Revenue segments as reported by the company.

Subscription

Professional services

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Gross Margin

Operating Margin

Profit Margin

Margins

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

Sales and marketing

Research and development

General and administrative

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

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.

Outstanding Shares

Market Cap

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 Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Earnings data Q1 2025

Earnings data Q2 2025

Earnings data Q3 2025

Earnings data Q4 2025

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.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

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.

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

The Saikyo Bank Partners with nCino to Enhance Operational Efficiency and Customer-Centric Services

WILMINGTON, N.C., Feb. 13, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, will report financial results for its fourth quarter and fiscal year ended January 31, 2024, after the market close on Tuesday, March 26, 2024.

nCino Announces Timing of its Fourth Quarter and Fiscal Year 2024 Financial Results Conference Call

North Carolina-based community bank implements nCino solutions to meet demands for accessible capital and serve customers more efficiently North Carolina-based community bank implements nCino solutions to meet demands for accessible capital and serve customers more efficiently

Mechanics & Farmers Bank Using nCino's Cloud Banking Platform to Effectively Deliver on its Mission to Empower Diverse Communities

Community bank brings together lines of business from mortgage to consumer to harness benefits of a single platform Community bank brings together lines of business from mortgage to consumer to harness benefits of a single platform

The Bank of Bennington Expands Partnership with nCino to Include Consumer Lending

Not only are consumers using apps like PayPal Holdings Inc. NASDAQ: PYPL and PayPal-owned Venmo, but people are also using their own bank's apps for more and more transactions.

nCino's path to profits: Niche fintech with strong prospects

Canadian credit union to automate workflows and consolidate and optimize its tech stack with the nCino Cloud Banking Platform Canadian credit union to automate workflows and consolidate and optimize its tech stack with the nCino Cloud Banking Platform

Conexus Credit Union Selects nCino for a Frictionless Member Experience

This fintech and AI stock reached a new high on Thursday. The company partners with Salesforce to transform the financial services industry.

Little-Known AI Stock NCino Currently Is Hovering In A Buy Zone

WILMINGTON, N.C., Jan. 04, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced its participation in the following investor conference:

nCino to Participate in Upcoming Investor Conference

Maine's largest bank chooses innovative technologies from cloud banking leader to modernize point-of-sale and support fully remote online notarization Maine's largest bank chooses innovative technologies from cloud banking leader to modernize point-of-sale and support fully remote online notarization

Camden National Bank Adopts Advanced Mortgage Origination and Closing Solutions by nCino

Salesforce

Cloud banking firm nCino has expanded its 12-year-old collaboration with Salesforce. “Our strategic partnership with Salesforce has enabled nCino to transform the financial services industry by providing industry-specific solutions that drive efficiencies, deliver intelligence, and help institutions modernize for a more agile future,” nCino Chairman and CEO Pierre Naudé said in a Thursday (Dec. 21) press release.

Salesforce Expands Partnership With Cloud Banking Firm nCino

Leaders in cloud innovation reinforce alliance to provide best-in-class solutions to the financial services industry by extending successful partnership to 2031 Updated commercial terms expected to improve nCino's subscription gross margins WILMINGTON, N.C., Dec. 21, 2023 (GLOBE NEWSWIRE) -- nCino , Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced an expanded partnership with Salesforce to accelerate the delivery of best-in-class cloud solutions to the financial services industry.

nCino and Salesforce Expand Strategic Partnership to Further Modernize the Financial Services Industry

American Assets

Ares Commercial Real Estate

Ally Financial

Apollo Commercial Real Estate Finance

Axos Financial Inc.

Barings BDC Inc

Bain Capital Specialty Finance Inc

Brandywine Realty

Broadridge Financial

Chimera Investment

CION Investment Corp

Central Pacific Financial

Easterly Government Properties

Euronet Worldwide

Eagle Bancorp

Fidus Investment

First Interstate BancSystem

Shift4 Payments

GCM Grosvenor Inc

Green Dot

Highwoods Properties

Robinhood

Healthcare Realty Trust Inc

KeyCorp

Kimco Realty

KKR Real Estate Finance Trust

LTC Properties

Moelis

Medical Properties Trust

Marqeta

Newtek Business Services

National Health Investors

Bank of N.T. Butterfield & Son

Nuvei Corp

NexPoint Residential Trust

New York Mortgage Trust

Orchid Island Capital

Patria Investments

Piedmont Office Realty Trust

PennyMac Mortgage Investment

Prudential Financial

Prospect Capital

Runway Growth Finance Corp

Stifel Financial

Solar Capital

Spirit Realty Capital

SS&C Technologies Hlds

NEW YORK, Dec. 08, 2023 (GLOBE NEWSWIRE) -- Keefe, Bruyette & Woods, Inc., a leading specialist investment bank to the financial services and fintech sectors, and a wholly owned subsidiary of Stifel Financial Corp. (NYSE: SF), announces the upcoming index rebalancing for the fourth quarter of 2023.

News for nCino, Inc. Stock (NCNO)