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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.

Revenue Multiple

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.

Earnings data Q4 2021

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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.

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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) first-quarter fiscal 2025 results benefit from robust demand for its product and services.

nCino (NCNO) Q1 Earnings Top Estimates, Revenues Up Y/Y

nCino, Inc. (NASDAQ:NCNO ) Q1 2025 Results Conference Call May 29, 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 Ryan Tomasello - KBW Brent Bracelin - Piper Sandler Alex Sklar - Raymond James Saket Kalia - Barclays Terry Tillman - Truist Securities Michael Infante - Morgan Stanley Adam Bergere - Bank of America Charles Nabhan - Stephens Robert Trout - Macquarie Capital Chris Kennedy - William Blair Operator Good day, and thank you for standing by. Welcome to the nCino First Quarter Fiscal Year 2025 Financial Results Conference Call.

nCino, Inc. (NCNO) Q1 2025 Earnings Call Transcript

NCino reported Wednesday (May 29) that demand for its single-platform cloud banking solution and artificial intelligence (AI) features drove record gross sales in the most recent quarter. The company reported that its total revenues of $128.

NCino Reports Demand for Cloud Banking, AI Drives Record Sales

NCino (NCNO) came out with quarterly earnings of $0.19 per share, beating the Zacks Consensus Estimate of $0.13 per share. This compares to earnings of $0.07 per share a year ago.

NCino (NCNO) Surpasses Q1 Earnings and Revenue Estimates

• Total Revenues of $128.1M , up 13% year-over-year • Subscription Revenues of $110.4M , up 13% year-over-year • GAAP Operating Margin of (3)% , up ~500 basis points year-over-year • Non-GAAP Operating Margin of 19% , up ~900 basis points year-over-year WILMINGTON, N.C., May 29, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced financial results for the first quarter of fiscal year 2025, ended April 30, 2024.

nCino Reports First Quarter Fiscal Year 2025 Financial Results

nCino's Continuous Credit Monitoring Solution will help assess credit risks and monitor loan performance nCino's Continuous Credit Monitoring Solution will help assess credit risks and monitor loan performance

M&T Bank Expands Use of nCino with Adoption of Continuous Credit Monitoring Solution Powered by Rich Data Co's Explainable AI Platform

WILMINGTON, N.C., May 14, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO),  a pioneer in cloud banking for the global financial services industry, will report financial results for its first quarter ended April 30, 2024, after the market close on Wednesday, May 29, 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 First Quarter Fiscal Year 2025 Financial Results Conference Call

NEW YORK , May 2, 2024 /PRNewswire/ -- Purcell & Lefkowitz LLP announces that it is investigating nCino, Inc. (NASDAQ: NCNO) on behalf of the company's shareholders. The investigation seeks to determine whether nCino, Inc.'s directors breached their fiduciary duties in connection with recent corporate actions.

SHAREHOLDER ALERT: Purcell & Lefkowitz LLP Announces Shareholder Investigation of nCino, Inc. (NASDAQ: NCNO)

Top Ontario-based credit union to replace legacy platforms with nCino's single platform for a more seamless user experience and streamlined lending operations Top Ontario-based credit union to replace legacy platforms with nCino's single platform for a more seamless user experience and streamlined lending operations

Libro Credit Union Selects nCino to Empower Employees and Positively Impact Ontario Community

U.K. property lender to leverage nCino's cloud-based platform across core services U.K. property lender to leverage nCino's cloud-based platform across core services

Together Selects nCino to Revolutionise its Lending Business

NCino expanded the omnichannel functionality of its Consumer Banking Solution for banks and credit unions. The expansion helps bankers interact with consumers where and how those customers want to engage, the provider of cloud banking for the global financial services industry said in a Monday (April 1) press release.

NCino Expands Omnichannel Functionality of Consumer Banking Solution

WILMINGTON, N.C, April 01, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced a series of enhancements to its Consumer Banking Solution. The upgrades to nCino's platform provide bankers with the tools to interact with consumers where and how they want to engage, while providing a foundation of flexibility and agility.

nCino Unveils Latest Enhancements to its Consumer Banking Solution

The highly specialized software developer had a solid fourth quarter to put a cap on its fiscal 2024. It crushed analyst profitability estimates for the period.

Why nCino Stock Was Vaulting Skyward This Week

Earning season's set to begin in just a few weeks — but we're still not quite done with, well, earnings season. The FinTech IPO Index was up 0.3% through the past five sessions as nCino's stock soared 23%.

FinTech IPO Index Up Slightly as nCino's Gains Offset Huize's Slide

nCino (NCNO) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

Earnings Estimates Moving Higher for nCino (NCNO): Time to Buy?

nCino announced better-than-expected earnings to end its 2024 fiscal year. The cloud-based banking software provider said it's seeing normalized buying cycles and a more "positive tone" from clients.

Why nCino Stock Jumped Today

Cloud-based banking company nCino (NCNO) posted a quarterly earnings that sailed past analysts' forecasts, sending its shares sharply higher ahead of the opening bell Wednesday morning.

nCino Stock Surges After Earnings Beat as Subscriptions Jump—Key Levels to Watch

nCino, Inc. (NCNO) Q4 2024 Earnings Call Transcript

NCino (NCNO) came out with quarterly earnings of $0.21 per share, beating the Zacks Consensus Estimate of $0.12 per share. This compares to earnings of $0.04 per share a year ago.

NCino (NCNO) Surpasses Q4 Earnings Estimates

Q4 Total Revenues of $123.7 M, up 13% year-over-year Fiscal Year 2024 Total Revenues of $476.5 M, up 17% year-over-year Q4 Subscription Revenues of $107.5 M, up 16% year-over-year Fiscal Year 2024 Subscription Revenues of $409.5 M, up 19% year-over-year Company Announces Chief Revenue Officer Transition WILMINGTON, N.C., March 26, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced financial results for the fourth quarter and fiscal year 2024, ended January 31, 2024.

nCino Reports Fourth Quarter and Fiscal Year 2024 Financial Results

North America's largest cooperative financial group to leverage nCino's automated spreading solution, powered by nIQ, to drive increased efficiency North America's largest cooperative financial group to leverage nCino's automated spreading solution, powered by nIQ, to drive increased efficiency

nCino's Single Platform Selected by Desjardins to Automate Loan Origination Process Through Machine Learning

nCino to provide Puerto Rican bank with platform to deliver exceptional customer experiences and create new efficiencies across its commercial lending services from origination to portfolio management nCino to provide Puerto Rican bank with platform to deliver exceptional customer experiences and create new efficiencies across its commercial lending services from origination to portfolio management

FirstBank Puerto Rico Selects nCino to Transform Commercial Lending Services

NCino plans to acquire DocFox to create a single platform that will enable financial institutions to manage the entire client lifecycle. The combined solution will encompass information intake, document collection and due diligence, the companies said in a Monday (March 18) press release.

NCino to Acquire DocFox, Enhance Onboarding in Cloud Banking Solutions

Joint capabilities will simplify, automate, and drive efficiency across the onboarding and account opening experience for commercial and business banking Expands nCino's solution to help financial institutions unify processes and serve clients end-to-end on a single platform WILMINGTON, N.C., March 18, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced that it has signed a definitive agreement to acquire DocFox, a leading solution provider automating onboarding experiences for commercial and business banking.

nCino to Acquire DocFox

Japanese regional bank selects nCino to create a customer-driven mortgage lending experience by streamlining processes and systems onto a single platform Japanese regional bank selects nCino to create a customer-driven mortgage lending experience by streamlining processes and systems onto a single platform

News for nCino, Inc. Stock (NCNO)