{"schema_version":"secwatch.filing_event.v1","accession":"0001902733-23-000077","form_type":"8-K","ticker":"NCNO","cik":"0001902733","company_name":"nCino, Inc.","filed_at":"2023-11-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.360866+00:00","generated_at":"2026-06-07T20:32:38.955132+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"nCino Q3 FY2024 revenue $121.9M (+16% YoY); non-GAAP EPS $0.14, beats prior year loss","bullets":["Subscription revenue $104.8M, up 19% YoY; GAAP operating margin improved to (11)% from (18)%.","Non-GAAP operating margin 17% vs 2.5% a year ago; non-GAAP net income $16.2M vs ($1.4M) loss.","GAAP net loss $(0.15)/share includes $0.09/share accelerated amortization for SimpleNexus rebrand.","Signed first enterprise Consumer lending deal with $200B U.S. bank; Yamaguchi Financial Group ($150B) as largest Japan customer.","Q4 guidance: total revenue $123.5-125.5M, non-GAAP EPS $0.11-0.13; FY2024 rev $476.5-478.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0001902733-23-000077","json":"https://secwatch.observer/filing/0001902733-23-000077.json","markdown":"https://secwatch.observer/filing/0001902733-23-000077.md","text":"https://secwatch.observer/filing/0001902733-23-000077.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1902733/000190273323000077/0001902733-23-000077-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1902733/000190273323000077/ncno-20231129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-07T20:32:38.955132+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"39a1ad43b3507d37072aa9c9e334b4b77b50cac9","claim":"nCino, Inc. reported third quarter of fiscal year 2024, ended October 31, 2023 results: revenue Total Revenues of $121.9M, net income GAAP net loss attributable to nCino in the third quarter of fiscal 2024 was $(16.4) million, EPS GAAP net loss attributable to nCino in the third quarter of fiscal 2024 was $(0.15) per basic and diluted share. Guidance reaffirmed.","evidence_excerpt":"nCino Reports Third Quarter Fiscal Year 2024 Financial Results • Total Revenues of $121.9M, up 16% year-over-year","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1902733/000190273323000077/0001902733-23-000077-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of fiscal year 2024, ended October 31, 2023"},{"label":"Revenue","value":"Total Revenues of $121.9M"},{"label":"Net income","value":"GAAP net loss attributable to nCino in the third quarter of fiscal 2024 was $(16.4) million"},{"label":"EPS","value":"GAAP net loss attributable to nCino in the third quarter of fiscal 2024 was $(0.15) per basic and diluted share"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}