---
schema_version: "secwatch.filing_event.v1"
accession: "0001902733-26-000019"
form_type: "8-K"
ticker: "NCNO"
cik: "0001902733"
company_name: "nCino, Inc."
filed_at: "2026-03-31T23:59:59+00:00"
generated_at: "2026-05-15T08:14:55.126245+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# nCino beats Q4 FY2026 guidance; rev $149.7M, GAAP EPS $0.07, announces $100M ASR, $200M term loan

## Summary
- Q4 total revenue $149.7M (+6% YoY); subscription revenue $133.4M (+7%); GAAP net income $8.3M vs loss of $(18.6M) YoY.
- Non-GAAP EPS $0.37 vs $0.19 YoY; Non-GAAP operating income $34.7M (+42%); FY2026 ACV $602.4M (+17%).
- FY2027 guidance: total revenue $639-643M, Non-GAAP op income $165-170M, Free Cash Flow $132-137M, ACV $662.5-667.5M.
- Board authorized $100M accelerated share repurchase (ASR) with Wells Fargo; $75M remains under prior repurchase authorization.
- Amended credit facility adds $200M term loan A to fund ASR and reduce revolver balance; loan matures Oct 2029, quarterly principal payments $2.5M.

## SEC filing metadata
- accession: 0001902733-26-000019
- form_type: 8-K
- ticker: NCNO
- cik: 0001902733
- company_name: nCino, Inc.
- filed_at: 2026-03-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 1.01, 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1902733/000190273326000019/0001902733-26-000019-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1902733/000190273326000019/ncno-20260330.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001902733-26-000019
- JSON: https://secwatch.observer/filing/0001902733-26-000019.json
- Plain text: https://secwatch.observer/filing/0001902733-26-000019.txt

## Key facts
- Earnings Releases
  nCino, Inc. reported financial results for the fourth quarter and fiscal year ended January 31, 2026.
  - Period: the fourth quarter and fiscal year ended January 31, 2026
  - Result: reported results
  source text: On March 31, 2026, the Company issued a press release announcing its financial results for its fourth quarter and fiscal year ended January 31, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1902733/000190273326000019/0001902733-26-000019-index.htm
- Material Agreements
  nCino, Inc. amended Incremental Facility Amendment (the "First Amendment") with the lenders party thereto and Bank of America, N.A., as administrative agent valued at $200 million (effective 2026-03-30).
  - Action: amendment
  - Agreement: credit facility
  - Counterparty: the lenders party thereto and Bank of America, N.A., as administrative agent
  - Value: $200 million
  - Effective: 2026-03-30
  source text: On March 30, 2026, nCino, Inc. (the “Company”) entered into an Incremental Facility Amendment (the “First Amendment”) to that certain Credit Agreement, dated as of October 28, 2024 (the “Credit Agreement”), by and among the Company, nCino OpCo, Inc. (the “Borrower”), certain subsidiaries of the Company as guarantors, the lenders party thereto (the “Lenders”) and Bank of America, N.A., as administrative agent (the “Agent”), pursuant to which the Lenders are providing to the Borrower a senior secured incremental term loan of $200 million (the “Term Loan”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1902733/000190273326000019/0001902733-26-000019-index.htm
- Material Agreements
  nCino, Inc. entered into accelerated share repurchase agreement (the "ASR Agreement") with Wells Fargo Bank, National Association valued at $100 million (effective 2026-03-31).
  - Action: entry
  - Agreement: equity purchase
  - Counterparty: Wells Fargo Bank, National Association
  - Value: $100 million
  - Effective: 2026-03-31
  source text: On March 31, 2026, the Company entered into an accelerated share repurchase agreement (the “ASR Agreement”) with Wells Fargo Bank, National Association (“Wells Fargo”) under which the Company will purchase $100 million of its own outstanding common stock, par value $0.0005 per share (the “Common Stock”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1902733/000190273326000019/0001902733-26-000019-index.htm

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