nCino: Revenue Growth Acceleration Should Happen In The Coming Years (Rating Upgrade)
nCino is upgraded to Buy as AI Banking Advisor gains traction, accelerating the transition to a new, higher-margin pricing model. NCNO's mortgage business has shifted from a headwind to a tailwind, with strong execution driving market share gains and segment growth outlook raised. Expansion into credit unions and international markets, notably Spain, provides additional growth levers and validates the platform's scalability.
nCino: Despite A Strong Showing, This Play Is Still Drastically Overvalued
nCino, Inc. delivered strong Q2 results, beating revenue and adjusted EPS expectations, driven by robust subscription growth and expanding customer base. Despite operational progress and improved guidance, the stock remains significantly overvalued relative to its growth rate and financial metrics. Key metrics like ACV, customer count, and large-revenue clients are trending positively, supporting long-term business strength.
nCino: A Great Buy Before Earnings As Company Tightens Its Belt
I recommend a "Buy" on nCino (NCNO), a vertical software leader for banks, as the market underappreciates its growth and margin expansion potential. nCino's all-in-one banking platform drives major efficiency gains for clients, with proven adoption by top U.S. and European banks. The company is only ~3% penetrated into its $19.5 billion addressable market, with significant expansion opportunities, especially in Europe.
nCino (NCNO) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
nCino (NCNO) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
nCino: A Lot Of Positive Developments, But I Am Still Wary (Upgrade To Hold)
I upgrade nCino from sell to hold due to mortgage segment stabilization, large client traction, and clearer AI monetization prospects. Organic growth is still decelerating, and AI monetization remains in its early stages, so I'm not ready to turn bullish yet. Recent wins with major banks and the rollout of advanced AI tools show promise, but revenue acceleration is needed to justify a higher rating.
nCino, Inc. (NCNO) Q1 2026 Earnings Conference Call Transcript
nCino, Inc. (NASDAQ:NCNO ) Q1 2026 Earnings Conference Call May 28, 2025 4:30 PM ET Company Participants Harrison Masters - Director, IR Sean Desmond - CEO Greg Orenstein - CFO Conference Call Participants Saket Kalia - Barclays Robert Dee - Truist Securities Koji Ikeda - Bank of America Ryan Tomasello - KBW Nick Altmann - Scotiabank Alex Sklar - Raymond James Chris Kennedy - William Blair Aaron Kimson - Citizens JMP Michael Infante - Morgan Stanley Charles Nabhan - Stephens Adam Hotchkiss - Goldman Sachs Alex Markgraff - KBCM Operator Thank you for standing by, and welcome to nCino's First Quarter Fiscal Year 2026 Financial Results Conference Call. At this time all participants are in listen-only mode.
NCino (NCNO) Q1 Earnings Meet Estimates
NCino (NCNO) came out with quarterly earnings of $0.16 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.19 per share a year ago.
nCino: Downgrade To Sell As Macro Backdrop Has Gotten Dramatically Worse
I downgrade NCNO to a sell due to worsening macro conditions, elevated tariffs, and potential Fed rate hikes, severely impacting mortgage volumes. Despite 4Q25 revenue growth, organic subscription growth decelerated, and adj. EBIT margin fell, indicating underlying weaknesses. Macro risks, including new tariffs and potential recession, pose significant headwinds for NCNO's mortgage-related business, with management modeling zero growth in US mortgage-related revenue for FY26.
nCino shares slide on earnings miss
nCino (NASDAQ:NCNO) shares sank more than 23% after the cloud-based bank operating system's fourth quarter earnings disappointed. For the quarter, nCino posted earnings per share of $0.12, down from $0.21 in the year-ago quarter and missing estimates of $0.19.
nCino, Inc. (NCNO) Q4 2025 Earnings Call Transcript
nCino, Inc. (NASDAQ:NCNO ) Q4 2025 Earnings Conference Call April 1, 2025 4:30 PM ET Company Participants Harrison Masters - Director, IR Sean Desmond - CEO Greg Orenstein - CFO Conference Call Participants Saket Kalia - Barclays Terry Tillman - Truist Securities Alex Sklar - Raymond James James Fawcett - Morgan Stanley Koji Ikeda - Bank of America Ryan Tomasello - KBW Chris Kennedy - William Blair Aaron Kimson - Citizens JMP Alex Markgraff - KBCM Kenneth Suchoski - Autonomous Research Operator Thank you for standing by, and welcome to nCino's Fourth Quarter Fiscal Year 2025 Earnings Conference Call. At this time, all participants are in a listen-only mode.
nCino Shares Slump Amid Slowing Growth in Cloud Banking and Mortgage Markets
nCino shares slumped in after hours trading Tuesday (April 1) in the wake of guidance that anticipates slowing growth in the core cloud banking segments and mortgage markets, though a reacceleration is envisioned for fiscal year 2027.
NCino (NCNO) Lags Q4 Earnings Estimates
NCino (NCNO) came out with quarterly earnings of $0.12 per share, missing the Zacks Consensus Estimate of $0.18 per share. This compares to earnings of $0.21 per share a year ago.
