NCNO Earnings Prediction
The chart below shows how NCNO performed 10 days before and after its earnings report, based on data from the past quarters. Typically, NCNO sees a -0.12% change in stock price 10 days leading up to the earnings, and a +0.51% change 10 days following the report. On the earnings day itself, the stock moves by +0.02%. This data can give you a slight idea of what to expect for the next quarter's release.
NCNO Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
138.80M
13.82%
4.83%
Gross Margin
61.28%
1.04%
3.39%
Operating Margin
1.96%
119.29%
-137.69%
Net Margin
-2.99%
-78.78%
-64.11%
EPS
-0.05
-66.67%
-50.00%
No Data Available
NCNO Earnings Analysis
nCino, Inc. Common Stock Corporation (NCNO.O) Earnings Conference Call
Positive
Quarterly Revenue Increase: Total revenues for the third quarter of fiscal 2025 were $138.8 million, an increase of 14% year-over-year.
Subscription Revenue Increase: Subscription revenues for the third quarter were $119.9 million, also a 14% year-over-year increase, representing 86% of total revenues.
Mortgage Subscription Revenue Growth: Mortgage subscription revenues were $20.7 million, or 17% of subscription revenues in the quarter, reflecting year-over-year growth of 16%.
Gross Profit Increase: Non-GAAP gross profit for the third quarter of fiscal 2025 was $93.2 million, an increase of 15% year-over-year.
Operating Income Increase: Non-GAAP operating income for the third quarter was $28 million, compared to $20.4 million in the third quarter of fiscal 2024, marking a 38% year-over-year increase.
Negative
Revenue Decline Q3 2025: Total revenues for the third quarter of fiscal 2025 were $138.8 million, a decrease of 14% year-over-year.
Mortgage Subscription Revenue Decline: Mortgage subscription revenues were $20.7 million, representing a year-over-year decline of 17% of subscription revenues in the quarter.
Gross Margin Decline: Non-GAAP gross margin for the third quarter of fiscal 2025 was 67.2% compared to 66.5% in the third quarter of fiscal 2024, indicating a decline in profitability.
Operating Income Increase: Non-GAAP operating income for the third quarter of fiscal 2025 was $28 million, compared to $20.4 million in the third quarter of fiscal 2024, reflecting a 38% increase year-over-year but still below expectations.
Remaining Performance Obligation Growth: Our remaining performance obligation, or RPO, was $1.095 billion as of October 31, 2024, up 19% over $917.1 million as of October 31, 2023, indicating a slowdown in growth.
NCNO FAQs
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NCNO Earning Call Sentiment
nCino, Inc. (NCNO) Q3 2025 Earnings Call Transcript
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NCNO.O
-2%Positive
The earnings report shows solid financial performance with a 14% revenue increase and improved margins. However, challenges like elevated mortgage rates, increased churn, and competitive pressures in the mortgage sector temper optimism. The Q&A highlights concerns about guidance reductions and management's reluctance to provide future guidance, adding uncertainty. The absence of a shareholder return plan and integration risks from recent acquisitions further contribute to a balanced view. Given the company's market cap, the stock price is likely to remain stable, resulting in a neutral sentiment.
