nCino reported a strong start to the fiscal year with revenues exceeding expectations and significant growth in international markets. The company showcased promising AI capabilities and received positive feedback on new product launches. However, the earnings call also highlighted challenges such as a necessary workforce reduction and slower subscription revenue growth. Despite these challenges, the strong performance and strategic initiatives provide a balanced outlook.

Company Guidance -

Q1 2026

During the first quarter of fiscal year 2026, nCino reported revenues of $144.1 million, which represented a 13% year-over-year increase. Subscription revenues, a key component, rose 14% to $125.6 million, with an organic growth of 9%. Non-GAAP operating income was $24.8 million, surpassing expectations, and non-GAAP net income attributable to nCino was $18.4 million, equating to $0.16 per diluted share. The company's international revenues also showed strength, with non-U.S. total revenues up 22% to $31.6 million, and non-U.S. subscription revenues up 31% to $25.9 million. Additionally, nCino reiterated its guidance for fiscal 2026, anticipating subscription revenues between $507 million and $511 million, and total revenues between $578.5 million and $582.5 million, reflecting an 8.5% and 7% growth, respectively. The company also announced a restructuring event, expecting to save approximately $24 million annually, with an immediate flow-through of $5 million to the fiscal 2026 non-GAAP operating income guidance, now increased to $112 million to $116 million.

Strong Start to Fiscal Year 2026

nCino delivered total revenues of $144.1 million, exceeding guidance, driven by strong subscription revenues of $125.6 million, marking a 14% year-over-year growth.

AI Capabilities and Omnichannel Experiences

The company showcased new AI capabilities and omnichannel experiences at their Annual nSight Customer Conference, which were well received by the market and are expected to drive future subscription revenue growth.

International Revenue Growth

Non-U.S. total revenues increased by 22% year-over-year, and non-U.S. subscription revenues grew by 31%, highlighting strong international performance.

Positive Feedback on New Product Launches

nCino released 16 new banking adviser capabilities and has seen a positive reception from customers, which is anticipated to enhance productivity and lower costs for clients.

nCino (NCNO) Earnings, Revenues Date & History

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NCNO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Sep 02, 2025	2026 (Q2)	0.14 / -	0.14	―	―	―
May 28, 2025	2026 (Q1)	0.16 / 0.05	0.19	-74.74% (-0.14)
Apr 01, 2025	2025 (Q4)	0.16 / 0.16	0.21	-23.81% (-0.05)
Dec 04, 2024	2025 (Q3)	0.16 / 0.21	0.14	50.00% (+0.07)
Aug 27, 2024	2025 (Q2)	0.13 / 0.14	0.09	55.56% (+0.05)
May 29, 2024	2025 (Q1)	0.14 / 0.19	0.07	171.43% (+0.12)
Mar 26, 2024	2024 (Q4)	0.12 / 0.21	0.04	425.00% (+0.17)
Nov 29, 2023	2024 (Q3)	0.11 / 0.14	-0.01	1500.00% (+0.15)
Aug 29, 2023	2024 (Q2)	0.07 / 0.09	-0.04	325.00% (+0.13)
May 31, 2023	2024 (Q1)	0.05 / 0.07	-0.06	216.67% (+0.13)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

NCNO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 28, 2025	$26.78	$26.33	-1.68%
Apr 01, 2025	$28.12	$22.59	-19.67%
Dec 04, 2024	$42.50	$37.28	-12.28%
Aug 27, 2024	$34.53	$29.74	-13.87%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.