Jack Henry FY2026: revenue up 7.1%, EPS up 11.9%, but Q4 operating income down 12.2%
Jack Henry wrapped fiscal 2026 with record revenue of $2.54 billion, up 7.1%, and GAAP EPS of $6.98, up 11.9%, while the June quarter was much softer: operating income fell 12.2% and EPS fell 10.2%. Read the year and the quarter as two different stories — the year shows margin expansion and $539.3 million of free cash flow, the quarter shows costs outpacing revenue. The buyback and dividend numbers explain why cash fell.
1 · Expected vs. Actual
Free preview belowFull-year GAAP EPS was $6.98, up 11.9% from $6.24, but the June quarter printed $1.57, down 10.2% from $1.75. The consensus EPS estimate included with this filing was $1.49, so the quarter cleared that mark even while shrinking year over year. Non-GAAP adjusted net income rose 10.2% to $477.1 million for the year.
Full-year revenue was $2.54 billion, up 7.1% from $2.38 billion, though the fourth quarter grew only 4.7% to $644.0 million. On a non-GAAP adjusted basis, which strips out deconversion revenue and a small acquisition, full-year revenue rose 7.3% to $2.50 billion. The growth engines were processing revenue, up 8.2%, and services and support, up 6.3%.
Management guided fiscal 2027 GAAP revenue to $2.68–$2.71 billion, GAAP operating margin of 24.5%–24.7% and GAAP EPS of $7.33–$7.38. That EPS range implies growth of 5.0%–5.7%, well below the 11.9% just delivered, and the margin guide sits under the 25.0% reported for fiscal 2026. On a non-GAAP basis the company guides adjusted revenue of $2.66–$2.68 billion and an adjusted operating margin of 24.1%–24.3%.
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Figures on this page come from the company's original SEC filings. The analysis is generated automatically and checked against validation rules, but may still contain errors or omissions. Not investment advice. · Generated 2026-09-17
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