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Ncino Inc's Business Segments
Ncino Inc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q2 FY2026
Reportable Segments
1
Largest Segment
Reportable
Total Revenue
$ 161
Countrys Reported
2
Revenue Share by Reportable Segment - Q2 FY2026
- Reportable100%
Revenue by Reportable Segment - Q2 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Reportable | $ 161 | 100% |
Revenue Share by Country - Q2 FY2026
- United States77.4%
- United Kingdom10.9%
Revenue by Geographic Country - Q2 FY2026
| Country | Revenue (Millions) | % of Total |
|---|---|---|
| United States | $ 125 | 77.4% |
| United Kingdom | $ 18 | 10.9% |
Revenue by Product & Service Category - Q2 FY2026
- License and Service89.1%
- Subscriptions Non Mortgage57.1%
- Subscriptions Mortgage12.8%
- Professional Services10.9%
Revenue by Product & Service Category - Q2 FY2026
| Category | Revenue (Millions) | % of Total |
|---|---|---|
| License and Service | $ 143 | 89.1% |
| Subscriptions Non Mortgage | $ 92 | 57.1% |
| Subscriptions Mortgage | $ 21 | 12.8% |
Product and service categories are a supplemental disclosure and are not required to sum to consolidated revenue or to the reportable segments above.
1 more categories available
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Description of Ncino Inc
nCino is a global leader in the provision of cloud-based software to financial institutions. We provide the technology that banks, credit unions, and independent mortgage banks need to satisfy ever-changing customer expectations and regulatory requirements, get better visibility into their operations and performance, replace outdated systems, and operate digitally and more competitively.
nCino Inc. is a cloud banking provider that leverages its proprietary technology to streamline and enhance the banking process for financial institutions. The company focuses primarily on providing solutions that improve operational efficiency, enhance customer experience, and drive revenue growth for banks and credit unions. Below is an extensive description of the segments, products, and services offered by nCino:
Segments
1. Commercial Banking:
- nCino targets commercial banks by providing solutions that optimize the lending process, from origination to portfolio management. This segment includes various products specifically designed to meet the needs of commercial lenders.
2. Community Banking:
- Aimed at smaller financial institutions, nCinos solutions provide community banks with robust tools to effectively manage customer relationships, streamline operations, and remain competitive against larger banks.
3. Credit Unions:
- Recognizing the unique requirements of credit unions, nCino offers specialized services and tools that help these organizations operate efficiently while maximizing member satisfaction.
4. Corporate Banking:
- For corporate banks, nCino provides tailored solutions that facilitate the administration of complex corporate lending arrangements and enhance client relationships through better data and insights.
Products
1. nCino Bank Operating System (BOS):
- The core product of nCino is its Bank Operating System, which combines various banking functions into a single platform. It helps institutions manage customer data, automate processes, and gain insights through a unified interface.
2. Lending Solutions:
- Specifically designed for commercial and retail lending, these solutions facilitate loan origination, approval workflows, credit analysis, and risk assessment. They also provide tools for underwriting and compliance, ensuring that lending practices meet regulatory requirements.
3. Customer Relationship Management (CRM):
- nCinos CRM is integrated deeply into its BOS, allowing banks to manage customer interactions, track sales activities, and analyze customer data seamlessly. This module is essential for improving client engagement and driving sales performance.
4. Portfolio Management:
- This product helps financial institutions monitor and manage their existing loan portfolios. It offers real-time insights on credit risk, portfolio performance, and borrower behavior, enabling proactive management of potential issues.
5. Compliance and Risk Management:
- nCino provides tools to help banks navigate the complex landscape of regulatory requirements. This includes features for regulatory reporting, compliance tracking, and risk assessment to reduce operational risk and ensure adherence to laws and guidelines.
6. Deposit Account Opening:
- This solution simplifies the process of opening new deposit accounts for both consumer and commercial clients. It provides a digital interface that enhances the customer experience while streamlining internal processes for banking staff.
Business Intelligence and Analytics:
- nCino offers analytics tools that enable institutions to derive actionable insights from their data. By leveraging business intelligence capabilities, banks can identify trends, optimize operations, and enhance decision-making processes.
Services
1. Implementation Services:
- nCino provides consulting and support services for the implementation of its products. This includes project management, training, and ongoing support to ensure a smooth transition to its platform.
