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Inferra AI / Company / JKHY

Jack Henry & Associates

JKHY · Financials

Last earnings Aug 18, 2026  ·  Next earnings Nov 3, 2026

Key results

GAAP revenuequarter

8.7%

Reports Third Quarter Fiscal 2026 Results Third quarter summary GAAP revenue increased 8.7% and GAAP operating income increased 11.8% for the fiscal three months ended March 31, 2026, compared to the prior fiscal year quarter.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

GAAP operating incomefull-year

11.8%

Reports Third Quarter Fiscal 2026 Results Third quarter summary GAAP revenue increased 8.7% and GAAP operating income increased 11.8% for the fiscal three months ended March 31, 2026, compared to the prior fiscal year quarter.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Non-GAAP adjusted revenuequarter

7.3%

Non-GAAP adjusted revenue increased 7.3% and non-GAAP adjusted operating income increased 7.3% for the fiscal three months ended March 31, 2026, compared to the prior fiscal year quarter.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Adjusted operating incomefull-year

7.3%

Non-GAAP adjusted revenue increased 7.3% and non-GAAP adjusted operating income increased 7.3% for the fiscal three months ended March 31, 2026, compared to the prior fiscal year quarter.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

GAAP revenueytd

8.0%

Fiscal year-to-date summary GAAP revenue increased 8.0% and GAAP operating income increased 20.6% for the fiscal year-to-date period ended March 31, 2026, compared to the prior fiscal year-to-date period.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

GAAP operating incomeytd

20.6%

Fiscal year-to-date summary GAAP revenue increased 8.0% and GAAP operating income increased 20.6% for the fiscal year-to-date period ended March 31, 2026, compared to the prior fiscal year-to-date period.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Adjusted operating incomeytd

16.7%

Non-GAAP adjusted revenue increased 7.6% and non-GAAP adjusted operating income increased 16.7% for the fiscal year-to-date period ended March 31, 2026, compared to the prior fiscal year-to-date period.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Revenuequarter

9.4%

revenue of 9.4% and higher deconversion revenue by $9,021.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Processing revenue increased for the fiscal three months ended March 31, 2026, primarily driven by growth in digital and transaction revenue of 9.9%, card revenue of 3.6%, and faster payments revenue of 46.4%.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Revenueytd

8.9%

Services and support revenue increased for the fiscal nine months ended March 31, 2026, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 8.9% and higher deconversion revenue by $20,094.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

RevenueQ3 FY2026

$20,094

Services and support revenue increased for the fiscal nine months ended March 31, 2026, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 8.9% and higher deconversion revenue by $20,094.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Processing revenue increased for the fiscal nine months ended March 31, 2026, primarily driven by growth in digital and transaction revenue of 12.8%, card revenue of 6.2%, and faster payments revenue of 50.5%.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

AI analysis

Q3 FY2026 · reported May 5, 2026

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Headline figures

MetricQ3 FY2026Prior qtrYear ago
GAAP revenue8.7%——
Non-GAAP adjusted revenue7.3%——
Revenue9.4%——

EX-99 · May 5, 2026

Guidance · company-stated

Direction: Raised

Revenue — Raised

“Based on our positive outlook, we have increased our full year non-GAAP revenue, non-GAAP margin expansion, and GAAP EPS guidance.”

Classified from the release's primary full-year outlook statement.

Next earningsNov 3, 2026Verified from the company’s own announcement

Capital allocation

Stock repurchases for the fiscal three months ended March 31, 2026, were $159 million at an average of $162 per share.

Debt outstanding for credit facilities was $90 million at March 31, 2026, and $170 million at March 31, 2025.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

JKHY - 2026.03.31 - Q3 FY26 PRESS RELEASE Document Press Release Mimi L

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Guidance & outlook

Direction: Raised

Revenue — Raised (“increased”)
“Based on our positive outlook, we have increased our full year non-GAAP revenue, non-GAAP margin expansion, and GAAP EPS guidance.”

Classified from the release's primary full-year outlook statement.

Capital allocation

Stock repurchases for the fiscal three months ended March 31, 2026, were $159 million at an average of $162 per share.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Debt outstanding for credit facilities was $90 million at March 31, 2026, and $170 million at March 31, 2025.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Stock repurchases for fiscal year-to-date period ended March 31, 2026, were $284 million at an average of $160 per share.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

The Company had $90 million of borrowings at March 31, 2026, compared to $170 million of borrowings at March 31, 2025.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Management believes that non-GAAP EBITDA is an important measure of the Company s overall operating performance and excludes certain costs and other transactions that management deems one time or non-operational in nature free cash flow is useful to measure the funds generated in a given period that are available for debt service requirements and strategic capital decisions and NOPAT ROIC is a measure of the Company s allocation efficiency and effectiveness of its invested capital.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Common Stock The Board of Directors has authorized the Company to repurchase shares of its common stock.

SEC original ↗Jack Henry & Associates — 10-Q Quarterly report10-QMay 7, 2026

Strategy & priorities

1 According to Greg Adelson, President and CEO , We delivered very strong third-quarter financial results, reflecting our differentiated set of modern solutions, unwavering focus on helping banks and credit unions win in the markets they serve, and disciplined execution across our business.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

According to Mimi Carsley, CFO and Treasurer , During the third quarter, we delivered strong growth in several key revenue areas, including continued expansion in cloud revenue and solid performance from our faster payments products and digital offerings.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Based on our positive outlook, we have increased our full year non-GAAP revenue, non-GAAP margin expansion, and GAAP EPS guidance.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Management believes that non-GAAP EBITDA is an important measure of the Company s overall operating performance and excludes certain costs and other transactions that management deems one time or non-operational in nature free cash flow is useful to measure the funds generated in a given period that are available for debt service requirements and strategic capital decisions and NOPAT ROIC is a measure of the Company s allocation efficiency and effectiveness of its invested capital.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

We are an S P 500 company that prioritizes openness, collaboration, and user centricity offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Risks & headwinds

The sales pipeline is increasing, fueled by increased technology spending and competitive uncertainty, positioning Jack Henry well for driving long-term growth and value creation.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

) Why does fiscal 2025 non-GAAP revenue used for growth calculation not match reported fiscal 2025 non-GAAP revenue The restructuring of a third-party agreement has resulted in a $16 million fiscal year-over-year revenue headwind, with $12 million of that coming in the first quarter and $3 million additional in the second and third quarters.

SEC original ↗Jack Henry & Associates — Earnings release (8-K exhibit)EX-99May 5, 2026

Legal Proceedings 31 ITEM 2.

SEC original ↗Jack Henry & Associates — 10-Q Quarterly report10-QMay 7, 2026

Such risks and uncertainties include, but are not limited to, those discussed in this Quarterly Report on Form 10-Q, those discussed in our Annual Report on Form 10-K for the fiscal year ended June 30, 2025, in particular, those included in Item 1A, Risk Factors of such report, and those discussed in other documents we file with the Securities and Exchange Commission ( SEC ).

SEC original ↗Jack Henry & Associates — 10-Q Quarterly report10-QMay 7, 2026

Documents

Earnings deck slides

0 decks with slide view

Jack Henry & Associates — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Jack Henry & Associates — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Jack Henry & Associates — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Jack Henry & Associates — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

31 documents

Earnings releases

7 documents

Presentations

4 documents

Transcripts

0 documents

No transcripts for Jack Henry & Associates are held in this edition of the library.

Mentioned by

1 company

Other tracked companies whose held documents mention Jack Henry & Associates by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.