the interest held by the minority investors are redeemable either at the option of the (i) minority investors, or (ii) the Company, both beginning on the eighth anniversary of the initial capital contribution. If the interest of the minority investors were to be redeemed under this agreement, the Company would be required to redeem the interest based on a prescribed formula derived from the relative revenues of nCino K.K. and the Company. The balance of the redeemable non-controlling interest is reported at the greater of the initial carrying amount adjusted for the redeemable non-controlling interest’s share of earnings or losses and other comprehensive income or loss, or its estimated redemption value. The resulting changes in the estimated redemption amount (increases or decreases) are recorded with corresponding adjustments against retained earnings or, in the absence of retained earnings, additional paid-in-capital. These interests are presented on the consolidated balance sheets outside of equity under the caption “Redeemable non-controlling interest.”

Business Combinations: Several valuation methods may be used to determine the fair value of assets acquired and liabilities assumed. The Company uses its best estimates and assumptions to assign fair value to the tangible and intangible assets acquired and liabilities assumed at the acquisition date. The Company’s estimates are inherently uncertain and may be subject to refinement due to unanticipated events and circumstances. For intangible assets, the Company typically uses income-based methods of valuation (for example, the multi-period excess earnings method is used to estimate the fair value estimate of customer relationships and the relief from royalty method is used in the fair value estimate of developed technologies). These methods typically start with a forecast of all of the expected future net cash flows for each asset. These cash flows are then adjusted to present value by applying an appropriate discount rate that reflects the risk factors associated with the cash flow streams. Some of the more significant estimates and assumptions inherent in these methods are forecasted revenues, obsolescence life and factor, customer attrition rate, and the discount rate among other assumptions.

Determining the useful life of an intangible asset also requires judgment as different types of intangible assets will have different useful lives and certain assets may even be considered to have indefinite useful lives. During the measurement period, which may be up to one year from the acquisition date, the Company may record adjustments to the fair value of these tangible and intangible assets acquired and liabilities assumed, with the corresponding offset to goodwill. In addition, uncertain tax positions and tax-related valuation allowances are initially recorded in connection with a business combination as of the acquisition date. The Company continues to collect information and reevaluates these estimates and assumptions quarterly and records any adjustments to the Company’s preliminary estimates to goodwill provided that the Company is within the measurement period. Upon the conclusion of the measurement period or final determination of the fair value of assets acquired or liabilities assumed, whichever comes first, any subsequent adjustments are recorded to the Company’s consolidated statements of operations.

For acquisitions involving additional consideration to be transferred to the selling parties in the event certain future events occur or conditions are met (“contingent consideration”), the Company recognizes the acquisition-date fair value of contingent consideration as part of the consideration transferred in exchange for the business combination. Contingent consideration meeting the criteria to be classified as equity in the consolidated balance sheets is not remeasured, and its subsequent settlement is recorded within stockholders’ equity. Contingent consideration classified as a liability is remeasured to fair value at each reporting date until the contingency is resolved, with any changes in fair value recognized in the Company’s consolidated statements of operations.

Investments: The Company’s investments are non-marketable equity investments without readily determinable fair value and for which the Company does not have control or significant influence. The investments are measured at cost with adjustments for observable changes in price or impairment as permitted by the measurement alternative. The Company assesses at each reporting period if the investments continue to qualify for the measurement alternative. Gains or losses resulting from observable price changes are recognized currently in Other income (expense), net on the Company’s consolidated statement of operations. The Company assesses the investments whenever events or changes in circumstances indicate that the carrying value of the investments may not be recoverable.

Debt Issuance Costs: Debt issuance costs are initially deferred and amortized to interest expense on a straight-line basis over the expected term of the debt. The Company uses the straight-line basis as it approximates the amounts calculated under the effective-interest method. Unamortized debt issuance costs related to the secured revolving credit facility are considered long-term and are included in long-term prepaid expenses and other assets in the consolidated balance sheets.

Cost of Revenues: Cost of subscription and support revenues consists of costs related to hosting the Company’s software solutions and employee-related costs, including stock-based compensation expenses and allocated overhead associated with customer support. Cost of professional services and other revenues consists of employee-related costs associated with these services, including stock-based compensation expenses, and allocated overhead, and the cost of subcontractors. Allocated overhead includes costs such as information technology infrastructure, rent and occupancy charges, along with employee benefit costs, and taxes based upon a percentage of total compensation expense. As such, general overhead expenses are reflected in each cost of revenues and operating expenses category. In addition, subscription cost of revenues includes amortization of acquired developed technology.

Research and Development: Research and development expenses consist primarily of salaries, benefits and stock-based compensation associated with our engineering, product and quality assurance personnel, as well as allocated overhead. Research and development expenses also include the cost of third-party contractors. Research and development costs are expensed as incurred.

Treasury Stock: We account for treasury stock under the cost method and present treasury stock, including any applicable commissions, fees or excise taxes, as a component of stockholders’ equity in the consolidated balance sheets and statements of stockholders’ equity.

Advertising: Advertising costs are expensed as incurred and consist of advertising, third-party marketing, branded marketing, and conference and event expenses. Advertising expenses are recorded in sales and marketing expenses in the Company’s consolidated statements of operations and were $7.7 million, $8.7 million, and $12.3 million for the fiscal years ended January 31, 2024, 2025, and 2026, respectively.

Income Taxes: Deferred income taxes are determined using the asset and liability method, whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax bases. Deferred tax assets are also recorded for any tax attributes, such as net operating losses and tax credit carryforwards. Deferred tax assets and liabilities are adjusted for the effects of the changes in tax laws and rates on the date of enactment within income tax expense. The Company reflects the expected amount of income taxes to be paid or refunded during the year as current income tax expense or benefit, as applicable.

Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more-likely-than-not that some portion or all of the deferred tax assets will not be realized.

The Company follows the accounting standards on accounting for uncertainty in income taxes, which addresses the determination of whether tax benefits claimed, or expected to be claimed, on a tax return should be recorded in the consolidated financial statements. Under this guidance, the Company may recognize the tax benefit from an uncertain tax position only if it is more-likely-than-not that the tax position will be sustained on examination by taxing authorities based on the technical merits of the tax position. The tax benefits recognized in the consolidated financial statements from such a position are measured based on the benefit having a greater than 50% likelihood of being realized upon ultimate settlement. The guidance on accounting for uncertainty in income taxes also addresses de-recognition, classification, interest and penalties on income taxes, and accounting interim periods.

When and if applicable, potential interest and penalties are accrued as incurred, within the income tax provision.

Other Comprehensive Income (Loss): Accumulated other comprehensive income (loss) is reported as a component of stockholders’ equity and includes unrealized gains and losses on foreign currency translation adjustments.

Foreign Currency: The functional currency of the Company’s foreign subsidiaries is generally the local currency. Adjustments resulting from translating foreign functional currency financial statements into U.S. dollars are recorded as a separate component on the Company’s consolidated statements of comprehensive income (loss) recorded in the foreign currency translation line item. All assets and liabilities denominated in a foreign currency are translated into U.S. dollars at the exchange rate on the balance sheet date. Revenues and expenses are translated at the average exchange rate during the period. Equity transactions are translated using historical exchange rates.

Foreign currency transaction gains and losses due to transactions denominated in a currency other than the functional currency are included in other income (expense), net in the Company’s consolidated statements of operations and were $(1.2) million, $(10.5) million, and $17.3 million for the fiscal years ended January 31, 2024, 2025, and 2026, respectively, primarily related to remeasurement of various intercompany loans.

Stock-Based Compensation: As further described in Note 8 “Stockholders’ Equity and Stock-Based Compensation,” the Company records compensation expense associated with stock options and other equity-based compensation in accordance with ASC 718, Compensation – Stock Compensation. The Company establishes fair value as the measurement objective in accounting for share-based payment transactions with employees and recognizes expense on a straight-line basis, net of estimated forfeitures, over the applicable vesting period. The estimated forfeiture rate applied is based on historical forfeiture rates.

Basic and Diluted Net Income (Loss) per Common Share: Basic net income (loss) per share is calculated by dividing the net income (loss) attributable to nCino, Inc. by the weighted-average number of shares of common stock outstanding for the period, net of treasury stock.

Diluted net income (loss) per share is calculated by giving effect to all potentially dilutive common stock, which is comprised of stock options issued and outstanding, nonvested RSUs issued and outstanding, and shares issuable pursuant to the Employee Stock Purchase Plan (the “ESPP”) when determining the weighted-average number of common shares outstanding. The dilutive effect of outstanding awards is reflected in diluted earnings per share by application of the treasury stock method. There is no difference between the basic and diluted net income (loss) per share when there is a net loss because inclusion of potentially issuable shares would be anti-dilutive.

Recently Adopted Accounting Pronouncements: In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The guidance includes amendments to enhance existing income tax disclosure requirements, primarily related to the rate reconciliation and income taxes paid disclosures. The ASU is effective for annual periods beginning after December 15, 2024 on a prospective basis with the option to apply the ASU retrospectively. Early adoption is permitted. The Company adopted ASU 2023-09 for the fiscal year ended January 31, 2026, and applied the new disclosure requirements prospectively to the current annual period. Prior period disclosures have not been adjusted to reflect the new disclosure requirements. See Note 9 “Income Taxes” for further detail.

Recent Accounting Pronouncements Not Yet Adopted: In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40). The guidance includes amendments to require public companies to provide additional disclosure about certain costs and expenses. The ASU

is effective for annual periods beginning after December 15, 2026, and interim periods beginning after December 15, 2027, on a prospective basis with the option to apply the ASU retrospectively. Early adoption is permitted. The Company is currently evaluating the impact that the adoption of this standard will have on the Company’s consolidated financial statements.

In July 2025, the FASB issued ASU 2025-05, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets. The guidance includes amendments that provide a practical expedient for measuring credit losses on current accounts receivable and current contract assets under ASC 606 - Revenue from Contracts with Customers. The ASU is effective for our annual and interim period reporting beginning in fiscal year 2027 on a prospective basis. The Company does not expect this standard to have a material impact on the Company’s consolidated financial statements.

In September 2025, the FASB issued ASU 2025-06, Intangibles - Goodwill and Other - Internal Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software, which clarifies and modernizes certain aspects of the accounting for, and disclosure of, internal-use software costs. The ASU removes all references to software development project stages so that the guidance is neutral to different software development methods and clarifies the threshold entities apply to begin capitalizing costs. The ASU is effective for annual periods beginning after December 15, 2027, and interim periods within those annual periods. Early adoption is permitted. The Company is currently evaluating the impact that the adoption of this standard will have on the Company’s consolidated financial statements.

In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements, which intends to improve the navigability of the required interim disclosures and clarify when it applies. The amendments also provide additional guidance on what disclosures should be provided in interim reporting periods. ASU 2025-11 does not intend to change the fundamental nature of interim reporting or expand or reduce current interim disclosure requirements. The ASU is effective for interim reporting periods within annual reporting periods beginning after December 15, 2027 with the option to apply the guidance prospectively or retrospectively. Early adoption is permitted. The Company is currently evaluating the impact that the adoption of this standard will have on the Company’s consolidated financial statements.

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Cash flows from operating activities
Net income (loss) attributable to nCino, Inc.	$ 5,180	$ (37,878)	$ (42,346)
Net income (loss) attributable to redeemable non-controlling interest	4,523	4,829	(1,180)
Net income (loss)	9,703	(33,049)	(43,526)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization	42,255	36,345	45,264
Non-cash operating lease costs	3,994	4,960	4,534
Amortization of costs capitalized to obtain revenue contracts	15,051	12,003	9,934
Amortization of debt issuance costs	287	131	184
Stock-based compensation	73,884	71,592	58,035
Change in fair value of contingent consideration	1,600	0	0
Deferred income taxes	(6,187)	(7,118)	(2,340)
Provision for bad debt	1,716	85	1,081
Net foreign currency (gains) losses	(16,273)	8,675	670
Gains on investments	(1,652)	0	(263)
Loss on disposal of long-lived assets	463	35	150
Change in operating assets and liabilities:
Accounts receivable	(16,175)	(31,389)	(14,325)
Costs capitalized to obtain revenue contracts	(25,073)	(21,453)	(10,348)
Prepaid expenses and other assets	182	(7,060)	1,872
Accounts payable	1,108	(190)	525
Accrued expenses and other current liabilities	(2,148)	10,165	(5,981)
Deferred revenue	10,853	13,807	15,902
Operating lease liabilities	(4,105)	(3,785)	(4,083)
Other long-term liabilities	582	1,445	0
Net cash provided by operating activities	90,065	55,199	57,285
Cash flows from investing activities
Acquisition of business, net of cash acquired	(50,263)	(216,911)	0
Acquisition of assets	0	(450)	(356)
Purchases of property and equipment	(7,501)	(1,816)	(3,515)
Proceeds from sale of property and equipment	0	0	43
Purchase of investments	0	0	(2,500)
Sale of investment	3,684	0	0
Net cash used in investing activities	(54,080)	(219,177)	(6,328)
Cash flows from financing activities
Investment from redeemable non-controlling interest	0	0	983
Repurchases of common stock	(125,097)	0	0
Proceeds from borrowings on revolving credit facility	112,500	241,000	0
Payments on revolving credit facility	(65,000)	(75,000)	(30,000)
Payments of debt issuance costs	0	(1,484)	0
Exercise of stock options	1,981	2,796	4,469
Stock issuance under the employee stock purchase plan	4,218	4,468	4,661
Principal payments on financing obligations	(1,634)	(1,302)	(1,226)
Net cash provided by (used in) financing activities	(73,032)	170,478	(21,113)
Effect of foreign currency exchange rate changes on cash, cash equivalents, and restricted cash	4,465	(2,677)	182
Net increase (decrease) in cash, cash equivalents, and restricted cash	(32,582)	3,823	30,026
Cash, cash equivalents, and restricted cash, beginning of period	121,267	117,444	87,418
Cash, cash equivalents, and restricted cash, end of period	88,685	121,267	117,444
Reconciliation of cash, cash equivalents, and restricted cash, end of period:
Cash and cash equivalents	88,374	120,928	112,085
Restricted cash included in prepaid expenses and other current assets	142	0	0
Restricted cash included in long-term prepaid expenses and other assets	169	339	5,359
Total cash, cash equivalents, and restricted cash, end of period	88,685	121,267	117,444
Supplemental disclosure of cash flow information
Cash paid for interest	15,977	8,745	4,315
Supplemental disclosure of noncash investing and financing activities
Fair value of contingent consideration in connection with business acquisition in accrued expenses and other current liabilities	8,100	0	0
Measurement period adjustment relating to business acquisitions	10,018	0	0
Noncash consideration for settlement of preexisting contract	1,354	0	0
Accrued purchase price related to acquisitions	0	13,155	0
Excise tax on repurchases of common stock	$ 503	$ 0	$ 0

Defined Contribution Plan (Details) - USD ($) $ in Millions	12 Months Ended
Defined Contribution Plan (Details) - USD ($) $ in Millions	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Retirement Benefits [Abstract]
Defined contribution plan, employer discretionary contribution amount	$ 5.3	$ 5.4	$ 3.3

Goodwill and Intangible Assets - Schedule of Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025
Goodwill [Roll Forward]
Goodwill, beginning balance	$ 1,019,375	$ 838,869
Acquisitions	53,830	186,375
Measurement period adjustments	(10,018)
Translation adjustments	14,760	(5,869)
Goodwill, ending balance	$ 1,077,947	$ 1,019,375

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
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Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
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-Name Accounting Standards Codification
-Section 50
-Paragraph 8
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-URI https://asc.fasb.org/1943274/2147479328/805-10-50-8

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
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-Name Accounting Standards Codification
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-Paragraph 41
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-URI https://asc.fasb.org/1943274/2147479303/805-10-55-41

Reference 4: http://www.xbrl.org/2003/role/exampleRef
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-SubTopic 740
-Name Accounting Standards Codification
-Section 55
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478064/805-740-55-13

Reference 5: http://www.xbrl.org/2003/role/exampleRef
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147479303/805-10-55-39

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
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-Name Accounting Standards Codification
-Section 55
-Paragraph 49
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-49

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
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-Name Accounting Standards Codification
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-Paragraph 100
-Subparagraph (d)
-Publisher FASB
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Reference 8: http://www.xbrl.org/2003/role/exampleRef
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-Section 55
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481372/852-10-55-10

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(15))
-Publisher FASB
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
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-Name Accounting Standards Codification
-Section 45
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Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
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Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
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-Paragraph 1
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(10)(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 805
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479581/805-30-50-4

+ Details

Stockholders’ Equity and Stock-Based Compensation - Schedule of Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Number of Shares
Outstanding, beginning of period (in shares)	811,602
Expired or forfeited (in shares)	(1,627)
Exercised (in shares)	(329,334)
Outstanding, end of period (in shares)	480,641	811,602
Exercisable, end of period (in shares)	480,641
Fully vested or expected to vest, end of period (in shares)	480,641
Weighted Average Exercise Price
Outstanding, beginning of period (in USD per share)	$ 7.22
Expired or forfeited (in USD per share)	14.70
Exercised (in USD per share)	5.96
Outstanding, end of period (in USD per share)	8.06	$ 7.22
Exercisable, end of period (in USD per share)	8.06
Fully vested or expected to vest, end of period (in USD per share)	$ 8.06
Weighted Average Remaining Contractual Term (Years)
Weighted average remaining contractual term	1 year 6 months 21 days	2 years 3 months 7 days
Exercisable, end of period	1 year 6 months 21 days
Fully vested or expected to vest, end of period	1 year 6 months 21 days
Aggregate Intrinsic Value (In thousands)
Outstanding, beginning of period	$ 21,742
Exercised	6,258	$ 10,900	$ 19,000
Outstanding, end of period	6,393	$ 21,742
Exercisable, end of period	6,393
Fully vested or expected to vest, end of period	$ 6,393

Leases - Schedule of Future Minimum Lease Payments (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Leases [Abstract]
Fiscal 2027	$ 4,593
Fiscal 2028	2,516
Fiscal 2029	1,845
Fiscal 2030	1,346
Fiscal 2031	446
Thereafter	6,857
Total lease liabilities	17,603
Less: imputed interest	(3,626)
Total lease obligations	13,977
Less: current obligations	(4,229)	$ (5,153)
Long-term lease obligations	$ 9,748	$ 12,819

Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Amount
U.S. Federal Statutory Tax Rate	$ 1,408
State and Local Income Tax, net of federal (national) income tax effect	282
Changes in valuation allowance	(1,357)
Other	110
Return to provision	(1,559)
Effects of non-U.S. operations	734
Research and development credits	(2,500)
Executive compensation	2,952
Stock-based compensation	2,356
Other	359
Changes in unrecognized tax benefits	926
Total income tax provision (benefit)	$ (2,996)	$ (2,511)	$ 1,590
Percent
U.S. Federal Statutory Tax Rate	21.00%	21.00%	21.00%
State and Local Income Tax, net of federal (national) income tax effect	4.20%	1.60%	(2.70%)
Tax credits		9.70%	23.90%
Changes in valuation allowance	(20.20%)	7.70%	(10.50%)
Deferred adjustments		(0.015)	0.000
Other	1.60%	(1.00%)	0.20%
Foreign rate differential		1.20%	(1.70%)
Effects of non-U.S. operations	10.90%
Research and development credits	(37.30%)
Executive compensation	0.440
Stock-based compensation	35.10%	(8.20%)	(5.00%)
Other	5.40%
Changes in unrecognized tax benefits	13.80%
Federal return to provision	(23.20%)	1.30%	(19.70%)
Stock-based compensation		(1.30%)	(1.00%)
Nondeductible expenses		(1.30%)	(1.00%)
GILTI inclusion		(2.20%)	(6.80%)
Transaction costs		(3.10%)	0.00%
Effects of non-U.S. operations		1.60%	0.50%
Uncertain tax positions		(15.20%)	0.00%
Effective Income Tax Rate Reconciliation, Percent, Total	(44.70%)	7.10%	(3.80%)
United Kingdom
Amount
Changes in valuation allowance	$ (2,739)
Other	533
Return to provision	$ (4,107)
Percent
Changes in valuation allowance	(40.80%)
Other	7.90%
Federal return to provision	(61.20%)
Canada
Amount
Other foreign jurisdictions	$ 529
Percent
Foreign rate differential	7.90%
Other foreign jurisdictions
Amount
Other foreign jurisdictions	$ (923)
Percent
Foreign rate differential	(13.80%)

Segment Information - Schedule of Geographic Concentration of Long-lived assets (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Geographic concentration of assets
Long-lived assets	$ 88,294	$ 90,979
United States
Geographic concentration of assets
Long-lived assets	70,013	79,115
United Kingdom
Geographic concentration of assets
Long-lived assets	16,587	9,760
Other
Geographic concentration of assets
Long-lived assets	$ 1,694	$ 2,104

Variable Interest Entity and Redeemable Non-Controlling Interest - Narrative (Details) - USD ($) $ in Thousands	1 Months Ended		12 Months Ended
	Oct. 31, 2023	Oct. 31, 2019	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Schedule of Equity Method Investments [Line Items]
Investment from redeemable non-controlling interest	$ 1,000		$ 0	$ 0	$ 983
nCino K.K
Schedule of Equity Method Investments [Line Items]
Payments to noncontrolling interests		$ 4,700
Consolidation, less than wholly owned subsidiary, parent ownership interest, changes, purchase of Interest by parent	$ 1,000
nCino K.K \| nCino K.K
Schedule of Equity Method Investments [Line Items]
Ownership percentage by parent	51.00%	51.00%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References + Details

Business Combinations

12 Months Ended

Jan. 31, 2026

Business Combination [Abstract]

Business Combinations

DocFox, Inc. (“DocFox”)

On March 20, 2024 (the “DocFox Acquisition Date”), the Company acquired the outstanding equity interests of DocFox, which provides a solution to automate onboarding experiences for commercial and business banking. The Company acquired DocFox for its complementary product set, which helps simplify and automate the onboarding and account opening process. The Company has included the financial results of DocFox in the Company’s consolidated statements of operations from the DocFox Acquisition Date. Including the $2.0 million in post combination expense referenced below, transaction costs associated with the DocFox acquisition were approximately $3.9 million and were recorded in general and administrative expenses on the Company’s consolidated statements of operations.

