nCino (NCNO)
NASDAQ:NCNO
Earnings Data
Report Date
Jun 03, 2026After Close (Confirmed)
Period Ending
2027 (Q1)Consensus EPS Forecast
0.27Last Year’s EPS
0.16Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call reflects a materially positive operational and financial inflection: strong ACV growth (+17%), improved retention (112%), accelerating subscription revenue and total revenue growth, expanding profitability (non-GAAP operating income and net income improvements) and significantly improved free cash flow (+55% YoY). AI adoption and platform pricing transition (38% ACV) are cited as durable growth drivers and competitive moats supported by a large anonymized dataset. Pressure points include a near-term international Q4 comp, flat professional services revenue, conservative mortgage assumptions in guidance, and the inherent unpredictability of large deal timing. Management has enacted active capital return (share repurchases) and reiterated FY27 guidance that anticipates continued growth and substantial free cash flow expansion.Company Guidance
ACV Growth and Retention Improvement
Annual Contract Value (ACV) reached $602.4M, up 17% year-over-year (13% organic constant currency). ACV net retention rate improved to 112% (109% organic constant currency), up from 106% in fiscal '25.
Revenue Growth
Total revenues for Q4 were $149.7M, up 6% year-over-year; fiscal 2026 total revenues were $594.8M, up 10% versus fiscal '25. Subscription revenues were $133.4M in Q4 (+7% YoY) and $523.1M for the full year (+12% YoY).
Profitability and Earnings Expansion
Non-GAAP operating income for Q4 was $34.7M (23% of revenues) versus $24.4M (17%) a year ago. Fiscal '26 non-GAAP operating income was $129.4M (22% of revenues) versus $96.2M (18%) in fiscal '25. Non-GAAP net income for fiscal '26 was $122.7M ($1.07 per diluted share) versus $84.5M ($0.72).
Free Cash Flow and Balance Sheet Actions
Free cash flow for fiscal '26 was $82.6M, up 55% YoY from $53.4M. Q4 free cash flow turned positive to $12.5M from negative $10.4M a year prior. Ended quarter with $88.7M cash and equivalents. Repurchased ~5M shares in fiscal '26 for $125M and announced an additional $100M accelerated repurchase program; also expanded term loan by $200M.
AI Adoption and Platform Momentum
Over 170 customers purchased AI intelligence units by fiscal year-end; banking adviser usage increased over 25x from October to March. Approximately 38% of ACV has transitioned to platform pricing (away from seat-based), and nearly 500 customers (representing ~$11T in assets) have granted rights to anonymized data processing to power product intelligence.
International & Market Wins
Largest international gross bookings year in company history. Notable net new EMEA deal in Austria, major commercial lending transformation win in Japan, and U.S. enterprise: best sales quarter in >4 years including a mortgage expansion with a top-40 bank.
Customer Base Expansion and Upsells
Ended fiscal '26 with 620 customers contributing >$100k (up 13% YoY), 114 customers contributing >$1M (up 9% YoY), and 14 customers >$5M (flat). ACV bookings included several multi 7-figure net new and upsell wins.
Guidance Reflecting Continued Growth
Q1 FY27 revenue guidance of $154.5M–$156.5M (subscription revenues $137M–$139M). FY27 guidance: total revenues $639M–$643M and subscription revenues $569M–$573M (midpoint growth 8% and 9%, respectively). FY27 free cash flow expected $132M–$137M (midpoint +63% YoY).
NCNO Earnings History
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 |
|---|---|---|---|
Mar 31, 2026 | $14.98 | $16.57 | +10.61% |
Dec 03, 2025 | $25.57 | $24.35 | -4.77% |
Aug 26, 2025 | $28.69 | $32.69 | +13.94% |
May 28, 2025 | $26.78 | $26.33 | -1.68% |
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.
FAQ
When does nCino (NCNO) report earnings?
nCino (NCNO) is schdueled to report earning on Jun 03, 2026, After Close (Confirmed).
What is nCino (NCNO) earnings time?
nCino (NCNO) earnings time is at Jun 03, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NCNO EPS forecast?
NCNO EPS forecast for the fiscal quarter 2027 (Q1) is 0.27.
