---
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"
generated_at: "2026-06-07T20:32:38.955132+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# nCino Q3 FY2024 revenue $121.9M (+16% YoY); non-GAAP EPS $0.14, beats prior year loss

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001902733-23-000077
- JSON: https://secwatch.observer/filing/0001902733-23-000077.json
- Plain text: https://secwatch.observer/filing/0001902733-23-000077.txt

## Key facts
- Earnings Releases
  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.
  - Period: third quarter of fiscal year 2024, ended October 31, 2023
  - 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
  - Result: reported results
  source text: nCino Reports Third Quarter Fiscal Year 2024 Financial Results • Total Revenues of $121.9M, up 16% year-over-year
  evidence_url: https://www.sec.gov/Archives/edgar/data/1902733/000190273323000077/0001902733-23-000077-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.