The earnings call presented a mixed picture with strong performance in core areas such as cloud and processing revenue, core wins, and digital platform growth. However, macroeconomic concerns led to lowered revenue guidance and delays in nonrecurring projects, indicating caution in the market.

Company Guidance -

Q4 2025

During the Jack Henry & Associates third quarter fiscal year 2025 earnings call, the company provided comprehensive guidance, highlighting key financial metrics and strategic initiatives. The non-GAAP revenue increased by 7%, with an operating margin of 23%, reflecting a 207-basis point expansion over the previous year. The company adjusted its full-year guidance for GAAP and non-GAAP revenue, margin expansion, and EPS, citing macroeconomic concerns and softening nonstrategic revenue such as hardware sales and consulting engagements. Despite these challenges, key revenue from processing and cloud services, which accounted for 76% of total revenue, grew by 9.8%. The company also forecasted a full-year deconversion revenue range of $22 million to $28 million. The call emphasized the strong sales pipeline and success in securing 28 new core wins, including financial institutions with $30 billion in assets. Additionally, the payments segment showed robust growth with significant client uptakes in Zelle, RTP, and FedNow platforms. Overall, Jack Henry remains optimistic about their strategic positioning and continued growth.

Solid Non-GAAP Revenue and Margin Expansion

Non-GAAP revenue increased 7% and non-GAAP operating margin was 23%, with a 207 basis points margin expansion over last year.

Robust Core Wins

Secured 28 new core wins in fiscal year 2025, including 11 in Q3, with financial institutions totaling $30 billion in assets.

Growth in Cloud and Processing Revenue

76% of total revenue for the quarter came from processing and cloud, growing at 9.8% compared to 8.8% for Q3 fiscal year '24.

Strong Banno Digital Platform Growth

Banno Platform saw an 18% increase in registered users over the past 12 months, with over 13.7 million users.

Increased Deconversion Revenue Guidance

Full year deconversion revenue guidance raised to a range of $22 million to $28 million.

Jack Henry & Associates (JKHY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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JKHY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 19, 2025	2025 (Q4)	1.55 / -	1.38	―	―	―
May 06, 2025	2025 (Q3)	1.37 / 1.52	1.19	27.73% (+0.33)	―
Feb 04, 2025	2025 (Q2)	1.32 / 1.34	1.26	6.35% (+0.08)	―
Nov 05, 2024	2025 (Q1)	1.61 / 1.63	1.39	17.27% (+0.24)	―
Aug 20, 2024	2024 (Q4)	1.32 / 1.38	1.34	2.99% (+0.04)	―
May 07, 2024	2024 (Q3)	1.17 / 1.19	1.12	6.25% (+0.07)	―
Feb 06, 2024	2024 (Q2)	1.14 / 1.26	1.1	14.55% (+0.16)	―
Nov 07, 2023	2024 (Q1)	1.32 / 1.39	1.46	-4.79% (-0.07)	―
Aug 15, 2023	2023 (Q4)	1.19 / 1.34	1.1	21.82% (+0.24)	―
May 02, 2023	2023 (Q3)	1.10 / 1.12	1.16	-3.45% (-0.04)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

JKHY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 06, 2025	$171.47	$171.10	-0.22%
Feb 04, 2025	$172.96	$171.67	-0.75%
Nov 05, 2024	$183.75	$178.68	-2.76%
Aug 20, 2024	$163.45	$163.35	-0.06%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Jack Henry & Associates (JKHY) report earnings?

Jack Henry & Associates (JKHY) is schdueled to report earning on Aug 19, 2025, After Close (Confirmed).

What is Jack Henry & Associates (JKHY) earnings time?

Jack Henry & Associates (JKHY) earnings time is at Aug 19, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is JKHY EPS forecast?

JKHY EPS forecast for the fiscal quarter 2025 (Q4) is 1.55.

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