2. Training and Support:
- Comprehensive training programs are available to ensure that banking staff can effectively utilize nCino’s technology. Additionally, ongoing customer support helps address user issues and optimize the use of the system.
3. Marketplace and Integrations:
- nCino has developed a marketplace that allows financial institutions to integrate additional third-party applications into its platform, enhancing functionality and enabling customers to tailor solutions to their specific needs.
4. Innovation and Development Services:
- nCino invests in continuous product development, leveraging customer feedback to enhance existing functionalities and create new features. This service aims to keep financial institutions at the forefront of technology trends.
5. API and Developer Support:
- nCino’s platform is designed to be extensible, providing APIs that allow for custom development and integration with other software solutions, enabling banks to create a technology ecosystem that fits their unique requirements.
In summary, nCino Inc. offers a comprehensive suite of products and services designed to support the digital transformation of financial institutions. With its focus on streamlining operations, enhancing customer experience, and ensuring compliance, nCino plays a vital role in enabling banks and credit unions to operate more efficiently in a competitive landscape.
Segments
1. Commercial Banking:
- nCino targets commercial banks by providing solutions that optimize the lending process, from origination to portfolio management. This segment includes various products specifically designed to meet the needs of commercial lenders.
2. Community Banking:
- Aimed at smaller financial institutions, nCinos solutions provide community banks with robust tools to effectively manage customer relationships, streamline operations, and remain competitive against larger banks.
3. Credit Unions:
- Recognizing the unique requirements of credit unions, nCino offers specialized services and tools that help these organizations operate efficiently while maximizing member satisfaction.
4. Corporate Banking:
- For corporate banks, nCino provides tailored solutions that facilitate the administration of complex corporate lending arrangements and enhance client relationships through better data and insights.
Products
1. nCino Bank Operating System (BOS):
- The core product of nCino is its Bank Operating System, which combines various banking functions into a single platform. It helps institutions manage customer data, automate processes, and gain insights through a unified interface.
2. Lending Solutions:
- Specifically designed for commercial and retail lending, these solutions facilitate loan origination, approval workflows, credit analysis, and risk assessment. They also provide tools for underwriting and compliance, ensuring that lending practices meet regulatory requirements.
3. Customer Relationship Management (CRM):
- nCinos CRM is integrated deeply into its BOS, allowing banks to manage customer interactions, track sales activities, and analyze customer data seamlessly. This module is essential for improving client engagement and driving sales performance.
4. Portfolio Management:
- This product helps financial institutions monitor and manage their existing loan portfolios. It offers real-time insights on credit risk, portfolio performance, and borrower behavior, enabling proactive management of potential issues.
5. Compliance and Risk Management:
- nCino provides tools to help banks navigate the complex landscape of regulatory requirements. This includes features for regulatory reporting, compliance tracking, and risk assessment to reduce operational risk and ensure adherence to laws and guidelines.
6. Deposit Account Opening:
- This solution simplifies the process of opening new deposit accounts for both consumer and commercial clients. It provides a digital interface that enhances the customer experience while streamlining internal processes for banking staff.
Business Intelligence and Analytics:
- nCino offers analytics tools that enable institutions to derive actionable insights from their data. By leveraging business intelligence capabilities, banks can identify trends, optimize operations, and enhance decision-making processes.
Services
1. Implementation Services:
- nCino provides consulting and support services for the implementation of its products. This includes project management, training, and ongoing support to ensure a smooth transition to its platform.
2. Training and Support:
- Comprehensive training programs are available to ensure that banking staff can effectively utilize nCino’s technology. Additionally, ongoing customer support helps address user issues and optimize the use of the system.
3. Marketplace and Integrations:
- nCino has developed a marketplace that allows financial institutions to integrate additional third-party applications into its platform, enhancing functionality and enabling customers to tailor solutions to their specific needs.
4. Innovation and Development Services:
- nCino invests in continuous product development, leveraging customer feedback to enhance existing functionalities and create new features. This service aims to keep financial institutions at the forefront of technology trends.
5. API and Developer Support:
- nCino’s platform is designed to be extensible, providing APIs that allow for custom development and integration with other software solutions, enabling banks to create a technology ecosystem that fits their unique requirements.
In summary, nCino Inc. offers a comprehensive suite of products and services designed to support the digital transformation of financial institutions. With its focus on streamlining operations, enhancing customer experience, and ensuring compliance, nCino plays a vital role in enabling banks and credit unions to operate more efficiently in a competitive landscape.