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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.

Outstanding Shares

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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.

Earnings data Q4 2021

Earnings data Q1 2022

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Earnings data Q4 2023

Earnings data Q1 2024

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Earnings data Q1 2025

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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.

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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.

nCino, Inc. (NASDAQ:NCNO ) Q2 2024 Earnings Conference Call August 29, 2023 4:30 PM ET Company Participants Harrison Masters - Director, IR Pierre Naude - Chairman and CEO Greg Orenstein - CFO Josh Glover - President and Chief Revenue Officer Conference Call Participants Terry Tillman - Truist Securities Charles Nabhan - Stephens James Faucette - Morgan Stanley Nick Altmann - Scotiabank Cris Kennedy - William Blair Joe Vruwink - Baird Jessica Wang - Raymond James J.R. Herrera - Piper Sandler Jackson Ader - MoffettNathanson Adam Bergere - Bank of America Saket Kalia - Barclays Ken Suchoski - Autonomous Research Alex Markgraff - KBCM Operator Good day and thank you for standing by, and welcome to nCino Second Quarter Fiscal Year 2024 Financial Results Conference Call.

NCino, Inc. (NCNO) Q2 2024 Earnings Call Transcript

• Total Revenues of $117.2M , up 18% year-over-year • Subscription Revenues of $99.9M , up 18% year-over-year WILMINGTON, N.C., Aug. 29, 2023 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today announced financial results for the second quarter of fiscal year 2024, ended July 31, 2023.

nCino Reports Second Quarter Fiscal Year 2024 Financial Results

WILMINGTON, N.C., Aug. 15, 2023 (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, 2023, after the market close on Tuesday, August 29, 2023. 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 2024 Financial Results Conference Call

nCino to provide WaterStone with a single, end-to-end solution for all lending activities nCino to provide WaterStone with a single, end-to-end solution for all lending activities

WaterStone Bank Upgrading to the nCino Cloud Banking Platform Across All In-house Lending

API integration connects SimpleNexus, an nCino Company, mobile-first homeownership solution with MortgagebotLOS to simplify U.S. home lending API integration connects SimpleNexus, an nCino Company, mobile-first homeownership solution with MortgagebotLOS to simplify U.S. home lending

SimpleNexus, an nCino Company, Builds Integration with Finastra's MortgagebotLOS

QUALCOMM

Taiwan Semiconductor Manufacturing

The year 2023 has been a massive time for the market's top tech stocks. The Nasdaq posted record gains for the first half of the year as investors came rushing into both the mega-cap tech titans and newer winners in fields such as artificial intelligence ( AI ).

3 Tech Stocks That Are Screaming Buys Right Now: July 2023

Cloud provider nCino, which offers a Bank Operating System to manage key functions within banks, is reportedly up for sale or seeking a transaction, causing a 30% jump in share price. Despite strong revenue growth, concerns about nCino's bottom line and changing market conditions could result in a disappointing payout per share for common shareholders in any takeover deal. The company's ownership structure, with Insight Venture controlling 35% of the company, could also influence the terms of any deal, with a potential price range between $22 to $35 per share predicted.

nCino: A Takeover Might Be At A Not-So-Generous Valuation

Growth to decline from historical 30%-50% to 16%-17% in FY 2024 as NCNO faces slowdown across larger enterprise deals. Fundamentals are not exceptional but decent and improving. Downside risk remains moderate today, while the stock appears fully valued in my opinion. I rate the stock neutral.

nCino: Challenged Outlook And Fully Valued

Even some skyrocketing performers — up double digits — were not enough to boost the FinTech IPO Index. The pantheon lost 2.7%, despite rumors of deal-making, despite economic data that showed a surprising resilience in consumer spending.

FinTech IPO Index Slips 2.7% Despite nCino's Surge on Deal Rumors

Two banking software companies saw their stock rise Friday (June 16) after a report that one is considering a takeover offer. nCino's stock leaped 25% Friday, while that of one of its competitors, Q2 Holdings, rose 5%, Seeking Alpha reported Friday.

Banking Software Company nCino Reportedly Considering Takeover Offers

Bidirectional integration brings a world-class homebuying experience and mobile origination toolset to financial institutions and independent mortgage banks Bidirectional integration brings a world-class homebuying experience and mobile origination toolset to financial institutions and independent mortgage banks

SimpleNexus, an nCino Company, Announces New Integration with Empower, Black Knight's Comprehensive Loan Origination System

Adjusted earnings and revenue beat consensus estimates. The company also provided guidance for its full fiscal year of 2024.

