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.

Company Reaffirms Q4 and Full Fiscal Year 2023 Financial Guidance Company Reaffirms Q4 and Full Fiscal Year 2023 Financial Guidance

nCino Announces Chief Financial Officer Transition

Autodesk

C3.ai

Digital Turbine

Asana

Alteryx

Bill.com

Datadog

Dynatrace Inc

Elastic N.V

Robinhood

MongoDB

Matterport

Okta

UiPath

Paycom Software

Palantir Technologies

Pubmatic

SentinelOne

Snowflake

Trade Desk

Unity Software

Veeva Systems

Zscaler

Stock based compensation or SBC for short has been a focus of many lately given the egregious numbers posted quarter-after-quarter in financial results. The point of all this investor anxiety towards SBC is the resulting devastating dilution that may occur if the billions in options are actually exercised.

Stock Based Compensation: The Dilution Potential Of The Worst Offenders

Block

Toast

With the arrival of the new year, now is a great time to start looking ahead and considering potential market opportunities in 2023. Fintech was a major casualty during this downturn, but some of these companies are well-positioned for growth in the years to come.

Why These 3 Fintech Stocks Could Soar in 2023

National lender selects CompenSafe to improve incentive compensation administration and communication National lender selects CompenSafe to improve incentive compensation administration and communication

CrossCountry Mortgage Partners with SimpleNexus to Implement CompenSafe Incentive Automation into Its Workflow

As financial institutions prepare for a potential recession, nCino's products and services are still clearly sought after.

Despite Industrywide Headwinds, nCino Looks Steady Heading Into 2023

Fair Isaac

The fintech sector has been hit hard this year. There are some good opportunities heading into 2023.

2 No-Brainer Fintech Stocks to Own in 2023

The average of price targets set by Wall Street analysts indicates a potential upside of 59.4% in nCino (NCNO). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.

Can nCino (NCNO) Climb 59% to Reach the Level Wall Street Analysts Expect?

Germany's “Best Performing Bank” completes successful implementation of the nCino platform to drive further efficiency Germany's “Best Performing Bank” completes successful implementation of the nCino platform to drive further efficiency

Hamburg Commercial Bank Goes Live on nCino

nCino, Inc. (NASDAQ:NCNO ) Q3 2023 Earnings Conference Call November 30, 2022 4:30 PM ET Company Representatives Pierre Naudé - Chairman, Chief Executive Officer David Rudow - Chief Financial Officer Josh Glover - President, Chief Revenue Officer Harrison Masters - Investor Relations Conference Call Participants Terry Tillman - Truist Securities Brent Bracelin - Piper Sandler Alex Sklar - Raymond James Jackson Ader - MoffettNathanson SVB Nick Altmann - Scotia Bank Josh Beck - KeyBanc Saket Kalia - Barclays Charles Nabhan - Stephens Operator Thank you for standing by and welcome to nCino's, Third Quarter Fiscal Year 2023 Financial Results Conference Call. At this time all participants are in a listen-only mode.

nCino, Inc. (NCNO) Q3 2023 Earnings Call Transcript

nCino (NCNO) delivered earnings and revenue surprises of 50% and 1.79%, respectively, for the quarter ended October 2022. Do the numbers hold clues to what lies ahead for the stock?

NCino (NCNO) Reports Q3 Loss, Tops Revenue Estimates

WILMINGTON, N.C., Nov. 30, 2022 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking and digital transformation solutions for the global financial services industry, today announced financial results for its third quarter of fiscal year 2023, ended October 31, 2022.

nCino Reports Third Quarter Fiscal Year 2023 Financial Results

New Zealand's leading business bank selects nCino cloud-based platform to exceed customers' growing expectations New Zealand's leading business bank selects nCino cloud-based platform to exceed customers' growing expectations

Bank of New Zealand Selects nCino to Transform Digital Banking Experience

Co-founder and former CEO of Global Data Consortium, Bill Spruill, joins nCino's Board of Directors Co-founder and former CEO of Global Data Consortium, Bill Spruill, joins nCino's Board of Directors

nCino Appoints New Board Member

WILMINGTON, N.C., Nov. 14, 2022 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking and digital transformation solutions for the global financial services industry, will report financial results for its third quarter ended October 31, 2022, after the market close on Wednesday, November 30, 2022. 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 2023 Financial Results Conference Call

Salesforce

CrowdStrike

HubSpot

ServiceNow

Macquarie launches coverage of enterprise software companies—among its picks, ServiceNow and Salesforce.

Why One Firm Thinks It Might Be Time to Start Buying Software Stocks

Iowa bank's implementation of Nexus Engagement and Nexus Origination strengthens its relationships with customers and real estate agents Iowa bank's implementation of Nexus Engagement and Nexus Origination strengthens its relationships with customers and real estate agents

Peoples Bank Chooses SimpleNexus to Enhance the Customer Homebuying Experience with Home Financing Tools on the Go

JOHANNESBURG, South Africa, Nov. 01, 2022 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking and digital transformation solutions for the global financial services industry, today announced that Absa Bank Limited (Absa), a leading African bank, has selected the nCino Bank Operating System® , to deliver a single platform solution to automate its debt case management and portfolio reporting processes in its Relationship Banking Business.

Absa Bank Limited Selects nCino to Optimize its Relationship Banking Debt Management Business

Partnership will support real estate lender with fast decision making and flexible credit offerings via a cloud-based platform Partnership will support real estate lender with fast decision making and flexible credit offerings via a cloud-based platform

Ashman Bank partners with nCino to bolster its tech platform, after being awarded first UK banking licence of the year

Japanese bank teams up with nCino and IBM to enhance business financing Japanese bank teams up with nCino and IBM to enhance business financing

nCino and IBM Complete Successful Go-Live of Tokyo-based Kiraboshi Bank

California-based lender deepens eight-year tech partnership with SimpleNexus with implementation of Nexus Closing and Nexus Vision California-based lender deepens eight-year tech partnership with SimpleNexus with implementation of Nexus Closing and Nexus Vision

Kings Mortgage Services Adds eClosing and Business Intelligence Solutions from SimpleNexus

Community bank implements nCino to improve speed to funding for clients Community bank implements nCino to improve speed to funding for clients

nCino Launches Enhanced Small Business Banking Solution at American Banker Conference

New Jersey-based lender prepares company-wide launch of Nexus Origination to enhance its customer-focused mortgage experience and award-winning internal culture New Jersey-based lender prepares company-wide launch of Nexus Origination to enhance its customer-focused mortgage experience and award-winning internal culture

EMM Loans Partners with SimpleNexus to Drive Operational Efficiency and Boost Loan Revenue

Australian new digital business bank redefines banking experience to enhance offerings for small and medium-sized businesses Australian new digital business bank redefines banking experience to enhance offerings for small and medium-sized businesses

Avenue Bank Reimagines SME Business Banking with nCino

The average of price targets set by Wall Street analysts indicates a potential upside of 26.9% in nCino (NCNO). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.

Can nCino (NCNO) Climb 27% to Reach the Level Wall Street Analysts Expect?

Challenger bank Recognise, first to go live with new integration LONDON , Sept. 14, 2022 /PRNewswire/ -- Codat, the universal API for small business data, today announced a partnership with nCino  (NASDAQ: NCNO), the worldwide leader in cloud banking, to automate and accelerate banks' ability to underwrite small business loans around the world.

News for nCino, Inc. Stock (NCNO)