Jack Henry Q1 FY27: revenue up 8.8%, EPS $2.28, FY27 guided to $2.708 billion
Jack Henry cleared its own bar: revenue rose 8.8% to $0.70 billion and EPS of $2.28 came in $0.18 above the $2.0987 consensus. The view is Bullish, with one asterisk — part of the headline growth came from one-time deconversion fees. Read the scorecard for the GAAP-versus-adjusted gap, then the guidance and the balance sheet for what carries forward.
1 · Expected vs. Actual
Free preview belowGAAP EPS of $2.28 rose 15.6% from $1.97 and beat the $2.0987 consensus by roughly $0.18, or 8.6%. Net income rose 11.4% to $0.16 billion while operating income rose 12.5%, so the operating margin of 29.5% did most of the work. A lower effective tax rate of 23.8% versus 24.3% and a smaller diluted share count of 70.3 million versus 72.9 million added to the per-share result.
Revenue of $0.70 billion rose 8.8% from $0.64 billion, with processing up 10.7% and services and support up 7.5%. Strip out $17.9 million of deconversion revenue and the acquired business, and adjusted revenue grew 7.2%. Key revenue — cloud services plus processing — grew 11.0% and now covers 73.3% of the total.
Management guided fiscal 2027 revenue to $2.698–$2.718 billion, a $2.708 billion mid-point, and GAAP EPS to $7.47–$7.51 at a 24.7%–24.9% operating margin. On the adjusted basis the company prefers, revenue is $2.667–$2.687 billion at a 24.1%–24.3% margin. The guidance assumes no acquisitions or dispositions will be made during fiscal year 2027.
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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 2026-11-06
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