Jack Henry & Associates (JKHY)
NASDAQ:JKHY
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Earnings Data
Report Date
Aug 25, 2026After Close (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
1.44Last Year’s EPS
1.75Same Quarter Last Year
Moderate Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call showcased multiple strong operating and financial results: record Q3 revenue, robust sales momentum (notably larger core and cross-sell 'trifecta' wins), accelerating product traction (Tap2Local, Rapid Transfers, stablecoin beta) and sizable cash generation that enabled large buybacks and dividend returns. Management raised full-year guidance and reported significant AI-driven productivity gains. Offsetting these positives, management flagged a near-term Q4 slowdown and margin pressure driven by mix, timing, normalized medical and cloud transition costs, lumpy network incentives and other seasonal/quarterly variabilities. Overall fundamentals and guidance were improved, with the company emphasizing durable, long-term tailwinds despite an expected softer Q4.Company Guidance
Record Quarterly Revenue and Strong Profitability
Non-GAAP Q3 revenue of $616 million, up 7.3% year-over-year; GAAP revenue up 9% in the quarter. Non-GAAP operating margin ~22.9% (Q3) and non-GAAP margin year-to-date 25% (195 bps improvement YTD). Q3 GAAP diluted EPS $1.71, up 12%; YTD GAAP EPS $5.41, up 20%.
Robust Sales Momentum and Large Core Wins
Q3 delivered 17 competitive core wins (including 5 institutions >$1B). Year-to-date 43 core wins (11 >$1B) vs 28 (8 >$1B) a year ago. Management expects to exceed last year's 51 core wins and is confident of finishing north of 55; notable wins include deals of ~$3.5B, $5B, $7.5B and an almost $10B institution with ~1.2M accounts.
Higher-Value 'Trifecta' Wins Increasing
25 of this year's core wins (58%) included digital banking and card solutions vs 8 deals (29%) at this point last year, indicating stronger cross-sell and deeper client relationships.
Strong Cash Generation and Capital Return
Q3 operating cash flow $186M (up 72% YoY); Q3 free cash flow $122M (up 137% YoY). Trailing 12-month NOPAT ROIC 23% vs 20% prior year. Year-to-date capital deployment: $284M in share repurchases, $127M dividends; new $1B revolver established; expect to be debt-free at fiscal year-end (ended quarter with $90M debt).
Accelerated AI Adoption and Measurable Productivity Gains
Approximately 100 AI tools approved internally, supporting ~500 use cases. Reported productivity examples: developer productivity in origination/online account opening up ~90%; AI-assisted exception processing reducing time to close exceptions 70–80% in closed beta; AI adviser bot handled >3,700 complex support interactions with a 96% success rate.
Successful New Product Rollouts Showing Early Traction
Tap2Local (SMB payments) live with >700 banks/credit unions and active merchants doubled to >1,600 since marketing began; Rapid Transfers live with >110 institutions and ~190 onboarding with average transaction size ~$260 (double initial projection). Stablecoin (USDC) beta testing progressing; cloud-native deposit-only core development completed 6 months ahead of schedule.
Payments and Digital Momentum
Client adoption of faster payment rails: Zelle +25%, RTP +26%, FedNow +31% YoY; combined payment transaction volume across these channels rose 47% YoY. Banno platform: 1,028 clients live and >15.5M registered users (up 13% YoY).
Raised Full-Year Guidance
Third consecutive guidance increase: fiscal '26 deconversion revenue guidance raised to $37M; full-year GAAP revenue growth guidance to 6.1%–6.6%; non-GAAP revenue growth guidance tightened to 6.6%–7.1%. Full-year non-GAAP margin expansion guidance increased to 75–95 bps (previously 20–40 bps). GAAP EPS guidance $6.78–$6.87 (up 9%–10%).
JKHY Earnings History
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 05, 2026 | $149.34 | $142.88 | -4.33% |
Feb 03, 2026 | $165.56 | $173.15 | +4.59% |
Nov 04, 2025 | $151.36 | $158.72 | +4.86% |
Aug 19, 2025 | $158.94 | $162.08 | +1.97% |
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 25, 2026, After Close (Confirmed).
What is Jack Henry & Associates (JKHY) earnings time?
Jack Henry & Associates (JKHY) earnings time is at Aug 25, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is JKHY EPS forecast?
JKHY EPS forecast for the fiscal quarter 2026 (Q4) is 1.44.