NCNO
Ncino·NASDAQ
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NCNO fundamentals
Ncino (NCNO) released its earnings on Dec 3, 2025: revenue was 152.20M (YoY +9.65%), beat estimates; EPS was 0.31 (YoY +47.62%), beat estimates.
Revenue / YoY
152.20M
+9.65%
EPS / YoY
0.31
+47.62%
Report date
Dec 3, 2025
NCNO Earnings Call Summary for Q3,2026
- Revenue Growth: Q3 revenue up 10% YoY to $152.2M, driven by U.S. mortgage (+2% YoY) and international expansion (13% as reported). Subscription revenue at $133.4M (+11% YoY).
- AI-Driven Renewals: 27% of ACV converted to platform pricing, with early renewals (+13% ACV uplift) reflecting AI halo effect. 110 customers using Banking Advisor, 100+ AI skills by year-end.
- Financial Efficiency: Operating margin expanded 600 bps to 26%, with $6.4M overperformance from U.S. mortgage and FX. Free cash flow management supports $100M share buyback.
- International Expansion: Japan's community bank market and EMEA pipeline growth position nCino for 10%+ ACV growth in FY27.
- Rule of 40: On track for Q4 2027, with AI and cost discipline driving margin expansion.
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Revenue
Revenue & Expenses
NCNO has released its 2026 Q3 earnings report, with revenue of 152.16M, reflecting a YoY change of 9.63%, and net profit of 8.62M, showing a YoY change of 307.49%. The Sankey diagram below clearly presents NCNO's revenue sources and cost distribution.
Key Indicators
Ncino (NCNO) key financial stats and ratios, covering profitability, financial health, and leverage.
Ncino (NCNO)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Ncino (NCNO)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Ncino (NCNO)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Ncino (NCNO) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Ncino (NCNO) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the market's earnings forecast for Ncino next quarter?What is the revenue and EPS growth rate for Ncino year over year?What does Ncino do and what are its main business segments?What factors drove the changes in Ncino's revenue and profit?What were the key takeaways from Ncino’s earnings call?What is Ncino's gross profit margin?What were the key takeaways from Ncino's earnings call?Did Ncino beat or miss consensus estimates last quarter?
