nCino Inc
F:6NCA
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nCino Inc
F:6NCA
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US |
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Kudelski SA
F:KUD
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T
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Thu Duc Water Supply JSC
VN:TDW
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Hangzhou Weiguang Electronic Co Ltd
SZSE:002801
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nCino Inc
In the bustling world of financial technology, nCino Inc. has emerged as a transformative force, easing the journey for banks and credit unions on their digital transformation endeavors. Born out of the tech-savvy minds at Live Oak Bank in 2012, the company set out with a singular vision: to streamline the complex and often cumbersome processes within financial institutions. At its heart, nCino offers a cloud-based operating system that revolutionizes the workflow in financial environments, ranging from small credit unions to colossal banking giants. This platform integrates various loan management and banking processes into a seamless experience, leveraging the robustness and scalability of the cloud to minimize inefficiencies and elevate customer experience.
nCino capitalizes on a subscription-based revenue model, licensing its software suite to clients and ensuring a steady stream of income through recurring payments. By automating traditionally manual tasks like loan origination and account opening, nCino empowers financial institutions to serve their clients more swiftly and efficiently, carving out a competitive edge in the market. The company's prowess lies in its ability to not only simplify operations but also enhance compliance and risk management—critical pain points in the banking sector. Through continuous innovation and a client-centric approach, nCino cements itself as a pivotal partner for financial entities desiring agility in an ever-evolving regulatory landscape.
In the bustling world of financial technology, nCino Inc. has emerged as a transformative force, easing the journey for banks and credit unions on their digital transformation endeavors. Born out of the tech-savvy minds at Live Oak Bank in 2012, the company set out with a singular vision: to streamline the complex and often cumbersome processes within financial institutions. At its heart, nCino offers a cloud-based operating system that revolutionizes the workflow in financial environments, ranging from small credit unions to colossal banking giants. This platform integrates various loan management and banking processes into a seamless experience, leveraging the robustness and scalability of the cloud to minimize inefficiencies and elevate customer experience.
nCino capitalizes on a subscription-based revenue model, licensing its software suite to clients and ensuring a steady stream of income through recurring payments. By automating traditionally manual tasks like loan origination and account opening, nCino empowers financial institutions to serve their clients more swiftly and efficiently, carving out a competitive edge in the market. The company's prowess lies in its ability to not only simplify operations but also enhance compliance and risk management—critical pain points in the banking sector. Through continuous innovation and a client-centric approach, nCino cements itself as a pivotal partner for financial entities desiring agility in an ever-evolving regulatory landscape.
Strong finish: nCino said it exceeded guidance across every key metric in fiscal 2026, with fourth-quarter ACV up 17% year over year and bookings momentum improving.
AI adoption: Management said AI is already driving customer adoption, early renewals, and expansion, with more than 170 customers buying AI intelligence units by year-end.
Pricing shift: The company said about 38% of ACV has moved from seat-based pricing to platform pricing, and that the transition is exceeding internal targets.
Outlook: For fiscal 2027, nCino guided to 8% to 9% revenue growth, 10% ACV growth at the midpoint, and free cash flow of $132 million to $137 million.
Leadership move: nCino hired Keith Kittel as Chief Revenue Officer to help scale the global sales organization.
AI debate: Management pushed back on the idea that AI will replace SaaS in banking, arguing that regulated workflows, trust, compliance, and proprietary data make nCino more important, not less.