The Company paid a total of $74.3 million in cash as of the DocFox Acquisition Date. Included in the total cash paid was $6.2 million for DocFox common stock options that were cash settled on the DocFox Acquisition Date. The $6.2 million fair value of the DocFox common stock options was allocated between consideration transferred and post combination expense in the amounts of $4.2 million and $2.0 million, respectively. As there was no future service requirement due to accelerated vesting of these options, the entire $2.0 million, included within general and administrative expenses, was recorded as transaction cost immediately following the acquisition and not in consideration transferred. The estimated fair value of the consideration transferred was $72.4 million on the DocFox Acquisition Date.

In addition, the Company issued 198,505 Restricted Stock Units (“RSUs”) with an approximate fair value of $6.1 million to certain employees of DocFox, which will vest over four years subject to such employees’ continued employment. The RSUs will be recorded as stock-based compensation expense post-acquisition as the RSUs vest and has been excluded from the purchase consideration.

The transaction was accounted for using the acquisition method and, as a result, tangible and intangible assets acquired and liabilities assumed were recorded at their estimated fair values at the DocFox Acquisition Date. Any excess consideration over the fair value of the assets acquired and liabilities assumed was recognized as goodwill. The Company determined the acquisition date contract assets and liabilities in accordance with ASC 606.

The following table summarizes the fair values of assets acquired and liabilities assumed as of the DocFox Acquisition Date:


	Fair Value
Cash and cash equivalents	$	1,400
Accounts receivable	1,898
Operating lease right-of-use assets, net	405
Other current and noncurrent assets	444
Intangible assets	24,600
Goodwill	56,302
Accounts payable, accrued expenses, and other liabilities, current and noncurrent	(3,495)
Deferred revenue, current and noncurrent	(3,505)
Operating lease liabilities, current and noncurrent	(405)
Deferred income taxes	(5,279)
Net assets acquired	$	72,365

During the first quarter of the fiscal year ended January 31, 2026, within the one year measurement period, we finalized the fair value of the assets acquired and liabilities assumed in the acquisition, and the amounts presented above are final. The Company recorded measurement period adjustments that included a $1.0 million adjustment to decrease goodwill for a $1.0 million deferred income tax adjustment.

The following table sets forth the components of the fair value of identifiable intangible assets and their estimated useful lives over which the acquired intangible assets will be amortized on a straight-line basis, as this approximates the pattern in which economic benefits of the assets are consumed as of the DocFox Acquisition Date:


	Fair Value		Useful Life
Trade name	$	200	1 year
Customer relationships	16,400		10 years
Developed technology	8,000		5 years
Total intangible assets subject to amortization	$	24,600

Developed technology represents the fair value of DocFox’s technology, customer relationships represent the fair value of the underlying relationships with DocFox’s customers, and trade name represents the fair value of DocFox’s company name.

Goodwill is primarily attributable to expanded market opportunities, synergies expected from the acquisition, and assembled workforce. The goodwill is not deductible for tax.

The Company has not disclosed pro-forma revenue and earnings attributable to DocFox as they did not have a material effect on the Company’s consolidated financial statements.

Integrated Lending Technologies, LLC (“ILT”)

On April 1, 2024 (the “ILT Acquisition Date”), the Company acquired all outstanding membership interests of ILT, which provides consumer loan origination software that streamlines direct and indirect lending operations. The Company acquired ILT for its complementary products. The Company has included the financial results of ILT in the Company’s consolidated statements of operations from the ILT Acquisition Date. Transaction costs associated with the ILT acquisition were approximately $0.9 million and were recorded in general and administrative expenses on the Company’s consolidated statements of operations.

The Company paid a total of $19.9 million in cash on the ILT Acquisition Date, subject to a net working capital adjustment. The net working capital adjustment was finalized in July 2024, resulting in an increase to the purchase price of $0.1 million which was recorded to goodwill.

The transaction was accounted for using the acquisition method and, as a result, tangible and intangible assets acquired and liabilities assumed were recorded at their estimated fair values at the ILT Acquisition Date. Any excess consideration over the fair value of the assets acquired and liabilities assumed was recognized as goodwill. The Company determined the acquisition date contract assets and liabilities in accordance with ASC 606.

The following table summarizes the fair values of assets acquired and liabilities assumed as of the ILT Acquisition Date:


	Fair Value
Cash and cash equivalents	$	164
Accounts receivable	343
Intangible assets	8,660
Goodwill	11,111
Accounts payable, accrued expenses, and other liabilities, current and noncurrent	(240)
Net assets acquired	$	20,038

During the fiscal year ended January 31, 2025, within the one year measurement period, we finalized the fair value of the assets acquired and liabilities assumed in the acquisition, and the amounts presented above are final.


	Fair Value		Useful Life
Trade name	$	210	1 year
Customer relationships	5,870		10 years
Developed technology	2,580		5 years
Total intangible assets subject to amortization	$	8,660

Developed technology represents the fair value of ILT’s technology, customer relationships represent the fair value of the underlying relationships with ILT’s customers, and trade name represents the fair value of ILT’s company name.

Goodwill is primarily attributable to expanded market opportunities, synergies expected from the acquisition, and assembled workforce; and approximately $11.1 million is deductible for tax purposes.

The Company has not disclosed pro-forma revenue and earnings attributable to ILT as they did not have a material effect on the Company’s consolidated financial statements.

Artesian Solutions Limited (“FullCircl”)

On November 5, 2024 (the “FullCircl Acquisition Date”), the Company acquired the outstanding equity interests of FullCircl, which provides an onboarding and customer lifecycle intelligence platform. The Company acquired FullCircl for its complementary products. The Company has included the financial results of FullCircl in the Company’s consolidated statements of operations from the FullCircl Acquisition Date. Transaction costs associated with the FullCircl acquisition were approximately $3.6 million and were recorded in general and administrative expenses on the Company’s consolidated statements of operations.

The purchase consideration was $142.4 million, of which the Company paid a total of $129.2 million in cash at the FullCircl Acquisition Date. The purchase consideration includes a deferred payment of $15.0 million, with a present value of $13.2 million at the FullCircl Acquisition Date, relating to an indemnity holdback amount to be paid in 24 months following the FullCircl Acquisition Date which is included in other long-term liabilities on the consolidated balance sheet at January 31, 2025 and in accrued expenses and other current liabilities at January 31, 2026. The Company will accrete the $1.8 million, which represents the difference between the total deferred payment and the present value, to interest expense over the two-year period using the effective interest rate methodology.

In addition, the Company issued 52,877 RSUs with an approximate fair value of $2.0 million to certain employees of FullCircl, which will vest over four years subject to such employees’ continued employment. The RSUs will be recorded as stock-based compensation expense post-acquisition as the RSUs vest and has been excluded from the purchase consideration.

The transaction was accounted for using the acquisition method and, as a result, tangible and intangible assets acquired and liabilities assumed were recorded at their estimated fair values at the FullCircl Acquisition Date. Any excess consideration over the fair value of the assets acquired and liabilities assumed was recognized as goodwill and is subject to revision as the purchase price allocation is complete. The Company determined the acquisition date contract assets and liabilities in accordance with ASC 606.

The following table summarizes the fair values of assets acquired and liabilities assumed as of the FullCircl Acquisition Date:


	Fair Value
Cash and cash equivalents	$	3,182
Accounts receivable	1,814
Property and equipment, net	66
Operating lease right-of-use assets, net	198
Other current and noncurrent assets	211
Deferred income taxes	(259)
Intangible assets	37,000
Goodwill	108,944
Accounts payable, accrued expenses, and other liabilities, current and noncurrent	(3,776)
Deferred revenue, current and noncurrent	(4,773)
Operating lease liabilities, current and noncurrent	(198)
Net assets acquired	$	142,409

During the fiscal year ended January 31, 2026, within the one year measurement period, we finalized the fair value of the assets acquired and liabilities assumed in the acquisition, and the amounts presented above are final. The Company recorded measurement period adjustments that included a $9.0 million adjustment to decrease goodwill for a $9.0 million deferred income tax adjustment.


	Fair Value		Useful Life
Trade name	$	1,100	1 year
Customer relationships	26,500		10 years
Developed technology	9,400		5 years
Total intangible assets subject to amortization	$	37,000

Developed technology represents the fair value of FullCircl’s technology, customer relationships represent the fair value of the underlying relationships with FullCircl’s customers, trade name represents the fair value of FullCircl’s company name.

Goodwill is primarily attributable to expanded market opportunities, synergies expected from the acquisition, and assembled workforce. The goodwill is not deductible for tax.

The Company has not disclosed pro-forma revenue and earnings attributable to FullCircl as they did not have a material effect on the Company’s consolidated financial statements.

Sandbox Banking

On February 7, 2025 (the “Sandbox Acquisition Date”), the Company acquired the outstanding equity interests of Sandbox Banking, a digital transformation leader serving the financial services industry. The Company acquired Sandbox Banking to strengthen the Company’s ability to enhance data connectivity. The Company has included the financial results of Sandbox Banking in the Company’s consolidated statements of operations from the Sandbox Acquisition Date. Transaction costs associated with the Sandbox Banking acquisition were approximately $1.4 million and were recorded in general and administrative expenses on the Company’s consolidated statements of operations.

The Sandbox Acquisition Date fair value of the consideration transferred is as follows:


	Fair Value
Cash consideration (net of working capital adjustments)	$	53,488
Noncash consideration for settlement of preexisting contract	1,354
Contingent consideration	8,100
	$	62,942

As of April 30, 2025, the cash consideration and working capital adjustments were finalized, resulting in final net cash consideration of $53.5 million after working capital adjustments of $0.5 million.

The preliminary purchase price also includes $8.1 million of contingent consideration whereby the Company may be required to pay up to $10.0 million subject to the achievement of certain targets over 18 months, subject to revision. Three earn-outs are payable based on: achieving a certain increase in annual contract value, establishing connectivity between defined systems for certain customers, and completing defined development work. See Note 3 “Fair Value Measurements” for additional information on the fair value of the contingent consideration.

In addition, the Company issued 91,160 RSUs in May 2025 with an approximate fair value of $2.1 million to certain employees of Sandbox Banking, which will vest over four years subject to such employees’ continued employment. The RSUs will be recorded as stock-based compensation expense post-acquisition as the RSUs vest and has been excluded from the purchase consideration.

The transaction was accounted for using the acquisition method and, as a result, tangible and intangible assets acquired and liabilities assumed were recorded at their estimated fair values at the Sandbox Acquisition Date. Any excess consideration over the fair value of the assets acquired and liabilities assumed was recognized as goodwill and is subject to revision as the purchase price allocation is complete. The Company determined the acquisition date contract assets and liabilities in accordance with ASC 606.

The following table summarizes the preliminary fair values of assets acquired and liabilities assumed as of the Sandbox Acquisition Date:


	Fair Value
Cash and cash equivalents	$	3,330
Accounts receivable	1,020


Other current and noncurrent assets	106
Intangible assets	13,400
Goodwill	53,830
Accounts payable, accrued expenses, and other liabilities, current and noncurrent	(774)
Deferred revenue, current and noncurrent	(4,950)

Deferred income taxes	(3,020)
Net assets acquired	$	62,942

Initial accounting for the acquisition is not complete, and further measurement period adjustments may occur in fiscal year 2027, but no later than one year from the Sandbox Acquisition Date. The area of the acquisition that remains preliminary relates to finalizing our estimate of the impact of acquisition accounting on deferred income tax assets or liabilities, including uncertain tax positions. As the initial acquisition accounting is based on preliminary assessments, actual values may differ materially when final information becomes available. The Company believes the information gathered to date provides a reasonable basis for estimating the preliminary fair values of assets acquired and liabilities assumed. The Company will continue to evaluate these items until they are satisfactorily resolved and make necessary adjustments, within the allowable measurement period.

The following table sets forth the components of the preliminary fair value of identifiable intangible assets and their estimated useful lives over which the acquired intangible assets will be amortized on a straight-line basis, as this approximates the pattern in which economic benefits of the assets are consumed as of the Sandbox Acquisition Date:


	Fair Value		Useful Life
Trade name	$	400	1 year
Customer relationships	8,500		10 years
Developed technology	4,500		5 years
Total intangible assets subject to amortization	$	13,400

Developed technology represents the preliminary fair value of Sandbox Banking’s technology, customer relationships represent the preliminary fair value of the underlying relationships with Sandbox Banking’s customers, and trade name represents the preliminary fair value of Sandbox Banking’s company name. The Company continues to assess the rates used in the preliminary valuation methods such as, but not limited to, the discount rates for developed technology, customer relationships, and trade name and customer attrition rate for customer relationships.

Goodwill is primarily attributable to expanded market opportunities, synergies expected from the acquisition, and assembled workforce. The goodwill is not expected to be deductible for tax.

The financial results of Sandbox Banking since the Sandbox Acquisition Date are included in the Company’s consolidated financial statements and are not material to the Company. The Company has not disclosed pro-forma revenue and earnings attributable to Sandbox Banking as they did not have a material effect on the Company’s consolidated financial statements.

- Definition

The entire disclosure for business combination.

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+ Details

Segment Information

12 Months Ended

Jan. 31, 2026

Segment Reporting [Abstract]

Segment Information

The Company’s CODM is the Company’s Chief Executive Officer, who reviews financial information on a consolidated basis. The Company brings together people and data to enable financial institutions to enhance strategic decision-making, risk management, and customer satisfaction through the selection of intelligent solutions provided by the nCino Platform. As such, the Company has one operating and reportable segment. The CODM uses consolidated net income (loss) in deciding how to make operating decisions, allocate resources, and assess performance, including whether to reinvest profits into the segment or into other parts of the entity, such as for acquisitions.

The following table presents selected financial information that is provided to our CODM:


	Fiscal Year Ended January 31,
	2024		2025		2026
Revenues	$	476,543	$	540,657	$	594,781
Less:
Adjusted cost of revenues(1)	163,449		182,887		197,328
Adjusted sales and marketing expense(2)	94,440		94,190		104,592
Adjusted research and development expense(3)	101,017		111,110		106,478
Adjusted general and administrative expense(4)	55,858		56,305		56,972
Interest income	(2,567)		(1,761)		(1,429)
Interest expense	4,135		8,763		17,457
Adjusted other (income) expense, net(5)	(54)		117		(1,797)
Other segment items(6)	102,201		124,606		108,473
Income tax provision (benefit)	1,590		(2,511)		(2,996)
Net income (loss)	$	(43,526)	$	(33,049)	$	9,703

(1) Cost of revenue, net in the consolidated statements of operations, adjusted to exclude amortization of intangible assets, stock-based compensation expense, and restructuring and related charges, if any.

(2) Sales and marketing expense, net in the consolidated statements of operations, adjusted to exclude amortization of intangible assets, stock-based compensation expense, transaction-related expenses, and restructuring and related charges, if any.

(3) Research and development expense, net in the consolidated statements of operations, adjusted to exclude stock-based compensation expense, transaction-related expenses, and restructuring and related charges, if any.

(4) General and administrative expense, net in the consolidated statements of operations, adjusted to exclude stock-based compensation expense, transaction-related expenses, certain litigation expenses, and restructuring and related charges, if any.

(5) Beginning in the first quarter of fiscal 2026, other (income) expense, net in the consolidated statements of operations, adjusted to exclude intercompany foreign currency exchange gains or losses from the remeasurement of intercompany loans and transactions that are denominated in currencies other than the underlying functional currency of the applicable entity. Prior period amounts have been recast to conform to the current presentation.

(6) Other segment items are the adjustments described in the notes above.

Revenues by geographic region were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
United States	$	387,201	$	424,432	$	463,261
United Kingdom	41,894		56,517		72,755
Other	47,448		59,708		58,765
	$	476,543	$	540,657	$	594,781

Revenues by geography are determined based on the region of the Company’s contracting entity, which may be different from the region of the customer. For the fiscal years ended January 31, 2024, 2025, and 2026, only the United Kingdom, in addition to the United States, represented 10% or more of total revenues for the periods presented.

Long-lived assets, which consist of property and equipment, net and operating lease ROU assets, net by geographic region were as follows:


	As of January 31,
	2025		2026
United States	$	79,115	$	70,013
United Kingdom	9,760		16,587
Other	2,104		1,694
	$	90,979	$	88,294

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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+ Details

Summary of Business and Significant Accounting Policies (Policies)

12 Months Ended

Jan. 31, 2026

Accounting Policies [Abstract]

Principles of Consolidation and Basis of Presentation

Use of Estimates

Segments

Concentration of Credit Risk and Significant Customers

Revenue Recognition

The Company determines revenue recognition through the following steps:

•Identification of the contract, or contracts, with a customer;

•Identification of the performance obligations in the contract;

•Determination of the transaction price;

•Allocation of the transaction price to the performance obligations in the contract; and

•Recognition of revenues when, or as, the Company satisfies a performance obligation.

Subscription Revenues

Professional Services and Other Revenues

Contracts with Multiple Performance Obligations

Costs Capitalized to Obtain Revenue Contracts

Judgments

Contracts with customers may include multiple services requiring allocation of the transaction price across the different performance obligations.

Principal vs. Agent Considerations

Deferred Revenue

Cash and Cash Equivalents

Restricted Cash

Accounts Receivable and Allowances

Leases and Financing Obligations

lease component for its facilities and equipment leases. The Company did not have any finance leases as of January 31, 2025 or January 31, 2026.

The Company does not recognize ROU assets or lease liabilities for leases with a term of 12 months or less. Lease expense for such leases is recognized on a straight-line basis over the lease term.

Property and Equipment


Asset Classification						Estimated Useful Life
Furniture and fixtures						3-7 years
Computers and equipment						3 years
Buildings						40 years
Leasehold improvements						Shorter of remaining life of the lease term or estimated useful life

Intangible Assets

Impairment Assessment

Goodwill

Variable Interest Entity

Redeemable Non-Controlling Interest

Business Combinations

Investments

Debt Issuance Costs

Cost of Revenues

Research and Development

Treasury Stock

Advertising

Advertising: Advertising costs are expensed as incurred and consist of advertising, third-party marketing, branded marketing, and conference and event expenses.

Income Taxes

Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more-likely-than-not that some portion or all of the deferred tax assets will not be realized.

When and if applicable, potential interest and penalties are accrued as incurred, within the income tax provision.

Other Comprehensive Income (Loss)

Foreign Currency Exchange

Stock-Based Compensation

Basic and Diluted Net Income (Loss) per Common Share

Recently Adopted Accounting Pronouncements and Recent Accounting Pronouncements Not Yet Adopted

Restructuring (Tables)

12 Months Ended

Jan. 31, 2026

Restructuring and Related Activities [Abstract]

Schedule of Restructuring and Related Costs

The Company’s restructuring charges under the 2023 Restructuring Plan were for expenses that reduced operating lease right-of-use assets on the consolidated balance sheets and were as follows:


	Fiscal Year Ended January 31,
	2024

Cost of subscription revenues	$	51
Cost of professional services and other revenues	118
Sales and marketing	100
Research and development	352
General and administrative	6
Total	$	627

The Company’s restructuring charges under the 2026 Restructuring Plan were as follows:


	Fiscal Year Ended January 31, 2026
		Severance Costs		Exit Costs		Asset Write-offs		Total
Cost of subscription revenues		$	422	$	53	$	17	$	492
Cost of professional services and other revenues		534		139		46		719
Sales and marketing		1,274		128		42		1,444
Research and development		3,710		221		73		4,004
General and administrative		1,071		1,192		1,155		3,418
Total		$	7,011	$	1,733	$	1,333	$	10,077

The activity of the 2026 Restructuring Plan liabilities was as follows:


Balance at January 31, 2025	$	—
Charges incurred	10,077
Cash payments	(8,542)
Non-cash items	(674)
Balance at January 31, 2026	$	861

2026 Restructuring Plan liabilities are included in our consolidated balance sheets as follows:


	As of January 31, 2026

Included in accrued expenses and other current liabilities	$	553
Included in other long-term liabilities	308
Total	$	861

Balance Sheet Components (Tables)

12 Months Ended

Jan. 31, 2026

Property, Plant and Equipment [Abstract]

Schedule of Prepaid Expenses and Other Current Assets

Prepaid expenses and other current assets consisted of the following:


	As of January 31,
	2025		2026
Prepaid expenses	$	19,729	$	19,246
Other current assets	1,343		2,132
Prepaid expenses and other current assets	$	21,072	$	21,378

Schedule of Property and Equipment, Net

The estimated useful lives by asset classification are generally as follows:


Asset Classification						Estimated Useful Life
Furniture and fixtures						3-7 years
Computers and equipment						3 years
Buildings						40 years
Leasehold improvements						Shorter of remaining life of the lease term or estimated useful life

Property and equipment, net consisted of the following:


	As of January 31,
	2025		2026
Furniture and fixtures	$	11,712	$	11,862
Computers and equipment	7,193		6,646
Buildings and land	56,379		56,379
Leasehold improvements	28,046		30,536
Construction in progress	627		—
Total property and equipment, gross	103,957		105,423
Less accumulated depreciation	(29,004)		(29,816)
Total property and equipment, net	$	74,953	$	75,607

The Company recognized depreciation expense as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cost of subscription revenues	$	567	$	480	$	434
Cost of professional services and other revenues	1,775		1,313		1,363
Sales and marketing	1,734		1,291		1,264
Research and development	2,819		2,399		2,052
General and administrative	1,143		769		683
Total depreciation expense	$	8,038	$	6,252	$	5,796

Schedule of Accrued Expenses and Other Current Liabilities

Accrued expenses and other current liabilities consisted of the following:


	As of January 31,
	2025		2026
Accrued compensation and benefits	$	23,626	$	24,797
Accrued expenses	16,239		15,567
Purchase consideration deferred payment	—		14,308
Contingent consideration liability	—		9,700
Accrued expenses and other current liabilities	$	39,865	$	64,372

Leases (Tables)

12 Months Ended

Jan. 31, 2026

Leases [Abstract]

Schedule of Lease Cost

The components of lease expense were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Operating lease expense	$	4,940	$	5,575	$	5,026
Variable lease expense	1,979		2,581		2,650
Short-term lease expense	451		272		218
Sublease income	—		(382)		(174)
Total lease expense	$	7,370	$	8,046	$	7,720

