nCino Inc (Nasdaq: NCNO) Q2 2025 Earnings Call | 08/27/2025

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nCino Inc. reported strong financial results for Q2 fiscal 2026, with total revenues reaching $148.8 million, representing a 12% year-over-year growth. Subscription revenues grew 15% to $130.8 million, driven by rising demand for its cloud-native banking solutions. Non-GAAP operating income increased significantly to $30.0 million, a 56% jump from the prior year, while non-GAAP earnings per share rose 69% to $0.22, surpassing analyst expectations. GAAP net loss attributable to nCino was $15.3 million, reflecting ongoing investments in growth. During the quarter, nCino strengthened relationships with multiple top-tier North American banks, secured its first customer in Spain, expanded its presence with a British challenger bank, and signed a major home builder for its nCino Mortgage solution, supporting nationwide growth. Free cash flow improved 174% to $12.6 million. The company raised its full-year revenue guidance to a midpoint of $587 million and adjusted EPS guidance to $0.77–$0.80, reflecting confidence in its AI-driven banking platform and international expansion. Risks include macroeconomic headwinds and competitive pressures, but management remains focused on innovation and long-term growth opportunities. About Inside Ticker: Inside Ticker provides timely financial news and detailed earnings summaries for investors and market professionals. Visit www.insideticker.com. #nCino #NCNO #Q22025 #Earnings #FinancialResults #Revenue #SubscriptionRevenue #EPS #CloudBanking #AI #Fintech #FinancialTechnology #BankingSoftware #SaaS #Growth #NorthAmerica #Europe #MortgageTech #InvestorRelations #EarningsCall #BusinessUpdate #Q225 #StockMarket #NASDAQ #EarningsSummary #FinancialNews #InsideTicker #EarningsRelease #InvestorUpdate