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An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

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Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

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Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

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nCino, Inc.

nCino, Inc. provides cloud-based software applications for financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, digitizes, automates, and streamlines complex processes and workflow, and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable financial institutions to onboard new clients, make loans, and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The firm's nCino IQ is an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. The company was founded in 2011 and is headquartered in Wilmington, NC.

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nCino reports strong Q1 performance, eyes revenue growth opportunities

nCino's Q1 performance reflects resilience and strategic focus, with a strong emphasis on R&D investment and the integration of SimpleNexus. While facing challenges in sales and market pressure, the company remains optimistic about opportunities for revenue growth and deal acceleration in the future.

NCNO reports robust Q2 performance and eyes international expansion

NCNO's Q2 performance reflects strong revenue growth and a positive outlook for the fiscal year. The company is focused on expanding its customer base, leveraging intelligence at the point of execution, and driving IT simplification. It also aims to differentiate itself in the market through R&D priorities and multi-solution commitments.

nCino reports strong Q3 performance, eyes growth in consumer lending

nCino's Q3 performance reflects strong revenue growth and improved operating income. The company faces challenges in deal timelines and churn rates but sees opportunities for growth in the consumer lending space and NIC solutions. Overall, nCino remains focused on delivering on commitments and maintaining relationships with existing customers.

nCino exceeds Q4 expectations, eyes strategic growth amidst challenges

nCino's strong Q4 performance and strategic focus position it for continued growth in fiscal '24.
Despite challenges, the company's commitment to innovation and customer expansion drives confidence in its future.
Navigating industry consolidation and emphasizing long-term automation and efficiency improvements are key priorities.

nCino reports robust Q1 earnings, eyes growth amid market challenges

nCino's Q1 performance reflects strong revenue growth, profitability improvements, and international success, with a focus on sustainable growth and operational efficiency.
While challenges like deal implementation delays and revenue stabilization exist, opportunities in market expansion, deal acceleration, and product enhancement offer avenues for future growth.
Overall, nCino's strategic focus on profitable growth, market success, and operational efficiency positions the company well for continued success and revenue growth in fiscal year '24.

nCino reports robust Q2 results, eyes growth in diverse sectors

nCino's Q2 performance reflects revenue growth and operational strength
The company's focus on customer-centric solutions and cross-selling is paying off
Investments in R&D and expanding product offerings signal confidence in future growth

nCino surpasses revenue targets, eyes growth amid market challenges

nCino's Q3 2024 earnings call showcased strong financial performance, exceeding revenue guidance and emphasizing a focus on profitable growth. The company secured significant product wins and highlighted the introduction of AI capabilities.
While facing challenges such as slower deal signings and churn impact, nCino remains optimistic about leveraging opportunities for future expansion. The sales strategy focuses on core account executives driving relationships and aligning pricing with the evolving business model.

nCino ends FY 2024 with record sales, eyes international growth

nCino's strong Q4 performance and international success position it for growth.
Challenges include organizational changes and transitioning to new business models.
Opportunities lie in expanding sales, product growth, and strategic partnerships.

nCino reports robust Q1 results, eyes international growth opportunities

nCino's Q1 performance reflects strong financials, with revenue growth and operational improvements.
The company's focus on automation, expansion of solutions, and strategic investments positions it for future growth.
While facing challenges in market pressures and debt repayment, nCino is leveraging opportunities in international markets and technology.
Overall, nCino's emphasis on efficiency, automation, and customer-centric operations drives its financial services transformation.

nCino surpasses Q2 revenue targets, eyes growth amid churn challenges

nCino's Q2 2025 performance exceeded expectations, showcasing financial strength and operational resilience.
While facing churn challenges, the company's strategic focus on efficiency, client experience enhancement, and market opportunities underpin its growth trajectory.
With a positive market outlook, nCino's emphasis on innovation, expansion, and strategic partnerships sets the stage for continued success and value creation.

nCino surpasses Q3 expectations, eyes global growth opportunities ahead

nCino delivered strong Q3 results, exceeding revenue and operating income expectations. The company's sales momentum, particularly in the U.S. and international markets, showcases its growth potential. With a positive outlook, nCino expects continued revenue growth and operational efficiency improvements in the upcoming quarters.

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nCino, Inc. engages in the provision of cloud-based software applications for financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, digitizes, automates, and streamlines complex processes and workflow, and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable financial institutions to onboard new clients, make loans, and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The firm's nCino IQ is an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. The company was founded by Pierre Naudé in 2011 and is headquartered in Wilmington, NC.

nCino (NCNO) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term.

