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.

nCino (NCNO) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).

nCino (NCNO) Upgraded to Buy: What Does It Mean for the Stock?

A lot of companies have had to cut guidance this year amid the difficult macro outlook.

This Growth Stock Just Raised Guidance -- Is It a Buy?

Smartsheet

The session's early gains faded -- but not for these two growth stocks.

2 Software Stocks Bucking the Market's Drop Friday

nCino, Inc. (NASDAQ:NCNO ) Q2 2023 Earnings Conference Call September 1, 2022 4:30 PM ET Company Participants Harrison Masters – Investor Relations Pierre Naudé – Chairman and Chief Executive Officer David Rudow – Chief Financial Officer Josh Glover – President and Chief Revenue Officer Conference Call Participants James Faucette – Morgan Stanley Brad Sills – BofA Securities Terry Tillman – Truist Securities Saket Kalia – Barclays Brent Bracelin – Piper Sandler Brian Peterson – Raymond James Robert Napoli – William Blair Frederick Havemeyer – Macquarie Joe Vruwink – Baird Charles Nabhan – Stephens Ken Suchoski – Autonomous Research Maddie Schrage – KeyBanc Capital Markets Operator Good day, and thank you for standing by. Welcome to nCino Second Quarter Fiscal Year 2023 Financial Results Conference Call.

nCino, Inc. (NCNO) Q2 2023 Earnings Call Transcript

nCino (NCNO) delivered earnings and revenue surprises of 50% and 2.19%, respectively, for the quarter ended July 2022. Do the numbers hold clues to what lies ahead for the stock?

NCino (NCNO) Reports Q2 Loss, Tops Revenue Estimates

•  Total Revenues of $99.6M , up 50% year-over-year

nCino Reports Second Quarter Fiscal Year 2023 Financial Results

SYDNEY, Australia, Sept. 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 Rabobank Australia and New Zealand (RANZ) has selected the nCino Bank Operating System® , leveraging nCino's Automated Spreading solution, powered by nCino IQ (nIQ). This partnership will benefit the bank's Australian and New Zealand employees and customers, representing a multi-currency, cross-country commitment to provide a better banking experience.

Rabobank Australia and New Zealand inks deal with nCino

Locally owned Indiana lender will leverage SimpleNexus' homeownership platform as a competitive advantage with tech-savvy consumers Locally owned Indiana lender will leverage SimpleNexus' homeownership platform as a competitive advantage with tech-savvy consumers

SimpleNexus to Power User-Friendly Mobile Homebuying Experience for Approved Mortgage

National mortgage lender implements Nexus Engagement and Nexus Origination to support the diverse financial needs of customers with a modern mobile lending experience National mortgage lender implements Nexus Engagement and Nexus Origination to support the diverse financial needs of customers with a modern mobile lending experience

Angel Oak Home Loans Implements SimpleNexus' Dynamic Homeownership Platform to Support Multiple Lines of Business

WILMINGTON, N.C., Aug. 15, 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 second quarter ended July 31, 2022, after the market close on Thursday, September 1, 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 Second Quarter Fiscal Year 2023 Financial Results Conference Call

WILMINGTON, N.C., Aug. 03, 2022 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking and digital transformation solutions for the global financial services industry, today announced several new appointments across its executive leadership team to further support the Company's continued growth, scale and product innovation.

nCino Announces Executive Leadership Appointments

Top three New Zealand institution by asset size is live on nCino following implementation journey during pandemic Top three New Zealand institution by asset size is live on nCino following implementation journey during pandemic

ASB Successfully Activates nCino to Help Transform Business Lending

Long-time Nexus Engagement and Nexus Origination customer implements Nexus Closing to provide an end-to-end, single sign-on experience for homebuyers

OSB Community Bank Adopts Nexus Closing by SimpleNexus to Support Hybrid Closings

Community Bank Goes Live Across Multiple nCino and nIQ Solutions Community Bank Goes Live Across Multiple nCino and nIQ Solutions

nbkc bank Successfully Implements nCino Commercial Pricing and Profitability

Today, we take our first look at nCino Inc., a fast-growing financial software company. Despite 50% revenue growth, this SaaS concern catering to financial institutions is deep in Busted IPO territory.

Our First Look At nCino, Inc.

WILMINGTON, N.C., June 27, 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 Chris Ainsworth has joined the Company as its first Chief People Officer, serving as a member of the nCino Executive Leadership Team.

nCino Hires Chief People Officer to Lead Company's Strategic People Functions Through Next Phase of Global Growth and Maturation

Texas Farm Credit, Great Southern Bank and Natixis CIB named recipients of Financial Services Impact Awards at nSight 2022 Nominations judged by leading global research and advisory firm Celent

nCino Announces the Winners of Its Annual Customer Awards Program

Mortgage lender implements Nexus Engagement, Nexus Origination and Nexus Closing to support borrowers and loan originators with ‘from anywhere' mortgage technology Mortgage lender implements Nexus Engagement, Nexus Origination and Nexus Closing to support borrowers and loan originators with ‘from anywhere' mortgage technology

Family First Funding Implements SimpleNexus to Provide Borrowers a Streamlined, Single Sign-on Homebuying Experience

The cloud banking software provider announced its plans to buy the mortgage origination platform in November.

How Is nCino's Acquisition of SimpleNexus Going?

Many of the company's clients are financial institutions, which don't always do so well during recessions.

How Would nCino's Business Perform in a Recession?

nCino, Inc. (NASDAQ:NCNO ) Q1 2023 Earnings Conference Call June 1, 2022 4:30 PM ET Company Participants Brittany Riley - Investor Relations Pierre Naude - Chairman and Chief Executive Officer Josh Glover - President and Chief Revenue Officer David Rudow - Chief Financial Officer Conference Call Participants James Faucette - Morgan Stanley Saket Kalia - Barclays Bank PLC Terrell Tillman - Truist Securities, Inc. Bradley Sills - Bank of America Merrill Lynch Josh Beck - KeyBanc Capital Markets Inc. Robert Napoli - William Blair & Company, LLC Charles Nabhan - Stephens Inc. Alexander Sklar - Raymond James & Associates, Inc. Mauro Molina - Piper Sandler & Co. Kenneth Suchoski - Autonomous Research Operator Good day, and thank you for standing by. Welcome to nCino First Quarter Fiscal Year 2023 Financial Results Conference Call.

nCino, Inc. (NCNO) CEO Pierre Naude on Q1 2023 Results - Earnings Call Transcript

nCino (NCNO) delivered earnings and revenue surprises of 25% and 3.31%, respectively, for the quarter ended April 2022. Do the numbers hold clues to what lies ahead for the stock?

NCino (NCNO) Reports Q1 Loss, Tops Revenue Estimates

Total Revenues of $94.2M, up 51% year-over-year Subscription Revenues of $79.2M, up 55% year-over-year Organic Subscription Revenues of $65.6M, up 29% year-over-year

nCino Reports First Quarter Fiscal Year 2023 Financial Results

Top 25 U.S-based bank adopts the nCino Bank Operating System to provide further value to its client base Top 25 U.S-based bank adopts the nCino Bank Operating System to provide further value to its client base

BOK Financial Transforms Commercial Offerings Through nCino Platform

Independent lender says Nexus Engagement and Nexus Origination will support its productivity and recruitment goals Independent lender says Nexus Engagement and Nexus Origination will support its productivity and recruitment goals

News for nCino, Inc. Stock (NCNO)