Why Shares of nCino Are Falling Today

nCino, Inc. (NASDAQ:NCNO ) Q1 2024 Earnings Conference Call May 31, 2023 4:30 PM ET Company Participants Harrison Masters - Investor Relations Pierre Naude - Chairman, Chief Executive Officer Greg Orenstein - Chief Financial Officer Josh Glover - President, Chief Revenue Officer Conference Call Participants Charles Nabhan - Stephens Nick Altmann - Scotiabank Terry Tillman - Truist Securities James Faucette - Morgan Stanley Robert Napoli - William Blair Kenneth Suchoski - Autonomous Research Jackson Ader - SVB MoffetNathanson Josh Beck - KeyBanc Operator Good day, and thank you for standing by. Welcome to nCino First Quarter Fiscal Year 2024 Financial Results Conference Call.

nCino, Inc. (NCNO) Q1 2024 Earnings Call Transcript

NCino (NCNO) came out with quarterly earnings of $0.07 per share, beating the Zacks Consensus Estimate of $0.05 per share. This compares to loss of $0.06 per share a year ago.

NCino (NCNO) Q1 Earnings and Revenues Surpass Estimates

Shares of cloud-software company nCino Inc. NCNO, which focuses on the financial sector, plunged more than 10% in after-hours trading Wednesday, after executives reduced their annual revenue forecast and guided for quarterly sales lower than Wall Street expected. The move follows a big downturn for Tenable Holdings Inc.

The banking crisis is claiming another software stock

• Total Revenues of $113.7M , up 21% year-over-year•  Subscription Revenues of $97.3M , up 23% year-over-year•  Cash from Operating Activities of $31.3M and GAAP Loss from Operations of $(8.6)M•  Company Achieves Record Free Cash Flow of $29.7M and Record Non-GAAP Operating Income of $10.9M

nCino Reports First Quarter Fiscal Year 2024 Financial Results

Brookfield Renewable Partners

Constellation Energy Corp

Marathon Digital Holdings

Keep an eye on companies that have witnessed solid earnings acceleration as of now, such as nCino (NCNO), Constellation Energy (CEG), Brookfield Renewable Partners (BEP) and Marathon Digital (MARA).

4 Stocks to Watch Now for Superb Earnings Acceleration

Partnership seeks to harness the power of artificial intelligence (AI) to produce faster and more equitable lending decisions with better risk assessment for financial institutions of all sizes Partnership seeks to harness the power of artificial intelligence (AI) to produce faster and more equitable lending decisions with better risk assessment for financial institutions of all sizes

nCino and Zest AI Create Strategic Partnership to Bring More Efficiency to Financial Services Through AI-Automated Underwriting

WILMINGTON, N.C., May 15, 2023 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking and digital transformation solutions for the global financial services industry, will report financial results for its first quarter ended April 30, 2023, after the market close on Wednesday, May 31, 2023. 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 2024 Financial Results Conference Call

CHARLOTTE, N.C., May 09, 2023 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), a pioneer in cloud banking for the global financial services industry, today kicked off nSight 2023, its annual user conference in Charlotte, NC.

nCino Kicks off Annual Conference, nSight, Advancing Modernization in Financial Services

Partnership strengthens Grasshopper's Commercial and SBA lending businesses as it continues to expand the use of the platform for even greater efficiency Partnership strengthens Grasshopper's Commercial and SBA lending businesses as it continues to expand the use of the platform for even greater efficiency

nCino Announces Partnership with Grasshopper to Streamline Bank's Internal Processes and Enhance Client Experience

South African commercial property specialty lender selects nCino's cloud banking platform to grow business and improve access to finance for property entrepreneurs in affordable housing South African commercial property specialty lender selects nCino's cloud banking platform to grow business and improve access to finance for property entrepreneurs in affordable housing

TUHF Partners with nCino to Improve Its Competitive Edge and to Scale Efficiently

nCino Contends With Multiple Industry Headwinds In 2023

dLocal Ltd

Earnings season's just about over. But there were a few last reports among our FinTech IPO pantheon right before the next earnings season begins next week.

FinTech IPO Index Gains 0.3% as nCino and dLocal Post Earnings

nCino's products offer a compelling value add for banks. But now management is saying it expects longer sales cycles and more scrutiny on deals.

News for nCino, Inc. Stock (NCNO)