nCino, Inc. (NCNO) Earnings: Q2 Fiscal 2027 Results and Next Report Date

The quarter ended July 31, 2026 and nCino published the results on August 25, 2026. Revenue and diluted EPS are shown against Q2 fiscal 2026, the same quarter a year earlier, which takes seasonal swings out of the comparison.

• nCino's fiscal year ends January 31, so Q2 fiscal 2027 is the quarter ended July 31, 2026. It reports in thousands of dollars; figures here are converted to millions. Its release prints the prior-year column first.
• nCino reports no adjusted EPS; its non-GAAP measures are operating income, operating margin and free cash flow. EPS here is net income attributable to nCino, Inc. per diluted share, after amounts attributable to the redeemable non-controlling interest in nCino K.K., its Japanese venture.

Source: nCino Q2 fiscal 2027 results, August 25, 2026. Also in the Form 10-Q for the quarter ended July 31, 2026. Figures as reported; checked against the release on November 10, 2026.

How nCino splits revenue in its own release, under its own labels, for Q2 fiscal 2027 against Q2 fiscal 2026. Indented lines are parts of the line above them.

• nCino's Subscription revenue was $143 million in Q2 fiscal 2027, up 10% from $131 million in Q2 fiscal 2026, 89% of total revenue.
• nCino's Professional services and other revenue was $17.5 million in Q2 fiscal 2027, down 3% from $18.1 million in Q2 fiscal 2026, 11% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

From the earnings release

The first two lines are nCino's guidance for Q3 fiscal 2027, the quarter ending October 31, 2026; the last two are for fiscal 2027, ending January 31, 2027.

In its Q2 fiscal 2027 release, nCino said:

“Total revenues between $161.25 million and $163.25 million.”

“Non-GAAP operating income between $42.0 million and $44.0 million.”

“Total revenues between $644.0 million and $647.0 million.”

“Annual Contract Value (ACV) at period end between $662.5 million and $667.5 million.”

Source: nCino Q2 FY27 release, Aug 25, 2026.

This is the company's own guidance as of Aug 25, 2026, quoted as given. Walnut does not make forecasts of its own. Analyst estimates for the coming quarters are on the NCNO forecast page.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

GAAP total revenues and diluted net income (loss) per share attributable to nCino, Inc., each as first reported in that quarter's release.

nCino's next report is expected around December 2, 2026, a date estimated from its reporting history that the company has not yet confirmed. This page will show Q2 fiscal 2027 until those results are out and have been checked against the release.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q2 fiscal 2027 (this page), reported Aug 25, 2026

nCino sells cloud software to banks, credit unions and independent mortgage banks, more than 2,700 customers worldwide. Subscription revenues were $143.5 million of its $161.0 million of Q2 fiscal 2027 total revenues, 89.1%, against 87.9% a year earlier. Professional services and other revenues were $17.5 million. (nCino Q2 FY27 release, Aug 25, 2026; nCino Form 10-Q, Q2 FY27, Aug 25, 2026)

Subscription revenues rose $12.7 million. nCino attributed 65.9% of the increase to existing customers expanding their use of its solutions and 34.1% to customers that began contributing after July 31, 2025. Professional services and other revenues fell $0.5 million, which nCino put down to the mix of solutions being implemented. (nCino Form 10-Q, Q2 FY27, Aug 25, 2026)

The United States brought in $124.6 million of revenue and international markets $36.4 million. nCino breaks out U.S. mortgage separately: U.S. mortgage subscription revenue was $20.6 million, slightly below $20.9 million a year earlier, while U.S. non-mortgage subscription grew to $91.9 million from $82.5 million and international subscription to $30.9 million from $27.4 million. (nCino Form 10-Q, Q2 FY27, Aug 25, 2026)

Remaining performance obligations were $1.4 billion at July 31, 2026, and nCino expects to recognize approximately 65% of them as revenue in the next 24 months. In the quarter it renewed four U.S. enterprise customers with over $900 billion in combined assets, all ahead of schedule. (nCino Form 10-Q, Q2 FY27, Aug 25, 2026; nCino Q2 FY27 release, Aug 25, 2026)

nCino swung to GAAP net income attributable to nCino, Inc. of $5.1 million, or $0.05 per diluted share, from a loss of $0.13 a year earlier. The year-ago quarter carried $10.1 million of restructuring charges, and the GAAP operating margin rose to 8% from negative 6%. Gross margin improved to 63% from 59%. (nCino Q2 FY27 release, Aug 25, 2026)

nCino does not report adjusted EPS. Its non-GAAP operating income of $40.8 million, a 25% margin, adds back stock-based compensation of $18.0 million, amortization of intangible assets of $8.8 million and transaction-related expenses of $433 thousand. (nCino Q2 FY27 release, Aug 25, 2026)

Buybacks cut nCino's share count sharply. Diluted weighted average shares were 105,361,192, against 115,256,497 a year earlier. In the quarter nCino bought about 4.2 million shares in the open market at an average $15.41 for about $65 million, finalized a $100 million accelerated share repurchase of about 6.0 million shares, and authorized a further $100 million program. (nCino Q2 FY27 release, Aug 25, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

nCino gives quarterly and full-year guidance in its release. For Q3 fiscal 2027, the quarter ending October 31, 2026, it guided total revenues of $161.25 million to $163.25 million, subscription revenues of $143.25 million to $145.25 million and non-GAAP operating income of $42.0 million to $44.0 million. (nCino Q2 FY27 release, Aug 25, 2026)

For fiscal 2027 nCino guided total revenues of $644.0 million to $647.0 million, free cash flow of $137.0 million to $142.0 million and Annual Contract Value at year end of $662.5 million to $667.5 million. It gives no GAAP EPS guidance. (nCino Q2 FY27 release, Aug 25, 2026)

A consensus figure is the average of the models published by the analysts who cover nCino, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones nCino's own release and filings put weight on for Q2 fiscal 2027, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning NCNO is on is NCNO a buy or a sell?, what analysts expect next is on the NCNO forecast, and what the company does is on the nCino, Inc. (NCNO) stock page.

Every number on this page can be traced to a document nCino published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.