secwatch.observer — SEC 8-K summary
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Issuer:     nCino, Inc. (NCNO)
CIK:        0001902733
Form:       8-K
Filed at:   2026-03-31T23:59:59+00:00
Accession:  0001902733-26-000019
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 1.01, 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1902733/000190273326000019/0001902733-26-000019-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1902733/000190273326000019/ncno-20260330.htm
  HTML page:      https://secwatch.observer/filing/0001902733-26-000019

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