Supplemental cash flow information related to operating leases was as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cash paid for amounts included in the measurement of operating lease liabilities	$	4,489	$	4,400	$	5,137
Operating right-of-use assets obtained in exchange for operating lease liabilities	13,152		3,349		1,724

Operating right-of-use assets and operating lease liabilities reductions related to operating lease terminations or modifications	115		1,995		2,102

Schedule of Future Minimum Lease Payments for Operating Lease

Future minimum lease payments as of January 31, 2026 were as follows:


	Operating Leases
Fiscal 2027	$	4,593
Fiscal 2028	2,516
Fiscal 2029	1,845
Fiscal 2030	1,346
Fiscal 2031	446
Thereafter	6,857
Total lease liabilities	17,603
Less: imputed interest	(3,626)
Total lease obligations	13,977
Less: current obligations	(4,229)
Long-term lease obligations	$	9,748

Goodwill and Intangible Assets (Tables)

12 Months Ended

Jan. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill

The change in the carrying amounts of goodwill was as follows:


Balance, as of January 31, 2024	$	838,869
Acquisitions	186,375
Translation adjustments	(5,869)
Balance, as of January 31, 2025	1,019,375
Acquisitions	53,830
Measurement period adjustments	(10,018)
Translation adjustments	14,760
Balance, as of January 31, 2026	$	1,077,947

Schedule of Finite-Lived Intangible Assets

Intangible assets, net are as follows:


	As of January 31, 2025						As of January 31, 2026
	Gross Amount		Accumulated Amortization		Net Carrying Amount		Gross Amount		Accumulated Amortization		Net Carrying Amount		Weighted Average Remaining Useful Life (Years)
Developed technology	$	97,029	$	(49,819)	$	47,210	$	102,443	$	(70,334)	$	32,109	2.4
Customer relationships	139,315		(33,315)		106,000		151,399		(48,095)		103,304		7.3
Trademarks and trade name	1,461		(615)		846		1,999		(1,991)		8		0.1
Other	1,369		(854)		515		1,369		(1,132)		237		2.2
Intangible assets, net	$	239,174	$	(84,603)	$	154,571	$	257,210	$	(121,552)	$	135,658	6.2

Schedule of Finite-lived Intangible Assets Amortization Expense

The Company recognized amortization expense for intangible assets as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cost of subscription revenues	$	16,306	$	17,784	$	20,412
Cost of professional services and other revenues	330		330		165
Sales and marketing	20,590		11,979		15,882

Total amortization expense	$	37,226	$	30,093	$	36,459

Schedule of Finite-Lived Intangible Assets, Future Amortization Expense

The expected future amortization expense for intangible assets as of January 31, 2026 is as follows:


Fiscal Year Ending January 31,
2027	$	34,207
2028	19,740
2029	19,640
2030	17,304
2031	14,657
Thereafter	30,110
	$	135,658

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

+ References

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+ Details

Business Combinations (Tables)

12 Months Ended

Jan. 31, 2026

Business Combination [Abstract]

Schedule of Business Combination, Recognized Asset Acquired and Liability Assumed

The following table summarizes the fair values of assets acquired and liabilities assumed as of the DocFox Acquisition Date:


	Fair Value
Cash and cash equivalents	$	1,400
Accounts receivable	1,898
Operating lease right-of-use assets, net	405
Other current and noncurrent assets	444
Intangible assets	24,600
Goodwill	56,302
Accounts payable, accrued expenses, and other liabilities, current and noncurrent	(3,495)
Deferred revenue, current and noncurrent	(3,505)
Operating lease liabilities, current and noncurrent	(405)
Deferred income taxes	(5,279)
Net assets acquired	$	72,365

The following table summarizes the fair values of assets acquired and liabilities assumed as of the ILT Acquisition Date:


	Fair Value
Cash and cash equivalents	$	164
Accounts receivable	343
Intangible assets	8,660
Goodwill	11,111
Accounts payable, accrued expenses, and other liabilities, current and noncurrent	(240)
Net assets acquired	$	20,038

The following table summarizes the fair values of assets acquired and liabilities assumed as of the FullCircl Acquisition Date:


	Fair Value
Cash and cash equivalents	$	3,182
Accounts receivable	1,814
Property and equipment, net	66
Operating lease right-of-use assets, net	198
Other current and noncurrent assets	211
Deferred income taxes	(259)
Intangible assets	37,000
Goodwill	108,944
Accounts payable, accrued expenses, and other liabilities, current and noncurrent	(3,776)
Deferred revenue, current and noncurrent	(4,773)
Operating lease liabilities, current and noncurrent	(198)
Net assets acquired	$	142,409

The following table summarizes the preliminary fair values of assets acquired and liabilities assumed as of the Sandbox Acquisition Date:


	Fair Value
Cash and cash equivalents	$	3,330
Accounts receivable	1,020


Other current and noncurrent assets	106
Intangible assets	13,400
Goodwill	53,830
Accounts payable, accrued expenses, and other liabilities, current and noncurrent	(774)
Deferred revenue, current and noncurrent	(4,950)

Deferred income taxes	(3,020)
Net assets acquired	$	62,942

Schedule of Business Combination, Intangible Asset, Acquired, Finite-Lived


	Fair Value		Useful Life
Trade name	$	200	1 year
Customer relationships	16,400		10 years
Developed technology	8,000		5 years
Total intangible assets subject to amortization	$	24,600


	Fair Value		Useful Life
Trade name	$	210	1 year
Customer relationships	5,870		10 years
Developed technology	2,580		5 years
Total intangible assets subject to amortization	$	8,660


	Fair Value		Useful Life
Trade name	$	1,100	1 year
Customer relationships	26,500		10 years
Developed technology	9,400		5 years
Total intangible assets subject to amortization	$	37,000


	Fair Value		Useful Life
Trade name	$	400	1 year
Customer relationships	8,500		10 years
Developed technology	4,500		5 years
Total intangible assets subject to amortization	$	13,400

Schedule of Estimated Fair Value of Consideration Transferred

The Sandbox Acquisition Date fair value of the consideration transferred is as follows:


	Fair Value
Cash consideration (net of working capital adjustments)	$	53,488
Noncash consideration for settlement of preexisting contract	1,354
Contingent consideration	8,100
	$	62,942

- Definition

Tabular disclosure of business combination. Includes, but is not limited to, recognized asset and liability.

+ References + Details

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024	Jan. 31, 2023
Effective Income Tax Rate Reconciliation [Line Items]
Deferred tax liabilities, net, adjusted amount	$ 7,300
Deferred tax assets, valuation allowance	(151,661)	$ (160,289)
Valuation allowance, deferred tax asset, increase, amount	(8,600)	12,000	$ 9,900
Undistributed earnings of foreign subsidiaries	37,400
Repatriation of foreign earnings, amount	900
Unrecognized tax benefits	8,468	$ 6,692	$ 0	$ 0
Unrecognized tax benefits that would impact effective tax rate	2,000
Income tax penalties and interest expense	1,800
United States
Effective Income Tax Rate Reconciliation [Line Items]
Valuation allowance, deferred tax asset, increase, amount	(2,000)
United Kingdom
Effective Income Tax Rate Reconciliation [Line Items]
Valuation allowance, deferred tax asset, increase, amount	$ (2,800)

Variable Interest Entity and Redeemable Non-Controlling Interest

12 Months Ended

Jan. 31, 2026

Noncontrolling Interest [Abstract]

Variable Interest Entity and Redeemable Non-Controlling Interest

In October 2019, the Company entered into an agreement with Japan Cloud Computing, L.P. and M30 LLC (collectively, the “Investors”) to engage in the investment, organization, management, and operation of nCino K.K. which is focused on the distribution of the Company’s products in Japan. In October 2019, the Company initially contributed $4.7 million in cash in exchange for 51% of the outstanding common stock of nCino K.K. In October 2023, the Company made a further investment in nCino K.K. of $1.0 million that, including additional investments in nCino K.K. of $1.0 million by existing third-party investors in October 2023, maintained the Company’s ownership of 51%. As of January 31, 2026, the Company controls a majority of the outstanding common stock in nCino K.K.

All of the common stock held by the Investors is callable by the Company or puttable by the Investors at the option of the Investors or at the option of the Company beginning on the eighth anniversary of the agreement with the Investors. Should the call or put option be exercised, the redemption value would be determined based on a prescribed formula derived from the relative revenues of nCino K.K. and the Company and may be settled, at the Company’s discretion, with the Company’s stock or cash or a combination of the foregoing. As a result of the put right available to the Investors, the redeemable non-controlling interest in nCino K.K. is classified outside of permanent equity in the Company’s consolidated balance sheets.

The following table summarizes the activity in the redeemable non-controlling interests for the periods indicated below:


	Fiscal Year Ended January 31,
	2024		2025		2026
Balance, beginning of period	$	3,589	$	3,428	$	8,286
Investment by redeemable non-controlling interest	983		—		—
Net income (loss) attributable to redeemable non-controlling interest (excluding adjustment to non-controlling interest)	(1,109)		(472)		141
Foreign currency translation	13		7		2
Adjustment to redeemable non-controlling interest	(71)		5,301		4,382
Stock-based compensation expense (1)	23		22		(74)
Balance, end of period	$	3,428	$	8,286	$	12,737

(1) nCino K.K. stock options granted in accordance with nCino K.K.’s equity incentive plan.

Variable Interest Entity and Redeemable Non-Controlling Interest (Tables)

12 Months Ended

Jan. 31, 2026

Noncontrolling Interest [Abstract]

Schedule of Activity in Redeemable Noncontrolling Interest

The following table summarizes the activity in the redeemable non-controlling interests for the periods indicated below:


	Fiscal Year Ended January 31,
	2024		2025		2026
Balance, beginning of period	$	3,589	$	3,428	$	8,286
Investment by redeemable non-controlling interest	983		—		—
Net income (loss) attributable to redeemable non-controlling interest (excluding adjustment to non-controlling interest)	(1,109)		(472)		141
Foreign currency translation	13		7		2
Adjustment to redeemable non-controlling interest	(71)		5,301		4,382
Stock-based compensation expense (1)	23		22		(74)
Balance, end of period	$	3,428	$	8,286	$	12,737

(1) nCino K.K. stock options granted in accordance with nCino K.K.’s equity incentive plan.

Commitment and Contingencies (Tables)

12 Months Ended

Jan. 31, 2026

Commitments and Contingencies Disclosure [Abstract]

Schedule of Purchase Commitments and Future Minimum Lease Payments

Purchase commitments and future minimum lease payments required under financing obligations as of January 31, 2026 were as follows:


	Purchase commitments		Financing obligations - leased facility
Fiscal 2027	$	86,486	$	4,257
Fiscal 2028	78,161		4,363
Fiscal 2029	1,138		4,136
Fiscal 2030	—		—
Fiscal 2031	—		—
Thereafter	—		—
Total	$	165,785	$	12,756
Residual financing obligations and assets			48,053
Less: amount representing interest			(9,591)
Financing obligations			$	51,218

Summary of Business and Significant Accounting Policies - Schedule of Activity in Allowance for Doubtful Accounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance, beginning of period	$ 1,229	$ 1,451	$ 899
Charged to bad debt expense	1,716	85	1,081
Charged to deferred revenue	19	0	747
Write-offs and other	(155)	(304)	(1,275)
Translation adjustments	16	(3)	(1)
Balance, end of period	$ 2,825	$ 1,229	$ 1,451

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
Cybersecurity Risk Management and Strategy Disclosure	Jan. 31, 2026
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	nCino has implemented a variety of cybersecurity processes, technologies, and controls to aid in our efforts to identify, assess, and manage material risks. Our approach includes (i) nCino’s Enterprise Risk Management Program, as managed by the Internal Audit & Enterprise Risk Management Department and overseen by the Audit Committee of the Board, who provide formal oversight of our cybersecurity risk; (ii) cybersecurity risk and threat assessments; (iii) vulnerability management programs designed to identify hardware and software vulnerabilities; (iv) variety of tools designed to monitor our networks and systems for suspicious activity; and (v) incident response plans and trainings. The Enterprise Risk Management Program includes a cybersecurity risk management process and a formal Information Security Management System (“ISMS”) as foundational components of the program covering cybersecurity. Within this process, we routinely assess risks that could affect the organization’s ability to meet its business objectives and provide reliable services to our customers. nCino conducts annual cybersecurity risk and threat assessments which include detailed control analyses for measuring both inherent and residual risk factors. These assessments are performed by nCino Information Security as part of ISO 27001 ISMS requirements, framework and certification. Our annual risk assessment, aligned to ISO 27001 and National Institute of Standards and Technology (“NIST”), is the basis for security risk identification, with additional assessments to address risks that threaten the achievement of established control objectives. Threats to security, confidentiality, and availability are identified and assessed as part of our annual and routine risk assessments and regularly evaluated through internal audits. We supplement internal efforts with independent third-party assessments and annual compliance audits, including SOC 1, SOC 2, and ISO 27001 certifications. The results of these audits are reviewed by management and our Audit Committee, with any identified gaps or recommendations incorporated into our remediation tracking and monitoring process. Additional information on the cybersecurity risks we face is discussed in Part I, Item 1A of this Annual Report on Form 10-K, “Risk Factors.”
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	The Enterprise Risk Management Program includes a cybersecurity risk management process and a formal Information Security Management System (“ISMS”) as foundational components of the program covering cybersecurity. Within this process, we routinely assess risks that could affect the organization’s ability to meet its business objectives and provide reliable services to our customers.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	nCino conducts annual cybersecurity risk and threat assessments which include detailed control analyses for measuring both inherent and residual risk factors. These assessments are performed by nCino Information Security as part of ISO 27001 ISMS requirements, framework and certification. Our annual risk assessment, aligned to ISO 27001 and National Institute of Standards and Technology (“NIST”), is the basis for security risk identification, with additional assessments to address risks that threaten the achievement of established control objectives. Threats to security, confidentiality, and availability are identified and assessed as part of our annual and routine risk assessments and regularly evaluated through internal audits. We supplement internal efforts with independent third-party assessments and annual compliance audits, including SOC 1, SOC 2, and ISO 27001 certifications. The results of these audits are reviewed by management and our Audit Committee, with any identified gaps or recommendations incorporated into our remediation tracking and monitoring process. Additional information on the cybersecurity risks we face is discussed in Part I, Item 1A of this Annual Report on Form 10-K, “Risk Factors.” Governance nCino’s Chief Information Security Officer (“CISO”) is responsible for identifying, assessing, and managing material cybersecurity risks. nCino’s CISO brings over 25 years of experience in security and risk management to the Company, reporting to our Information Security Committee, comprised of executive leadership, cybersecurity-focused committees, and to nCino’s Board of Directors. The CISO provides quarterly reports to the Audit Committee and annual briefings to the full Board of Directors. nCino’s CISO reports cybersecurity risk assessment results at the Enterprise Risk Management Committee, Information Security, and Board and Audit Committee Meetings. nCino uses formal and informal education and training efforts to identify and mitigate cybersecurity risk, which includes external collaboration with peers and industry groups. nCino maintains a documented process for when and by whom senior management is informed of a cybersecurity incident and when such information will be reported to affected parties. To further mitigate the impact of any cybersecurity incidents, we maintain cybersecurity insurance in amounts that we believe are appropriate for our business. These processes are detailed within our Incident Response Plan which is regularly reviewed and updated by the information security team.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	nCino conducts annual cybersecurity risk and threat assessments which include detailed control analyses for measuring both inherent and residual risk factors. These assessments are performed by nCino Information Security as part of ISO 27001 ISMS requirements, framework and certification.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	nCino’s CISO reports cybersecurity risk assessment results at the Enterprise Risk Management Committee, Information Security, and Board and Audit Committee Meetings. nCino uses formal and informal education and training efforts to identify and mitigate cybersecurity risk, which includes external collaboration with peers and industry groups.
Cybersecurity Risk Role of Management [Text Block]	. Our annual risk assessment, aligned to ISO 27001 and National Institute of Standards and Technology (“NIST”), is the basis for security risk identification, with additional assessments to address risks that threaten the achievement of established control objectives. Threats to security, confidentiality, and availability are identified and assessed as part of our annual and routine risk assessments and regularly evaluated through internal audits. We supplement internal efforts with independent third-party assessments and annual compliance audits, including SOC 1, SOC 2, and ISO 27001 certifications. The results of these audits are reviewed by management and our Audit Committee, with any identified gaps or recommendations incorporated into our remediation tracking and monitoring process. Additional information on the cybersecurity risks we face is discussed in Part I, Item 1A of this Annual Report on Form 10-K, “Risk Factors.”
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	nCino conducts annual cybersecurity risk and threat assessments which include detailed control analyses for measuring both inherent and residual risk factors. These assessments are performed by nCino Information Security as part of ISO 27001 ISMS requirements, framework and certification. Our annual risk assessment, aligned to ISO 27001 and National Institute of Standards and Technology (“NIST”), is the basis for security risk identification, with additional assessments to address risks that threaten the achievement of established control objectives. Threats to security, confidentiality, and availability are identified and assessed as part of our annual and routine risk assessments and regularly evaluated through internal audits. We supplement internal efforts with independent third-party assessments and annual compliance audits, including SOC 1, SOC 2, and ISO 27001 certifications. The results of these audits are reviewed by management and our Audit Committee, with any identified gaps or recommendations incorporated into our remediation tracking and monitoring process. Additional information on the cybersecurity risks we face is discussed in Part I, Item 1A of this Annual Report on Form 10-K, “Risk Factors.” Governance nCino’s Chief Information Security Officer (“CISO”) is responsible for identifying, assessing, and managing material cybersecurity risks. nCino’s CISO brings over 25 years of experience in security and risk management to the Company, reporting to our Information Security Committee, comprised of executive leadership, cybersecurity-focused committees, and to nCino’s Board of Directors. The CISO provides quarterly reports to the Audit Committee and annual briefings to the full Board of Directors. nCino’s CISO reports cybersecurity risk assessment results at the Enterprise Risk Management Committee, Information Security, and Board and Audit Committee Meetings. nCino uses formal and informal education and training efforts to identify and mitigate cybersecurity risk, which includes external collaboration with peers and industry groups. nCino maintains a documented process for when and by whom senior management is informed of a cybersecurity incident and when such information will be reported to affected parties. To further mitigate the impact of any cybersecurity incidents, we maintain cybersecurity insurance in amounts that we believe are appropriate for our business. These processes are detailed within our Incident Response Plan which is regularly reviewed and updated by the information security team.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	nCino’s CISO reports cybersecurity risk assessment results at the Enterprise Risk Management Committee,
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	nCino’s CISO reports cybersecurity risk assessment results at the Enterprise Risk Management Committee, Information Security, and Board and Audit Committee Meetings. nCino uses formal and informal education and training efforts to identify and mitigate cybersecurity risk, which includes external collaboration with peers and industry groups. nCino maintains a documented process for when and by whom senior management is informed of a cybersecurity incident and when such information will be reported to affected parties. To further mitigate the impact of any cybersecurity incidents, we maintain cybersecurity insurance in amounts that we believe are appropriate for our business. These processes are detailed within our Incident Response Plan which is regularly reviewed and updated by the information security team.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Revolving Credit Facility (Details) $ in Thousands	Oct. 28, 2024 USD ($)	Mar. 17, 2024 USD ($)	Jan. 31, 2026 USD ($)	Jan. 31, 2025 USD ($)	Feb. 11, 2022 USD ($)
Line of Credit Facility [Line Items]
Debt instrument, capital stock of foreign subsidiaries owned, percentage			65.00%
Unamortized debt issuance cost			$ 1,100	$ 1,400
Revolving credit facility, noncurrent			213,500	166,000
Line of Credit \| Minimum
Line of Credit Facility [Line Items]
Debt instrument, covenant, consolidated interest coverage ratio	3.00
Line of Credit \| Maximum
Line of Credit Facility [Line Items]
Debt instrument, covenant, senior secured leverage ratio	4.00
Revolving Credit Facility \| Bank of America, NA \| Line of Credit
Line of Credit Facility [Line Items]
Line of credit facility, maximum borrowing capacity					$ 50,000
Letter of Credit
Line of Credit Facility [Line Items]
Line of credit facility, maximum borrowing capacity	$ 45,000
Letter of Credit \| Line of Credit
Line of Credit Facility [Line Items]
Revolving credit facility, noncurrent			$ 213,500	$ 166,000
Debt instrument, interest rate, stated percentage			5.68%
Line of credit, available borrowing capacity			$ 36,500
Line of Credit
Line of Credit Facility [Line Items]
Line of credit facility, maximum borrowing capacity	$ 250,000	$ 100,000
Line of credit facility, unused capacity, commitment fee percentage	0.25%	0.30%
Line of Credit \| Variable Rate, Case One
Line of Credit Facility [Line Items]
Debt instrument, basis spread on variable rate	1.00%	1.3125%
Line of Credit \| Variable Rate, Case Two
Line of Credit Facility [Line Items]
Debt instrument, basis spread on variable rate	2.00%	2.3125%
Line of Credit \| Federal Funds Rate
Line of Credit Facility [Line Items]
Debt instrument, basis spread on variable rate	0.50%	0.50%
Line of Credit \| Secured Overnight Financing Rate (SOFR)
Line of Credit Facility [Line Items]
Debt instrument, basis spread on variable rate	1.00%	1.00%
Line of Credit \| Base Rate \| Minimum \| Variable Rate, Case One
Line of Credit Facility [Line Items]
Debt instrument, basis spread on variable rate	0.00%	0.00%
Line of Credit \| Base Rate \| Minimum \| Variable Rate, Case Two
Line of Credit Facility [Line Items]
Debt instrument, basis spread on variable rate	0.00%	0.00%

Business Combinations - Schedule of Estimated Fair Value of Consideration Transferred (Details) - USD ($) $ in Thousands			12 Months Ended
	Apr. 30, 2025	Feb. 07, 2025	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Business Combination [Line Items]
Noncash consideration for settlement of preexisting contract			$ 1,354	$ 0	$ 0
Contingent consideration			$ 9,700	$ 0
Sandbox
Business Combination [Line Items]
Cash consideration (net of working capital adjustments)	$ 53,500	$ 53,488
Noncash consideration for settlement of preexisting contract		1,354
Contingent consideration	$ 500	8,100
Business combination, consideration transferred		$ 62,942

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

Goodwill and Intangible Assets - Schedule of Expected Future Amortization Expense (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]
2027	$ 34,207
2028	19,740
2029	19,640
2030	17,304
2031	14,657
Thereafter	30,110
Net Carrying Amount	$ 135,658	$ 154,571

Restructuring

12 Months Ended

Jan. 31, 2026

Restructuring and Related Activities [Abstract]

Restructuring

2023 Restructuring Plan

In the fourth quarter of fiscal 2023, the Company announced a workforce reduction of approximately 7% and office space reductions in certain markets (collectively, the “2023 Restructuring Plan”) in furtherance of its efforts to improve operating margins and advance the Company’s objective of profitable growth.

