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Oct 31, 2025
nCino Q3 2026 Earnings Report
nCino posted strong Q3 results with revenue and net income growth, alongside expanded AI offerings and major global customer wins.
Key Takeaways
nCino delivered a solid Q3 FY2026, achieving $152.2M in revenue and $6.5M in net income. Growth was fueled by increased subscription revenue and strong operating margins, while AI product expansion and international customer wins supported future momentum.
Revenue grew to $152.2M, driven by an 11% rise in subscription revenue
GAAP net income reached $6.5M, a turnaround from a loss in the prior year
Non-GAAP operating margin expanded to 26%
Strong international and enterprise customer wins bolster future outlook
Revenue by Segment
Forward Guidance
nCino expects modest sequential revenue decline in Q4 but remains confident in full-year targets with strong non-GAAP profitability.
Positive Outlook
- Q4 revenue expected between $146.75M and $148.25M
- Subscription revenue guidance between $130.75M and $132.25M
- Non-GAAP operating income expected between $32.5M and $33.5M
- Non-GAAP EPS guidance of $0.21 to $0.22 for Q4
- Full-year revenue guidance reaffirmed at $591.9M–$593.4M
Challenges Ahead
- Sequential revenue decline expected in Q4
- Cash balance decreased to $87.9M
- Outstanding credit facility balance increased to $203.5M
- Continued investment required for AI and global expansion
- Repurchase of $100M in stock may reduce available capital for growth
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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