nCino(NCNO) - 2026 Q1 - Earnings Call Presentation

Financial Performance - Q1 FY2026 - Total revenues reached $144.1 million, a 13% year-over-year increase[7] - Subscription revenues amounted to $125.61 million, reflecting a 14% year-over-year growth, with 9% being organic[7] - GAAP operating loss was ($1.5) million, an improvement of $2.1 million[7] - Non-GAAP operating income stood at $24.8 million, a 2% increase[7] Key Performance Indicators - Annual Contract Value (ACV) reached $516.4 million[10] - ACV year-over-year growth was 13%, with 8% being organic (9% organic in constant currency)[10] - ACV Net Retention Rate was 106%[10] - Subscription Revenues Net Retention Rate was 110%[10] Revenue Breakdown - Subscription revenues constituted 87% of total revenues in Q1 FY2026[13] - International subscription revenues accounted for 33% of total subscription revenues in Q1 FY26[19] Financial Outlook for FY2026 - Total revenues are projected to be between $578.5 and $582.5 million[35] - Subscription revenues are expected to range from $507.0 to $511.0 million[35] - Non-GAAP operating income is guided to be between $112.0 and $116.0 million[35] - Annual Contract Value (ACV) is projected to be between $564.0 and $567.0 million, including approximately $4.5 million from the acquisition of Sandbox Banking[35]