Lease termination costs were accounted for in accordance with ASC 842, Leases. During fiscal 2023, the Company paid to exercise an early termination clause to exit a facility during fiscal 2024, which was accounted for as a lease modification.

The Company’s restructuring charges under the 2023 Restructuring Plan were for expenses that reduced operating lease right-of-use assets on the consolidated balance sheets and were as follows:


	Fiscal Year Ended January 31,
	2024

Cost of subscription revenues	$	51
Cost of professional services and other revenues	118
Sales and marketing	100
Research and development	352
General and administrative	6
Total	$	627

The Company had no restructuring charges for the fiscal year ended January 31, 2025.

2026 Restructuring Plan

In the second quarter of fiscal 2026, the Company announced a workforce reduction of approximately 7% and office space reductions in certain markets (collectively, the “2026 Restructuring Plan”) in furtherance of its efforts to improve operational efficiencies. The Company substantially completed the 2026 Restructuring Plan during the second quarter of fiscal 2026.

Our restructuring costs consist primarily of severance and termination benefits, exit costs and asset write-offs. Severance costs generally include severance payments, outplacement services, health insurance coverage, and employer tax liabilities. Exit costs primarily consist of a lease exit costs and contract termination costs. Lease termination costs include $1.7 million in lease termination payments, offset by a $0.6 million gain from the derecognition of operating lease right-of-use assets and operating lease liabilities.

The Company’s restructuring charges under the 2026 Restructuring Plan were as follows:


	Fiscal Year Ended January 31, 2026
		Severance Costs		Exit Costs		Asset Write-offs		Total
Cost of subscription revenues		$	422	$	53	$	17	$	492
Cost of professional services and other revenues		534		139		46		719
Sales and marketing		1,274		128		42		1,444
Research and development		3,710		221		73		4,004
General and administrative		1,071		1,192		1,155		3,418
Total		$	7,011	$	1,733	$	1,333	$	10,077

The activity of the 2026 Restructuring Plan liabilities was as follows:


Balance at January 31, 2025	$	—
Charges incurred	10,077
Cash payments	(8,542)
Non-cash items	(674)
Balance at January 31, 2026	$	861

2026 Restructuring Plan liabilities are included in our consolidated balance sheets as follows:


	As of January 31, 2026

Included in accrued expenses and other current liabilities	$	553
Included in other long-term liabilities	308
Total	$	861

Basic and Diluted Net Income (Loss) per Share - Schedule of Earnings Per Share, Basic (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Numerator
Net income (loss) attributable to nCino, Inc.	$ 5,180	$ (37,878)	$ (42,346)
Denominator
Weighted average-common shares outstanding basic (in shares)	112,883,703	115,162,175	112,672,397
Basic (in USD per share)	$ 0.05	$ (0.33)	$ (0.38)

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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-Subparagraph (a)
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Reference 47: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 10
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-Section 45
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B

Reference 48: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Paragraph 4
-Subparagraph (f)(4)
-Publisher FASB
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-Topic 942
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-Name Accounting Standards Codification
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-Paragraph 1
-Subparagraph (SX 210.9-04(22))
-Publisher FASB
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+ Details

Income Taxes (Tables)

12 Months Ended

Jan. 31, 2026

Income Tax Disclosure [Abstract]

Schedule of Income before Income Tax, Domestic and Foreign

The components of income (loss) before income taxes by domestic and foreign jurisdictions were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
United States	$	(61,994)	$	(26,326)	$	(8,285)
Foreign	20,058		(9,234)		14,992
Income (loss) before income taxes	$	(41,936)	$	(35,560)	$	6,707

Schedule of Components of Income Tax Expense (Benefit)

The components of the income tax provision (benefit) consisted of the following:


	Fiscal Year Ended January 31,
	2024		2025		2026
Current:
Federal	$	—	$	498	$	186
State	489		487		637
Foreign	3,441		3,622		2,368
Total current	3,930		4,607		3,191
Deferred:
Federal	819		(2,870)		(959)
State	629		(1,200)		494
Foreign	(3,788)		(3,048)		(5,722)
Total deferred	(2,340)		(7,118)		(6,187)
Total income tax provision (benefit)	$	1,590	$	(2,511)	$	(2,996)

Schedule of Effective Income Tax Rate Reconciliation

A reconciliation of the income tax (provision) benefit to the amount computed by applying the 21% statutory U.S. federal income tax rate to loss before income taxes for years prior to the adoption of ASU 2023-09 is as follows:


	Fiscal Year Ended January 31,
	2024		2025
Income taxes at statutory rate	21.0	%	21.0	%
State income tax (provision) benefit, net of federal impact	(2.7)		1.6
Tax credits	23.9		9.7
Changes in valuation allowance	(10.5)		7.7
Federal return to provision	(19.7)		1.3
Foreign rate differential	(1.7)		1.2

Other	0.2		(1.0)
Stock-based compensation	(1.0)		(1.3)
Nondeductible expenses	(1.0)		(1.3)
Deferred adjustments	0.0		(1.5)
Effects of non-U.S. operations	(0.5)		(1.6)
GILTI inclusion	(6.8)		(2.2)
Transaction costs	0.0		(3.1)
Executive compensation	(5.0)		(8.2)
Uncertain tax positions	0.0		(15.2)
	(3.8)	%	7.1	%

A reconciliation of the income tax benefit to the amount computed by applying the 21% statutory U.S. federal income tax rate to income before income taxes after the adoption of ASU 2023-09 is as follows:


	Fiscal Year Ended January 31,
	2026
	($ in thousands)		%
U.S. Federal Statutory Tax Rate	$	1,408	21.0	%
State and Local Income Tax, net of federal (national) income tax effect(1)	282		4.2
Foreign Tax Effects
United Kingdom
Return to provision	(4,107)		(61.2)
Changes in valuation allowance	(2,739)		(40.8)
Other	533		7.9
Canada	529		7.9
Other foreign jurisdictions	(923)		(13.8)

Effect of cross-border tax laws

Effects of non-U.S. operations	734		10.9
Tax credits
Research and development credits	(2,500)		(37.3)
Changes in valuation allowances	(1,357)		(20.2)
Nontaxable or nondeductible items
Executive compensation	2,952		44.0
Stock-based compensation	2,356		35.1
Other	359		5.4
Changes in unrecognized tax benefits	926		13.8
Other adjustments
Return to provision	(1,559)		(23.2)
Other	110		1.6
Total	$	(2,996)	(44.7)	%

(1) State taxes in Minnesota and Texas made up the majority (greater than 50%) of the tax effect in this category.

Schedule of Deferred Tax Assets and Liabilities

Significant components of the Company’s net deferred tax assets and liabilities were as follows:


	As of January 31,
	2025		2026
Deferred tax assets:
Net operating losses	$	118,820	$	131,336
Research and development	48,056		40,662
Tax credits	17,104		21,689
Financing obligations and lease liabilities	16,591		15,079
Equity compensation	11,108		9,637
Reserves and accruals	4,747		5,030
Other	1,587		2,329
Total deferred tax assets	218,013		225,762
Less valuation allowance	(160,289)		(151,661)
Total deferred tax assets, net of valuation allowances	57,724		74,101
Deferred tax liabilities:
Intangible assets	(38,429)		(39,903)
Depreciation	(13,522)		(12,964)
Contract acquisition costs	(9,254)		(11,889)
Lease asset	(4,048)		(3,154)

Deferred revenue	(121)		(789)
Total deferred tax liabilities	(65,374)		(68,699)
Net deferred tax assets (liabilities)	$	(7,650)	$	5,402

Net deferred tax asset (liabilities) were included in the consolidated balance sheets as follows:


	As of January 31,
	2025		2026
Long-term prepaid expenses and other assets	$	6,201	$	12,422
Deferred income taxes, noncurrent	(13,851)		(7,020)
Net deferred tax asset (liabilities)	$	(7,650)	$	5,402

Schedule of Operating Loss Carryforwards

The net operating loss and tax credit carryforwards as of January 31, 2026 were as follows:


	As of January 31, 2026	First Fiscal Year Expiring

Federal net operating loss carryforwards(1)	394,556	None
State net operating loss carryforwards(1)	249,245	2027
State net operating loss carryforwards(1)	100,836	None
Foreign net operating loss carryforwards	8,827	2031
Foreign net operating loss carryforwards(1)	115,776	None
Federal tax credit carryforwards(1)	17,650	2037
State tax credit carryforwards	6,815	2032

(1) The Company acquired a portion of these carryforwards through mergers and acquisitions. These acquired carryforwards will be subject to limitations which could limit the Company’s utilization in future periods.

Schedule of Tax Credit Carryforwards

The net operating loss and tax credit carryforwards as of January 31, 2026 were as follows:


	As of January 31, 2026	First Fiscal Year Expiring

Federal net operating loss carryforwards(1)	394,556	None
State net operating loss carryforwards(1)	249,245	2027
State net operating loss carryforwards(1)	100,836	None
Foreign net operating loss carryforwards	8,827	2031
Foreign net operating loss carryforwards(1)	115,776	None
Federal tax credit carryforwards(1)	17,650	2037
State tax credit carryforwards	6,815	2032

Schedule of Unrecognized Tax Benefits

A reconciliation of the gross beginning and ending balance of total unrecognized tax benefits is as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Balance, beginning of period	$	—	$	—	$	6,692
Additions for current year tax positions	—		1,094		951
Additions for prior year tax positions	—		4,357		815
Additions for current year acquisitions	—		1,241		10
Balance, end of period	$	—	$	6,692	$	8,468

Schedule of Cash Taxes Paid

We adopted ASU 2023-09 on a prospective basis for the fiscal year ended January 31, 2026 and have included the following table as a result of our adoption, which presents income taxes paid (net of refunds received) for the fiscal year ended January 31, 2026:


Federal	$	123
State	591
Foreign
New Zealand	1,542
Canada	1,023
United Kingdom	562
Germany	424
Other	102
Total	$	4,367

Cash paid for taxes, net of refunds, for the fiscal years ended January 31, 2024 and 2025, was $3.2 million and $3.6 million, respectively.

Goodwill and Intangible Assets - Schedule of Intangible Assets (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Finite-Lived Intangible Assets [Line Items]
Gross Amount	$ 257,210	$ 239,174
Accumulated Amortization	(121,552)	(84,603)
Net Carrying Amount	$ 135,658	154,571
Weighted Average Remaining Useful Life (Years)	6 years 2 months 12 days
Developed technology
Finite-Lived Intangible Assets [Line Items]
Gross Amount	$ 102,443	97,029
Accumulated Amortization	(70,334)	(49,819)
Net Carrying Amount	$ 32,109	47,210
Weighted Average Remaining Useful Life (Years)	2 years 4 months 24 days
Customer relationships
Finite-Lived Intangible Assets [Line Items]
Gross Amount	$ 151,399	139,315
Accumulated Amortization	(48,095)	(33,315)
Net Carrying Amount	$ 103,304	106,000
Weighted Average Remaining Useful Life (Years)	7 years 3 months 18 days
Trademarks and trade name
Finite-Lived Intangible Assets [Line Items]
Gross Amount	$ 1,999	1,461
Accumulated Amortization	(1,991)	(615)
Net Carrying Amount	$ 8	846
Weighted Average Remaining Useful Life (Years)	1 month 6 days
Other
Finite-Lived Intangible Assets [Line Items]
Gross Amount	$ 1,369	1,369
Accumulated Amortization	(1,132)	(854)
Net Carrying Amount	$ 237	$ 515
Weighted Average Remaining Useful Life (Years)	2 years 2 months 12 days

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Fair Value Measurements - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - Fair Value, Measurement, Recurring - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Level 1
Assets:
Time deposits (included in prepaid expenses and other current assets)	$ 142
Time deposits (included in long-term prepaid expenses and other assets)	169	$ 339
Total assets	10,899	39,180
Liabilities:
Contingent consideration (included in accrued expenses and other current liabilities)	0
Total liabilities	0
Level 1 \| Money Market Funds
Assets:
Money market accounts (included in cash and cash equivalents)	10,588	38,841
Level 2
Assets:
Time deposits (included in prepaid expenses and other current assets)	0
Time deposits (included in long-term prepaid expenses and other assets)	0	0
Total assets	0	0
Liabilities:
Contingent consideration (included in accrued expenses and other current liabilities)	0
Total liabilities	0
Level 2 \| Money Market Funds
Assets:
Money market accounts (included in cash and cash equivalents)	0	0
Level 3
Assets:
Time deposits (included in prepaid expenses and other current assets)	0
Time deposits (included in long-term prepaid expenses and other assets)	0	0
Total assets	0	0
Liabilities:
Contingent consideration (included in accrued expenses and other current liabilities)	9,700
Total liabilities	9,700
Level 3 \| Money Market Funds
Assets:
Money market accounts (included in cash and cash equivalents)	$ 0	$ 0

Income Taxes

12 Months Ended

Jan. 31, 2026

Income Tax Disclosure [Abstract]

Income Taxes

The components of income (loss) before income taxes by domestic and foreign jurisdictions were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
United States	$	(61,994)	$	(26,326)	$	(8,285)
Foreign	20,058		(9,234)		14,992
Income (loss) before income taxes	$	(41,936)	$	(35,560)	$	6,707

The components of the income tax provision (benefit) consisted of the following:


	Fiscal Year Ended January 31,
	2024		2025		2026
Current:
Federal	$	—	$	498	$	186
State	489		487		637
Foreign	3,441		3,622		2,368
Total current	3,930		4,607		3,191
Deferred:
Federal	819		(2,870)		(959)
State	629		(1,200)		494
Foreign	(3,788)		(3,048)		(5,722)
Total deferred	(2,340)		(7,118)		(6,187)
Total income tax provision (benefit)	$	1,590	$	(2,511)	$	(2,996)


	Fiscal Year Ended January 31,
	2024		2025
Income taxes at statutory rate	21.0	%	21.0	%
State income tax (provision) benefit, net of federal impact	(2.7)		1.6
Tax credits	23.9		9.7
Changes in valuation allowance	(10.5)		7.7
Federal return to provision	(19.7)		1.3
Foreign rate differential	(1.7)		1.2

Other	0.2		(1.0)
Stock-based compensation	(1.0)		(1.3)
Nondeductible expenses	(1.0)		(1.3)
Deferred adjustments	0.0		(1.5)
Effects of non-U.S. operations	(0.5)		(1.6)
GILTI inclusion	(6.8)		(2.2)
Transaction costs	0.0		(3.1)
Executive compensation	(5.0)		(8.2)
Uncertain tax positions	0.0		(15.2)
	(3.8)	%	7.1	%


	Fiscal Year Ended January 31,
	2026
	($ in thousands)		%
U.S. Federal Statutory Tax Rate	$	1,408	21.0	%
State and Local Income Tax, net of federal (national) income tax effect(1)	282		4.2
Foreign Tax Effects
United Kingdom
Return to provision	(4,107)		(61.2)
Changes in valuation allowance	(2,739)		(40.8)
Other	533		7.9
Canada	529		7.9
Other foreign jurisdictions	(923)		(13.8)

Effect of cross-border tax laws

Effects of non-U.S. operations	734		10.9
Tax credits
Research and development credits	(2,500)		(37.3)
Changes in valuation allowances	(1,357)		(20.2)
Nontaxable or nondeductible items
Executive compensation	2,952		44.0
Stock-based compensation	2,356		35.1
Other	359		5.4
Changes in unrecognized tax benefits	926		13.8
Other adjustments
Return to provision	(1,559)		(23.2)
Other	110		1.6
Total	$	(2,996)	(44.7)	%

(1) State taxes in Minnesota and Texas made up the majority (greater than 50%) of the tax effect in this category.

Significant components of the Company’s net deferred tax assets and liabilities were as follows:


	As of January 31,
	2025		2026
Deferred tax assets:
Net operating losses	$	118,820	$	131,336
Research and development	48,056		40,662
Tax credits	17,104		21,689
Financing obligations and lease liabilities	16,591		15,079
Equity compensation	11,108		9,637
Reserves and accruals	4,747		5,030
Other	1,587		2,329
Total deferred tax assets	218,013		225,762
Less valuation allowance	(160,289)		(151,661)
Total deferred tax assets, net of valuation allowances	57,724		74,101
Deferred tax liabilities:
Intangible assets	(38,429)		(39,903)
Depreciation	(13,522)		(12,964)
Contract acquisition costs	(9,254)		(11,889)
Lease asset	(4,048)		(3,154)

Deferred revenue	(121)		(789)
Total deferred tax liabilities	(65,374)		(68,699)
Net deferred tax assets (liabilities)	$	(7,650)	$	5,402

The Company’s net deferred tax asset (liabilities) were adjusted during fiscal 2026 to include $7.3 million of net deferred tax liabilities related to business combinations.

Net deferred tax asset (liabilities) were included in the consolidated balance sheets as follows:


	As of January 31,
	2025		2026
Long-term prepaid expenses and other assets	$	6,201	$	12,422
Deferred income taxes, noncurrent	(13,851)		(7,020)
Net deferred tax asset (liabilities)	$	(7,650)	$	5,402

The Company continually assesses the realizability of its deferred tax assets based on an evaluative process that considers all available positive and negative evidence. The Company has established a valuation allowance in the amount of $160.3 million and $151.7 million as of January 31, 2025 and 2026, respectively, because the Company believes it is more likely than not that the deferred tax assets in jurisdictions excluding several foreign jurisdictions will not be realized.

We continue to maintain a valuation allowance against our deferred tax assets in several jurisdictions, including the U.S. and U.K. Management determines when a valuation allowance should be recorded, utilizing significant judgment and the use of estimates. Through acquisitions, the Company recorded a net U.S. deferred tax liability mostly related to identifiable intangible assets, reducing the valuation allowance in the United States by $2.0 million. Additionally, the Company reduced the valuation allowance in the United Kingdom by $2.8 million due to the ability to utilize acquired deferred tax attributes as part of corporate reorganizations related to foreign acquisitions during the Company’s fiscal 2026.

For the fiscal years ended January 31, 2024, 2025, and 2026, the valuation allowance increased (decreased) by $9.9 million, $12.0 million, and $(8.6) million, respectively.

The Company maintains its assertion of the Company’s intent for certain foreign earnings to be indefinitely reinvested. As of January 31, 2026, the Company has not recorded taxes on approximately $37.4 million of cumulative undistributed earnings of the Company’s non-U.S. subsidiaries. The Company generally does not provide for taxes related to the Company’s undistributed earnings because such earnings either would not be taxable when remitted or they are indefinitely reinvested. If in the foreseeable future, the Company can no longer demonstrate that these earnings are indefinitely reinvested, a tax liability will be recognized, which could include other taxes such as withholding tax. The determination of the amount of the unrecognized tax liability is directly influenced by the Company’s net operating income (loss) and valuation allowance position in the U.S. If the Company were to repatriate the undistributed earnings, the tax liability is $0.9 million.

The net operating loss and tax credit carryforwards as of January 31, 2026 were as follows:


	As of January 31, 2026	First Fiscal Year Expiring

Federal net operating loss carryforwards(1)	394,556	None
State net operating loss carryforwards(1)	249,245	2027
State net operating loss carryforwards(1)	100,836	None
Foreign net operating loss carryforwards	8,827	2031
Foreign net operating loss carryforwards(1)	115,776	None
Federal tax credit carryforwards(1)	17,650	2037
State tax credit carryforwards	6,815	2032

In 2021, the Organization of Economic Cooperation and Development introduced its Pillar Two Framework Model Rules (“Pillar 2”). The Company is under the revenue threshold where Pillar 2 would not apply and is not subject to tax under these rules. The Company will continue to monitor and reflect the impact of such legislative changes in future financial statements as appropriate.

On July 4, 2025, H.R. 1, the One Big Beautiful Bill Act, was signed into law. This legislation includes several changes to federal tax law that generally allow for more favorable deductibility of certain business expenses beginning in the Company’s fiscal 2026, including the restoration of immediate expensing of domestic research and development expenditures, more favorable rules for determining limitations on deductions for interest expense, and reinstatement of accelerated fixed asset depreciation. These changes were reflected in the income tax provision during the second quarter of the Company’s fiscal 2026 and did not result in material changes to the Company’s tax position.

A reconciliation of the gross beginning and ending balance of total unrecognized tax benefits is as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Balance, beginning of period	$	—	$	—	$	6,692
Additions for current year tax positions	—		1,094		951
Additions for prior year tax positions	—		4,357		815
Additions for current year acquisitions	—		1,241		10
Balance, end of period	$	—	$	6,692	$	8,468

As of January 31, 2026, gross unrecognized tax benefits related to uncertain tax positions were $8.5 million. The total amount of unrecognized tax benefits that, if recognized, would impact the effective tax rate would be $2.0 million for the year ended January 31, 2026.

The Company’s policy for classifying interest and penalties with unrecognized tax benefits is to include such items in income tax expense. The total amount of interest and penalties associated with unrecognized tax benefits is $1.8 million for the year ended January 31, 2026.

The Company is subject to taxation in the U.S. federal and various state and foreign jurisdictions. As of January 31, 2026, the Company is no longer subject to U.S. federal and state examinations by tax authorities for tax years prior to 2022. However, amounts reported as net operating losses and tax credit carryforwards from these tax periods remain subject to review by most tax authorities.

Cash Taxes Paid


Federal	$	123
State	591
Foreign
New Zealand	1,542
Canada	1,023
United Kingdom	562
Germany	424
Other	102
Total	$	4,367

Cash paid for taxes, net of refunds, for the fiscal years ended January 31, 2024 and 2025, was $3.2 million and $3.6 million, respectively.

