Sees FY27 Operating Income of $166M-$171M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4 hours ago
0mins
Consensus $642M. Sees FY27 operating income $166M-$171M. Sees FY27 free cash flow $135M-$140M. Sees FY27 annual contract value $662.5M-$667.5M.
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Analyst Views on NCNO
Wall Street analysts forecast NCNO stock price to rise
13 Analyst Rating
8 Buy
5 Hold
0 Sell
Moderate Buy
Current: 15.230
Low
27.00
Averages
34.20
High
38.00
Current: 15.230
Low
27.00
Averages
34.20
High
38.00
About NCNO
nCino, Inc. is a global provider of cloud banking solutions for the global financial services industry. The Company is a software-as-a-service (SaaS) company that provides software solutions to financial institutions (FIs) to streamline employee and client interactions. It delivers solutions such as cloud computing application and platform services with a multi-tenant technology and shared service-oriented architecture. The nCino Platform is embedded with data and artificial intelligence (AI) that helps FIs digitize and reengineer business processes across multiple lines of business, from commercial, consumer and small business banking to mortgage lending, by offering solutions such as onboarding, account opening, lending, and portfolio management solutions. It offers solutions to community banks, credit unions, independent mortgage banks, and financial entities.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
nCino Expected to Exceed Q1 Earnings Estimates
- Earnings Announcement Date: nCino (NCNO) is set to release its Q1 2023 earnings on May 27th after market close, with consensus EPS estimates at $0.27, reflecting a 68.8% year-over-year increase, and revenue estimates at $155.75 million, up 8.1% year-over-year.
- Performance Beat Record: Over the past two years, nCino has surpassed EPS estimates 88% of the time and revenue estimates 100% of the time, indicating the company's stability and reliability in profitability and revenue growth.
- Revision Trends: In the last three months, EPS estimates have seen 13 upward revisions and 1 downward revision, while revenue estimates have experienced 13 upward revisions with no downward adjustments, showcasing analysts' optimistic outlook on nCino's future performance.
- Future Cash Flow Outlook: nCino projects its free cash flow for fiscal 2027 to be between $132 million and $137 million, while targeting a 10% annual recurring revenue (ACV) growth, reflecting the company's confidence in future growth prospects.
See More
Multiple Companies Report Earnings Beats, Stock Movements
- Salesforce Guidance Adjustment: Salesforce guided for current-quarter revenue between $11.27 billion and $11.35 billion, slightly below analysts' expectations of $11.36 billion, although the company raised its full-year earnings guidance, indicating confidence in future growth.
- Nutanix Strong Earnings: Nutanix reported fiscal third-quarter adjusted earnings and revenue beats, with a non-GAAP operating margin of 22.3%, significantly exceeding analysts' call for 16.9%, reflecting the company's robust performance in the cloud computing sector.
- Agilent Raises Earnings Outlook: Agilent Technologies shares surged 11% after raising its full-year adjusted earnings guidance to between $6 and $6.10 per share, higher than previous estimates of $5.90 to $6.04, demonstrating strong demand in the healthcare equipment market.
- Snowflake Soars: Snowflake's stock jumped 33% in after-hours trading after announcing a $6 billion investment plan in Amazon Web Services over five years, alongside first-quarter results that surpassed estimates, showcasing its enhanced market competitiveness.
See More
nCino Reports Strong Q1 Earnings Beat with Positive Guidance
- Earnings Beat: nCino's Q1 GAAP EPS of $0.12 exceeded expectations by $0.07, indicating ongoing improvements in profitability and boosting market confidence in future growth prospects.
- Significant Revenue Growth: The company reported total revenues of $159.41 million for Q1, reflecting a 10.6% year-over-year increase and surpassing market expectations by $3.66 million, highlighting strong demand in the digital banking solutions sector.
- Subscription Revenue Surge: Subscription revenues reached $140.9 million in Q1, up from $125.6 million a year ago, marking a 12% increase that underscores the expansion of the customer base and the enhanced value of its offerings, further solidifying its market position.
- Optimistic Guidance: nCino's guidance for fiscal year 2027 indicates total revenues between $642.0 million and $646.0 million, with subscription revenues projected between $571.5 million and $575.5 million, reflecting the company's confidence in sustained growth and future performance potential.
