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An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

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Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

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Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

nCino, Inc.

nCino, Inc. provides cloud-based software applications for financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, digitizes, automates, and streamlines complex processes and workflow, and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable financial institutions to onboard new clients, make loans, and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The firm's nCino IQ is an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. The company was founded in 2011 and is headquartered in Wilmington, NC.

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nCino reports strong Q1 performance, eyes revenue growth opportunities

nCino's Q1 performance reflects resilience and strategic focus, with a strong emphasis on R&D investment and the integration of SimpleNexus. While facing challenges in sales and market pressure, the company remains optimistic about opportunities for revenue growth and deal acceleration in the future.

NCNO reports robust Q2 performance and eyes international expansion

NCNO's Q2 performance reflects strong revenue growth and a positive outlook for the fiscal year. The company is focused on expanding its customer base, leveraging intelligence at the point of execution, and driving IT simplification. It also aims to differentiate itself in the market through R&D priorities and multi-solution commitments.

nCino reports strong Q3 performance, eyes growth in consumer lending

nCino's Q3 performance reflects strong revenue growth and improved operating income. The company faces challenges in deal timelines and churn rates but sees opportunities for growth in the consumer lending space and NIC solutions. Overall, nCino remains focused on delivering on commitments and maintaining relationships with existing customers.

nCino exceeds Q4 expectations, eyes strategic growth amidst challenges

nCino's strong Q4 performance and strategic focus position it for continued growth in fiscal '24.
Despite challenges, the company's commitment to innovation and customer expansion drives confidence in its future.
Navigating industry consolidation and emphasizing long-term automation and efficiency improvements are key priorities.

nCino reports robust Q1 earnings, eyes growth amid market challenges

nCino's Q1 performance reflects strong revenue growth, profitability improvements, and international success, with a focus on sustainable growth and operational efficiency.
While challenges like deal implementation delays and revenue stabilization exist, opportunities in market expansion, deal acceleration, and product enhancement offer avenues for future growth.
Overall, nCino's strategic focus on profitable growth, market success, and operational efficiency positions the company well for continued success and revenue growth in fiscal year '24.

nCino reports robust Q2 results, eyes growth in diverse sectors

nCino's Q2 performance reflects revenue growth and operational strength
The company's focus on customer-centric solutions and cross-selling is paying off
Investments in R&D and expanding product offerings signal confidence in future growth

nCino surpasses revenue targets, eyes growth amid market challenges

nCino's Q3 2024 earnings call showcased strong financial performance, exceeding revenue guidance and emphasizing a focus on profitable growth. The company secured significant product wins and highlighted the introduction of AI capabilities.
While facing challenges such as slower deal signings and churn impact, nCino remains optimistic about leveraging opportunities for future expansion. The sales strategy focuses on core account executives driving relationships and aligning pricing with the evolving business model.

nCino ends FY 2024 with record sales, eyes international growth

nCino's strong Q4 performance and international success position it for growth.
Challenges include organizational changes and transitioning to new business models.
Opportunities lie in expanding sales, product growth, and strategic partnerships.

nCino reports robust Q1 results, eyes international growth opportunities

nCino's Q1 performance reflects strong financials, with revenue growth and operational improvements.
The company's focus on automation, expansion of solutions, and strategic investments positions it for future growth.
While facing challenges in market pressures and debt repayment, nCino is leveraging opportunities in international markets and technology.
Overall, nCino's emphasis on efficiency, automation, and customer-centric operations drives its financial services transformation.

nCino surpasses Q2 revenue targets, eyes growth amid churn challenges

nCino's Q2 2025 performance exceeded expectations, showcasing financial strength and operational resilience.
While facing churn challenges, the company's strategic focus on efficiency, client experience enhancement, and market opportunities underpin its growth trajectory.
With a positive market outlook, nCino's emphasis on innovation, expansion, and strategic partnerships sets the stage for continued success and value creation.

nCino surpasses Q3 expectations, eyes global growth opportunities ahead

nCino delivered strong Q3 results, exceeding revenue and operating income expectations. The company's sales momentum, particularly in the U.S. and international markets, showcases its growth potential. With a positive outlook, nCino expects continued revenue growth and operational efficiency improvements in the upcoming quarters.

