Core Viewpoint - nCino, Inc. is set to report its financial results for the third quarter of fiscal year 2026 on December 3, 2025, and will host a conference call to discuss these results [1][2]. Company Overview - nCino is a leading provider of intelligent banking solutions, aimed at helping financial institutions digitize and improve their business processes to enhance efficiency and customer experience [3]. - The company serves over 2,700 customers globally, including community banks, credit unions, independent mortgage banks, and major financial entities [3]. - nCino integrates artificial intelligence and actionable insights into its platform, assisting financial institutions in consolidating legacy systems, improving risk management, and enhancing customer satisfaction [3].

Financial Performance - Q3 2025 - Revenue increased by 2% year-over-year (YoY)[9], reaching $945.2 million[73] - Adjusted Earnings Per Share (EPS) increased to $1.39, a YoY increase of more than $1[9] - The company achieved a strong operating margin of 9.2%[37] - Adjusted EBITDA margin improved to 12.9%, a 20 bps YoY increase and a 70 bps sequential increase[41, 47] - The company reported positive free cash flow for the fourth consecutive quarter[9], with $24.5 million in Q3 2025[82] Business Segments - Retail revenue increased by 8% YoY[9] - Banking segment revenue reached $690 million[49], with sequential growth of 1.6%[49] - Retail segment revenue reached $255 million[54], with sequential growth of 5.2%[54] Future Outlook and Strategy - The company reaffirmed its 2025 guidance, projecting adjusted EBITDA between $470 million and $490 million[58] - The company expects to nearly double full-year free cash flow YoY, targeting a 40%+ free cash flow conversion[58] - A new $200 million share repurchase authorization was announced[9, 60] - The company is targeting mid-single digit annual revenue growth rate by 2027[16] - The company is targeting adjusted EBITDA margins of approximately 15% by 2027[16]

Core Insights - Jack Henry & Associates experienced a 21% increase in first-quarter profit, driven by strong demand for its banking technology services [1] Company Summary - The company reported a significant profit growth of approximately 21% in the first quarter [1] - The increase in profit is attributed to resilient demand for its banking technology services [1]

Core Insights - Temenos has been certified as a Great Place to Work in 15 locations globally in 2025, expanding from 10 countries earlier this year [1][2] - The certification reflects positive employee feedback, indicating a strong workplace culture and employee experience [2][3] Company Expansion and Recognition - The recent certification includes five new locations: United States, India, Ecuador, Hong Kong, and Taiwan [1] - In the US, the recognition follows the strategic expansion of Temenos' workforce and the establishment of an Innovation Hub in Central Florida [3] Employee Engagement and Culture - Temenos emphasizes a culture of empowerment and accountability, which is crucial for its success [3] - The company has been recognized in India for the second consecutive year, highlighting its investment in local culture and employee engagement [4] Employee Experience Initiatives - Temenos prioritizes employee experience through flexible working policies, inclusive leadership programs, and a focus on diversity and wellbeing [5] - These initiatives contribute to a supportive environment where employees feel valued and inspired [5] Job Market Insights - Research indicates that job seekers are significantly more likely to find great management and experience job satisfaction at Great Place to Work-certified companies [6]

Core Insights - Temenos has been recognized as a Leader in the IDC MarketScape for Worldwide Wealth Management Technology Services for Investment Advisors 2025, highlighting its strengths in integrated wealth offerings and compliance expertise [1][2] Company Overview - Temenos provides a comprehensive wealth management solution that integrates all necessary components within a single architecture, allowing for seamless operations between client relationship management and core accounting [3] - The Temenos Wealth platform is noted for its deep portfolio management functionality, global regulatory coverage, and capability to support complex private banking operations at scale [3] Product Features - Temenos Wealth offers an end-to-end solution that encompasses digital banking, customer relationship management, portfolio management, back-office processing, market data management, and analytics [3] - The platform is available for deployment on-premises, in the cloud, or as Software as a Service (SaaS), enabling financial institutions to enhance efficiency and deliver personalized services [4] Market Position - The recognition by IDC reflects Temenos' commitment to innovation and client-centric flexibility, particularly in addressing the evolving demands of wealth managers and regulatory environments [3] - Temenos aims to assist wealth managers in managing intergenerational wealth transfer and targeting mass affluent clients, reinforcing its position in the wealth management technology sector [3]