See More
Owls Nest Partners Exits Entire Stake in nCino
- Stake Change: Owls Nest Partners IA, LLC disclosed in an SEC filing dated May 14, 2026, that it sold its entire stake of 1,585,623 shares in nCino, with an estimated transaction value of $29.79 million, reflecting a significant 35.9% decline in the company's stock price over the past year.
- Asset Management Impact: The sale reduced nCino's holding from 11.3% of the fund's assets under management to 0%, indicating a substantial loss of confidence in the company, which may influence investor sentiment regarding nCino.
- Market Performance: As of May 13, 2026, nCino shares were priced at $15.33, representing a significant drop from their peak, and underperforming the S&P 500 by 62.4 percentage points over the past year, highlighting a decline in its competitive position.
- Industry Trend Warning: Although nCino's recent earnings report exceeded analyst expectations, Owls Nest's exit may reflect uncertainties in the fintech sector, serving as a reminder for investors to stay informed about company fundamentals and industry trends when assessing investment risks.
See More
Vision Credit Union Selects nCino to Enhance Lending Efficiency
- Intelligent Loan Management: Vision Credit Union has selected nCino's Commercial Lending solution to automate cumbersome manual processes, aiming to significantly enhance the operational efficiency of its nearly 70% agricultural and commercial loan portfolio.
- Deepening Customer Relationships: By leveraging nCino's technology, Vision aims to reduce the time staff spend on administrative tasks, allowing them to focus more on meaningful interactions with community members, thereby enhancing customer loyalty and service quality.
- Full Lifecycle Support: nCino's solution will support the entire lending lifecycle from application through credit decisioning and booking, creating a smoother borrowing experience that is expected to improve staff efficiency and optimize customer experience.
- AI-Driven Intelligent Recommendations: nCino's Banking Advisor feature will provide AI-driven insights and recommendations at critical decision points in the lending process, enhancing the quality and speed of decision-making for staff.
See More
nCino Partners with Raiffeisenbankengruppe Oesterreich for Unified Lending Platform
- Platform Selection: Raiffeisenbankengruppe Oesterreich has chosen nCino as its unified corporate lending platform, marking a significant milestone for nCino in the DACH region and expected to enhance its competitiveness in complex cooperative banking operations.
- Lifecycle Support: The nCino platform will support the complete corporate lending lifecycle from application to final disbursement, covering various products including current account credit, term loans, and business limits, addressing the growing financial needs in Austria.
- Trust Foundation: Raiffeisenbankengruppe Oesterreich emphasizes building long-term trust with customers, and nCino's modern platform will help fulfill its responsibility towards clients, promoting regional economic development.
- Experience Advantage: nCino's extensive experience in the European cooperative banking sector will support Raiffeisenbankengruppe Oesterreich in achieving greater efficiency and innovation during its modernization process, enhancing overall service quality.
See More
nCino Expected to Exceed Q1 Earnings Estimates
- Earnings Announcement Date: nCino (NCNO) is set to release its Q1 2023 earnings on May 27th after market close, with consensus EPS estimates at $0.27, reflecting a 68.8% year-over-year increase, and revenue estimates at $155.75 million, up 8.1% year-over-year.
- Performance Beat Record: Over the past two years, nCino has surpassed EPS estimates 88% of the time and revenue estimates 100% of the time, indicating the company's stability and reliability in profitability and revenue growth.
- Revision Trends: In the last three months, EPS estimates have seen 13 upward revisions and 1 downward revision, while revenue estimates have experienced 13 upward revisions with no downward adjustments, showcasing analysts' optimistic outlook on nCino's future performance.
- Future Cash Flow Outlook: nCino projects its free cash flow for fiscal 2027 to be between $132 million and $137 million, while targeting a 10% annual recurring revenue (ACV) growth, reflecting the company's confidence in future growth prospects.
See More
Multiple Companies Report Earnings Beats, Stock Movements
- Salesforce Guidance Adjustment: Salesforce guided for current-quarter revenue between $11.27 billion and $11.35 billion, slightly below analysts' expectations of $11.36 billion, although the company raised its full-year earnings guidance, indicating confidence in future growth.
- Nutanix Strong Earnings: Nutanix reported fiscal third-quarter adjusted earnings and revenue beats, with a non-GAAP operating margin of 22.3%, significantly exceeding analysts' call for 16.9%, reflecting the company's robust performance in the cloud computing sector.
