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nCino (NCNO) investor relations material
nCino Piper Sandler 4th Annual Growth Frontiers Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Piper Sandler 4th Annual Growth Frontiers Conference summary11 Sep, 2025
Strategic growth and market positioning
Focused on doubling ARR to $1 billion by leveraging a broad, mature product portfolio and global presence.
AI and cloud banking are seen as key inflection points, positioning the company as a leader in AI banking.
Commercial banking remains a core strength, with 50% logo share among top 30 U.S. banks and ongoing expansion opportunities.
New logo growth is targeted both in the U.S. and internationally, with recent entries into new markets like Spain.
Cross-selling across commercial, consumer, mortgage, and small business segments is a major lever for expansion.
Product innovation and AI strategy
AI-driven Banking Advisor automates tasks like data validation and credit memo narratives, significantly improving efficiency.
AI capabilities are integrated into the platform, with usage-based pricing and operational analytics to demonstrate customer ROI.
The company is expanding its AI skills rapidly, aiming for seamless integration into the software stack.
Co-development with customers is encouraged, especially for larger banks with resources to build custom solutions.
The unique data asset from customer operations is highlighted as an underappreciated growth driver.
Business model and pricing transformation
Transitioned from seat-based to asset-based pricing, effective February 1, to better align with customer efficiency gains.
Asset-based pricing simplifies expansion and cross-sell, with contracts averaging four years and 21% of the base already transitioned.
Early renewals are incentivized by access to AI features, accelerating the shift to the new model.
The new model is familiar to customers and streamlines procurement for additional products.
What are key drivers for $1B ARR goal?
How to achieve 80%+ commercial market share?
How does new pricing impact growth/expansion?
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Next nCino earnings date
Q3 20263 Dec, 2025
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Frequently asked questions
Bank Operating System
nCino is an American Fintech company specializing in cloud-based banking solutions and offers a Bank Operating System built on the Salesforce platform. This system integrates various functions such as customer relationship management (CRM), loan origination, deposit account opening, workflow, enterprise content management, and instant reporting capabilities. Its client base includes a range of financial institutions, from community banks to large-scale global banks. nCino is headquartered in Wilmington, North Carolina, and its shares are traded on the Nasdaq.
Founded as a Subsidiary
nCino was established in 2012 as a majority-owned subsidiary of Live Oak Bancshares but is today traded as an independent public company. The company emerged from the need for a more efficient, cloud-based banking technology to handle the increasing complexity and regulatory demands in the financial sector as it continued to digitalize. nCino developed its Bank Operating System, which quickly gained traction for its ability to integrate various banking processes. Over the years nCino has expanded its client base, serving a range of financial institutions from small community banks to large, international banks.
Cloud-Based Fintech
nCino provides a comprehensive suite of cloud-based products built for the financial services industry. Its flagship product, the nCino Bank Operating System, integrates several key functionalities, including CRM, loan origination, account opening, workflow automation, compliance management, and analytics. This platform streamlines various banking operations, with the goal of enhancing efficiency while ensuring regulatory compliance. Additionally, nCino offers specific solutions for commercial banking, small business lending, and treasury management, among others. Its services focus on digital transformation, aiming to improve the customer experience while optimizing back-end operations.
The Salesforce Platform
nCino's services utilize Salesforce's platform as its foundation. This integration incorporates Salesforce's established CRM functionality, facilitating data management and client interactions within the banking sector. This technical approach aims to balance the security, scalability, and efficiency of Salesforce’s platform while allowing nCino to build products specifically tailored to its end customers.
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