- Definition

The entire disclosure for income tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 740
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/exampleRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 10
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147480990/946-20-50-13

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
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-Paragraph 1
-Subparagraph (SX 210.4-08(h)(2))
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/740/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
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-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-14

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-21

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
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-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-17

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482603/740-30-50-2

+ Details

Segment Information (Tables)

12 Months Ended

Jan. 31, 2026

Segment Reporting [Abstract]

Schedule of Financial Information

The following table presents selected financial information that is provided to our CODM:


	Fiscal Year Ended January 31,
	2024		2025		2026
Revenues	$	476,543	$	540,657	$	594,781
Less:
Adjusted cost of revenues(1)	163,449		182,887		197,328
Adjusted sales and marketing expense(2)	94,440		94,190		104,592
Adjusted research and development expense(3)	101,017		111,110		106,478
Adjusted general and administrative expense(4)	55,858		56,305		56,972
Interest income	(2,567)		(1,761)		(1,429)
Interest expense	4,135		8,763		17,457
Adjusted other (income) expense, net(5)	(54)		117		(1,797)
Other segment items(6)	102,201		124,606		108,473
Income tax provision (benefit)	1,590		(2,511)		(2,996)
Net income (loss)	$	(43,526)	$	(33,049)	$	9,703

(6) Other segment items are the adjustments described in the notes above.

Schedule of Revenues by Geographic Region

Revenues by geographic region were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
United States	$	387,201	$	424,432	$	463,261
United Kingdom	41,894		56,517		72,755
Other	47,448		59,708		58,765
	$	476,543	$	540,657	$	594,781

Schedule of Property and Equipment, Net and Operating ROU Assets, Net by Geographic Region

Long-lived assets, which consist of property and equipment, net and operating lease ROU assets, net by geographic region were as follows:


	As of January 31,
	2025		2026
United States	$	79,115	$	70,013
United Kingdom	9,760		16,587
Other	2,104		1,694
	$	90,979	$	88,294

Business Combinations - Narrative (Details) - USD ($) $ in Thousands							1 Months Ended	3 Months Ended	12 Months Ended
	May 01, 2025	Apr. 30, 2025	Feb. 07, 2025	Nov. 05, 2024	Apr. 01, 2024	Mar. 20, 2024	Jul. 31, 2024	Apr. 30, 2025	Jan. 31, 2026	Jan. 31, 2025
Business Combination [Line Items]
Goodwill adjustment									$ 10,018
Contingent consideration liability									$ 9,700	$ 0
Restricted Stock Units (RSUs)
Business Combination [Line Items]
Granted (in shares)									3,824,531
Award vesting period									4 years
DocFox
Business Combination [Line Items]
Payments to acquire businesses, post combination expense						$ 2,000
Transaction costs						3,900
Payments to acquire businesses, gross						74,300
Payments to acquire businesses, options settled						6,200
Payments to acquire businesses, consideration transferred						4,200
Business Combination, Consideration Transferred						$ 72,400
Goodwill adjustment								$ (1,000)
Decrease goodwill								1,000
DocFox \| Restricted Stock Units (RSUs)
Business Combination [Line Items]
Granted (in shares)						198,505
Share-based compensation arrangement by share-based payment award, equity instruments other than options, grants in period, fair value						$ 6,100
Award vesting period						4 years
Integrated Lending Technologies, LLC
Business Combination [Line Items]
Transaction costs					$ 900
Payments to acquire businesses, gross					19,900
Business combination, provisional information, initial accounting incomplete, adjustment, consideration transferred							$ 100
Business acquisition, goodwill, expected tax deductible amount					$ 11,100
FullCircl
Business Combination [Line Items]
Transaction costs				$ 3,600
Payments to acquire businesses, gross				129,200
Business Combination, Consideration Transferred				142,400
Goodwill adjustment									$ 9,000
Decrease goodwill									$ 9,000
Contingent consideration liability				15,000
Present value				13,200
Accretion (amortization) of discounts and premiums, business combinations				$ 1,800
Accretion period of discount on business combination (in years)				2 years
FullCircl \| Restricted Stock Units (RSUs)
Business Combination [Line Items]
Granted (in shares)				52,877
Share-based compensation arrangement by share-based payment award, equity instruments other than options, grants in period, fair value				$ 2,000
Award vesting period				4 years
Sandbox
Business Combination [Line Items]
Transaction costs			$ 1,400
Payments to acquire businesses, gross		$ 53,500	53,488
Business Combination, Consideration Transferred			62,942
Contingent consideration liability		$ 500	8,100					$ 500
Present value			$ 10,000
Sandbox \| Restricted Stock Units (RSUs)
Business Combination [Line Items]
Granted (in shares)	91,160
Share-based compensation arrangement by share-based payment award, equity instruments other than options, grants in period, fair value	$ 2,100
Award vesting period	4 years

Revenues - Schedule of Accounts Receivable and Less Allowance for Doubtful Accounts (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Revenue from Contract with Customer [Abstract]
Trade accounts receivable	$ 139,729	$ 122,394
Unbilled accounts receivable	28,131	23,662
Allowance for doubtful accounts	(2,825)	(1,229)
Other accounts receivable	1,505	1,960
Total accounts receivable, net	$ 166,540	$ 146,787

Segment Information - Schedule of Financial Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Revenue, Major Customer [Line Items]
Revenues	$ 594,781	$ 540,657	$ 476,543
Less:
Interest income	(1,429)	(1,761)	(2,567)
Interest expense	17,457	8,763	4,135
Income tax provision (benefit)	(2,996)	(2,511)	1,590
Net income (loss)	9,703	(33,049)	(43,526)
Reportable Segment
Revenue, Major Customer [Line Items]
Revenues	594,781	540,657	476,543
Less:
Adjusted cost of revenues	197,328	182,887	163,449
Adjusted sales and marketing expense	104,592	94,190	94,440
Adjusted research and development expense	106,478	111,110	101,017
Adjusted general and administrative expense	56,972	56,305	55,858
Interest income	(1,429)	(1,761)	(2,567)
Interest expense	17,457	8,763	4,135
Adjusted other (income) expense, net	(1,797)	117	(54)
Other segment items	108,473	124,606	102,201
Income tax provision (benefit)	(2,996)	(2,511)	1,590
Net income (loss)	$ 9,703	$ (33,049)	$ (43,526)

Balance Sheet Components - Schedule of Depreciation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Property, Plant and Equipment [Line Items]
Total depreciation expense	$ 5,796	$ 6,252	$ 8,038
Sales and marketing
Property, Plant and Equipment [Line Items]
Depreciation, nonproduction	1,264	1,291	1,734
Research and development
Property, Plant and Equipment [Line Items]
Depreciation, nonproduction	2,052	2,399	2,819
General and administrative
Property, Plant and Equipment [Line Items]
Depreciation, nonproduction	683	769	1,143
Subscriptions
Property, Plant and Equipment [Line Items]
Cost of subscription revenues	434	480	567
Professional services and other
Property, Plant and Equipment [Line Items]
Cost of subscription revenues	$ 1,363	$ 1,313	$ 1,775

Fair Value Measurements - Narrative (Details)	12 Months Ended
Fair Value Measurements - Narrative (Details)	Jan. 31, 2026 USD ($)	Jan. 31, 2025 USD ($)	Jan. 31, 2024 USD ($)	Feb. 07, 2025 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities without readily determinable fair value, upward price adjustment, annual amount	$ 500,000	$ 0.0	$ 200,000
Cumulative unrealized gains	700,000
Impairment loss	0	0	0
Realized investment gains	$ 1,200,000	$ 0.0	$ 0.0
Measurement Input, Discount Rate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs \| pURE	0.067
Weighted Average \| Measurement Input Expected Achievement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs \| pURE	1.000
Sandbox
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Potential payment				$ 10,000,000.0

Stockholders’ Equity and Stock-Based Compensation

12 Months Ended

Jan. 31, 2026

Equity [Abstract]

Stockholders’ Equity and Stock-Based Compensation

Stockholders’ Equity

A summary of the rights and key provisions affecting each class of the Company’s stock as of January 31, 2026, is as follows:

Preferred stock: The Board of Directors is authorized to establish one or more series of preferred stock and to fix the number of shares constituting such series and the designation of such series, including the voting powers, preferences, limitations, restrictions, and other special rights thereof. The Company’s preferred stock consists of 10,000,000 authorized shares, par value $0.001 per share.

Common stock: The Company’s common stock consists of 500,000,000 authorized shares, par value $0.0005 per share.

At January 31, 2026, the Company committed a total of 42,775,950 shares of common stock for future issuance as follows:


Issued and outstanding stock options			480,641
Nonvested issued and outstanding restricted stock units (“RSUs”)			6,425,128
Possible issuance under stock plans			35,870,181
			42,775,950

Stock Repurchase Programs

In March 2025, our Board of Directors authorized a stock repurchase program of up to $100.0 million of our outstanding common stock (the “March 2025 Stock Repurchase Program”). In December 2025, our Board of Directors authorized a stock repurchase program of $100.0 million of our outstanding common stock (the “December 2025 Stock Repurchase Program”).

As of January 31, 2026, the Company had completed the purchase authorization under the March 2025 Stock Repurchase Program and $75.0 million remained available for future repurchases under the December 2025 Stock Repurchase Program.

The Company may make repurchases, from time to time, through open market purchases, block trades, in privately negotiated transactions, accelerated stock repurchase transactions, or by other means. Open market repurchases will be structured to occur in accordance with applicable federal securities laws. The Company may also, from time to time, enter into Rule 10b5-1 plans to facilitate repurchases under this authorization. The volume, price, timing, and manner of any repurchases will be determined at the Company’s discretion, subject to general market conditions, as well as the Company’s management of capital, general business conditions, other investment opportunities, regulatory requirements and other factors. The Stock Repurchase Program does not obligate the Company to repurchase any specific amount of common stock, has no time limit, and may be modified, suspended, or discontinued at any time without notice at the discretion of our Board of Directors.

The following table summarizes the stock repurchase activity under the Company’s Stock Repurchase Programs (in thousands, except share and per share data):


	Fiscal Year Ended January 31,
	2025		2026
Total number of shares repurchased	—		4,964,054
Average price per share(1)	$	—	$	25.18
Aggregate purchase price(1)	$	—	$	124,998

(1) Excludes transaction costs and excise tax associated with the repurchases, if any.

All repurchases were made in open market transactions.

Stock-Based Compensation

Equity Incentive Plans

The Company has two equity incentive plans: the nCino, Inc. 2014 Omnibus Stock Ownership and Long-Term Incentive Plan (the “2014 Plan”) and the 2019 Amended and Restated Equity Incentive Plan (the “2019 Plan” and together with the 2014 Plan, the “Incentive Plans”). Under the 2014 Plan, the Board of Directors had allotted 15,025,666 shares of common stock for incentive options or non-qualified options as of January 31, 2026. Non-qualified options may be granted to Company employees, non-employee directors, and consultants. The exercise price of options is determined by the Board of Directors, but

cannot be less than 100% of the fair market value of the Company’s common stock on the date of the grant. The options generally vest in one of two ways:

•In equal annual installments over four years from the grant date.

•Upon a change in control transaction (with respect to certain Incentive Plan participants).

All options expire ten years from the grant date and, with respect to certain Incentive Plan participants, provide for accelerated vesting if there is a change in control of the Company.

In July 2019, the Company established the 2019 Equity Incentive Plan for the issuance of awards in the form of options, stock appreciation rights, restricted stock awards, restricted stock units, performance shares, performance units, cash-based awards, and other stock-based awards.

In connection with the Company’s initial public offering (“IPO”), the Company’s Board of Directors adopted and the Company’s stockholders approved the 2019 Plan which amended and restated the 2019 Equity Incentive Plan. All awards shall be granted within ten years from the effective date of the 2019 Plan and can only be granted to employees, officers, directors, and consultants and generally vest over four years.

Under the 2019 Plan, the number of available shares was increased to 15,250,000, plus an annual increase added on the first day of each fiscal year, beginning with the fiscal year ending January 31, 2022, and continuing until, and including, the fiscal year ending January 31, 2031. The annual increase will be equal to the lesser of (i) 5% of the number of shares issued and outstanding as of January 31 of the immediately preceding fiscal year and (ii) an amount determined by the Company’s Board of Directors. The Company ceased granting awards under the 2014 Plan during the fiscal year ended January 31, 2020, and all shares that remained available for issuance under the 2014 Plan were transferred to the 2019 Plan prior to the closing of the IPO. Additionally, the number of shares available under the 2019 Plan shall be increased by the number of shares outstanding under the 2014 Plan that expire, terminate or are canceled without having been exercised or settled in full. The 2014 Plan governs outstanding awards granted prior to the adoption of the 2019 Plan.

RSUs vest upon the satisfaction of a time-based condition. RSUs are generally earned over a service period of four years. For RSUs granted to the non-employee members of the Board of Directors, some vest in less than a year, some annually, and some over three years. The compensation expense related to these awards is based on the grant date fair value of the RSUs and is recognized on a ratable basis over the applicable service period.

As of January 31, 2026, the Company had stock options outstanding under the 2014 Plan, and stock options and RSUs outstanding under the 2019 Plan.

Stock Options

Stock option activity for the fiscal year ended January 31, 2026 was as follows:


	Number of Shares	Weighted Average Exercise Price		Weighted Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value (In thousands)
Outstanding, January 31, 2025	811,602	$	7.22	2.27	$	21,742

Expired or forfeited	(1,627)	14.70
Exercised	(329,334)	5.96			6,258
Outstanding, January 31, 2026	480,641	$	8.06	1.56	$	6,393
Exercisable, January 31, 2026	480,641	$	8.06	1.56	$	6,393
Fully vested or expected to vest, January 31, 2026	480,641	$	8.06	1.56	$	6,393

The total intrinsic value of options exercised during the fiscal years ended January 31, 2024, 2025, and 2026 was $19.0 million, $10.9 million, and $6.3 million, respectively. Aggregate intrinsic value represents the total pre-tax intrinsic value, which is computed based on the difference between the option exercise price and the estimated fair value of the

Company’s common stock at the time such option are exercised. This intrinsic value changes based on changes in the fair value of the Company’s underlying stock.

Restricted Stock Units

RSU activity during the fiscal year ended January 31, 2026 was as follows:


	Number of Shares	Weighted Average Grant Date Fair Value
Nonvested, January 31, 2025	6,105,459	$	32.78
Granted	3,824,531	24.81
Vested	(2,358,533)	33.32
Forfeited	(1,146,329)	30.65
Nonvested, January 31, 2026	6,425,128	$	28.01

The weighted average grant date fair value for RSUs granted during the fiscal years ended January 31, 2024, 2025, and 2026 was $25.65, $33.65, and $24.81, respectively.

The total fair value of RSUs vested for the fiscal years ended January 31, 2024, 2025, and 2026 was $48.2 million, $60.8 million, and $78.6 million, respectively.

As of January 31, 2026, total unrecognized compensation expense related to nonvested RSUs was $130.1 million, adjusted for estimated forfeitures, based on the estimated fair value of the Company’s common stock at the time of grant. That cost is expected to be recognized over a weighted average period of 2.71 years.

In the fourth quarter of fiscal 2026, we announced our Executive Chairman of the Board was transitioning to a non-employee director and Chairman of the Board beginning on February 1, 2026, which resulted in a modification to certain nonvested equity awards. In connection with this transition, the Company recognized incremental stock-based compensation expense related to nonvested RSUs of $4.6 million in fiscal 2026. In addition, an executive departed from their position, and we modified certain nonvested equity awards, resulting in incremental stock-based compensation expense related to nonvested RSUs of $0.4 million. The incremental expense associated with these modifications was recognized in general and administrative expenses on the Company’s consolidated statement of operations in fiscal 2026.

Employee Stock Purchase Plan

In July 2020, the Board of Directors adopted and stockholders approved the ESPP, which became effective immediately prior to the closing of the IPO. The ESPP includes two components, one component is intended to qualify as an “employee stock purchase plan” within the meaning of Section 423 of the Internal Revenue Code (the “Code”) and a component that does not qualify as an “employee stock purchase plan” under Section 423 of the Code. The ESPP initially reserved and authorized the issuance of up to a total of 1,800,000 shares of common stock to participating employees. The aggregate number of shares of the Company’s common stock under the ESPP will automatically increase on the first day of each fiscal year, beginning with the first fiscal year ending January 31, 2022 and continuing until the fiscal year ended January 31, 2031, by an amount equal to the lesser of (i) 1% of the shares of the Company’s common stock issued and outstanding on January 31 of the immediately preceding fiscal year, (ii) 1,800,000 shares of the Company’s common stock or (iii) an amount determined by the Board of Directors. As of January 31, 2026, 6,459,790 shares of common stock remain available for grant under the ESPP.

The ESPP permits employees to purchase the Company’s common stock through payroll deductions during six month offerings. The offering periods begin each January 1 and July 1, or such other period determined by the compensation committee. Eligible employees will purchase the shares at a price per share equal to the lesser of (i) 85% of the fair market value of a share of the Company’s common stock on the first business day of such offering period and (ii) 85% of the fair market value of a share of the Company’s common stock on the last business day of such offering period, although the compensation committee has discretion to change the purchase price with respect to future offering periods, subject to terms of the ESPP.

The first offering period for the ESPP began on July 1, 2021 and ended on December 31, 2021. Thereafter, offering periods will begin on January 1 and July 1.

The fair value of ESPP shares is estimated at the date of grant using the Black-Scholes option valuation model based on assumptions as follows for ESPP awards:

Expected life. The expected life reflects the period for which the Company believes the ESPP will remain outstanding. The expected term for the ESPP award approximates the offering period of six months.

Expected volatility. The expected volatility is based on the historical volatility of the Company’s common stock.

Expected dividends. The expected dividend yield is zero as the Company has not and does not expect to pay dividends.

Risk-free interest rate. The risk-free interest rate reflects the U.S. Treasury yield for a similar expected life instrument in effect at the time of the grant of the ESPP share.

The assumptions utilized for the ESPP shares for the fiscal years ended January 31, 2024, 2025, and 2026 were as follows:


	Fiscal Year Ended January 31,
	2024	2025	2026
Expected life (in years)	0.50	0.50	0.50
Expected volatility	38.70% - 61.86%	38.70% - 40.74%	39.41% - 46.91%
Expected dividends	0.00%	0.00%	0.00%
Risk-free interest rate	4.77% - 5.53%	4.25% - 5.37%	3.58% - 4.29%

As of January 31, 2026, total unrecognized compensation expense related to the ESPP was $0.6 million. That cost is expected to be recognized over the remaining term of the offering period that began on January 1, 2026 and will end on June 30, 2026.

Stock-Based Compensation Expense

Total stock-based compensation expense included in our consolidated statements of operations were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cost of subscription revenues	$	1,847	$	2,891	$	3,123
Cost of professional services and other revenues	9,369		11,977		12,373
Sales and marketing	15,417		17,016		14,307
Research and development	15,942		17,416		15,835
General and administrative	15,460		22,292		28,246
Total stock-based compensation expense	$	58,035	$	71,592	$	73,884

Commitment and Contingencies - Schedule of Purchase Commitments and Future Minimum Lease Payments (Details) $ in Thousands	Jan. 31, 2026 USD ($)
Purchase commitments
Fiscal 2027	$ 86,486
Fiscal 2028	78,161
Fiscal 2029	1,138
Fiscal 2030	0
Fiscal 2031	0
Thereafter	0
Total	165,785
Financing obligations - leased facility
Fiscal 2027	4,257
Fiscal 2028	4,363
Fiscal 2029	4,136
Fiscal 2030	0
Fiscal 2031	0
Thereafter	0
Total	12,756
Residual financing obligations and assets	48,053
Less: amount representing interest	(9,591)
Financing obligations	$ 51,218

Cover - USD ($) $ in Billions	12 Months Ended
Cover - USD ($) $ in Billions	Jan. 31, 2026	Mar. 26, 2026	Jul. 31, 2025
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Jan. 31, 2026
Current Fiscal Year End Date	--01-31
Document Transition Report	false
Entity File Number	001-41211
Entity Registrant Name	nCino, Inc.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	87-4154342
Entity Address, Address Line One	6770 Parker Farm Drive
Entity Address, City or Town	Wilmington
Entity Address, State or Province	NC
Entity Address, Postal Zip Code	28405
City Area Code	888
Local Phone Number	676-2466
Title of 12(b) Security	Common stock, par value $0.0005 per share
Trading Symbol	NCNO
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 2.1
Entity Common Stock, Shares Outstanding		114,534,701
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant’s Definitive Proxy Statement for the 2026 Annual Meeting of Stockholders (the “Proxy Statement”) are incorporated herein by reference in Part II and Part III of this Annual Report on Form 10-K to the extent stated herein. Such Definitive Proxy Statement will be filed with the Securities and Exchange Commission within 120 days of the registrant’s fiscal year ended January 31, 2026.
Entity Central Index Key	0001902733
Document Fiscal Year Focus	2026
Amendment Flag	false
Document Fiscal Period Focus	FY

Restructuring - Schedule of Restructuring Plan Liabilities (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Restructuring and Related Activities [Abstract]
Included in accrued expenses and other current liabilities	$ 553
Included in other long-term liabilities	308
Total	$ 861	$ 0

Variable Interest Entity and Redeemable Non-Controlling Interest - Schedule of Activity in Redeemable Noncontrolling Interest (Details) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Oct. 31, 2023	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Increase (Decrease) in Temporary Equity [Roll Forward]
Beginning balance		$ 8,286	$ 3,428	$ 3,589
Investment from redeemable non-controlling interest	$ 1,000	0	0	983
Net income (loss) attributable to redeemable non-controlling interest (excluding adjustment to non-controlling interest)		141	(472)	(1,109)
Foreign currency translation		2	7	13
Adjustment to redeemable non-controlling interest		4,382	5,301	(71)
Stock-based compensation expense		(74)	22	23
Ending balance		$ 12,737	$ 8,286	$ 3,428

Leases

12 Months Ended

Jan. 31, 2026

Leases [Abstract]

Leases

Operating Leases

The Company leases its facilities and a portion of its equipment under various non-cancelable agreements, which expire at various times through December 2034, some of which include options to extend for up to one year. See Note 16 “Restructuring” regarding lease terminations in connection with the 2023 and 2026 Restructuring Plans.