- Agilent Raises Earnings Outlook: Agilent Technologies shares surged 11% after raising its full-year adjusted earnings guidance to between $6 and $6.10 per share, higher than previous estimates of $5.90 to $6.04, demonstrating strong demand in the healthcare equipment market.
- Snowflake Soars: Snowflake's stock jumped 33% in after-hours trading after announcing a $6 billion investment plan in Amazon Web Services over five years, alongside first-quarter results that surpassed estimates, showcasing its enhanced market competitiveness.
See More
nCino Reports Strong Q1 Earnings Beat with Positive Guidance
- Earnings Beat: nCino's Q1 GAAP EPS of $0.12 exceeded expectations by $0.07, indicating ongoing improvements in profitability and boosting market confidence in future growth prospects.
- Significant Revenue Growth: The company reported total revenues of $159.41 million for Q1, reflecting a 10.6% year-over-year increase and surpassing market expectations by $3.66 million, highlighting strong demand in the digital banking solutions sector.
- Subscription Revenue Surge: Subscription revenues reached $140.9 million in Q1, up from $125.6 million a year ago, marking a 12% increase that underscores the expansion of the customer base and the enhanced value of its offerings, further solidifying its market position.
- Optimistic Guidance: nCino's guidance for fiscal year 2027 indicates total revenues between $642.0 million and $646.0 million, with subscription revenues projected between $571.5 million and $575.5 million, reflecting the company's confidence in sustained growth and future performance potential.
See More
Owls Nest Partners Exits Entire Stake in nCino
- Stake Change: Owls Nest Partners IA, LLC disclosed in an SEC filing dated May 14, 2026, that it sold its entire stake of 1,585,623 shares in nCino, with an estimated transaction value of $29.79 million, reflecting a significant 35.9% decline in the company's stock price over the past year.
- Asset Management Impact: The sale reduced nCino's holding from 11.3% of the fund's assets under management to 0%, indicating a substantial loss of confidence in the company, which may influence investor sentiment regarding nCino.
- Market Performance: As of May 13, 2026, nCino shares were priced at $15.33, representing a significant drop from their peak, and underperforming the S&P 500 by 62.4 percentage points over the past year, highlighting a decline in its competitive position.
- Industry Trend Warning: Although nCino's recent earnings report exceeded analyst expectations, Owls Nest's exit may reflect uncertainties in the fintech sector, serving as a reminder for investors to stay informed about company fundamentals and industry trends when assessing investment risks.
See More
Vision Credit Union Selects nCino to Enhance Lending Efficiency
- Intelligent Loan Management: Vision Credit Union has selected nCino's Commercial Lending solution to automate cumbersome manual processes, aiming to significantly enhance the operational efficiency of its nearly 70% agricultural and commercial loan portfolio.
- Deepening Customer Relationships: By leveraging nCino's technology, Vision aims to reduce the time staff spend on administrative tasks, allowing them to focus more on meaningful interactions with community members, thereby enhancing customer loyalty and service quality.
- Full Lifecycle Support: nCino's solution will support the entire lending lifecycle from application through credit decisioning and booking, creating a smoother borrowing experience that is expected to improve staff efficiency and optimize customer experience.
- AI-Driven Intelligent Recommendations: nCino's Banking Advisor feature will provide AI-driven insights and recommendations at critical decision points in the lending process, enhancing the quality and speed of decision-making for staff.
See More
nCino Partners with Raiffeisenbankengruppe Oesterreich for Unified Lending Platform
- Platform Selection: Raiffeisenbankengruppe Oesterreich has chosen nCino as its unified corporate lending platform, marking a significant milestone for nCino in the DACH region and expected to enhance its competitiveness in complex cooperative banking operations.
- Lifecycle Support: The nCino platform will support the complete corporate lending lifecycle from application to final disbursement, covering various products including current account credit, term loans, and business limits, addressing the growing financial needs in Austria.
- Trust Foundation: Raiffeisenbankengruppe Oesterreich emphasizes building long-term trust with customers, and nCino's modern platform will help fulfill its responsibility towards clients, promoting regional economic development.
- Experience Advantage: nCino's extensive experience in the European cooperative banking sector will support Raiffeisenbankengruppe Oesterreich in achieving greater efficiency and innovation during its modernization process, enhancing overall service quality.
See More
