nCino (NasdaqGS:NCNO) Q3 2026 Earnings Call December 03, 2025 04:30 PM ET Company ParticipantsGreg Orenstein - CFOKoji Ikeda - Director of Enterprise Software Equity ResearchSean Desmond - CEOHarrison Masters - VP of Investor RelationsJoe Vruwink - Managing DirectorRyan Tomasello - Managing DirectorAaron Kimson - VP of Software ResearchAdam Hotchkiss - VP of Equity ResearchMichael Infante - VP of Equity ResearchConnor Passarella - Equity Research AssociateConference Call ParticipantsKen Suchoski - Equity Re ...

nCino (NasdaqGS:NCNO) Q3 2026 Earnings Call December 03, 2025 04:30 PM ET Company ParticipantsGreg Orenstein - CFOKoji Ikeda - Director of Enterprise Software Equity ResearchSean Desmond - CEOHarrison Masters - VP of Investor RelationsJoe Vruwink - Managing DirectorRyan Tomasello - Managing DirectorAaron Kimson - VP of Software ResearchAdam Hotchkiss - VP of Equity ResearchMichael Infante - VP of Equity ResearchConnor Passarella - Equity Research AssociateConference Call ParticipantsKen Suchoski - Equity Re ...

nCino (NasdaqGS:NCNO) Q3 2026 Earnings Call December 03, 2025 04:30 PM ET Speaker1Good day, everyone, and welcome to nCino's third quarter fiscal 2026 earnings call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To participate, you will need to press star 11 on your telephone. You will then hear a message advising your hand is raised. To withdraw your question, simply press star 11 again. Please note this conference i ...

Total Revenues of $152.2M, up 10% year-over-year Subscription Revenues of $133.4M, up 11% year-over-yearGAAP Operating Margin of 8%, up over 800 basis points year-over-yearNon-GAAP Operating Margin of 26%, up 600 basis points year-over-year WILMINGTON, N.C., Dec. 03, 2025 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced financial results for the third quarter of fiscal year 2026, ended October 31, 2025. "I'm extremely proud ...

Core Insights - nCino, Inc. has launched "Digital Partners," a new feature within its platform aimed at enhancing human-centric AI capabilities for financial institutions, focusing on domain-specific intelligence to meet the unique needs of banking operations [1][2]. Group 1: Digital Partners Overview - Digital Partners are designed to support various roles within financial institutions, from C-suite executives to relationship managers, by providing contextually relevant assistance and operating alongside staff to create a "dual workforce" [2][6]. - The Digital Partners utilize a multi-layer architecture that combines foundational tools, specialized sub-agents, and orchestrated workflows, enabling role-specific intelligence through natural conversation [3][5]. Group 2: Role-Specific Digital Partners - Five specific Digital Partners have been introduced: - **Executive Digital Partner**: Provides strategic intelligence for C-suite decision-making, including market insights and personalized data science expertise [6]. - **Analyst Digital Partner**: Accelerates risk assessment and complex financial analysis for underwriters and credit analysts, utilizing peer-benchmarked intelligence [6]. - **Service Digital Partner**: Enhances customer relationship management, helping relationship managers identify cross-sell opportunities [6]. - **Processor Digital Partner**: Eliminates workflow bottlenecks by coordinating documentation and validating compliance [6]. - **Client Digital Partner**: Offers AI-enhanced self-service digital banking experiences directly to customers [7]. Group 3: Strategic Vision and Future Development - The introduction of Digital Partners reflects the next phase of nCino's AI strategy, building on the previously established Banking Advisor as a unified conversational experience [8]. - nCino aims to continuously evolve its technology and capabilities, allowing financial institutions to redirect talent towards higher-value work as the tools become more robust over time [8][9].

Core Insights - nCino, Inc. has launched "Digital Partners" within its platform to enhance banking operations by providing role-based AI agents that support decision-making and relationship building [1][2] Group 1: Digital Partners Overview - The Digital Partners are designed to address specific workflows and pain points for various users, including C-suite executives and relationship managers, by delivering contextually relevant assistance [2][3] - These agents operate alongside staff, creating a "dual workforce" that amplifies human capabilities rather than replacing them [2][3] - The Digital Partners are built on a multi-layer architecture that includes foundational tools and role-specific intelligence, accessible through nCino's conversational AI interface, Banking Advisor [3][4] Group 2: Specific Digital Partners - The five Digital Partners include: - Executive Digital Partner: Provides strategic intelligence for C-suite decision-making [4] - Analyst Digital Partner: Accelerates risk assessment and financial analysis for underwriters [4] - Service Digital Partner: Enhances relationship management for identifying cross-sell opportunities [4] - Processor Digital Partner: Eliminates workflow bottlenecks by coordinating documentation and compliance [4] - Client Digital Partner: Offers AI-enhanced self-service banking experiences directly to customers [3][4] Group 3: Future Developments - The deployment of Digital Partners will occur over the coming year, starting with the Analyst Digital Partner in November 2025 [5] - nCino aims to continuously evolve its technology and capabilities, allowing financial institutions to redirect talent toward higher-value work [3][5]