Ncino Inc (NCNO) Q4 2025 Earnings: Growth Amid Challenges

Ladies and gentlemen, buckle up! We're diving into the nCino Inc (NCNO) Q4 2025 earnings call, and let me tell you, it's a rollercoaster ride of growth, challenges, and strategic brilliance. This company is on a mission to revolutionize the banking industry with AI-driven solutions, and the numbers speak for themselves. Let's break it down!



Growth, Growth, Growth!

First things first, nCino's total revenues for Q4 2025 hit $141.4 million, a whopping 14% year-over-year increase. Subscription revenues? Up 16% to $125 million. This is not just growth; this is a stampede of success! The company's strategic acquisitions, like Sandbox Banking, are expected to deliver accretive subscription revenue growth and reduce implementation timelines. AI-driven solutions are reducing complex banking processes from days to seconds, and customers are loving it!

The AI Revolution

nCino is not just riding the AI wave; they're surfing it like a pro. With AI embedded across onboarding, account opening, lending, and portfolio management, nCino is uniquely positioned to seize the vertical AI market opportunity. This is not just about efficiency; it's about creating a competitive moat that's impossible for competitors to match. The company's broad and diverse customer base across more than 20 countries is a testament to their global dominance.

Challenges and Strategies

But it's not all sunshine and rainbows. nCino faced challenges with sales execution and sense of urgency in certain international markets, particularly Europe. The company's fiscal '26 revenue outlook is below expectations due to compounding headwinds and challenges in new bookings momentum. There were delays in the integration of acquired technologies, such as the DocFox acquisition, which impacted customer onboarding decisions. The company experienced higher churn in fiscal '25, with total churn amounting to $26 million of annualized subscription revenues. nCino has faced macroeconomic headwinds, such as the rapid rise in interest rates and liquidity crises, which have dampened sales momentum and new bookings growth.

But nCino is not sitting back and taking it. They're fighting back with increased go-to-market investments, solidifying the internal team across sales, product, marketing, and customer success. New leadership in EMEA, a dedicated credit union team, and strengthened mortgage leadership are part of the strategy to reaccelerate growth. The market opportunity and easing headwinds justify these investments.

The Bottom Line

nCino's Q4 2025 earnings call is a mix of incredible growth and strategic challenges. The company's focus on AI-driven solutions is a game-changer, and their strategic acquisitions are setting them up for long-term success. But they're not immune to market challenges, and they're taking proactive steps to address them. This is a company on the move, and you don't want to miss out on this opportunity!



So, what are you waiting for? Get in on the action and invest in nCino Inc (NCNO) today! This is a no-brainer, and you don't want to be left behind. BOO-YAH!