NASDAQ$NCNO
nCino Inc. · Q3 2025 earnings
Q3 2025 earnings · · Investor relations
Briefing
nCino reported strong third quarter fiscal year 2025 financial results, exceeding expectations for both revenues and non-GAAP operating income.
nCino, a leading provider of banking solutions, announced robust third quarter fiscal year 2025 results, with total revenues reaching $138.8 million, a 14% increase year-over-year, and non-GAAP operating income of $28.0 million, up 38%. The company also reported significant growth in subscription revenues and improved GAAP operating margins.
- Total revenues increased by 14% year-over-year to $138.8 million.
- Subscription revenues grew by 14% year-over-year to $119.9 million.
- Non-GAAP operating income rose by 38% to $28.0 million, with the margin improving by approximately 350 basis points.
- GAAP operating margin improved significantly, up approximately 1,000 basis points year-over-year to (1)%.
- The company secured over 30 multi-solution deals and increased gross bookings from net new customers.
Headline financials
Revenue & EPS history
nCino · Revenue · Quarterly
$139M
Revenue by segment
nCino · $124M total across 2 segments · Q4 2024
- Subscription$107M—86.9%
- Professional Services$16.2M—13.1%
Forward guidance
nCino provided guidance for its fourth quarter and full fiscal year 2025, projecting continued revenue growth and strong non-GAAP operating income.
Tailwinds
- Fourth quarter total revenue guidance of $139.5 million to $141.5 million.
- Fourth quarter subscription revenue guidance of $122.5 million to $124.5 million.
- Fourth quarter non-GAAP operating income guidance of $23.25 million to $24.25 million.
- Fourth quarter non-GAAP net income per diluted share guidance of $0.18 to $0.19.
- Fiscal year 2025 total revenue guidance of $539.0 million to $541.0 million.
- Fiscal year 2025 subscription revenue guidance of $467.0 million to $469.0 million.
- Fiscal year 2025 non-GAAP operating income guidance of $95.0 million to $96.0 million.
- Fiscal year 2025 non-GAAP net income per diluted share guidance of $0.75 to $0.76.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 13 quarterly earnings reports · overlaid with Q3 2025
-0.0%
Avg return
Earnings day
+1.2%
Avg return
5 days after
+2.4%
Avg return
30 days after
33%
5 / 15 earnings
Positive
+13.9%
Q2 2026
Best reaction
-6.9%
Q2 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q4 2026 | +0.0% | -4.0% | — | |
| Q1 2027 | +4.6% | +9.6% | — | |
| Q3 2026 | -4.8% | -2.8% | -3.6% | |
| Q2 2026 | +13.9% | +11.9% | -2.5% | |
| Q1 2026 | -1.7% | +1.8% | +3.3% | |
| Q3 2025 | -2.8% | -2.2% | +9.4% | |
| Q2 2025 | -0.3% | -6.5% | -8.8% | |
| Q1 2025 | -1.0% | +2.6% | +2.3% | |
| Q4 2024 | -3.5% | -6.1% | -7.9% | |
| Q3 2024 | +0.8% | -1.6% | +13.1% | |
| Q3 2023 | +1.9% | +7.2% | +0.2% | |
| Q2 2024 | +1.9% | +14.0% | +9.3% | |
| Q1 2024 | -0.3% | -12.9% | +9.2% | |
| Q2 2023 | -6.9% | -0.0% | +8.1% | |
| Q1 2023 | -2.0% | +6.4% | -1.4% |
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