📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate Services. The Core segment provides core information processing platforms to banks and credit unions, which consists of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, money movement and embedded payment capabilities, remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate Services segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks; and Symitar, a system designed for credit unions. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and services; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q4 2025

Confident Specific

Management consistently provided precise numerical achievements (e.g., 23 core wins, 51 full-year core deals, $53 billion in assets won) and reiterated record revenue and margin expansion. While headwinds like M&A and pricing pressure were acknowledged, the tone remained upbeat about long-term positioning, with no defensive or evasive language.

Q1 2026

Confident Specific

Record first-quarter revenue and margin beats; specific figures on cloud migrations (7 contracts), core wins (4, one >$1B), and product launches; positive language like 'thrilled', 'extremely pleased', 'highly optimistic'.

Q2 2026

Confident Specific

Management repeatedly described results as 'record', 'outstanding', and 'robust', citing specific metrics such as 22 core wins, 355 bps margin expansion, and 68% trifecta attach rate. The tone was optimistic and forward-looking, with phrases like 'very optimistic about the rest of our fiscal year' and 'strong demand environment'.

Q3 2026 latest

Confident Specific

Greg and Mimi repeatedly used strong quantifiers like 'record third-quarter results', 'outstanding quarter', 'highly confident', and provided specific figures for core wins, trifecta wins, and growth metrics. They also directly addressed known headwinds and increased guidance multiple times.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis is stronger after this call. Sales momentum in core and trifecta wins is accelerating, with 43 core wins year-to-date versus 28 last year, and wins are increasingly larger. Full-year margin expansion guidance was substantially raised, showing operating leverage. New products like Tap2Local and Rapid Transfers are early but showing strong metrics. The only caution is Q4's expected weakness, but management framed it as timing and one-time factors. What to watch next quarter: Q4 revenue and margin actuals versus guidance, progress on cloud-native core and stablecoin adoption, and further updates on Banno expansion outside the base.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Jack Henry Q3 2026 record non-GAAP revenue $616M, 7.3% growth, 17 core wins

Revenue & Profitability

Q3 2026 non-GAAP revenue was $616 million, up 7.3% year-over-year. GAAP EPS was $1.71, up 12%, and year-to-date GAAP EPS was $5.41, up 20%. Non-GAAP operating margin was 22.9%, flat year-over-year. Full-year fiscal 2026 guidance: GAAP revenue growth 6.1%-6.6%, non-GAAP revenue growth 6.6%-7.1%, GAAP EPS $6.78-$6.87 (growth 9%-10%), and free cash flow conversion of 95%-105%.

Outlook

Management sees strong demand: 88% of surveyed clients expect to increase technology budgets over the next two years (up from 76% last year), with 41% planning 6%-10% increases. AI is now the top priority for CEOs. The company is confident about exceeding 51 core wins for the fiscal year, with robust pipelines across all segments. Macro volatility is not affecting client tech spending.

Growth Drivers

Key growth levers include competitive core wins (17 in Q3, 43 year-to-date, 11 over $1B), trifecta wins (58% include digital banking and card solutions), faster payments (transaction volume up 47% YoY), Tap2Local (700+ banks live, 1,600 merchants), Rapid Transfers (110 live, average transaction $260 vs. $130 original projection), and Jack Henry Payments Orchestrator (pipeline of 40+ banks/fintechs).

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

Q3 2026 non-GAAP operating margin was 22.9%, flat year-over-year. Year-to-date non-GAAP margin was 25%, up 195 basis points. Full-year margin expansion guidance was raised to 75-95 basis points from 20-40. Q4 margins are expected to contract due to normalization of medical expenses, commission timing, and cloud migration costs. Long-term tailwinds include AI, public cloud, and product mix toward higher-margin solutions.

Key Risks

Risks include lumpy deconversion revenue from M&A (Q3 deconversion revenue $19M, highly variable quarter-to-quarter), Q4 revenue expected below consensus due to timing of digital and card revenue, normalization of medical expenses and commissions pressuring Q4 margins, network incentive revenue variability, and regulatory uncertainty for stablecoin processing. Macro consumer sensitivity could impact card volumes, though no near-term impact seen.

Generated by AI · Q3 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q3 2026 Q3 2026 2026-05-06

Record Q3 results with 7% non-GAAP revenue growth, strong core wins, and robust margin expansion. Fiscal 2026 guidance raised for revenue, EPS, and margin, with continued momentum in AI, digital, and payments solutions.

Q2 2026 Q2 2026 2026-02-04

Record Q2 results featured 6.7% non-GAAP revenue growth, margin expansion, and strong core wins, with robust demand for cloud, payments, and digital solutions. Guidance was raised for revenue, EPS, and margins, supported by innovation and stable industry conditions.

Q1 2026 Q1 2026 2025-11-05

Record Q1 results with 9% non-GAAP revenue growth and 227 bps margin expansion led to raised full-year guidance. New product launches, the Victor acquisition, and strong recurring revenue underpin optimism, while pricing and M&A headwinds are stabilizing.

Q4 2025 Q4 2025 2025-08-20

Record revenue and margin expansion were achieved in FY25, with strong sales momentum and robust free cash flow. FY26 guidance anticipates continued growth despite industry headwinds, with a focus on cloud, digital innovation, and operational efficiency.

Q3 2025 Q3 2025 2025-05-07

Q3 FY25 saw strong recurring revenue growth and margin expansion, offset by delays in non-key projects and hardware sales, prompting a downward revision in revenue guidance but higher EPS and margin outlook. The sales pipeline remains robust, with continued wins among larger institutions and strong demand for digital and payment solutions.

📊 Analysis Methodology

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