Peak NRR of 116% in FY2026-Q3. Latest is 110% - that's -6pp from peak.
nCino is above the Fintech SaaS Public median by +0pp (cell median: 110%)
nCino (NCNO) is a fintech saas company at the public stage. As of its most recent disclosure (FY-2026), nCino reported a Net Revenue Retention rate of 110% - a mid-pack result for B2B SaaS at this segment.
nCino's NRR peaked at 116% in FY2026-Q3, 6pp above today's level. The most recent quarter lost 2pp 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 110%. 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.
Logo flow per period (count-side complement to dollar-based NRR).
Revenue, ARR, and team-size denominators for the productivity ratios.
Forward-booked revenue by maturity. Renewal pipeline visibility.
Support tiers: Standard · Premier · Strategic
CS team segments: Strategic · Enterprise · Mid-Market · SMB
CSM model: hybrid
Education programs: nSight user conference
Top customer exec: Sean Desmond - Chief Executive Officer (formerly Customer Success)
Computed from the data above. Shows where value comes from and where leakage hides.
Named CS initiatives across recent disclosures (newest first).
Transition to value-based pricing framework aligning subscription fees with assets of the line of business.
"nCino transitioned to an asset-based pricing strategy which we began implementing in fiscal 2025"
Transitioning customers from seat-based pricing to platform pricing to access AI capabilities.
"move to our new platform pricing framework to access our growing AI capabilities... 38% of our ACV away from seat-based"
Role-based AI agents (e.g., Analyst Digital Partner) designed to work alongside banking professionals.
"Our role-based agents, what we call Digital Partners, were designed to work alongside banking professionals"
Transitioning customers from seat-based to asset/volume-based pricing, with 21% of ACV converted.
"we have now converted approximately 21% of our ACV to platform pricing."
First pillar of AI strategy; an AI-powered interface integrated into workflows, purchased by 80+ customers.
"Banking Advisor represents the first pillar of our AI strategy, and over 80 customers have now purchased this technology."
Initiative to achieve efficiency gains in PSO and customer support organizations.
"confident enough in our ability to achieve efficiency gains in our PSO and customer support... like Project SevZero"
Generative and agentic AI-powered solutions embedded throughout the nCino platform.
"we continue to build generative and agentic AI-powered solutions and embed them throughout the nCino platform."
Generative AI solution being bundled into every new deal and renewal.
"we plan for Banking Advisor to be part of every new deal and renewal."
Challenges acknowledged by management. Useful peer signals - your team is probably not alone.
Higher interest rate environment negatively impacting demand for mortgage products.
"higher interest rate environment... has had a negative impact on our U.S. mortgage business"
Fluctuating interest rate environment and inflationary pressures impacting the U.S. Mortgage business.
"fluctuations have had an impact on the real estate market in the U.S... which has had a negative impact on our U.S. Mortgage business."
Fluctuating interest rates and inflationary pressures negatively impacting the U.S. Mortgage business.
"specifically, the demand for mortgages and mortgage-related products... has had a negative impact on our U.S. Mortgage business."
Financial institutions struggle with legacy systems that limit growth and hinder performance.
"Financial institutions will continue to struggle with legacy fragmented systems that limit growth"
Prudent guidance due to volatility and difficult comparisons in the mortgage sector.
"our intention is to continue to be prudent around expectations for U.S. mortgage."
Financial institutions face challenges with legacy and fragmented technology restricting growth.
"Financial institutions around the globe face persistent challenges rooted in legacy and fragmented technology"
Curated quotes about customer outcomes, retention, renewals.
"My heritage coming from the customer success arena here at nCino... we've always been focused on holding our customers closely."
"We've talked about our expectations going into this year that churn would continue to trend down towards historic norms."
"I wake up in the morning making sure we deliver outcomes and have strong NPS and customer satisfaction scores."
"The old renewal process was easier and simpler... we're seeing all the right behavior, what we expected so far, putting that in place."
"I've also worked alongside our customers... ensuring successful project deliveries, adoption of our user experiences, and realization of our committed business outcomes."
"Q4 was our lowest churn quarter for mortgage last year, and Q1 was lower than Q4."
Side-by-side NRR, customer cohorts, commercial structure, and CS motion.
nCino appears on 4 of our retention leaderboards.
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Generate a live retention report against nCino and your full peer cell. Ungated. Downloadable as PDF.