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Q3: 2025-12-03 Earnings Summary
EPS of $0.31 beats by $0.10
| Revenue of $152.16M (9.63% Y/Y) beats by $4.85M
nCino, Inc. (NCNO) Raymond James TMT & Consumer Conference December 9, 2025 11:20 AM EST
Company Participants
Gregory D. Orenstein – CFO & Treasurer
Conference Call Participants
Alexander Sklar – Raymond James & Associates, Inc., Research Division
Presentation
Alexander Sklar
Raymond James & Associates, Inc., Research Division
All right. Good morning, everyone. My name is Alex Sklar. I’m one of the application software analysts here at Raymond James. Very pleased to have nCino with us again this year. We’ve got Greg Orenstein, Chief Financial Officer. We also have Katie summing in the audience, who is the VP of FP&A, if you have any questions after. We’re going to do a fireside chat. If there’s time at the end, I’ll open up to the audience for questions. But Greg, thanks for joining us.
Gregory D. Orenstein
CFO & Treasurer
Always good to see you, Alex.
Question-and-Answer Session
Alexander Sklar
Raymond James & Associates, Inc., Research Division
So maybe just to get us started, background on nCino. How do you serve financial institutions? What are the key value propositions of the nCino platform?
Gregory D. Orenstein
CFO & Treasurer
We focus on 4 main things, right? Lending, any type of lending, whether it’s commercial, consumer, small business or mortgage; account opening; onboarding of customers; and then portfolio monitoring. And we do that all on a platform, a single unique platform across the financial institution.
Same platform serves community banks here in the U.S. all the way up to Bank of America and Wells Fargo, which we’re pleased to have as customers. Same one travels internationally, folks like Barclays in the U.K., Macquarie in Australia. Approximately 21% of our revenues — subscription revenues last quarter were outside of the United States. And so we’re able to grow with the financial institution throughout their life cycle.
Read the full article here