Down -11.61% in 4 Weeks, Here's Why nCino (NCNO) Looks Ripe for a Turnaround

WILMINGTON, N.C., Dec. 11, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced that Habib Bank Zurich plc (HBZ UK), a wholly owned UK incorporated subsidiary of Habib Bank AG Zurich Switzerland, has selected the nCino Platform to grow and digitally enhance the Bank's Buy-to-Let Lending business in the United Kingdom.

Habib Bank Zurich plc Partners with nCino to Power an Enhanced Digital Experience for its Buy-to-Let Lending Business

nCino (NCNO) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

nCino (NCNO) Upgraded to Strong Buy: Here's Why

Despite nCino's solid Q3 performance, including revenue and adjusted EPS exceeding estimates, the company's guidance fell short of consensus, leading to a 12.4% stock drop. The company continues to grow through acquisitions and organic means, with a notable 13.9% revenue increase driven by existing and new customers. Profitability metrics improved, but the stock remains highly expensive, requiring significant cash flow and EBITDA growth to justify its valuation.

nCino's Plunge Was Wholly Justified Despite Exceeding Analysts' Forecasts

Piper Sandler analyst Brent A. Bracelin downgraded nCino, Inc. NCNO to Neutral from Overweight, with a price forecast of $38.

Challenges in Mortgage Segment Hurt nCino, Analyst Downgrades Stock

Correcting Guidance for Fiscal Year 2025 Non-GAAP net income attributable to nCino per diluted share Total Revenues of $138.8M , up 14% year-over-year Subscription Revenues of $119.9M , up 14% year-over-year GAAP Operating Margin of (1)% , up ~1,000 basis points year-over-year Non-GAAP Operating Margin of 20% , up ~350 basis points year-over-year WILMINGTON, N.C., Dec. 04, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced financial results for the third quarter of fiscal year 2025, ended October 31, 2024.

Correction to Press Release Announcing nCino's Third Quarter Fiscal Year 2025 Financial Results

nCino, Inc. (NASDAQ:NCNO ) Q3 2025 Earnings Call Transcript December 4, 2024 4:30 PM ET Company Participants Harrison Masters - Director, IR Pierre Naude - Chairman, CEO Greg Orenstein - CFO Conference Call Participants Michael Infante - Morgan Stanley Adam Hotchkiss - Goldman Sachs Robert Dee - Truist Securities Brent Bracelin - Piper Sandler Saket Kalia - Barclays Alex Sklar - Raymond James Koji Ikeda - Bank of America Ryan Tomasello - KBW Chris Kennedy - William Blair Nick Altmann - Scotiabank Aaron Kimson - Citizens JMP Charles Nabhan - Stephens Operator Hello, everyone and welcome to nCino Third Quarter Financial Results Conference Call for the year 2025. At this time, all participants are in a listen-only mode.

nCino, Inc. (NCNO) Q3 2025 Earnings Call Transcript

NCino (NCNO) came out with quarterly earnings of $0.21 per share, beating the Zacks Consensus Estimate of $0.16 per share. This compares to earnings of $0.14 per share a year ago.

NCino (NCNO) Beats Q3 Earnings and Revenue Estimates

•  Total Revenues of $138.8M , up 14% year-over-year •  Subscription Revenues of $119.9M , up 14% year-over-year •  GAAP Operating Margin of (1)% , up ~1,000 basis points year-over-year •  Non-GAAP Operating Margin of 20% , up ~350 basis points year-over-year WILMINGTON, N.C., Dec. 04, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced financial results for the third quarter of fiscal year 2025, ended October 31, 2024.

nCino Reports Third Quarter Fiscal Year 2025 Financial Results

WILMINGTON, N.C., Dec. 02, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced its participation in the following investor conferences:

UPDATE -- nCino to Participate in Upcoming Investor Conferences

WILMINGTON, N.C., Nov. 25, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced its participation in the following investor conferences:

nCino to Participate in Upcoming Investor Conferences

WILMINGTON, N.C., Nov. 14, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, will report financial results for its third quarter ended October 31, 2024, after the market close on Wednesday, December 4, 2024. nCino will host a conference call and webcast that day at 4:30 p.m. ET to discuss its financial results.

