Achieved 17% year-over-year ACV growth, driven by strong execution in U.S. enterprise markets and significant international wins in Japan and EMEA.

Transitioned 38% of total ACV to a new platform-based pricing model, moving away from legacy seat-based metrics to align revenue with AI-driven outcomes.

Leveraged a proprietary data set from 500 customers representing $11 trillion in assets to power 'Banking Advisor' and agentic workflows that automate complex credit reviews.

Positioned the platform as a 'system of record' for highly regulated banking processes, arguing that AI agents require nCino's compliance guardrails and audit trails to function safely.

Reported a 25x increase in Banking Advisor usage from October to March, signaling rapid production adoption of AI capabilities across the customer base.

Improved ACV net retention to 112% (109% organic) as existing customers expanded commitments to access new AI intelligence units.

Appointed Keith Kettell as Chief Revenue Officer to scale global go-to-market operations toward the $1 billion revenue milestone.

Projecting fiscal 2027 subscription revenue growth of 9% at the midpoint, or 10% to 11% when excluding the prudent 1% growth assumption for U.S. mortgage.

Anticipating a Rule of 40 profile by Q4 fiscal 2027, targeting a mix of 10% subscription growth and 30% non-GAAP operating margin.

Expects international subscription revenue to become accretive to overall growth starting in Q1 fiscal 2027 following record international bookings.

Guidance methodology for ACV net additions of $60 million to $65 million assumes higher win rates than fiscal 2026 targets but remains below actual achieved win rates to maintain prudence.

Subscription revenue guidance does not yet include potential upside from incremental 'intelligence unit' bundle sales, reflecting a deliberate adoption pace by financial institutions.

Announced a new $100 million accelerated share repurchase program, funded by free cash flow and a $200 million term loan expansion.

Transitioned to self-insuring medical benefits effective January 2026, which may introduce short-term expense volatility but is expected to be more cost-effective long-term.

Targeting a 100 basis point reduction in stock-based compensation as a percentage of revenue for fiscal 2027, moving toward a long-term goal of 6% to 8%.

Noted that Q4 organic subscription growth was impacted by a 3% headwind from a one-time international contract buyout in the prior year.

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Management argued that while AI makes writing code easier, deploying it in a regulated environment remains difficult without nCino's established workflow and data trust.

Asserted that AI agents actually increase platform value because they require the 'context and guardrails' provided by the system of record to be auditable.

Confirmed that price realization is exceeding internal plans, with the largest customer recently renewing for 5 years under the new platform pricing framework.

Explained that the value exchange is becoming clearer to customers as they trade labor costs for automated efficiency in middle and back-office tasks.

Stated that customers are sold large enough blocks of units upfront to avoid 'nickel and diming' during the initial change management phase.

Identified agentic credit reviews and auto-spreading as the primary drivers of the 25x usage spike observed in early 2024.

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