Sign In
Buy JKHY
Jack Henry & Associates Earnings Calls
| Release date | May 05, 2026 |
| EPS estimate | $1.43 |
| EPS actual | $1.71 |
| EPS Surprise | 19.58% |
| Revenue estimate | 619.672M |
| Revenue actual | 636.245M |
| Revenue Surprise | 2.67% |
| Release date | Feb 03, 2026 |
| EPS estimate | $1.43 |
| EPS actual | $1.72 |
| EPS Surprise | 20.28% |
| Revenue estimate | 609.76M |
| Revenue actual | 619.334M |
| Revenue Surprise | 1.57% |
| Release date | Nov 04, 2025 |
| EPS estimate | $1.71 |
| EPS actual | $1.97 |
| EPS Surprise | 15.20% |
| Revenue estimate | 635.953M |
| Revenue actual | 644.738M |
| Revenue Surprise | 1.38% |
| Release date | Aug 19, 2025 |
| EPS estimate | $1.58 |
| EPS actual | $1.75 |
| EPS Surprise | 10.76% |
| Revenue estimate | 604.526M |
| Revenue actual | 615.372M |
| Revenue Surprise | 1.79% |
Last 4 Quarters for Jack Henry & Associates
Below you can see how JKHY performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Aug 19, 2025 |
| Price on release | $160.63 |
| EPS estimate | $1.58 |
| EPS actual | $1.75 |
| EPS surprise | 10.76% |
| Date | Price |
|---|---|
| Aug 13, 2025 | $163.37 |
| Aug 14, 2025 | $159.25 |
| Aug 15, 2025 | $160.39 |
| Aug 18, 2025 | $160.83 |
| Aug 19, 2025 | $160.63 |
| Aug 20, 2025 | $163.80 |
| Aug 21, 2025 | $163.26 |
| Aug 22, 2025 | $165.56 |
| Aug 25, 2025 | $161.68 |
| 4 days before | -1.68% |
| 4 days after | 0.654% |
| On release day | 1.97% |
| Change in period | -1.03% |
| Release date | Nov 04, 2025 |
| Price on release | $152.42 |
| EPS estimate | $1.71 |
| EPS actual | $1.97 |
| EPS surprise | 15.20% |
| Date | Price |
|---|---|
| Oct 29, 2025 | $149.89 |
| Oct 30, 2025 | $149.88 |
| Oct 31, 2025 | $148.94 |
| Nov 03, 2025 | $150.63 |
| Nov 04, 2025 | $152.42 |
| Nov 05, 2025 | $159.83 |
| Nov 06, 2025 | $163.08 |
| Nov 07, 2025 | $160.80 |
| Nov 10, 2025 | $162.61 |
| 4 days before | 1.69% |
| 4 days after | 6.69% |
| On release day | 4.86% |
| Change in period | 8.49% |
| Release date | Feb 03, 2026 |
| Price on release | $166.16 |
| EPS estimate | $1.43 |
| EPS actual | $1.72 |
| EPS surprise | 20.28% |
| Date | Price |
|---|---|
| Jan 28, 2026 | $179.81 |
| Jan 29, 2026 | $177.94 |
| Jan 30, 2026 | $179.21 |
| Feb 02, 2026 | $179.18 |
| Feb 03, 2026 | $166.16 |
| Feb 04, 2026 | $173.78 |
| Feb 05, 2026 | $176.96 |
| Feb 06, 2026 | $173.36 |
| Feb 09, 2026 | $171.56 |
| 4 days before | -7.59% |
| 4 days after | 3.25% |
| On release day | 4.59% |
| Change in period | -4.59% |
| Release date | May 05, 2026 |
| Price on release | $149.34 |
| EPS estimate | $1.43 |
| EPS actual | $1.71 |
| EPS surprise | 19.58% |
| Date | Price |
|---|---|
| Apr 29, 2026 | $153.75 |
| Apr 30, 2026 | $153.75 |
| May 01, 2026 | $154.03 |
| May 04, 2026 | $152.52 |
| May 05, 2026 | $149.34 |
| May 06, 2026 | $142.88 |
| May 07, 2026 | $146.03 |
| May 08, 2026 | $145.84 |
| May 11, 2026 | $143.65 |
| 4 days before | -2.87% |
| 4 days after | -3.81% |
| On release day | -4.33% |
| Change in period | -6.57% |
Jack Henry & Associates Earnings Call Transcript Summary of Q1 2026
Key points for investors:
- Strong Q1 performance: Non-GAAP revenue $636M (+8.7% YoY) and non-GAAP operating margin 27.2% (up 227 bps YoY). GAAP EPS $1.97 (+21%).
- Guidance raised: Full-year GAAP revenue growth 4.9%–5.9%; non-GAAP revenue growth 6%–7%; non-GAAP margin expansion 30–50 bps. GAAP EPS guidance increased to $6.38–$6.49. Deconversion guidance increased to $20M (conservative methodology).
- Cloud/private‑cloud momentum: 77% of core clients now on Jack Henry private cloud; signed seven migrations in Q1. Management notes private‑cloud clients generate ~2x the revenue of on‑prem clients.
- Sales and renewals: Q1 deal mix improved (44% new core sales / 56% renewals vs. prior-year 35%/65%). Q1 had four competitive core wins; management expects to be in the ~50 core-wins range for the year based on pipeline.
- Product and inorganic growth: Closed Victor Technologies (embedded payments / bank-as-a-service capabilities). Launched Tap2Local (SMB merchant acquiring) and Rapid Transfers (instant transfers via debit rails). Completed a rapid USDC proof of concept and note the new platform supports 9 decimal places (stablecoin-ready).
- Payments & faster payments growth: Faster payments volumes up 55% YoY; uptake of Zelle, RTP and FedNow increasing. Banno digital platform: 1,026 retail clients, 14.7M registered users (+15% YoY).
- Financial strength & capital allocation: Q1 operating cash flow $121M, free cash flow $69M. $100M of share repurchases YTD and $42M dividends paid. Minimal debt at quarter end; expect to end year debt-free absent acquisitions.
- Margin discipline & AI: Management cites disciplined headcount/cost control and internal AI use-cases (100+ internal use cases) as drivers of margin expansion and efficiency.
- Risks & watch items: Conservative deconversion revenue recognition (may understate GAAP revenue/EPS), ongoing industry M&A among clients which can create deconversion pressure, and execution risk in scaling new product rollouts outside the install base.
Overall takeaway: Management delivered a better-than-expected start to FY26 with durable revenue and margin expansion, meaningful cloud migration progress, strategic tuck-in M&A (Victor), and promising new product rollouts that expand addressable markets. They raised guidance modestly while retaining conservative assumptions around deconversion activity.
