nCino (NCNO) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Sep 01, 2026

After Close (Confirmed)

Period Ending

2027 (Q2)

Consensus EPS Forecast

0.27

Last Year’s EPS

0.22

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 13 Analysts Ratings

Earnings Call Summary

Q1 2027

Earnings Call Date:May 27, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call conveyed material operational and financial progress: accelerating subscription revenues, sizable margin expansion, strong free cash flow, raised full-year guidance, meaningful AI adoption signals (transitioned ACV, >200 IU bundles, banking adviser usage surge), and productivity gains in engineering and services. Lowlights were largely tactical and timing-related: mortgage headwinds with conservative assumptions, flat professional services revenue, some expense timing that boosted Q1 operating income, and early-stage IU monetization/LLM cost risks. Overall, the positive execution and upward guidance outweigh the risks presented, though the company is taking a prudent stance on AI monetization and mortgage exposure.

Company Guidance

Management guided Q2 FY27 total revenues of $157.75M–$159.75M and subscription revenues of $140.25M–$142.25M (about 7%–8% YoY at the midpoint), with Q2 non‑GAAP operating income of $35.5M–$37.5M, an assumed U.S. mortgage subscription decline of ~2% YoY in Q2 and ex‑mortgage constant‑currency subscription growth of 9%–11%; for fiscal 2027 they raised full‑year guidance to $642M–$646M total revenues (~8% growth at midpoint), subscription revenues $571.5M–$575.5M (~10% growth, 9% cc), net ACV additions of $60M–$65M for cumulative ACV of $662.5M–$667.5M (+10% vs FY26 midpoint), non‑GAAP operating income $166M–$171M (~30% increase vs FY26 midpoint) and free cash flow $135M–$140M; Q1 that informed the outlook included $159.4M total revenue, $140.9M subscription (+12% YoY, 11% cc), $44.5M non‑GAAP operating income (28% margin) and $80.8M free cash flow (+54% YoY), and management noted >40% of ACV on the new pricing model, >200 customers with initial intelligence‑unit bundles and banking adviser usage up >38x (May vs Oct).

Revenue and Subscription Growth

Q1 total revenues $159.4M (+11% YoY). Subscription revenues $140.9M (+12% YoY; +11% in constant currency) with a sequential subscription revenue increase of ~ $7.5M.

Margin Expansion and Rule of 40

Non-GAAP operating income $44.5M, representing a 28% margin and a ~79% YoY increase; management highlighted achieving the Rule of 40.

Strong Free Cash Flow and Share Repurchase

Q1 free cash flow $80.8M (+54% YoY). Repurchased ~6.1M shares for $93.1M (avg $15.2); $65M remains available under the December 2025 program.

Raised Full-Year Guidance

Fiscal 2027 revenue guidance raised to $642M–$646M (from $639M–$643M). Subscription revenue guidance raised to $571.5M–$575.5M (now ~10% growth at midpoint). Non-GAAP operating income guidance raised to $166M–$171M; free cash flow guidance raised to $135M–$140M.

AI Adoption and Initial Monetization Signals

>40% of ACV has transitioned to the new platform pricing model tied to AI; >200 customers received initial intelligence-unit (IU) bundles. Management reported the first customers have reached their IU limits and are in renewal/addendum conversations.

Rapid Acceleration of AI Usage and Productivity Gains

Banking Adviser usage up >38x (May vs October); professional services hours per engagement compressed by >40% (management claim). Development cycles compressed to <90 days and AI-assisted code rose from ~21% to ~57% of code authored YoY, with teams ~34% more efficient.

International Momentum

Non-US total revenues $36.4M (+15% YoY; +11% constant currency). Non-US subscription revenues $31.3M (+21% YoY; +16% constant currency), contributing to global pipeline strength.

Product and GTM Progress

Unveiled Agentic Operating System (AOS) and persona-based AI agents at Insight; record conference attendance (>1.6k attendees, >300 customers/prospects) and positive customer outcomes (example: ConnectOne reclaiming ~50% of team time).

nCino (NCNO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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NCNO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Sep 01, 2026	2027 (Q2)	0.27 / -	0.22	―	―	―
May 27, 2026	2027 (Q1)	0.28 / 0.34	0.16	112.50% (+0.18)
Mar 31, 2026	2026 (Q4)	0.21 / 0.37	0.12	208.33% (+0.25)
Dec 03, 2025	2026 (Q3)	0.21 / 0.31	0.21	47.62% (+0.10)
Aug 26, 2025	2026 (Q2)	0.14 / 0.22	0.14	57.14% (+0.08)
May 28, 2025	2026 (Q1)	0.16 / 0.16	0.19	-15.79% (-0.03)
Apr 01, 2025	2025 (Q4)	0.19 / 0.12	0.21	-42.86% (-0.09)
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)

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 27, 2026	$15.19	$15.85	+4.34%
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%

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.