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nCino, Inc. engages in the provision of cloud-based software applications for financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, digitizes, automates, and streamlines complex processes and workflow, and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable financial institutions to onboard new clients, make loans, and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The firm's nCino IQ is an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. The company was founded by Pierre Naudé in 2011 and is headquartered in Wilmington, NC.

Top 25 European bank implements nCino to support its transformation strategy Top 25 European bank implements nCino to support its transformation strategy

ABN AMRO and nCino Partnership Driving Digital Transformation across Corporate Lending

nCino (NCNO) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Will nCino (NCNO) Beat Estimates Again in Its Next Earnings Report?

WILMINGTON, N.C., Aug. 14, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, will report financial results for its second quarter ended July 31, 2024, after the market close on Tuesday, August 27, 2024. nCino will host a conference call and webcast that day at 4:30 p.m. ET to discuss its financial results.

nCino Announces Timing of its Second Quarter Fiscal Year 2025 Financial Results Conference Call

nCino Inc. (NASDAQ: NCNO) received a significant boost today when Goldman Sachs upgraded its rating from Neutral to Buy, with a new price target of $42, up from $34. This change reflects Goldman's growing confidence in nCino's ability to navigate recent business challenges and capitalize on new growth opportunities.

Goldman Sachs upgrades nCino to Buy with $42 price target: Should you invest?

nCino (NCNO) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

nCino (NCNO) Upgraded to Strong Buy: Here's What You Should Know

UK specialist bank to eliminate disparate systems in order to reduce risk, achieve data lineage and consistency and enhance credit risk management UK specialist bank to eliminate disparate systems in order to reduce risk, achieve data lineage and consistency and enhance credit risk management

Shawbrook to Leverage nCino to Automate Complex Lending Processes and Optimise Client Portfolios to Achieve Faster Time to Market

Recognition in the Banking Solutions category reinforces nCino's reputation as a company that has an innovative impact on financial services globally Recognition in the Banking Solutions category reinforces nCino's reputation as a company that has an innovative impact on financial services globally

nCino Named a 2024 World's Top FinTech Company by CNBC

NCNO is recommended as a buy due to the need for modern digital banking capabilities in the industry. NCNO's superior product vs point solutions positions it well to capture demand in the growing market. Despite near-term growth concerns, early signs of recovery and attractive valuation make NCNO a worthwhile investment.

nCino: Riding On The Long-Term Secular Tailwind

Company's Gen AI tool, powered by nCino IQ (nIQ), delivers real-time intelligence and optimizes decision-making with data-driven insights for financial institutions across asset sizes and geographies

nCino Deploying Banking Advisor, a Generative AI Solution to Drive New Efficiencies in Financial Institutions

Abercrombie & Fitch

Chewy

Belonging to the coveted Zacks Rank #1 (Strong Buy) list, several stocks are standing out after these companies were able to impressively exceed their first quarter top and bottom-line expectations on Wednesday.

3 Highly Ranked Stocks to Buy After Crushing Q1 Earnings Expectations

WILMINGTON, N.C., May 30, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced its participation in the following investor conference:

nCino to Participate in Upcoming Investor Event

nCino (NCNO) first-quarter fiscal 2025 results benefit from robust demand for its product and services.

nCino (NCNO) Q1 Earnings Top Estimates, Revenues Up Y/Y

nCino, Inc. (NASDAQ:NCNO ) Q1 2025 Results Conference Call May 29, 2024 4:30 PM ET Company Participants Harrison Masters - Director, IR Pierre Naude - Chairman, CEO Greg Orenstein - CFO Conference Call Participants Adam Hotchkiss - Goldman Sachs Ryan Tomasello - KBW Brent Bracelin - Piper Sandler Alex Sklar - Raymond James Saket Kalia - Barclays Terry Tillman - Truist Securities Michael Infante - Morgan Stanley Adam Bergere - Bank of America Charles Nabhan - Stephens Robert Trout - Macquarie Capital Chris Kennedy - William Blair Operator Good day, and thank you for standing by. Welcome to the nCino First Quarter Fiscal Year 2025 Financial Results Conference Call.

nCino, Inc. (NCNO) Q1 2025 Earnings Call Transcript

NCino reported Wednesday (May 29) that demand for its single-platform cloud banking solution and artificial intelligence (AI) features drove record gross sales in the most recent quarter. The company reported that its total revenues of $128.

