Q4 2026 nCino Inc Earnings Call Transcript
Key Points
- Ncino Inc (NCNO) exceeded its financial guidance across all key metrics, with a 17% year-over-year increase in Annual Contract Value (ACV).
- The company has successfully embedded AI throughout its platform, leading to increased customer engagement and expansion.
- Ncino Inc (NCNO) reported its best sales quarter in over four years in the US enterprise market, including significant expansions with top banks.
- The company has seen strong momentum in international markets, particularly in EMEA and Japan, with significant customer wins.
- Ncino Inc (NCNO) has transitioned 38% of its ACV to a new platform pricing model, which is expected to drive future revenue growth.
- International total revenues decreased by 1% year over year in the fourth quarter, with a 6% decline in constant currency.
- Professional services revenues decreased by 1% year over year in the fourth quarter, remaining flat for the full year.
- The company faces challenges in predicting the timing and size of large deals, which can impact ACV guidance.
- There is a potential risk of AI commoditizing the application layer, which could affect Ncino Inc (NCNO)'s differentiation.
- The transition to platform pricing may face resistance from customers who are accustomed to the old seat-based pricing model.
Good day, and thank you for standing by. Welcome to the nCino fourth-quarter and fiscal year 2026 financial results conference call. (Operator Instructions) Please be advised that today's conference is being recorded. (Operator Instructions)
I would now like to hand the conference over to your speaker today, Harrison Masters, Vice President of Investor Relations.
Good afternoon, and welcome to nCino's fourth-quarter and fiscal year 2026 earnings call. With me on today's call are Sean Desmond, nCino's Chief Executive Officer; and Greg Orenstein, nCino's Chief Financial Officer.
During the course of this conference call, we will make forward-looking statements regarding trends, strategies and the anticipated performance of our business. These forward-looking statements are based on management's current views and expectations, entail certain assumptions made as of today's date, and are subject to various risks and uncertainties described in our SEC filings and other publicly available documents,
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