nCino's Q2 earnings call showcased strong revenue and profitability performance, with significant growth in North America and international markets. The company's AI and mortgage initiatives are gaining traction, and the activation of the credit union market is showing positive results. However, there are challenges with professional services revenue and change management with new offerings. Overall, the highlights significantly outweigh the lowlights.

Company Guidance

During nCino's second quarter fiscal 2026 earnings call, the company reported outperforming its guidance ranges for revenues and profitability metrics. Total revenues reached $148.8 million, a 12% increase year-over-year, with subscription revenues at $130.8 million, marking a 15% increase year-over-year. The company highlighted strong market validation of its product strategy and noted significant expansion agreements with major North American and Canadian banks. nCino's growth initiatives showed positive traction, particularly in EMEA, where they signed their first customer in Spain, recognizing a $4 billion market opportunity. The credit union market also saw significant engagement, adding six new logos and 35 cross-sells. Additionally, nCino's Banking Adviser, an AI-powered solution, was adopted by over 80 customers, positioning the company as a leader in AI banking transformation. For fiscal 2026, nCino revised its full-year revenue guidance to $585 million to $589 million, reflecting a solid performance and a focus on executing growth strategies globally.

Outperformance in Revenue and Profitability

nCino outperformed its guidance ranges for both revenues and profitability metrics in Q2, with total revenues reaching $148.8 million, up 12% year-over-year. Subscription revenues were $130.8 million, up 15% year-over-year.

Strong North American and International Expansion

Significant expansion agreements with two top 50 U.S. banks and a top five Canadian bank. In EMEA, nCino signed its first customer in Spain, exploring a $4 billion market opportunity.

AI and Platform Pricing Progress

Over 80 customers have purchased the Banking Adviser technology. nCino has converted approximately 21% of its ACV to platform pricing, with a target of a 10% price uplift on renewals.

Mortgage Business Momentum

Subscription revenues in the mortgage business were $20.9 million, up 22% year-over-year, and the company increased its full-year guidance for US mortgage subscription revenues growth from flat to 5%.

Credit Union Market Activation

In the credit union market, nCino added six new logos and 35 cross-sells in the second quarter, with a notable expansion deal involving a $12 billion asset credit union.

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
Nov 26, 2025	2026 (Q3)	0.20 / -	0.21	―	―	―
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)
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)

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
Aug 26, 2025	$28.69	$32.69	+13.94%
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%

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.