Core Insights - Temenos launched an AI-powered platform called Temenos Money Movement & Management to enhance payments and account services for financial institutions, enabling faster, more reliable, and cost-effective money movement [1][2][4] Group 1: Product Features and Benefits - The platform integrates payments, accounts, risk, and treasury modules, addressing the complexities and compliance demands faced by financial institutions [1][2] - AI-powered services such as automated payment repair, fraud detection, and copilot tools are included to minimize manual intervention and improve straight-through processing [2] - Built-in integration accelerators facilitate rapid onboarding of digital wallets and alternative payment networks like Wise, Thunes, Mastercard Move, Visa Direct, and Standard Chartered Scale [3] Group 2: Market Position and Adoption - Temenos Money Movement & Management is designed for banks, electronic money institutions (EMIs), and payment service providers (PSPs) involved in cross-border and domestic money movement [4] - The platform has been successfully adopted by FINCI, an EMI, which went live in just four months, highlighting its scalability and efficiency [4][5] - The solution is ISO 20022 and Open Banking ready, available globally as SaaS, or for deployment in cloud, on-premises, and hybrid environments [5]

Core Insights - Temenos has been recognized as a Great Place To Work in 10 countries, with 84% of employees affirming it is a great workplace [1][3] - Temenos France achieved 17th place in the Best Workplaces France 2025 and was included in the Great Place to Work® in Tech list [2] - The company emphasizes employee experience through various initiatives, including flexible working practices and mental health support [3][4] Employee Feedback and Recognition - 84% of employees across 10 countries believe Temenos is a great place to work, highlighting strong employee satisfaction [1] - Temenos France's recognition in the Best Workplaces France 2025 reflects the company's commitment to workplace culture [2] Company Initiatives - Temenos prioritizes employee experience with initiatives such as caregiver leave, mental health recharge days, and flexible hybrid working arrangements [3] - The company aims to create a culture of empowerment and accountability to attract and retain top talent [3] Industry Context - Great Place To Work research indicates that job seekers are 4.5 times more likely to find a great boss at a certified workplace, and employees at these workplaces are 93% more likely to look forward to work [5] - Temenos is positioned as a leader in banking technology, providing adaptable solutions for banks of all sizes [5]

Core Insights - Diebold Nixdorf has selected Oracle Fusion Cloud Service and Oracle Fusion Cloud Field Service to optimize its global service operations, leveraging AI to enhance efficiency and customer satisfaction [1][2][3] Company Overview - Diebold Nixdorf is a leading provider of services, software, hardware, and security for top financial institutions and retailers globally, aiming to unify and automate its service processes to meet the needs of its expanding customer base [2][6] - The company operates in over 100 countries and employs approximately 21,000 people, connecting digital and physical channels for millions of consumers daily [6] Technology Implementation - The integration of Oracle Cloud Service and Oracle Cloud Field Service is expected to automate complex service workflows, enable predictive maintenance, and improve the scheduling and routing of mobile workers [3][4] - With embedded AI, the new cloud applications will help manage millions of service tickets annually, leading to faster resolution times and reduced operational costs [3][4] Strategic Partnership - Diebold Nixdorf has been collaborating with Oracle since March 2024, building on previous successes in streamlining finance and HR processes with Oracle Fusion Applications [5][3] - The partnership aims to create a more efficient service delivery framework, standardizing processes and optimizing field operations through the latest AI innovations [4][3]

Core Insights - nCino, Inc. will report its financial results for the second quarter ended July 31, 2025, on August 26, 2025, after market close [1] - A conference call and webcast will be held on the same day at 4:30 p.m. ET to discuss these results [2] Company Overview - nCino is a leading provider of intelligent banking solutions, aimed at helping financial institutions digitize and improve business processes [3] - The company serves over 2,700 customers globally, including community banks, credit unions, independent mortgage banks, and major financial entities [3] - nCino integrates artificial intelligence and actionable insights into its platform to enhance decision-making, risk management, and customer satisfaction [3]

Core Insights - Diebold Nixdorf is participating as one of 70 contributors in the European Central Bank's innovation platform to explore digital euro payment functionalities and use cases [1][2] - The digital euro aims to be a universally accepted form of digital cash in the European Union, complementing existing payment methods [2] - Diebold Nixdorf's Vynamic® Transaction Middleware will integrate with digital euro interfaces, allowing banks to support new services efficiently [3][4] Company Involvement - Diebold Nixdorf is collaborating with the ECB to enhance the digital euro ecosystem, benefiting both banks and customers [2][4] - The company aims to assist banking customers in offering the digital euro as a new payment method in the future [4] - Diebold Nixdorf has a global presence, serving top financial institutions and retailers, and employs approximately 21,000 people worldwide [5]