nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its ...
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Est. EPS $0.33 · Revenue $162.58M · 9 analysts
Est. EPS $1.31 · Revenue $646.13M · 7 analysts
Est. EPS $0.39 · Revenue $171.76M · 4 analysts
Est. EPS $0.38 · Revenue $173.98M · 3 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $594.8M | +10.0% | +1.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $5.2M | +113.7% | -62.8% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +60.6% | +0.8% | +3.5% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +0.6% | +118.7% | -38.9% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +0.9% | +112.4% | -63.1% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $82.6M | +56.0% | -57.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +13.9% | +41.8% | -58.3% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 26.4% | +21.4% | +8.2% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 1.00x | -17.1% | -5.0% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $1.6B | +2.3% | -2.2% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 0.05 vs 0.91 | -94.5% | 0.05 vs 0.33 | -84.9% |
| Revenue Surprise | $594.8M vs $593.0M | +0.3% | $161.0M vs $162.6M | -1.0% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 27, 2026 | Sellers Jeanette | officer: SVP of Accounting | Common Stock | D | 690 | $22.70 |
| Aug 5, 2026 | Sellers Jeanette | officer: SVP of Accounting | Common Stock | D | 1,536 | $19.53 |
| Aug 5, 2026 | Desmond Sean | director, officer: CEO & President | Common Stock | A | 8,064 | $4.98 |
| Aug 5, 2026 | Desmond Sean | director, officer: CEO & President | Common Stock | D | 11,815 | $19.53 |
| Aug 5, 2026 | Desmond Sean | director, officer: CEO & President | Stock Option (Right to Buy) | D | 8,064 | $4.98 |
Operator: Thank you for standing by, and welcome to nCino's Second Quarter Fiscal Year 2027 Financial Results Conference Call. [Operator Instructions] As a reminder, today's program is being recorded. And now I'd like to introduce your host for today's program, Harrison Masters. Vice President, Investor Relations. Please go ahead, sir. Harrison Masters: Good afternoon, and welcome to nCino's Second Quarter Fiscal 2027 Earnings Call. With me on today's call are Sean Desmond, nCino's Chief Executive Officer; and Greg Orenstein, nCino's Chief Financial Officer. During the course of this conference call, we will make forward-looking statements regarding trends, strategies and the anticipated performance of our business. These forward-looking statements are based on management's current views and expectations, entail certain assumptions made as of today's date, and are subject to various risks and uncertainties described in our SEC filings and other publicly available documents, the financial services industry and global economic conditions. nCino disclaims any obligation to update or revise any forward-looking statements. Further, on today's call, we will also discuss certain non-GAAP metrics that we believe aid in the understanding of our financial results. A reconciliation to comparable GAAP metrics can be found in today's earnings release, which is available on our website and as an exhibit to the Form 8-K furnished with the SEC just before this call as well as the earnings presentation on our Investor Relations website at investor.ncino.com. With that, I will turn the call over to Sean. Sean Desmond: Thank you, Harrison, and welcome to nCino's Second Quarter Fiscal 2027 Earnings Call. I'm very proud of the team's consistent focus and execution this past quarter. We continue to deliver on our commitments, once again outperforming all financial guidance metrics and find ourselves very well positioned for the second half of this fiscal year and beyond. Over the last several months, my time on the road with customers, prospects and partners has continued to validate our strategy. Each interaction, whether in Charlotte, Oklahoma City, New York, Tokyo, Amsterdam or Jackson, Mississippi, has reinforced how uniquely positioned nCino is to be the trusted global leader in AI-powered banking. With the rapid evolution in technology and market dynamics, financial institutions of all sizes the world over are looking for a trusted partner rather than more vendors. And nCino is increasingly recognized as that partner. We are the partner the market can count on to innovate and bring the right technology to solve banking-specific operational, risk management and regulatory compliance challenges. Our solutions for lending, onboarding, account opening and portfolio monitoring run on a unified AI-powered platform, allowing customers to consolidate and streamline operations with one vendor and gain efficiencies other technology companies simply can't match. During …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Sean Desmond | Chief Executive Officer, President & Director | USD 1,006,202 | Male | 1974 | Active |
Gregory D. Orenstein | Chief Financial Officer & Treasurer | USD 730,735 | Male | 1969 | Active |
April Rieger | Chief Legal & Administrative Officer and Corporate Secretary | USD 596,344 | Female | 1980 | Active |
Pierre Naude | Co-Founder & Chairman of the Board | USD 530,963 | Male | 1959 | Active |
Mark Bernhardi | Managing Director of Australia & New Zealand | — | Male | — | Active |
Katie Smith | Director of Operations | — | Female | — | Active |
Davis Brannan | Executive Vice President of Strategic Operations | — | Male | — | Active |
Izak Cronier | Head of Information Technology | — | Male | — | Active |
Jeanette Sellers | Vice President of Accounting | — | — | — | Active |
Anthony Morris | Senior Vice President of Global Banking Strategy & Customer Advisory | — | Male | — | Active |
Descartes Systems Group maintains a highly profitable, debt-free logistics network serving 29,000 customers worldwide. nCino has achieved a pivot to profitability by modernizing banking workflows through deep strategic partnerships with Salesforce.
BWAY, HTLD and NCNO made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on July 14th, 2026.
nCino offers compelling value as small- and mid-cap software stocks regain investor interest amid sector rotation. NCNO shares remain down ~30% YTD and ~40% over 12 months, despite a recent rally from lows. Recent Q1 results showed accelerating revenue growth, improved efficiency, and a full-year guidance boost, pushing NCNO into 'Rule of 40' territory.
HTLD, MEOH, NCNO, JD and BWAY have been added to the Zacks Rank #1 (Strong Buy) List on July 14th, 2026.
Already ranked in the nation's top 1% in efficiency, the Bank is building a suite of AI agents on nCino with a goal to make every frontline commercial banker 50% more productive Already ranked in the nation's top 1% in efficiency, the Bank is building a suite of AI agents on nCino with a goal to make every frontline commercial banker 50% more productive