NCino Reports Demand for Cloud Banking, AI Drives Record Sales

NCino (NCNO) came out with quarterly earnings of $0.19 per share, beating the Zacks Consensus Estimate of $0.13 per share. This compares to earnings of $0.07 per share a year ago.

NCino (NCNO) Surpasses Q1 Earnings and Revenue Estimates

• Total Revenues of $128.1M , up 13% year-over-year • Subscription Revenues of $110.4M , up 13% year-over-year • GAAP Operating Margin of (3)% , up ~500 basis points year-over-year • Non-GAAP Operating Margin of 19% , up ~900 basis points year-over-year WILMINGTON, N.C., May 29, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced financial results for the first quarter of fiscal year 2025, ended April 30, 2024.

nCino Reports First Quarter Fiscal Year 2025 Financial Results

nCino's Continuous Credit Monitoring Solution will help assess credit risks and monitor loan performance nCino's Continuous Credit Monitoring Solution will help assess credit risks and monitor loan performance

M&T Bank Expands Use of nCino with Adoption of Continuous Credit Monitoring Solution Powered by Rich Data Co's Explainable AI Platform

WILMINGTON, N.C., May 14, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO),  a pioneer in cloud banking for the global financial services industry, will report financial results for its first quarter ended April 30, 2024, after the market close on Wednesday, May 29, 2024. nCino will host a conference call and webcast that day at 4:30 p.m. ET to discuss its financial results.

nCino Announces Timing of its First Quarter Fiscal Year 2025 Financial Results Conference Call

NEW YORK , May 2, 2024 /PRNewswire/ -- Purcell & Lefkowitz LLP announces that it is investigating nCino, Inc. (NASDAQ: NCNO) on behalf of the company's shareholders. The investigation seeks to determine whether nCino, Inc.'s directors breached their fiduciary duties in connection with recent corporate actions.

SHAREHOLDER ALERT: Purcell & Lefkowitz LLP Announces Shareholder Investigation of nCino, Inc. (NASDAQ: NCNO)

Top Ontario-based credit union to replace legacy platforms with nCino's single platform for a more seamless user experience and streamlined lending operations Top Ontario-based credit union to replace legacy platforms with nCino's single platform for a more seamless user experience and streamlined lending operations

Libro Credit Union Selects nCino to Empower Employees and Positively Impact Ontario Community

U.K. property lender to leverage nCino's cloud-based platform across core services U.K. property lender to leverage nCino's cloud-based platform across core services

Together Selects nCino to Revolutionise its Lending Business

NCino expanded the omnichannel functionality of its Consumer Banking Solution for banks and credit unions. The expansion helps bankers interact with consumers where and how those customers want to engage, the provider of cloud banking for the global financial services industry said in a Monday (April 1) press release.

NCino Expands Omnichannel Functionality of Consumer Banking Solution

WILMINGTON, N.C, April 01, 2024 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced a series of enhancements to its Consumer Banking Solution. The upgrades to nCino's platform provide bankers with the tools to interact with consumers where and how they want to engage, while providing a foundation of flexibility and agility.

nCino Unveils Latest Enhancements to its Consumer Banking Solution

The highly specialized software developer had a solid fourth quarter to put a cap on its fiscal 2024. It crushed analyst profitability estimates for the period.

Why nCino Stock Was Vaulting Skyward This Week

Earning season's set to begin in just a few weeks — but we're still not quite done with, well, earnings season. The FinTech IPO Index was up 0.3% through the past five sessions as nCino's stock soared 23%.

News for nCino, Inc. Stock (NCNO)