nCino, Inc. Q4 2026 Earnings Recap

nCino reported a strong fiscal 2026, exceeding guidance with a 17% YoY ACV growth driven by robust AI adoption, expanding customer commitments, and strategic international wins.

Key Takeaways

• ACV grew 17% YoY, reflecting strong customer engagement and AI integration across all segments.
• Delivered the best U.S. enterprise sales quarter in over four years, including major wins in mortgage and commercial lending.
• International expansion momentum with significant customer wins in EMEA and Japan, tripling Japan’s ACV in FY '26.
• Customer retention and upsell improved, with ACV net retention rising to 112%, supported by strategic renewals and data-driven product offerings.
• Nearly 500 clients now grant access to anonymized data, powering advanced analytics and AI capabilities that enhance operational insights and efficiency.