nCino (NCNO) Q4 2026 Earnings Call Transcript

Image source: The Motley Fool.

Mar. 31, 2026 astatine 4:30 p.m. ET

• Chief Executive Officer — Sean Desmond

• Chief Financial Officer — Gregory D. Orenstein

Need a punctuation from a Motley Fool analyst? Email [email protected]

Sean Desmond: Thank you, Harrison, and convey you each for joining america today. I privation to commencement by saying however arrogant I americium of the full nCino squad for the results we achieved successful fiscal '26 and particularly successful the 4th quarter. We exceeded our fiscal guidance crossed each cardinal metric and delivered an exceptional ACV result, up 17% year-over-year, which we judge was mostly driven by customers embracing our AI strategy and merchandise innovation. The squad executed incredibly well, and we're seeing the momentum successful the marketplace arsenic much prospects are engaging with and choosing nCino and existing customers are expanding and deepening their commitments with us, successful ample portion due to the fact that of however we are embedding AI passim the nCino platform.

I'll get into the details shortly, but with implicit 170 customers of each sizes, including global, enterprise, determination and assemblage banks and recognition unions having already purchased AI quality units arsenic of the extremity of fiscal '26, we judge nCino is rapidly becoming the de facto AI level for fiscal institutions crossed the globe. For those of you conscionable getting acquainted with our story, nCino plays a mission-critical relation for our customers and the planetary fiscal services market.

Financial institutions volition proceed to conflict with bequest fragmented systems that bounds growth, hinder fiscal performance, restrict their quality to leverage information arsenic a competitory vantage and make mediocre idiosyncratic experiences. nCino solves these problems with AI-powered intelligent automation connected a unified, scalable platform. We are the lone level for managing lending, onboarding, relationship opening and portfolio absorption crossed each large lines of concern for fiscal institutions crossed the globe. This is wherefore the nCino level serves arsenic a strategy of grounds for the astir captious operations of banks, recognition unions and IMBs of each sizes successful present implicit 25 countries.

Throughout fiscal '26, I talked astir the assurance I had successful our team, our exertion and strategy and our market-leading position. I besides said the instauration was successful spot and that our fiscal '26 show would travel down to execution, including against our AI strategy. This past year's results lone fortify my condemnation astir what's up for nCino arsenic we locomotion hand-in-hand with our customers into a caller epoch of AI wherever data, context, guardrails, security, spot and a heavy knowing of however fiscal institutions run substance much than ever. As banks further clasp automation and deliberation astir utilizing AI arsenic an accelerant to bash this, they're choosing nCino due to the fact that nCino is their process.