nCino Announces Timing of its Third Quarter Fiscal Year 2025 Financial Results Conference Call

nCino and FullCircl offering for commercial banks in the UK and across the European Continent creates an end-to-end client lifecycle management experience with integrated acquisition, onboarding, KYB, KYC, and rules-based monitoring nCino and FullCircl offering for commercial banks in the UK and across the European Continent creates an end-to-end client lifecycle management experience with integrated acquisition, onboarding, KYB, KYC, and rules-based monitoring

nCino Signs Definitive Agreement to Acquire FullCircl

WILMINGTON, N.C. and LONDON and MADRID, Oct. 30, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced the appointment of Joaquín de Valenzuela as the new Managing Director for the EMEA region. This strategic hire underpins nCino's commitment to accelerating its growth and market presence within the EMEA region.

nCino Announces Joaquín de Valenzuela as Managing Director for EMEA

Fintech stock nCino, which has jumped more than 21% in October, is trading inside a buy zone. The firm finally turned profitable in 2023.

This Artificial Intelligence Fintech Trades In A Buy Zone After A 21% Jump

Japanese bank to increase operational efficiency and enhance value for corporate customers and employees with the nCino Platform Japanese bank to increase operational efficiency and enhance value for corporate customers and employees with the nCino Platform

Tokushima Taisho Bank Selects nCino to Transform Its Commercial Banking Business to be More Digitally Powered

Rhode Island-based community bank sees digital account opening process considerably reduced and cuts in-branch account opening time with nCino Consumer Deposit Account Opening Rhode Island-based community bank sees digital account opening process considerably reduced and cuts in-branch account opening time with nCino Consumer Deposit Account Opening

BankNewport Reports Deposit Account Opening Process Accelerated by as much as Ninety Percent, Streamlining a Key Consumer Banking Experience with nCino

The company unveiled its results for the second quarter of fiscal 2025, scoring minor beats on both revenue and net income. The story was quite different with guidance, however.

Why Investors Were So Cold on nCino Stock This Week

nCino, Inc. shares plummeted 13% due to lower-than-expected GAAP earnings and third-quarter revenue guidance, despite higher-than-expected revenue and adjusted EPS for Q2 2025. The company remains unprofitable and overvalued, justifying my continued 'sell' rating, which has been accurate since September 2022. nCino's SaaS platform for financial institutions shows impressive revenue growth, mainly from new and existing customers, but profitability issues persist.

A Painful Day For nCino Reinforces The Problems Its Investors Face

nCino actually beat sales and earnings expectations in Q2. But the company's third-quarter guidance fell short of Wall Street's expectations.

Why nCino Stock Is Plummeting Today

Marathon Digital Holdings

U.S. stock futures were mixed this morning, with the Nasdaq futures gaining around 0.1% on Wednesday.

PVH, nCino, Marathon Digital And Other Big Stocks Moving Lower In Wednesday's Pre-Market Session

nCino, Inc. (NASDAQ:NCNO ) Q2 2025 Earnings Conference Call August 27, 2024 4:30 PM ET Company Participants Harrison Masters - Director, IR Pierre Naude - Chairman, CEO Greg Orenstein - CFO Conference Call Participants Adam Hotchkiss - Goldman Sachs Terry Tillman - Truist Securities Aaron Kimson - Citizens JMP Saket Kalia - Barclays Charles Nabhan - Stephens Alex Sklar - Raymond James Michael Infante - Morgan Stanley John Gomez - Scotiabank Joe Vruwink - Baird Robert Trout - Macquarie Capital Ryan Tomasello - KBW Chris Kennedy - William Blair Operator Good day, and thank you for standing by, and welcome to nCino Second Quarter Fiscal Year 2025 Financial Results Conference Call. At this time, all participants are in a listen-only mode.

nCino, Inc. (NCNO) Q2 2025 Earnings Call Transcript

NCino (NCNO) came out with quarterly earnings of $0.14 per share, beating the Zacks Consensus Estimate of $0.13 per share. This compares to earnings of $0.09 per share a year ago.

NCino (NCNO) Q2 Earnings and Revenues Surpass Estimates

• Total Revenues of $132.4M , up 13% year-over-year • Subscription Revenues of $113.9M , up 14% year-over-year • GAAP Operating Margin of (6)% , up ~ 650 basis points year-over-year • Non-GAAP Operating Margin of 15% , up ~500 basis points year-over-year WILMINGTON, N.C., Aug. 27, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced financial results for the second quarter of fiscal year 2025, ended July 31, 2024.

nCino Reports Second Quarter Fiscal Year 2025 Financial Results

NCino (NCNO) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

News for nCino, Inc. Stock (NCNO)