NCNO Stock Rallies More Than 19% After Hours – Here’s Why

• NCNO sees total revenues between $154.5 million and $156.5 million for its first quarter ending April 30.
• As of January 31, 2026, cash, cash equivalents, and restricted cash at NCNO were $88.7 million and $213.5 million was outstanding under nCino’s revolving credit facility.
• Adjusted net income attributable to nCino in the fourth quarter of fiscal 2026 was $0.37 per diluted share, above Wall Street projections of $0.21 per share. 

nCino (NCNO) shares jumped more than 19% on Tuesday after it reported higher fourth quarter earnings helped by record gross Annual Contract Value (ACV) bookings. 

The company who provides cloud-based software applications for financial institutions reported total revenues for the fourth quarter of fiscal 2026 of $149.7 million, a 6% increase from $141.4 million in the fourth quarter of fiscal 2025. Analysts expected revenue to be at $147.9 million, as per data from Stocktwits. 

Its subscription revenues for the fourth quarter of fiscal 2026 were $133.4 million, up from $125.0 million one year ago, an increase of 7%.

Adjusted net income attributable to nCino in the fourth quarter of fiscal 2026 was $0.37 per diluted share compared to $0.19 per diluted share in the year-ago quarter. It was also well above Wall Street projections of $0.21 per share. 

As of January 31, 2026, cash, cash equivalents, and restricted cash at NCNO were $88.7 million and $213.5 million was outstanding under nCino’s revolving credit facility.

“Fiscal 2026 was a landmark year for nCino, with both the fourth quarter and full fiscal year marking company records for gross ACV bookings, and we again exceeded financial guidance across all revenue and profitability metrics,” said Sean Desmond, Chief Executive Officer at nCino. “Our success this year reflects strong global sales execution, accelerating demand for our industry-focused AI capabilities, and the confidence our customers place in nCino as their long-term technology partner.”

Outlook

NCNO sees total revenues between $154.5 million and $156.5 million for its first quarter ending April 30. It expects adjusted operating income to be between $38.0 million and $40.0 million. 

For its full year ending Jan. 31, the firm expects total revenues between $639.0 million and $643.0 million and subscription revenues between $569.0 million and $573.0 million. 

Retail Reaction

Retail reaction around NCNO stock trended in ‘extremely bullish’ territory amid ‘high’ message volume. 

Shares in the company have fallen 42% so far this year.