Gross Retention excludes expansion - it shows pure churn / contraction loss. The gap between NRR and GRR is the expansion lift.
Peak NRR of 116% in FY2026-Q3. Latest is 112% - that's -4pp from peak.
nCino is above the Fintech SaaS Public median by +0pp (cell median: 112%)
nCino (NCNO) is a fintech saas company at the public stage. As of its most recent disclosure (FY2026-Q4), nCino reported a Net Revenue Retention rate of 112% - a mid-pack result for B2B SaaS at this segment.
nCino's NRR peaked at 116% in FY2026-Q3, 4pp above today's level. The most recent quarter lost 4pp QoQ.
Within its peer set (fintech saas companies at public stage in the $500k+ acv band), nCino's NRR is roughly in line with the cell median of 112%. Compare against the full peer cell aggregate for distribution and top performers.
Contract shape and forward-booked revenue.
Health scores, usage, and time-to-value when disclosed.
Revenue, ARR, and team-size denominators for the productivity ratios.
Forward-booked revenue by maturity. Renewal pipeline visibility.
CS team segments: Community Bank · Regional Bank · Enterprise · Credit Union
CSM model: account-named
Education programs: nSight Customer Conference
Top customer exec: Sean Desmond - CEO (formerly Customer Success) (since 2024)
Named CS initiatives across recent disclosures (newest first).
Transitioning customers from seat-based to platform-based pricing models.
"converted approximately 27% of our ACV to platform pricing, up from 21% last quarter"
Role-based AI agents and intelligence units to drive operational efficiency.
"announced the release of the first in a series of role-based AI agents we intend to bring to the market"
Initiative for more prescriptive and rapid deployments to improve time-to-value.
"leveraging initiatives like Project SevZero that you've heard us talk about."
AI-powered interface integrated into workflows; 80 customers purchased.
"Banking Advisor represents the first pillar of our AI strategy, and over 80 customers have now purchased"
Challenges acknowledged by management. Useful peer signals - your team is probably not alone.
One M&A deal resulted in a contract buyout/churn.
"we did have one deal in the quarter that went against us. This resulted in a contract buyout"
Difficulty in educating customers on new pricing models and AI workflows.
"I will remind everybody that change is hard. When you introduce something new, there's some initial education"
Price and cost pressure on services concentrated in the U.S. community bank space.
"price pressure or cost pressure on services really has been concentrated in the community bank space in the U.S."
Curated quotes about customer outcomes, retention, renewals.
"Q4 was our lowest churn quarter for mortgage last year, and Q1 was lower than Q4."
"we are talking about going from months to years to months to days [for implementation]."
"The interest in Banking Advisor is pulling forward conversations that we're having in the field and having them run toward embracing the new pricing model."
"We continue to mitigate churn as well with the outcomes that we deliver and read back to our customers."
"We've talked about our expectations going into this year that churn would continue to trend down towards historic norms."
Side-by-side NRR, customer cohorts, commercial structure, and CS motion.
nCino appears on 2 of our retention leaderboards.
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