Business
nCino provides cloud software for banks and credit unions spanning lending, account opening, analytics and customer engagement.
nCino converted double-digit subscription growth into its first recent annual profit and higher free cash flow, while restructuring improved efficiency at the cost of workforce disruption.
The read at a glance✓ Audited against SEC data
- Growth — Revenue grew 10.0%OK
- Profitability — The company moved from a net loss of $37.878M to net income of $5.18MOK
- Cash flow — Free cash flow grew 54.7% to $82.564M from $53.383MOK
- Margins — Operating margin expanded 398 bps to 0.63%OK
- Accounting — Profit inflection with restructuring costsNote
- Insiders — 0 purchases and 40 salesWatch
Where the revenue comes from
Fiscal 2026, as nCino, Inc. reports it. History and quarterly detail are in the app.
- Subscriptions$523.1M
- Subscriptions - non-mortgage$334.0M
- Subscriptions - mortgage$79.6M
- Professional services and other$71.6M
Leadership changes
From nCino, Inc.'s own filings, the day they're filed.
- K. Justin Nyweide · appointmenteff. 2025-02-09
- Sean Desmond · Chief Executive Officer · appointmenteff. 2025-02-01
- Pierre Naud · Chief Executive Officer · departureeff. 2025-02-01
Latest filings
- 8-K · Company announcement2026-08-25
- 10-Q · Quarterly report2026-08-25
- 8-K · Company announcement2026-06-22
- 8-K · Company announcement2026-05-27
- 10-Q · Quarterly report2026-05-27
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about nCino, Inc., every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
14-day free trial, no credit card. For research purposes only; not investment advice.