The components of lease expense were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Operating lease expense	$	4,940	$	5,575	$	5,026
Variable lease expense	1,979		2,581		2,650
Short-term lease expense	451		272		218
Sublease income	—		(382)		(174)
Total lease expense	$	7,370	$	8,046	$	7,720

Supplemental cash flow information related to operating leases was as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cash paid for amounts included in the measurement of operating lease liabilities	$	4,489	$	4,400	$	5,137
Operating right-of-use assets obtained in exchange for operating lease liabilities	13,152		3,349		1,724

Operating right-of-use assets and operating lease liabilities reductions related to operating lease terminations or modifications	115		1,995		2,102

The weighted-average remaining lease term and weighted-average discount rate for the Company’s operating lease liabilities as of January 31, 2026 were 6.99 years and 6.8%, respectively.

Future minimum lease payments as of January 31, 2026 were as follows:


	Operating Leases
Fiscal 2027	$	4,593
Fiscal 2028	2,516
Fiscal 2029	1,845
Fiscal 2030	1,346
Fiscal 2031	446
Thereafter	6,857
Total lease liabilities	17,603
Less: imputed interest	(3,626)
Total lease obligations	13,977
Less: current obligations	(4,229)
Long-term lease obligations	$	9,748

Income Taxes - Schedule of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Unrecognized Tax Benefits [Roll Forward]
Balance, beginning of period	$ 6,692	$ 0	$ 0
Additions for current year tax positions	951	1,094	0
Additions for prior year tax positions	815	4,357	0
Additions for current year acquisitions	10	1,241	0
Balance, end of period	$ 8,468	$ 6,692	$ 0

Fair Value Measurements - Schedule of Change in Fair Value of Contingent Consideration (Details) $ in Thousands	12 Months Ended
	Jan. 31, 2026 USD ($)
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, January 31, 2025	$ 0
Contingent consideration in connection with business acquisition	$ 8,100
Fair Value, Liability, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Other income (expense), net
Changes in fair value	$ 1,600
Balance, January 31, 2026	$ 9,700

Basic and Diluted Net Income (Loss) per Share

12 Months Ended

Jan. 31, 2026

Earnings Per Share [Abstract]

Basic and Diluted Net Income (Loss) per Share

Basic net income (loss) per share is computed by dividing net income (loss) attributable to nCino, Inc. by the weighted-average number of common shares outstanding for the fiscal period, net of treasury stock. Diluted net income (loss) per share is computed by giving effect to all potential weighted-average dilutive common stock, including stock options issued and outstanding, nonvested RSUs issued and outstanding, and shares issuable pursuant to the ESPP. The dilutive effect of outstanding awards is reflected in diluted earnings per share by application of the treasury stock method. There is no difference between the basic and diluted net income (loss) per share when there is a net loss because inclusion of potentially issuable shares would be anti-dilutive.

The components of basic and diluted net income (loss) per share for periods presented are as follows (in thousands, except share and per share data):


	Fiscal Year Ended January 31,
	2024		2025		2026
Basic net income (loss) per share:
Numerator
Net income (loss) attributable to nCino, Inc.	$	(42,346)	$	(37,878)	$	5,180
Denominator
Weighted-average common shares outstanding, basic	112,672,397		115,162,175		112,883,703
Basic net income (loss) per share attributable to nCino, Inc.	$	(0.38)	$	(0.33)	$	0.05


	Fiscal Year Ended January 31,
	2024		2025		2026
Diluted net income (loss) per share:
Numerator
Net income (loss) attributable to nCino, Inc.	$	(42,346)	$	(37,878)	$	5,180
Denominator
Weighted-average common shares outstanding, basic	112,672,397		115,162,175		112,883,703
Effect of diluted stock options, nonvested RSUs, and shares of common stock issuable under the ESPP	—		—		1,462,864
Weighted-average common shares outstanding, diluted	112,672,397		115,162,175		114,346,567
Diluted net income (loss) per share attributable to nCino, Inc.	$	(0.38)	$	(0.33)	$	0.05

The following potential outstanding common stock were excluded from the diluted net income (loss) per share computation because the effect would have been anti-dilutive:


	Fiscal Year Ended January 31,
	2024	2025	2026
Stock options issued and outstanding	1,212,704	811,602	480,641
Nonvested RSUs issued and outstanding	5,626,125	6,105,459	6,425,128
Shares issuable pursuant to the ESPP	105,227	106,440	—

Basic and Diluted Net Income (Loss) per Share (Tables)

12 Months Ended

Jan. 31, 2026

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

The components of basic and diluted net income (loss) per share for periods presented are as follows (in thousands, except share and per share data):


	Fiscal Year Ended January 31,
	2024		2025		2026
Basic net income (loss) per share:
Numerator
Net income (loss) attributable to nCino, Inc.	$	(42,346)	$	(37,878)	$	5,180
Denominator
Weighted-average common shares outstanding, basic	112,672,397		115,162,175		112,883,703
Basic net income (loss) per share attributable to nCino, Inc.	$	(0.38)	$	(0.33)	$	0.05


	Fiscal Year Ended January 31,
	2024		2025		2026
Diluted net income (loss) per share:
Numerator
Net income (loss) attributable to nCino, Inc.	$	(42,346)	$	(37,878)	$	5,180
Denominator
Weighted-average common shares outstanding, basic	112,672,397		115,162,175		112,883,703
Effect of diluted stock options, nonvested RSUs, and shares of common stock issuable under the ESPP	—		—		1,462,864
Weighted-average common shares outstanding, diluted	112,672,397		115,162,175		114,346,567
Diluted net income (loss) per share attributable to nCino, Inc.	$	(0.38)	$	(0.33)	$	0.05

Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share

The following potential outstanding common stock were excluded from the diluted net income (loss) per share computation because the effect would have been anti-dilutive:


	Fiscal Year Ended January 31,
	2024	2025	2026
Stock options issued and outstanding	1,212,704	811,602	480,641
Nonvested RSUs issued and outstanding	5,626,125	6,105,459	6,425,128
Shares issuable pursuant to the ESPP	105,227	106,440	—

Summary of Business and Significant Accounting Policies - Narrative (Details)	12 Months Ended
	Jan. 31, 2026 USD ($) segment reporting_unit	Jan. 31, 2025 USD ($)	Jan. 31, 2024 USD ($)
Concentration Risk [Line Items]
Number of operating segments \| segment	1
Number of reporting units \| reporting_unit	1
Goodwill, impairment loss	$ 0	$ 0	$ 0
Advertising expense	12,300,000	8,700,000	7,700,000
Foreign currency transaction gain (loss), before tax	$ 17,300,000	$ (10,500,000)	$ (1,200,000)
Minimum
Concentration Risk [Line Items]
Capitalized contract cost, amortization period	4 years
Contract with customer, timing of payment	30 days
Maximum
Concentration Risk [Line Items]
Capitalized contract cost, amortization period	5 years
Contract with customer, timing of payment	45 days

Commitment and Contingencies - Narrative (Details)	Jan. 31, 2026
Commitments and Contingencies Disclosure [Abstract]
Finance lease, weighted average discount rate, percent	6.80%

Revolving Credit Facility	12 Months Ended
Revolving Credit Facility	Jan. 31, 2026
Debt Disclosure [Abstract]
Revolving Credit Facility	Revolving Credit Facility 2022 Credit Agreement On February 11, 2022, the Company entered into a Credit Agreement (the “2022 Credit Agreement”), by and among the Company, nCino OpCo (the “Borrower”), certain subsidiaries of the Company as guarantors, and Bank of America, N.A. as lender (the “Lender”), pursuant to which the Lender provided to the Borrower a senior secured revolving credit facility of up to $50.0 million (the “2022 Credit Facility”) which was increased to $100.0 million on March 17, 2024. Borrowings under the 2022 Credit Facility accrued interest, at the Borrower’s option, at: (i) a base rate equal to the greatest of (a) the Lender’s “prime rate,” (b) the federal funds rate plus 0.50%, and (c) the Term SOFR rate plus 1.00% (provided that the base rate shall not be less than 0.00%), plus a margin of 1.3125%; or (ii) the Term SOFR rate (provided that the Term SOFR shall not be less than 0.00%), plus a margin of 2.3125%, in each case with such margin subject to a step-down based on achievement of a certain leverage ratio. The Company was also required to pay an unused commitment fee to the Lender of 0.30% of the average daily unutilized commitments (with a step-down based on achievement of a certain leverage ratio). The Company was also required to pay customary letter of credit fees. On October 28, 2024, the Company terminated the 2022 Credit Agreement and entered into a new Credit Agreement (the “2024 Credit Agreement”), by and among the Company, nCino OpCo, Inc. (the “Borrower”), certain subsidiaries of the Company as guarantors, the lenders party thereto (the “Lenders”) and Bank of America, N.A. as administrative agent (the “Agent”). 2024 Credit Agreement The 2024 Credit Agreement includes a senior secured revolving credit facility of up to $250.0 million (the “2024 Credit Facility”) with a maturity date of October 28, 2029. The 2024 Credit Facility includes borrowing capacity available for letters of credit subject to a sublimit of $45.0 million. Any issuances of letters of credit will reduce the amount available under the 2024 Credit Facility. Borrowings under the 2024 Credit Facility bear interest, at the Borrower’s option, at: (i) a base rate equal to the greatest of (a) the Agent’s “prime rate,” (b) the federal funds rate plus 0.50%, and (c) the Term SOFR rate plus 1.00% (provided that the base rate shall not be less than 0.00%), plus a margin of 1.00%; or (ii) the Term SOFR rate (provided that the Term SOFR shall not be less than 0.00%), plus a margin of 2.00%, in each case with such margin subject to step-ups based on certain leverage ratios. The Company is also required to pay an unused commitment fee to the Lenders of 0.25% of the average daily unutilized commitments (with step-ups based on certain leverage ratios). The Company must also pay customary letter of credit fees. The Company may repay amounts borrowed at any time without penalty. Borrowings under the 2024 Credit Facility may be reborrowed. The 2024 Credit Agreement contains representations and warranties, affirmative, negative, and financial covenants, and events of default that are customary for loans of this type. The financial covenants require the Company and its subsidiaries on a consolidated basis to maintain (i) a Consolidated Total Leverage Ratio not in excess of 4.00:1.00 as of the end of any fiscal quarter, and (ii) a Consolidated Interest Coverage Ratio not less than 3.00:1.00 as of the end of any fiscal quarter, in each case, commencing with the fiscal quarter ended January 31, 2025. The 2024 Credit Facility is guaranteed by the Company and each of its current and future material domestic subsidiaries (the “Guarantors”) and secured by substantially all of the personal property, subject to customary exceptions, of the Borrower and the Guarantors, in each case, now owned or later acquired, including a pledge of all of the Borrower’s capital stock, the capital stock of all of the Company’s domestic subsidiaries, and 65% of the capital stock of foreign subsidiaries that are directly owned by the Borrower or a Guarantor. Debt Issuance Costs As of January 31, 2025 and 2026, unamortized debt issuance costs were $1.4 million and $1.1 million, respectively, and are included in long-term prepaid expenses and other assets. Credit Outstanding and Available Borrowing Capacity The Company had $166.0 million and $213.5 million outstanding as of January 31, 2025 and 2026, respectively. The Company had no letters of credit issued under the 2024 Credit Facility and was in compliance with all covenants as of January 31, 2025 and 2026. As of January 31, 2026, the applicable interest rate was 5.68%. The available borrowing capacity under the 2024 Credit Facility was $36.5 million as of January 31, 2026.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (a)
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-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
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-URI https://asc.fasb.org/470/tableOfContent

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 1E
-Subparagraph (b)
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+ Details

Summary of Business and Significant Accounting Policies (Tables)

12 Months Ended

Jan. 31, 2026

Accounting Policies [Abstract]

Schedule of Activity in Allowance for Doubtful Accounts

A summary of activity in the allowance for doubtful accounts and reserve for expected credit losses is as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Balance, beginning of period	$	899	$	1,451	$	1,229
Charged to bad debt expense	1,081		85		1,716
Charged to deferred revenue	747		—		19
Write-offs and other	(1,275)		(304)		(155)
Translation adjustments	(1)		(3)		16
Balance, end of period	$	1,451	$	1,229	$	2,825

Schedule of Property, Plant and Equipment Estimated Useful Lives

The estimated useful lives by asset classification are generally as follows:


Asset Classification						Estimated Useful Life
Furniture and fixtures						3-7 years
Computers and equipment						3 years
Buildings						40 years
Leasehold improvements						Shorter of remaining life of the lease term or estimated useful life

Property and equipment, net consisted of the following:


	As of January 31,
	2025		2026
Furniture and fixtures	$	11,712	$	11,862
Computers and equipment	7,193		6,646
Buildings and land	56,379		56,379
Leasehold improvements	28,046		30,536
Construction in progress	627		—
Total property and equipment, gross	103,957		105,423
Less accumulated depreciation	(29,004)		(29,816)
Total property and equipment, net	$	74,953	$	75,607

The Company recognized depreciation expense as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cost of subscription revenues	$	567	$	480	$	434
Cost of professional services and other revenues	1,775		1,313		1,363
Sales and marketing	1,734		1,291		1,264
Research and development	2,819		2,399		2,052
General and administrative	1,143		769		683
Total depreciation expense	$	8,038	$	6,252	$	5,796

Basic and Diluted Net Income (Loss) per Share - Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share (Details) - shares	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share amount (in shares)	480,641	811,602	1,212,704
Restricted Stock Units (RSUs)
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share amount (in shares)	6,425,128	6,105,459	5,626,125
Employee Stock
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share amount (in shares)	0	106,440	105,227

Revenues

12 Months Ended

Jan. 31, 2026

Revenue from Contract with Customer [Abstract]

Revenues

Disaggregation of Revenue

Disaggregated revenues by source and geographic region were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
United States
Subscriptions - non-mortgage	$	273,044	$	303,546	$	334,037
Subscriptions - mortgage	68,040		73,782		79,598
Professional services and other	46,117		47,104		49,626
Total United States	387,201		424,432		463,261
International
Subscriptions	68,395		91,840		109,499
Professional services and other	20,947		24,385		22,021
Total International	89,342		116,225		131,520
Total Revenue	$	476,543	$	540,657	$	594,781

Revenues by geography are determined based on the region of the Company’s contracting entity, which may be different from the region of the customer.

Contract Amounts

Accounts Receivable

Accounts receivable, less allowance for doubtful accounts, is as follows as of January 31, 2025 and 2026:


	As of January 31,
	2025		2026
Trade accounts receivable	$	122,394	$	139,729
Unbilled accounts receivable	23,662		28,131
Allowance for doubtful accounts	(1,229)		(2,825)
Other accounts receivable	1,960		1,505
Total accounts receivable, net	$	146,787	$	166,540

Deferred Revenue and Remaining Performance Obligations

Significant movements in the deferred revenue balance during the period consisted of increases due to payments received or due in advance prior to the transfer of control of the underlying performance obligations to the customer and $5.0 million from acquisitions, which were offset by decreases due to revenues recognized in the period. During the fiscal year

ended January 31, 2026, $191.1 million of revenues were recognized out of the deferred revenue balance as of January 31, 2025.

Transaction price allocated to the remaining performance obligations represents contracted revenues that have not yet been recognized, which include both deferred revenue and amounts that will be invoiced and recognized as revenues in future periods. Transaction price allocated to the remaining performance obligations is influenced by several factors, including the timing of renewals, average contract terms, and foreign currency exchange rates. The Company applies practical expedients to exclude amounts related to performance obligations that are billed and recognized as they are delivered, optional purchases that do not represent material rights, and any estimated amounts of variable consideration that are subject to constraint.

Remaining performance obligations were $1.3 billion as of January 31, 2026. The Company expects to recognize approximately 66% of its remaining performance obligations as revenues in the next 24 months, approximately 28% in the following 25 to 48 months, and the remainder thereafter.

Costs Capitalized to Obtain Revenue Contracts

During the fiscal years ended January 31, 2024, 2025, and 2026, the Company amortized $9.9 million, $12.0 million, and $15.1 million of capitalized contract acquisition costs within sales and marketing expense, respectively. The Company did not incur any impairment losses during these periods.

Capitalized contract acquisition costs were $37.2 million and $47.9 million as of January 31, 2025 and 2026, of which $23.7 million and $30.7 million were long-term in the consolidated balance sheets, respectively. The remaining balance of the capitalized costs to obtain contracts was current.

- Definition

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

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+ Details

Goodwill and Intangible Assets - Schedule of Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Finite-Lived Intangible Assets [Line Items]
Total amortization expense	$ 36,459	$ 30,093	$ 37,226
Cost of subscription revenues
Finite-Lived Intangible Assets [Line Items]
Total amortization expense	20,412	17,784	16,306
Cost of professional services and other revenues
Finite-Lived Intangible Assets [Line Items]
Total amortization expense	165	330	330
Sales and marketing
Finite-Lived Intangible Assets [Line Items]
Total amortization expense	$ 15,882	$ 11,979	$ 20,590

- Definition

The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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+ Details

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Income Taxes - Schedule of Cash Taxes Paid (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Income Tax Paid, by Individual Jurisdiction [Line Items]
Federal	$ 123
State	591
Total	4,367	$ 3,600	$ 3,200
New Zealand
Income Tax Paid, by Individual Jurisdiction [Line Items]
Foreign	1,542
Canada
Income Tax Paid, by Individual Jurisdiction [Line Items]
Foreign	1,023
United Kingdom
Income Tax Paid, by Individual Jurisdiction [Line Items]
Foreign	562
Germany
Income Tax Paid, by Individual Jurisdiction [Line Items]
Foreign	424
Other foreign jurisdictions
Income Tax Paid, by Individual Jurisdiction [Line Items]
Foreign	$ 102

Leases - Schedule of Components of Lease Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Leases [Abstract]
Operating lease expense	$ 5,026	$ 5,575	$ 4,940
Variable lease expense	2,650	2,581	1,979
Short-term lease expense	218	272	451
Sublease income	(174)	(382)	0
Total lease expense	$ 7,720	$ 8,046	$ 7,370

Revenues - Schedule of Revenue by Geographic Region (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Disaggregation of Revenue [Line Items]
Total revenues	$ 594,781	$ 540,657	$ 476,543
Subscriptions
Disaggregation of Revenue [Line Items]
Total revenues	523,134	469,168	409,479
Professional services and other
Disaggregation of Revenue [Line Items]
Total revenues	71,647	71,489	67,064
United States
Disaggregation of Revenue [Line Items]
Total revenues	463,261	424,432	387,201
United States \| Subscriptions - non-mortgage
Disaggregation of Revenue [Line Items]
Total revenues	334,037	303,546	273,044
United States \| Subscriptions - mortgage
Disaggregation of Revenue [Line Items]
Total revenues	79,598	73,782	68,040
United States \| Professional services and other
Disaggregation of Revenue [Line Items]
Total revenues	49,626	47,104	46,117
International
Disaggregation of Revenue [Line Items]
Total revenues	131,520	116,225	89,342
International \| Subscriptions
Disaggregation of Revenue [Line Items]
Total revenues	109,499	91,840	68,395
International \| Professional services and other
Disaggregation of Revenue [Line Items]
Total revenues	$ 22,021	$ 24,385	$ 20,947

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Stockholders’ Equity and Stock-Based Compensation - Narrative (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Jan. 31, 2026 USD ($) plan $ / shares shares	Jan. 31, 2025 USD ($) $ / shares shares	Jan. 31, 2024 USD ($) $ / shares	Dec. 31, 2025 USD ($)	Mar. 31, 2025 USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Preferred stock, shares authorized (in shares) \| shares	10,000,000	10,000,000
Preferred stock, par value (in USD per share) \| $ / shares	$ 0.001	$ 0.001
Common stock, shares authorized (in shares) \| shares	500,000,000	500,000,000
Common stock, par value (in USD per share) \| $ / shares	$ 0.0005	$ 0.0005
Amount of stock repurchase plan authorized				$ 100,000	$ 100,000
Amount of remain available for future repurchases	$ 75,000
Number of equity incentive plans \| plan	2
Exercised	$ 6,258	$ 10,900	$ 19,000
Issued and outstanding stock options \| shares	480,641	811,602
Additional stock-based compensation expense	$ 73,884	$ 71,592	$ 58,035
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Issued and outstanding stock options \| shares	480,641
Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Granted (in USD per share) \| $ / shares	$ 24.81	$ 33.65	$ 25.65
Equity Instruments other than options, aggregate intrinsic value, vested	$ 78,600	$ 60,800	$ 48,200
Unrecognized compensation costs	$ 130,100
Unrecognized compensation costs period for recognition	2 years 8 months 15 days
Incremental stock-based compensation expense	$ 4,600
Additional stock-based compensation expense	400
Employee Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation costs	$ 600
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase price of common stock, percent	100.00%
2014 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares) \| shares	15,025,666
2014 Equity Incentive Plan \| Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Expiration period	10 years
2019 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Expiration period	10 years
2019 Equity Incentive Plan \| Share-based Payment Arrangement
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of additional shares authorized (in shares) \| shares	15,250,000
Percent increase in aggregate shares	5.00%
Employee Stock Purchase Plan \| Employee Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares) \| shares	1,800,000
Purchase price of common stock, percent	85.00%
Percent increase in aggregate shares	1.00%
Number of shares available for grant \| shares	6,459,790

Revenues - Narrative (Details) - USD ($)	12 Months Ended
Revenues - Narrative (Details) - USD ($)	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Disaggregation of Revenue [Line Items]
Contract with customer, liability, increase from acquisitions	$ 5,000,000.0
Contract with customer, liability, revenue recognized	191,100,000
Remaining performance obligation amount	1,300,000,000
Amortization of costs capitalized to obtain revenue contracts	15,051,000	$ 12,003,000	$ 9,934,000
Capitalized contract cost, impairment loss	0
Capitalized contract cost, net	47,900,000	37,200,000
Costs capitalized to obtain revenue contracts, noncurrent, net	30,735,000	23,735,000
Sales and marketing
Disaggregation of Revenue [Line Items]
Amortization of costs capitalized to obtain revenue contracts	$ 15,100,000	$ 12,000,000.0	$ 9,900,000
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2026-02-01
Disaggregation of Revenue [Line Items]
Remaining performance obligation percentage	66.00%
Remaining performance obligation, expected timing of satisfaction	24 months
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2028-02-01
Disaggregation of Revenue [Line Items]
Remaining performance obligation percentage	28.00%
Minimum \| Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2028-02-01
Disaggregation of Revenue [Line Items]
Remaining performance obligation, expected timing of satisfaction	25 months
Maximum \| Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2028-02-01
Disaggregation of Revenue [Line Items]
Remaining performance obligation, expected timing of satisfaction	48 months

