Ncino, Inc. Stock Price, News & Analysis

nCino (NASDAQ: NCNO) reported third quarter fiscal 2026 results for the period ended October 31, 2025. Total revenues were $152.2M, up 10% year‑over‑year, and subscription revenues were $133.4M, up 11% year‑over‑year. GAAP operating margin improved to 8% (up ~800 bps) and non‑GAAP operating margin rose to 26% (up ~600 bps). Non‑GAAP operating income was $39.9M (+42%) and non‑GAAP net income per diluted share was $0.31 (+51%). Cash and restricted cash were $87.9M, with $203.5M outstanding on the revolving credit facility. The company repurchased ~1.4M shares for ~$39.7M in Q3 and completed its $100M repurchase program (~4.0M shares). Fiscal 2026 guidance: total revenues $591.9M–$593.4M; ACV $564M–$567M.

nCino (NASDAQ: NCNO) appointed Andy Yasutake and Diego Dugatkin to its Board of Directors on Dec. 3, 2025, adding AI product and platform expertise.

Yasutake currently leads global AI capabilities at Edgevana and has prior platform experience at Airbnb and LinkedIn. Dugatkin is chief product officer at Box with a track record in AI-powered product innovation and large-platform product development. Jeffrey Horing of Insight Partners stepped down after ten years. Pierre Naudé will transition from Executive Chairman to non-employee Chairman on Feb. 1, 2026.

nCino (NASDAQ: NCNO) will participate in two investor conferences in December 2025: the Raymond James 2025 TMT and Consumer Conference with a presentation on Tuesday, December 9, 2025 at 11:20 a.m. ET, and the Barclays 23rd Annual Global Technology Conference with a presentation on Wednesday, December 10, 2025 at 11:35 a.m. PT (2:35 p.m. ET). Live webcasts and replays will be available on the company investor relations website.

nCino (NASDAQ: NCNO) will report third quarter fiscal 2026 financial results for the period ended October 31, 2025 after market close on Wednesday, December 3, 2025. The company will host a conference call and live webcast the same day at 4:30 p.m. ET to discuss results.

Investors can access the live webcast at https://investor.ncino.com/. A replay will be available on the company's Investor Relations website following the call.

nCino (NASDAQ: NCNO) announced that Eastern Bank expanded its relationship by adopting nCino’s Consumer Banking and Mortgage solutions to complement an existing Commercial Banking implementation, creating a connected lending platform across product lines.

The deployment will unify legacy systems and customer data, reduce friction between loan types, and incorporate Alloy for enhanced fraud and identity decisioning. Zennify will implement the Consumer Banking and Mortgage modules. The announcement highlights faster processing, improved customer satisfaction, and operational efficiency observed in Eastern Bank’s commercial business as drivers for the expansion.

nCino (NASDAQ: NCNO) launched Digital Partners, role-based AI agents embedded in the nCino Platform to support banking staff and customers with domain-specific workflows. Five agents target executives, analysts, service teams, processors and clients, delivering conversational assistance via Banking Advisor and direct digital-banking interfaces.

The company said these agents are trained on its 13+ years of industry data and will roll out across the platform over the next year, with Analyst Digital Partner beginning deployment in November 2025.

nCino (NASDAQ: NCNO) won the 2025 Datos Insights Impact Award Gold for Best Artificial Intelligence and Advanced Analytics Innovation for its Banking Advisor conversational AI on Oct 16, 2025. Banking Advisor uses nCino's proprietary agent framework and banking-specific AI models backed by 13 years of platform data across 2,800+ financial institutions and trillions in processed loan history.

The company says Banking Advisor integrates natively into the nCino Platform, offers role-based personalization, and automates routine tasks to file documents 3.5x faster. Recent product moves cited include enhancements to the nCino Mortgage Suite, the launch of nCino Integration Gateway, and Operations Analytics Pro for benchmarking and operational insights.

nCino (NASDAQ: NCNO) announced that Baghdadi Capital Group selected the nCino Platform to standardize and automate global operations for its Trade & Working Capital, Higher Bridge Capital and Tamwuil businesses on Oct 9, 2025. The deal marks nCino’s entry into the Spanish market and expands its presence in continental Europe. Baghdadi Capital, a family office founded in 2019 with €2.5 billion financed to date, will use nCino to streamline onboarding, origination across factoring and trade finance, integrate business models, and deploy AI-driven automation to support international expansion and governance.

nCino (NASDAQ: NCNO) has unveiled new AI-powered features for its Mortgage Suite, aimed at streamlining loan origination and improving underwriting efficiency. The company introduced two major innovations: AUS Smart Tasks, which simplifies automated underwriting with plain-language summaries, and Refi Opportunity Analyzer, which identifies refinancing opportunities in existing portfolios.

Additionally, nCino has enhanced its existing tools: Mortgage Advisor now offers 24/7 multilingual guidance from application through closing, while Doc Validation has been expanded to include comprehensive document intelligence capabilities. According to Fannie Mae, 73% of lenders who have adopted AI primarily focus on improving operational efficiency.