nCino Inc
ncino.comWhat Do They Do?
Provides cloud software that helps banks, credit unions and mortgage lenders manage customer onboarding, account opening, lending, credit monitoring and related data workflows.
10-K for FY2026, filed Mar 31, 2026nCino helps FIs of all sizes optimize their operations by embedding banking intelligence directly into the tools FI employees already use.…View ↗
The nCino Platform is embedded with data and AI that help FIs digitize and reengineer business processes across multiple lines of business…View ↗
Lending. nCino provides a comprehensive loan origination platform for commercial, consumer, small business, and mortgage lending, that…View ↗
How Do They Make Money?
Financial institutions pay subscription fees for the platform under multi-year contracts, generally billed in advance in annual installments and spread across the contract period. nCino also sells configuration, implementation, training and advisory services.
10-K for FY2026, filed Mar 31, 2026We generally offer the nCino Platform on a subscription basis pursuant to non-cancelable multi-year contracts that are typically three to…View ↗
Deferred Revenue: Deferred revenue primarily consists of billings or payments received in advance of revenue recognition from subscription…View ↗
To help customers go live with our solutions, we offer professional services including configuration and implementation, training, and…View ↗
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10-K for FY2026, filed Mar 31, 2026
FY2026 revenue by product or service ↗
$594.8M
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10-K for FY2026, filed Mar 31, 2026
$594.8M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Subscriptions
Recurring
10-K for FY2026, filed Mar 31, 2026 |
88%
FY2023: 84%
|
Subscriptions, FY2026
$523.1M Sources
|
Recurring |
|
Professional services and other
|
12%
FY2023: 16%
|
Professional services and other, FY2026
$71.6M Sources
|
Who Are Their Customers?
Banks, credit unions and mortgage lenders buy from nCino's direct sales teams; systems integration partners also help sell and implement the platform.
10-K for FY2026, filed Mar 31, 2026As a pioneer in cloud banking, we have developed trusted relationships and a reputation for successfully implementing our solutions with…View ↗
We sell our solutions directly through our business development managers, account executives, field sales engineers, and customer success…View ↗
To help customers go live with our solutions, we offer professional services including configuration and implementation, training, and…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 1 cent of every revenue dollar as net income in FY2026 and turned 14 cents into free cash flow.
10-K for FY2026, filed Mar 31, 2026
$3.7MView ↗
10-K for FY2026, filed Mar 31, 2026
$5.2MView ↗
10-K for FY2026, filed Mar 31, 2026
$82.6MView ↗
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2027, filed Aug 25, 2026
$5.1MView ↗
- ▲ Now profitable
- vs −$15.3M in Q2 FY2026
10-Q for Q2 FY2027, filed Aug 25, 2026
Open tableView ↗
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Aug 25, 2026
Gave third-quarter and fiscal-year financial guidance
Provided revenue and non-GAAP operating income ranges for the next quarter and fiscal year.
Sources
8-K, filed Aug 25, 2026
nCino is providing guidance for its third quarter ending October 31, 2026, as follows:View ↗
Growing. Revenue grew 2.2x in 4 years, from $273.9M in FY2022 to $594.8M in FY2026, about 21% a year.
Added AI workflow tools
The older report describes analytics and machine-learning tools and partner integrations; the latest also describes AI tools that generate content and digital agents that automate multi-step workflows, plus a service connecting core banking systems and financial technology applications.
10-K for FY2023, filed Mar 28, 2023 10-K for FY2026, filed Mar 31, 2026
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