Balance Sheet Components - Schedule of Prepaid Expenses and Other Current Assets (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Property, Plant and Equipment [Abstract]
Prepaid expenses	$ 19,246	$ 19,729
Other current assets	2,132	1,343
Prepaid expenses and other current assets	$ 21,378	$ 21,072

Audit Information	12 Months Ended
Audit Information	Jan. 31, 2026
Audit Information [Abstract]
Auditor Name	Ernst & Young LLP
Auditor Location	Raleigh, North Carolina
Auditor Firm ID	42

Balance Sheet Components - Schedule of Accrued Expenses and Other Current Liabilities (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Property, Plant and Equipment [Abstract]
Accrued compensation and benefits	$ 24,797	$ 23,626
Accrued expenses	15,567	16,239
Purchase consideration deferred payment	14,308	0
Contingent consideration liability	9,700	0
Accrued expenses and other current liabilities	$ 64,372	$ 39,865

Stockholders’ Equity and Stock-Based Compensation - Schedule of Share Repurchase Activity Under Share Repurchase Program (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025
Equity [Abstract]
Total number of shares repurchased (in shares)	4,964,054	0
Average price per share (in USD per share)	$ 25.18	$ 0
Aggregate purchase price	$ 124,998	$ 0

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Cash and cash equivalents	$ 88,374	$ 120,928
Allowance for doubtful accounts	2,825	1,229
Investments (related party $2,500 and $0 at January 31, 2025 and 2026, respectively)	$ 7,262	$ 9,294
Preferred stock, par value (in USD per share)	$ 0.001	$ 0.001
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in USD per share)	$ 0.0005	$ 0.0005
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares, issued (in shares)	118,868,921	115,996,852
Common stock, shares outstanding (in shares)	113,904,867	115,996,852
Treasury stock, at cost (in shares)	4,964,054	0
Related Party
Investments (related party $2,500 and $0 at January 31, 2025 and 2026, respectively)	$ 0	$ 2,500
Variable Interest Entity, Primary Beneficiary
Cash and cash equivalents	$ 3,421	$ 2,254

Goodwill and Intangible Assets

12 Months Ended

Jan. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

Goodwill

The change in the carrying amounts of goodwill was as follows:


Balance, as of January 31, 2024	$	838,869
Acquisitions	186,375
Translation adjustments	(5,869)
Balance, as of January 31, 2025	1,019,375
Acquisitions	53,830
Measurement period adjustments	(10,018)
Translation adjustments	14,760
Balance, as of January 31, 2026	$	1,077,947

Intangible assets

Intangible assets, net are as follows:


	As of January 31, 2025						As of January 31, 2026
	Gross Amount		Accumulated Amortization		Net Carrying Amount		Gross Amount		Accumulated Amortization		Net Carrying Amount		Weighted Average Remaining Useful Life (Years)
Developed technology	$	97,029	$	(49,819)	$	47,210	$	102,443	$	(70,334)	$	32,109	2.4
Customer relationships	139,315		(33,315)		106,000		151,399		(48,095)		103,304		7.3
Trademarks and trade name	1,461		(615)		846		1,999		(1,991)		8		0.1
Other	1,369		(854)		515		1,369		(1,132)		237		2.2
Intangible assets, net	$	239,174	$	(84,603)	$	154,571	$	257,210	$	(121,552)	$	135,658	6.2

The Company recognized amortization expense for intangible assets as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cost of subscription revenues	$	16,306	$	17,784	$	20,412
Cost of professional services and other revenues	330		330		165
Sales and marketing	20,590		11,979		15,882

Total amortization expense	$	37,226	$	30,093	$	36,459

The expected future amortization expense for intangible assets as of January 31, 2026 is as follows:


Fiscal Year Ending January 31,
2027	$	34,207
2028	19,740
2029	19,640
2030	17,304
2031	14,657
Thereafter	30,110
	$	135,658

The expected amortization expense is an estimate; actual amounts of amortization expense may differ from estimated amounts due to additional intangible asset acquisitions, changes in foreign currency exchange rates, impairment of intangible assets, future changes to expected asset lives of intangible assets, and other events.

Subsequent Events (Details) $ in Millions	Mar. 31, 2026 USD ($)	Mar. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)	Mar. 31, 2025 USD ($)
Subsequent Event [Line Items]
Amount of stock repurchase plan authorized			$ 100.0	$ 100.0
Subsequent Event \| FargoBankN.A.
Subsequent Event [Line Items]
Amount of stock repurchase plan authorized	$ 100.0
Stock repurchase program percent	0.80
Subsequent Event \| Senior Secured Incremental Term Loan
Subsequent Event [Line Items]
Debt instrument, face amount		$ 200.0
Debt instrument, periodic payment		$ 2.5

Income Taxes - Schedule of Income (Loss) Before Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Income Tax Disclosure [Abstract]
United States	$ (8,285)	$ (26,326)	$ (61,994)
Foreign	14,992	(9,234)	20,058
Income (loss) before income taxes	$ 6,707	$ (35,560)	$ (41,936)

- Definition

Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.

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+ Details

Income Taxes - Schedule of Net Deferred Tax Asset (Liability) (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Income Tax Disclosure [Abstract]
Long-term prepaid expenses and other assets	$ 12,422	$ 6,201
Deferred income taxes, noncurrent	(7,020)	(13,851)
Net deferred tax assets (liabilities)		$ (7,650)
Net deferred tax asset (liabilities)	$ 5,402

Balance Sheet Components

12 Months Ended

Jan. 31, 2026

Property, Plant and Equipment [Abstract]

Balance Sheet Components

Prepaid expenses and other current assets

Prepaid expenses and other current assets consisted of the following:


	As of January 31,
	2025		2026
Prepaid expenses	$	19,729	$	19,246
Other current assets	1,343		2,132
Prepaid expenses and other current assets	$	21,072	$	21,378

Property and equipment, net

Property and equipment, net consisted of the following:


	As of January 31,
	2025		2026
Furniture and fixtures	$	11,712	$	11,862
Computers and equipment	7,193		6,646
Buildings and land	56,379		56,379
Leasehold improvements	28,046		30,536
Construction in progress	627		—
Total property and equipment, gross	103,957		105,423
Less accumulated depreciation	(29,004)		(29,816)
Total property and equipment, net	$	74,953	$	75,607

The Company recognized depreciation expense as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cost of subscription revenues	$	567	$	480	$	434
Cost of professional services and other revenues	1,775		1,313		1,363
Sales and marketing	1,734		1,291		1,264
Research and development	2,819		2,399		2,052
General and administrative	1,143		769		683
Total depreciation expense	$	8,038	$	6,252	$	5,796

Accrued expenses and other current liabilities

Accrued expenses and other current liabilities consisted of the following:


	As of January 31,
	2025		2026
Accrued compensation and benefits	$	23,626	$	24,797
Accrued expenses	16,239		15,567
Purchase consideration deferred payment	—		14,308
Contingent consideration liability	—		9,700
Accrued expenses and other current liabilities	$	39,865	$	64,372

Basic and Diluted Net Income (Loss) per Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Numerator
Net income (loss) attributable to nCino, Inc.	$ 5,180	$ (37,878)	$ (42,346)
Denominator
Weighted average-common shares outstanding basic (in shares)	112,883,703	115,162,175	112,672,397
Effect of diluted stock options, unvested RSUs, and shares of common stock issuable under the ESPP (in shares)	1,462,864	0	0
Weighted average-common shares outstanding diluted (in shares)	114,346,567	115,162,175	112,672,397
Diluted net loss per share attributable to nCino, Inc. (in USD per share)	$ 0.05	$ (0.33)	$ (0.38)

- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

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+ Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Related-Party Transactions	12 Months Ended
Related-Party Transactions	Jan. 31, 2026
Related Party Transactions [Abstract]
Related-Party Transactions	Related-Party Transactions On November 1, 2022, the Company’s wholly-owned subsidiary, nCino OpCo, acquired preferred shares of ZestFinance, Inc. (d/b/a ZEST AI) (“Zest AI”), a private company, which is included in investments on the Company’s consolidated balance sheets for $2.5 million and $0.0 million as of January 31, 2025 and 2026, respectively. The investment was considered a related party transaction as entities affiliated with Insight Partners, a beneficial owner of the Company as of November 1, 2022, owned greater than ten percent of Zest AI. During the first quarter of fiscal year 2026, we sold all of our shares in Zest AI and recorded a realized gain of $1.2 million. At the time of this transaction, Zest AI was no longer considered a related party.

- Definition

The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.

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+ Details

Business Combinations - Schedule of Business Combination, Intangible Asset, Acquired, Finite-Lived (Details) - USD ($) $ in Thousands	Feb. 07, 2025	Nov. 05, 2024	Apr. 01, 2024	Mar. 20, 2024
DocFox
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value				$ 24,600
DocFox \| Trade name
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value				$ 200
Useful Life				1 year
DocFox \| Customer relationships
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value				$ 16,400
Useful Life				10 years
DocFox \| Developed technology
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value				$ 8,000
Useful Life				5 years
Integrated Lending Technologies, LLC
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value			$ 8,660
Integrated Lending Technologies, LLC \| Trade name
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value			$ 210
Useful Life			1 year
Integrated Lending Technologies, LLC \| Customer relationships
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value			$ 5,870
Useful Life			10 years
Integrated Lending Technologies, LLC \| Developed technology
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value			$ 2,580
Useful Life			5 years
FullCircl
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value		$ 37,000
FullCircl \| Trade name
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value		$ 1,100
Useful Life		1 year
FullCircl \| Customer relationships
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value		$ 26,500
Useful Life		10 years
FullCircl \| Developed technology
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value		$ 9,400
Useful Life		5 years
Sandbox
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value	$ 13,400
Sandbox \| Trade name
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value	$ 400
Useful Life	1 year
Sandbox \| Customer relationships
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value	$ 8,500
Useful Life	10 years
Sandbox \| Developed technology
Intangible Asset, Acquired, Finite-Lived [Line Items]
Fair Value	$ 4,500
Useful Life	5 years

Stockholders’ Equity and Stock-Based Compensation (Tables)

12 Months Ended

Jan. 31, 2026

Equity [Abstract]

Schedule of Stock by Class

At January 31, 2026, the Company committed a total of 42,775,950 shares of common stock for future issuance as follows:


Issued and outstanding stock options			480,641
Nonvested issued and outstanding restricted stock units (“RSUs”)			6,425,128
Possible issuance under stock plans			35,870,181
			42,775,950

Schedule of Share Repurchase Activity Under Share Repurchase Program

The following table summarizes the stock repurchase activity under the Company’s Stock Repurchase Programs (in thousands, except share and per share data):


	Fiscal Year Ended January 31,
	2025		2026
Total number of shares repurchased	—		4,964,054
Average price per share(1)	$	—	$	25.18
Aggregate purchase price(1)	$	—	$	124,998

(1) Excludes transaction costs and excise tax associated with the repurchases, if any.

Schedule of Stock Option Activity

Stock option activity for the fiscal year ended January 31, 2026 was as follows:


	Number of Shares	Weighted Average Exercise Price		Weighted Average Remaining Contractual Term (Years)	Aggregate Intrinsic Value (In thousands)
Outstanding, January 31, 2025	811,602	$	7.22	2.27	$	21,742

Expired or forfeited	(1,627)	14.70
Exercised	(329,334)	5.96			6,258
Outstanding, January 31, 2026	480,641	$	8.06	1.56	$	6,393
Exercisable, January 31, 2026	480,641	$	8.06	1.56	$	6,393
Fully vested or expected to vest, January 31, 2026	480,641	$	8.06	1.56	$	6,393

Schedule of Nonvested Restricted Stock Units Activity

RSU activity during the fiscal year ended January 31, 2026 was as follows:


	Number of Shares	Weighted Average Grant Date Fair Value
Nonvested, January 31, 2025	6,105,459	$	32.78
Granted	3,824,531	24.81
Vested	(2,358,533)	33.32
Forfeited	(1,146,329)	30.65
Nonvested, January 31, 2026	6,425,128	$	28.01

Schedule of Share-Based Payment Award, Employee Stock Purchase Plan, Valuation Assumptions

The assumptions utilized for the ESPP shares for the fiscal years ended January 31, 2024, 2025, and 2026 were as follows:


	Fiscal Year Ended January 31,
	2024	2025	2026
Expected life (in years)	0.50	0.50	0.50
Expected volatility	38.70% - 61.86%	38.70% - 40.74%	39.41% - 46.91%
Expected dividends	0.00%	0.00%	0.00%
Risk-free interest rate	4.77% - 5.53%	4.25% - 5.37%	3.58% - 4.29%

Schedule of Share-Based Compensation Expense

Total stock-based compensation expense included in our consolidated statements of operations were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
Cost of subscription revenues	$	1,847	$	2,891	$	3,123
Cost of professional services and other revenues	9,369		11,977		12,373
Sales and marketing	15,417		17,016		14,307
Research and development	15,942		17,416		15,835
General and administrative	15,460		22,292		28,246
Total stock-based compensation expense	$	58,035	$	71,592	$	73,884

- Definition

Tabular disclosure of an entity's stock, including par or stated value per share, number and dollar amount of share subscriptions, shares authorized, shares issued, shares outstanding, number and dollar amount of shares held in an employee trust, dividend per share, total dividends, share conversion features, par value plus additional paid in capital, the value of treasury stock and other information necessary to a fair presentation, and EPS information. Stock by class includes common, convertible, and preferred stocks which are not redeemable or redeemable solely at the option of the issuer. Includes preferred stock with redemption features that are solely within the control of the issuer and mandatorily redeemable stock if redemption is required to occur only upon liquidation or termination of the reporting entity. If more than one issue is outstanding, state the title of each issue and the corresponding dollar amount; dollar amount of any shares subscribed but unissued and the deduction of subscriptions receivable there from; number of shares authorized, issued, and outstanding.

+ References

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+ Details

Revenues (Tables)

12 Months Ended

Jan. 31, 2026

Revenue from Contract with Customer [Abstract]

Schedule of Revenue by Geographic Region

Disaggregated revenues by source and geographic region were as follows:


	Fiscal Year Ended January 31,
	2024		2025		2026
United States
Subscriptions - non-mortgage	$	273,044	$	303,546	$	334,037
Subscriptions - mortgage	68,040		73,782		79,598
Professional services and other	46,117		47,104		49,626
Total United States	387,201		424,432		463,261
International
Subscriptions	68,395		91,840		109,499
Professional services and other	20,947		24,385		22,021
Total International	89,342		116,225		131,520
Total Revenue	$	476,543	$	540,657	$	594,781

Schedule of Accounts Receivable and Less Allowance for Doubtful Accounts

Accounts receivable, less allowance for doubtful accounts, is as follows as of January 31, 2025 and 2026:


	As of January 31,
	2025		2026
Trade accounts receivable	$	122,394	$	139,729
Unbilled accounts receivable	23,662		28,131
Allowance for doubtful accounts	(1,229)		(2,825)
Other accounts receivable	1,960		1,505
Total accounts receivable, net	$	146,787	$	166,540

Income Taxes - Schedule of Provision (Benefit) for Income Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Current:
Federal	$ 186	$ 498	$ 0
State	637	487	489
Foreign	2,368	3,622	3,441
Total current	3,191	4,607	3,930
Deferred:
Federal	(959)	(2,870)	819
State	494	(1,200)	629
Foreign	(5,722)	(3,048)	(3,788)
Total deferred	(6,187)	(7,118)	(2,340)
Total income tax provision (benefit)	$ (2,996)	$ (2,511)	$ 1,590

Business Combinations - Schedule of Business Combination, Recognized Asset Acquired and Liability Assumed (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Feb. 07, 2025	Jan. 31, 2025	Nov. 05, 2024	Apr. 01, 2024	Mar. 20, 2024	Jan. 31, 2024
Business Combination [Line Items]
Goodwill	$ 1,077,947		$ 1,019,375				$ 838,869
DocFox
Business Combination [Line Items]
Cash and cash equivalents						$ 1,400
Accounts receivable						1,898
Operating lease right-of-use assets, net						405
Other current and noncurrent assets						444
Intangible assets						24,600
Goodwill						56,302
Accounts payable, accrued expenses, and other liabilities, current and noncurrent						(3,495)
Deferred revenue, current and noncurrent						(3,505)
Operating lease liabilities, current and noncurrent						(405)
Deferred income taxes						(5,279)
Net assets acquired						$ 72,365
Integrated Lending Technologies, LLC
Business Combination [Line Items]
Cash and cash equivalents					$ 164
Accounts receivable					343
Intangible assets					8,660
Goodwill					11,111
Accounts payable, accrued expenses, and other liabilities, current and noncurrent					(240)
Net assets acquired					$ 20,038
FullCircl
Business Combination [Line Items]
Cash and cash equivalents				$ 3,182
Accounts receivable				1,814
Property and equipment, net				66
Operating lease right-of-use assets, net				198
Other current and noncurrent assets				211
Intangible assets				37,000
Goodwill				108,944
Accounts payable, accrued expenses, and other liabilities, current and noncurrent				(3,776)
Deferred revenue, current and noncurrent				(4,773)
Operating lease liabilities, current and noncurrent				(198)
Deferred income taxes				(259)
Net assets acquired				$ 142,409
Sandbox
Business Combination [Line Items]
Cash and cash equivalents		$ 3,330
Accounts receivable		1,020
Other current and noncurrent assets		106
Intangible assets		13,400
Goodwill		53,830
Accounts payable, accrued expenses, and other liabilities, current and noncurrent		(774)
Deferred revenue, current and noncurrent		(4,950)
Deferred income taxes		(3,020)
Net assets acquired		$ 62,942

Income Taxes - Schedule of Net Operating Loss and Tax Credit Carryforwards (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Tax Credit Carryforward [Line Items]
Tax credit carryforwards	$ 21,689	$ 17,104
Domestic Tax Jurisdiction
Tax Credit Carryforward [Line Items]
Operating loss carryforwards, not subject to expiration	394,556
Tax credit carryforwards	17,650
State and Local Jurisdiction
Tax Credit Carryforward [Line Items]
Operating loss carryforwards, not subject to expiration	100,836
Operating loss carryforwards	249,245
Tax credit carryforwards	6,815
Foreign Tax Jurisdiction
Tax Credit Carryforward [Line Items]
Operating loss carryforwards, not subject to expiration	115,776
Operating loss carryforwards	$ 8,827

Fair Value Measurements

12 Months Ended

Jan. 31, 2026

Fair Value Disclosures [Abstract]

Fair Value Measurements

Financial Assets and Liabilities Measured at Fair Value on a Recurring Basis

The Company uses a three-tier fair value hierarchy, which prioritizes the inputs used in the valuation methodologies in measuring fair value:

Level 1. Quoted prices (unadjusted) in active markets for identical assets or liabilities.

Level 2. Significant other inputs that are directly or indirectly observable in the marketplace.

Level 3. Significant unobservable inputs that are supported by little or no market activity.

The carrying amounts of cash equivalents, accounts receivable, accounts payable, and accrued expenses approximate fair value as of January 31, 2025 and 2026 because of the relatively short duration of these instruments.

The carrying amount of any outstanding borrowings on the Company’s revolving credit facility approximates fair value due to the variable interest rates of the borrowings.

The Company evaluates its financial assets and liabilities subject to fair value measurements on a recurring basis to determine the appropriate level in which to classify them for each reporting period. The following table summarizes the

Company’s financial assets measured at fair value as of January 31, 2025 and 2026 and indicates the fair value hierarchy of the valuation:


	Fair value measurements on a recurring basis as of January 31, 2025
	Level 1		Level 2		Level 3
Assets:
Money market accounts (included in cash and cash equivalents)	$	38,841	$	—	$	—
Time deposits (included in long-term prepaid expenses and other assets)	339		—		—
Total assets	$	39,180	$	—	$	—


	Fair value measurements on a recurring basis as of January 31, 2026
	Level 1		Level 2		Level 3
Assets:
Money market accounts (included in cash and cash equivalents)	$	10,588	$	—	$	—
Time deposits (included in prepaid expenses and other current assets)	142		—		—
Time deposits (included in long-term prepaid expenses and other assets)	169		—		—
Total assets	$	10,899	$	—	$	—
Liabilities:
Contingent consideration (included in accrued expenses and other current liabilities)	$	—	$	—	$	9,700
Total liabilities	$	—	$	—	$	9,700

All of the Company’s money market accounts are classified within Level 1 because the Company’s money market accounts are valued using quoted market prices in active exchange markets for identical assets.

The following table summarizes the change in fair value of the contingent consideration with significant unobservable inputs:


Balance, January 31, 2025	$	—
Contingent consideration in connection with business acquisition	8,100
Changes in fair value	1,600
Balance, January 31, 2026	$	9,700

The contingent consideration consists of the potential earn-out payment related to the Company’s acquisition of Alphapack, Co. dba Sandbox Banking (“Sandbox Banking”) on February 7, 2025, and has a maximum potential payment of $10.0 million. The fair value of the contingent consideration was determined using a probability weighted discounted cash flow model. Changes in the fair value of the contingent consideration can result from changes in assumed discount periods and rates, and from changes pertaining to the estimated or actual achievement of the defined milestones. This contingent liability was classified as Level 3 within the fair value hierarchy. Changes in fair values of contingent consideration are recognized in general and administrative expenses on the Company’s consolidated statements of operations.

The unobservable inputs used in the valuation as of January 31, 2026 included an expected payment in the first half of fiscal 2027, a weighted average expected achievement percentage of 100.0%, and a discount rate of 6.7%.

There were no transfers between levels of the fair value hierarchy during the fiscal years ended January 31, 2025 and 2026.

Financial Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis

The Company’s assets measured at fair value on a non-recurring basis include the investments accounted for under the measurement alternative. Unrealized gains as a result of an observable price change were $0.2 million, $0.0 million, and $0.5 million for the fiscal years ended January 31, 2024, 2025, and 2026, respectively. Cumulative unrealized gains were $0.7 million for investments accounted for under the measurement alternative as of January 31, 2026. There was no impairment recognized for the fiscal years ended January 31, 2024, 2025, and 2026. Realized gains from the sale of an investment reflect the difference between the sales proceeds and the carrying value of the investment at the beginning of the period or the purchase date, if later. Realized gains were $0.0 million, $0.0 million, and $1.2 million for the fiscal years ended January 31, 2024, 2025, and 2026, respectively. See Note 14 “Related-Party Transactions” for additional information on the sale of an investment.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

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-SubTopic 10
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-Paragraph 2
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+ Details

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY - USD ($) $ in Thousands	Total	Common Stock	Treasury Stock	Additional Paid-in Capital	Accumulated Other Comprehensive Income (Loss)	Accumulated Deficit
Balance, beginning of year (in shares) at Jan. 31, 2023		111,424,132
Balance, beginning of the period, treasury stock (in shares) at Jan. 31, 2023			0
Balance, beginning of year at Jan. 31, 2023	$ 1,024,078	$ 56	$ 0	$ 1,333,669	$ 694	$ (310,341)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Exercise of stock options (in shares)		785,794
Exercise of stock options	4,469	$ 1		4,468
Stock issuance upon vesting of restricted stock units (in shares)		1,277,625
Stock issuance under the employee stock purchase plan (in shares)		196,748
Stock issuance under the employee stock purchase plan	4,661			4,661
Stock-based compensation	58,012			58,012
Other comprehensive income (loss)	302				302
Net income attributable to nCino, Inc., including adjustment to redeemable non-controlling interest	(42,346)			71		(42,417)
Balance, end of year (in shares) at Jan. 31, 2024		113,684,299
Balance, ending of the period, treasury stock (in shares) at Jan. 31, 2024			0
Balance, end of year at Jan. 31, 2024	1,049,176	$ 57	$ 0	1,400,881	996	(352,758)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Exercise of stock options (in shares)		399,727
Exercise of stock options	2,796			2,796
Stock issuance upon vesting of restricted stock units (in shares)		1,745,202
Stock issuance upon vesting of restricted stock units	0	$ 1		(1)
Stock issuance under the employee stock purchase plan (in shares)		167,624
Stock issuance under the employee stock purchase plan	4,468			4,468
Stock-based compensation	71,570			71,570
Other comprehensive income (loss)	(820)				(820)
Net income attributable to nCino, Inc., including adjustment to redeemable non-controlling interest	$ (37,878)			(5,301)		(32,577)
Balance, end of year (in shares) at Jan. 31, 2025	115,996,852	115,996,852
Balance, ending of the period, treasury stock (in shares) at Jan. 31, 2025	0		0
Balance, end of year at Jan. 31, 2025	$ 1,089,312	$ 58	$ 0	1,474,413	176	(385,335)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Exercise of stock options (in shares)	329,334	329,334
Exercise of stock options	$ 1,981			1,981
Stock issuance upon vesting of restricted stock units (in shares)		2,358,533
Stock issuance upon vesting of restricted stock units	0	$ 1		(1)
Stock issuance under the employee stock purchase plan (in shares)		184,202
Stock issuance under the employee stock purchase plan	4,218			4,218
Common stock repurchases under stock repurchase programs (in shares)			4,964,054
Common stock repurchases under stock repurchase programs	(125,600)		$ (125,600)
Stock-based compensation	73,958			73,958
Other comprehensive income (loss)	6,866				6,866
Net income attributable to nCino, Inc., including adjustment to redeemable non-controlling interest	$ 5,180			(4,382)		9,562
Balance, end of year (in shares) at Jan. 31, 2026	113,904,867	118,868,921
Balance, ending of the period, treasury stock (in shares) at Jan. 31, 2026	4,964,054		4,964,054
Balance, end of year at Jan. 31, 2026	$ 1,055,915	$ 59	$ (125,600)	$ 1,550,187	$ 7,042	$ (375,773)

Related-Party Transactions (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Apr. 30, 2025	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024	Nov. 01, 2022
Related Party Transaction [Line Items]
Equity securities without readily determinable fair value, amount		$ 0.0	$ 2.5
Realized investment gains		$ 1.2	$ 0.0	$ 0.0
Zest AI
Related Party Transaction [Line Items]
Ownership percentage by parent					10.00%
Realized investment gains	$ 1.2

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 850
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-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483326/850-10-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 9,703	$ (33,049)	$ (43,526)
Other comprehensive income (loss):
Foreign currency translation	6,868	(813)	315
Other comprehensive income (loss)	6,868	(813)	315
Comprehensive income (loss)	16,571	(33,862)	(43,211)
Less comprehensive income (loss) attributable to redeemable non-controlling interest:
Net income (loss) attributable to redeemable non-controlling interest	141	(472)	(1,109)
Foreign currency translation attributable to redeemable non-controlling interest	2	7	13
Comprehensive income (loss) attributable to redeemable non-controlling interest	143	(465)	(1,096)
Comprehensive income (loss) attributable to nCino, Inc.	$ 16,428	$ (33,397)	$ (42,115)

Stockholders’ Equity and Stock-Based Compensation - Schedule of Stock Option Valuation Assumptions (Details) - Employee Stock	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected life (in years)	6 months	6 months	6 months
Expected volatility, minimum	39.41%	38.70%	38.70%
Expected volatility, maximum	46.91%	40.74%	61.86%
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Dividend Rate	0.00%	0.00%	0.00%
Risk-free interest rate, minimum	3.58%	4.25%	4.77%
Risk-free interest rate, maximum	4.29%	5.37%	5.53%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Current assets
Cash and cash equivalents (VIE: $2,254 and $3,421 at January 31, 2025 and 2026, respectively)	$ 88,374	$ 120,928
Accounts receivable, less allowances of $1,229 and $2,825 at January 31, 2025 and 2026, respectively	166,540	146,787
Costs capitalized to obtain revenue contracts, current portion, net	17,211	13,462
Prepaid expenses and other current assets	21,378	21,072
Total current assets	293,503	302,249
Property and equipment, net	75,607	74,953
Operating lease right-of-use assets, net	12,687	16,026
Costs capitalized to obtain revenue contracts, noncurrent, net	30,735	23,735
Goodwill	1,077,947	1,019,375
Intangible assets, net	135,658	154,571
Investments (related party $2,500 and $0 at January 31, 2025 and 2026, respectively)	7,262	9,294
Long-term prepaid expenses and other assets	14,707	10,178
Total assets	1,648,106	1,610,381
Current liabilities
Accounts payable	14,521	13,640
Accrued expenses and other current liabilities	64,372	39,865
Deferred revenue	210,552	191,174
Financing obligations, current portion	818	1,680
Operating lease liabilities, current portion	4,229	5,153
Total current liabilities	294,492	251,512
Operating lease liabilities, noncurrent	9,748	12,819
Deferred income taxes, noncurrent	7,020	13,851
Deferred revenue, noncurrent	170	269
Revolving credit facility, noncurrent	213,500	166,000
Financing obligations, noncurrent	50,400	51,172
Other long-term liabilities	4,124	17,160
Total liabilities	579,454	512,783
Commitments and contingencies (Note 13)
Redeemable non-controlling interest (Note 2)	12,737	8,286
Stockholders’ equity
Preferred stock, $0.001 par value; 10,000,000 shares authorized, and none issued and outstanding as of January 31, 2025 and 2026	0	0
Common stock, $0.0005 par value; 500,000,000 shares authorized as of January 31, 2025 and 2026; 115,996,852 and 118,868,921 shares issued; 115,996,852 and 113,904,867 outstanding as of January 31, 2025 and 2026, respectively	59	58
Treasury stock, at cost; 0 and 4,964,054 shares at January 31, 2025 and January 31, 2026, respectively	(125,600)	0
Additional paid-in capital	1,550,187	1,474,413
Accumulated other comprehensive income	7,042	176
Accumulated deficit	(375,773)	(385,335)
Total stockholders’ equity	1,055,915	1,089,312
Total liabilities, redeemable non-controlling interest, and stockholders’ equity	$ 1,648,106	$ 1,610,381

Insider Trading Policies and Procedures	12 Months Ended
Insider Trading Policies and Procedures	Jan. 31, 2026
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Subsequent Events	12 Months Ended
Subsequent Events	Jan. 31, 2026
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events On March 30, 2026, the Company entered into an Incremental Facility Amendment (the “First Amendment”) to the 2024 Credit Agreement. Pursuant to the First Amendment, the Lenders are providing to nCino OpCo, Inc. (the “Borrower”) a senior secured incremental term loan of $200.0 million (the “Term Loan”), which matures on October 28, 2029. The Term Loan requires scheduled quarterly principal payments of $2.5 million, with the remaining balance due at maturity. The Term Loan may be voluntarily prepaid at any time without penalty; however, any repaid amounts may not be reborrowed. The interest rate terms, guarantee structure, collateral provisions, and financial covenants applicable to the Term Loan are consistent with those governing the 2024 Credit Facility, as described in Note 12 “Revolving Credit Facility”. The proceeds will be used to reduce a portion of the outstanding balance on our revolving credit facility and to finance an accelerated share repurchase program discussed below. See Form 8-K filed on March 31, 2026 for additional information. On March 31, 2026, the Company entered into an Accelerated Share Repurchase (“ASR”) agreement with Wells Fargo Bank, N.A., authorized by the Board of Directors, for $100.0 million. The initial delivery of shares for the full purchase price of $100.0 million will represent approximately 80% of the total shares to be repurchased, based on the closing price of nCino's common stock on March 31, 2026. The final number of shares to be repurchased will be determined generally by the volume-weighted average price of nCino's common stock during the term of the transaction, less a discount and subject to adjustments. Final settlement is expected to occur in the second quarter of fiscal 2027. See Form 8-K filed on March 31, 2026 for additional information.

Defined Contribution Plan	12 Months Ended
Defined Contribution Plan	Jan. 31, 2026
Retirement Benefits [Abstract]
Defined Contribution Plan	Defined Contribution Plan The Company has a 401(k) plan for its employees in the United States who meet the plan requirements. The Company, at its discretion, may make matching contributions. Employees are immediately vested in their contributions. The Company also has a Registered Retirement Savings Plan covering all eligible employees in Canada. Employer contributions for the fiscal years ended January 31, 2024, 2025, and 2026 were $3.3 million, $5.4 million, and $5.3 million, respectively.

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Jan. 31, 2026 shares
Trading Arrangements, by Individual
Non-Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Terminated	false
Pierre Naudé [Member]
Trading Arrangements, by Individual
Name	Pierre Naudé
Title	Director
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	January 13, 2026
Expiration Date	December 4, 2026
Arrangement Duration	325 days
Aggregate Available	266,667
April Rieger [Member]
Trading Arrangements, by Individual
Name	April Rieger
Title	Chief Legal and Administrative Officer and Secretary
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	January 13, 2026
Expiration Date	December 31, 2026
Arrangement Duration	352 days
Aggregate Available	38,618
Gregory Orenstein [Member]
Trading Arrangements, by Individual
Name	Gregory D. Orenstein
Title	Chief Financial Officer and Treasurer
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	January 15, 2026
Expiration Date	September 4, 2026
Arrangement Duration	232 days
Aggregate Available	78,122
Prior Trading Arrangement [Member] \| Sean Desmond [Member]
Trading Arrangements, by Individual
Name	Sean Desmond
Title	President and Chief Executive Officer
Adoption Date	September 4, 2025
Rule 10b5-1 Arrangement Terminated	true
Termination Date	January 5, 2026
Aggregate Available	218,269
Modified Trading Arrangement [Member] \| Sean Desmond [Member]
Trading Arrangements, by Individual
Name	Sean Desmond
Title	President and Chief Executive Officer
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	January 6, 2026
Expiration Date	February 1, 2027
Arrangement Duration	391 days
Aggregate Available	203,605

Restructuring - Narrative (Details) - USD ($)		3 Months Ended	12 Months Ended
Restructuring - Narrative (Details) - USD ($)	Jan. 18, 2023	Jul. 31, 2025	Jan. 31, 2026	Jan. 31, 2025
Restructuring and Related Activities [Abstract]
Charges incurred			$ 10,077,000	$ 0
Restructuring and related cost, number of positions eliminated, period percent	7.00%	7.00%
Cost of lease termination			1,700,000
Payments of lease termination			$ 600,000

- Definition

Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation.

+ References + Details

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Revenues
Total revenues	$ 594,781	$ 540,657	$ 476,543
Cost of revenues
Total cost of revenues	234,612	215,869	191,470
Gross profit	360,169	324,788	285,073
Operating expenses
Sales and marketing	136,560	123,231	130,547
Research and development	127,528	129,422	117,311
General and administrative	92,354	90,266	76,727
Total operating expenses	356,442	342,919	324,585
Income (loss) from operations	3,727	(18,131)	(39,512)
Non-operating income (expense)
Interest income	1,429	1,761	2,567
Interest expense	(17,457)	(8,763)	(4,135)
Other income (expense), net	19,008	(10,427)	(856)
Income (loss) before income taxes	6,707	(35,560)	(41,936)
Income tax provision (benefit)	(2,996)	(2,511)	1,590
Net income (loss)	9,703	(33,049)	(43,526)
Net income (loss) attributable to redeemable non-controlling interest (Note 2)	141	(472)	(1,109)
Adjustment attributable to redeemable non-controlling interest (Note 2)	4,382	5,301	(71)
Net income (loss) attributable to nCino, Inc.	$ 5,180	$ (37,878)	$ (42,346)
Net income (loss) per share attributable to nCino, Inc.:
Basic (in USD per share)	$ 0.05	$ (0.33)	$ (0.38)
Diluted (in USD per share)	$ 0.05	$ (0.33)	$ (0.38)
Weighted average number of common shares outstanding:
Basic (in shares)	112,883,703	115,162,175	112,672,397
Diluted (in shares)	114,346,567	115,162,175	112,672,397
Subscriptions
Revenues
Total revenues	$ 523,134	$ 469,168	$ 409,479
Cost of revenues
Total cost of revenues	149,562	134,932	120,861
Professional services and other
Revenues
Total revenues	71,647	71,489	67,064
Cost of revenues
Total cost of revenues	$ 85,050	$ 80,937	$ 70,609

Income Taxes - Schedule of Significant components of Deferred Tax Assets And Liabilities (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Deferred tax assets:
Net operating losses	$ 131,336	$ 118,820
Research and development	40,662	48,056
Tax credits	21,689	17,104
Financing obligations and lease liabilities	15,079	16,591
Equity compensation	9,637	11,108
Reserves and accruals	5,030	4,747
Other	2,329	1,587
Total deferred tax assets	225,762	218,013
Less valuation allowance	(151,661)	(160,289)
Total deferred tax assets, net of valuation allowances	74,101	57,724
Deferred tax liabilities:
Intangible assets	(39,903)	(38,429)
Depreciation	(12,964)	(13,522)
Contract acquisition costs	(11,889)	(9,254)
Lease asset	(3,154)	(4,048)
Deferred revenue	(789)	(121)
Total deferred tax liabilities	(68,699)	(65,374)
Net deferred tax assets (liabilities)		$ (7,650)
Net deferred tax asset (liabilities)	$ 5,402

Leases - Narrative (Details)	Jan. 31, 2026
Leases [Abstract]
Term of contract	1 year
Operating lease, weighted average remaining lease term	6 years 11 months 26 days
Operating lease, weighted average discount rate, percent	6.80%

Fair Value Measurements (Tables)

12 Months Ended

Jan. 31, 2026

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

The following table summarizes the

Company’s financial assets measured at fair value as of January 31, 2025 and 2026 and indicates the fair value hierarchy of the valuation:


	Fair value measurements on a recurring basis as of January 31, 2025
	Level 1		Level 2		Level 3
Assets:
Money market accounts (included in cash and cash equivalents)	$	38,841	$	—	$	—
Time deposits (included in long-term prepaid expenses and other assets)	339		—		—
Total assets	$	39,180	$	—	$	—


	Fair value measurements on a recurring basis as of January 31, 2026
	Level 1		Level 2		Level 3
Assets:
Money market accounts (included in cash and cash equivalents)	$	10,588	$	—	$	—
Time deposits (included in prepaid expenses and other current assets)	142		—		—
Time deposits (included in long-term prepaid expenses and other assets)	169		—		—
Total assets	$	10,899	$	—	$	—
Liabilities:
Contingent consideration (included in accrued expenses and other current liabilities)	$	—	$	—	$	9,700
Total liabilities	$	—	$	—	$	9,700

Schedule of Change in Fair Value of Contingent Consideration

The following table summarizes the change in fair value of the contingent consideration with significant unobservable inputs:


Balance, January 31, 2025	$	—
Contingent consideration in connection with business acquisition	8,100
Changes in fair value	1,600
Balance, January 31, 2026	$	9,700

Stockholders’ Equity and Stock-Based Compensation - Schedule of RSUs Activity (Details) - Restricted Stock Units (RSUs) - $ / shares	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Number of Shares
Nonvested, beginning of period (in shares)	6,105,459
Granted (in shares)	3,824,531
Vested (in shares)	(2,358,533)
Forfeited (in shares)	(1,146,329)
Nonvested, end of period (in shares)	6,425,128	6,105,459
Weighted Average Grant Date Fair Value
Nonvested, beginning of period (in USD per share)	$ 32.78
Granted (in USD per share)	24.81	$ 33.65	$ 25.65
Vested (in USD per share)	33.32
Forfeited (in USD per share)	30.65
Nonvested, end of period (in USD per share)	$ 28.01	$ 32.78

Balance Sheet Components -Schedule of Property and Equipment, Net (Details) - USD ($) $ in Thousands	Jan. 31, 2026	Jan. 31, 2025
Property, Plant and Equipment [Line Items]
Total property and equipment, gross	$ 105,423	$ 103,957
Less accumulated depreciation	(29,816)	(29,004)
Property and equipment, net	75,607	74,953
Furniture and fixtures
Property, Plant and Equipment [Line Items]
Total property and equipment, gross	11,862	11,712
Computers and equipment
Property, Plant and Equipment [Line Items]
Total property and equipment, gross	6,646	7,193
Buildings and land
Property, Plant and Equipment [Line Items]
Total property and equipment, gross	56,379	56,379
Leasehold improvements
Property, Plant and Equipment [Line Items]
Total property and equipment, gross	30,536	28,046
Construction in progress
Property, Plant and Equipment [Line Items]
Total property and equipment, gross	$ 0	$ 627

Stockholders’ Equity and Stock-Based Compensation - Schedule of Stock by Class (Details) - shares	Jan. 31, 2026	Jan. 31, 2025
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Issued and outstanding stock options	480,641	811,602
Possible issuance under stock plans	35,870,181
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Issued and outstanding stock options	480,641
Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Nonvested issued and outstanding restricted stock units (“RSUs”)	6,425,128
Common Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common shares reserved for future issuance	42,775,950

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Leases - Schedule of Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025	Jan. 31, 2024
Leases [Abstract]
Cash paid for amounts included in the measurement of operating lease liabilities	$ 5,137	$ 4,400	$ 4,489
Operating right-of-use assets obtained in exchange for operating lease liabilities	1,724	3,349	13,152
Operating right-of-use assets and operating lease liabilities reductions related to operating lease terminations or modifications	$ 2,102	$ 1,995	$ 115

Segment Information - Narrative (Details)	12 Months Ended
Segment Information - Narrative (Details)	Jan. 31, 2026 segment
Segment Reporting [Abstract]
Number of reportable segments	1
Number of operating segments	1

Restructuring - Schedule of Restructuring Plan Liabilities (Details) - USD ($)	12 Months Ended
	Jan. 31, 2026	Jan. 31, 2025
Restructuring Reserve [Roll Forward]
Balance at beginning of period	$ 0
Charges incurred	10,077,000	$ 0
Cash payments	(8,542,000)
Non-cash items	(674,000)
Balance at end of period	$ 861,000	$ 0

- Definition

Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation.

+ References + Details

Commitment and Contingencies

12 Months Ended

Jan. 31, 2026

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

In addition to the operating lease commitments described in Note 11 “Leases,” the Company has additional contractual commitments as described further below.

Purchase Commitments

The Company’s purchase commitments consist of non-cancelable agreements to purchase goods and services, primarily licenses and hosting services, entered into in the ordinary course of business.

Financing Obligations

The Company’s financing obligations consist of leases for the Company’s headquarters and parking deck in which the Company is deemed the owner of for accounting purposes. The assets and corresponding financing obligation are included in property and equipment, net and financing obligations on the consolidated balance sheets. During fiscal 2026, the terms of the leases were amended to expire in October 2039 with options to extend and the purchase option was extended and will expire if not exercised on or before November 30, 2028.

The leases will be analyzed for applicable lease accounting upon expiration of the purchase option, if not exercised.

Purchase commitments and future minimum lease payments required under financing obligations as of January 31, 2026 were as follows:


	Purchase commitments		Financing obligations - leased facility
Fiscal 2027	$	86,486	$	4,257
Fiscal 2028	78,161		4,363
Fiscal 2029	1,138		4,136
Fiscal 2030	—		—
Fiscal 2031	—		—
Thereafter	—		—
Total	$	165,785	$	12,756
Residual financing obligations and assets			48,053
Less: amount representing interest			(9,591)
Financing obligations			$	51,218

A portion of the associated lease payments are recognized as interest expense and the remainder reduces the financing obligations. The weighted-average discount rate for the Company’s financing obligations as of January 31, 2026 was 6.8%.

Indemnification

In the ordinary course of business, the Company generally includes standard indemnification provisions in its arrangements with third parties, including vendors, customers, and the Company’s directors and officers. Pursuant to these provisions, the Company may be obligated to indemnify such parties for losses or claims suffered or incurred. It is not possible to determine the maximum potential loss under these indemnification provisions due to the Company’s limited history of prior indemnification claims and the unique facts and circumstances involved in each particular provision. The Company has not accrued any material liabilities related to such obligations in the accompanying consolidated financial statements.

Legal Proceedings

From time to time, the Company is involved in legal proceedings or is subject to claims arising in the ordinary course of business. In the opinion of management, however, there are no proceedings or claims pending against the Company that we believe are likely to have a material adverse effect on the Company.

Other Commitments and Contingencies

The Company may be subject to audits related to its non-income taxes by tax authorities in jurisdictions where it conducts business. These audits may result in assessments of additional taxes that are subsequently resolved with the authorities or potentially through the courts. The Company accrues for any assessments if deemed probable and estimable.