Jack Henry and Associates Inc (JKHY)

Jack Henry Leaders to Present at Upcoming Investor ConferencesMay 29, 2026 8:00 AM
PR Newswire (US) MONETT, Mo., May 29, 2026 /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) announced today that it will be participating in several upcoming conferences. President & CEO Greg Adelson will present at the following conferences:The 2026 RBC Capital Markets Financial Technology Conference on June 9. The presentation takes place at 12:15 p.m. ET. A live webcast of the presentation will be accessible at https://kvgo.com/rbc/jack-henry-associates-inc-june-2026The Morgan Stanley US Financials Conference on June 10. The presentation takes place at 11:15 a.m. ET. A live webcast of the presentation will be accessible at https://event.webcasts.com/starthere.jsp?ei=1765597&tp_key=b75069e9b1&tp_special=8Chief Financial Officer & Treasurer Mimi Carsley will present at the following conferences:William Blair 46th Annual Growth Stock Conference on June 3rd. The presentation takes place at 11:00 a.m. ET. A live webcast of the presentation will be accessible at https://event.summitcast.com/view/DTqswnj6gGSWZ7ywFcvpAo/guest_book?session_id=JefRAiP7gdhQTxjjL2SABzBaird 2026 Global Consumer, Technology & Services Conference on June 4th. The presentation takes place at 10:50 a.m. ET. A live webcast of the presentation will be accessible at https://event.summitcast.com/view/NriaL3Fq4TKSQj3JUu9cyJ/guest_book?session_id=Lyh2bz2DyAWFHGzrE3UajXReplays will be available on the Jack Henry Investor Relations website following the live presentations.About Jack Henry & Associates, Inc.®
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.Statements made in this news release that are not historical facts are "forward-looking statements." Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading "Risk Factors." Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise. View original content to download multimedia:https://www.prnewswire.com/news-releases/jack-henry-leaders-to-present-at-upcoming-investor-conferences-302785288.htmlSOURCE Jack Henry & Associates, Inc. Original: Jack Henry Leaders to Present at Upcoming Investor Conferences

Jack Henry Named Among 2026 Best Places to Work in Financial TechnologyMay 19, 2026 10:05 AM
PR Newswire (US) Recognized for inclusive culture and employee appreciationMONETT, Mo., May 19, 2026 /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) has been named one of the 2026 Best Places to Work in Financial Technology by Arizent and Best Companies Group. This annual awards program recognizes leading employers in the financial technology industry. Honorees span a wide range of financial services and were evaluated on workplace practices, culture, systems, demographics, and employee experience. Winners were selected through a two-part survey process that measured employee satisfaction and examined benefits and policies."It's an honor to be recognized as a Best Place to Work in Financial Technology," said Jack Henry President and CEO Greg Adelson. "As we celebrate 50 years of living our founding philosophy -- 'do the right thing, do whatever it takes, and have fun' – this recognition reflects the culture we've built together. Our Associates are at the heart of our success, helping banks and credit unions win in the markets they serve through modern technology solutions."The 2026 list included 33 companies and was published by Arizent brands American Banker, National Mortgage News, PaymentsSource, Financial Planning and Digital Insurance. Jack Henry is the largest company recognized this year, employing more than 7,200 professionals and serving approximately 7,400 financial institution clients. "Each year, the Best Places to Work in Financial Technology offers a glimpse into the practices of fintechs whose employees rate their workplaces highly," said Penny Crosman, executive editor of technology at American Banker. "This year, employees appear to value remote work and schedule flexibility above all else, at a time when many traditional financial firms have enforced strict return-to-work policies."To be considered for participation, companies must provide technology products, services or solutions that enable the delivery of financial services. Companies must also have been in business for at least one full year and employ at least 15 people in the U.S. For more information on Arizent's Best Places to Work in Financial Technology program, including full eligibility criteria, visit BestPlacestoWorkinFinTech.com.About Jack Henry & Associates, Inc.®
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.Statements made in this news release that are not historical facts are "forward-looking statements." Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading "Risk Factors." Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise. View original content to download multimedia:https://www.prnewswire.com/news-releases/jack-henry-named-among-2026-best-places-to-work-in-financial-technology-302775092.htmlSOURCE Jack Henry & Associates, Inc. Original: Jack Henry Named Among 2026 Best Places to Work in Financial Technology

Jack Henry & Associates, Inc. Reports Third Quarter Fiscal 2026 ResultsMay 5, 2026 4:15 PM
PR Newswire (US) Third quarter summary:GAAP revenue increased 8.7% and GAAP operating income increased 11.8% for the fiscal three months ended March 31, 2026, compared to the prior fiscal year quarter.Non-GAAP adjusted revenue increased 7.3% and non-GAAP adjusted operating income increased 7.3% for the fiscal three months ended March 31, 2026, compared to the prior fiscal year quarter.1GAAP EPS was $1.71 per diluted share for the fiscal three months ended March 31, 2026, compared to $1.52 per diluted share in the prior fiscal year quarter representing growth of 12.2%.Stock repurchases for the fiscal three months ended March 31, 2026, were $159 million at an average of $162 per share.Fiscal year-to-date summary:GAAP revenue increased 8.0% and GAAP operating income increased 20.6% for the fiscal year-to-date period ended March 31, 2026, compared to the prior fiscal year-to-date period.Non-GAAP adjusted revenue increased 7.6% and non-GAAP adjusted operating income increased 16.7% for the fiscal year-to-date period ended March 31, 2026, compared to the prior fiscal year-to-date period.1GAAP EPS was $5.41 per diluted share for the fiscal year-to-date period ended March 31, 2026, compared to $4.49 per diluted share in the prior fiscal year-to-date period representing growth of 20.4%.Cash and cash equivalents were $20.6 million at March 31, 2026, and $39.9 million at March 31, 2025.Debt outstanding for credit facilities was $90 million at March 31, 2026, and $170 million at March 31, 2025.Stock repurchases for fiscal year-to-date period ended March 31, 2026, were $284 million at an average of $160 per share.Full year fiscal 2026 guidance (Dollars in millions):3
CurrentGAAPLowHighRevenue$2,521$2,533Operating margin424.7 %24.9 %EPS$6.78$6.87


Non-GAAP5

Adjusted revenue$2,479$2,491Adjusted operating margin23.9 %24.1 %MONETT, Mo., May 5, 2026 /PRNewswire/ -- Jack Henry & Associates, Inc. (Nasdaq: JKHY), a leading financial technology provider, today announced results for fiscal third quarter ended March 31, 2026.1 See tables below on page 4 reconciling non-GAAP financial measures to GAAP.2See table below on page 14 reconciling net income to non-GAAP EBITDA.3 The full fiscal year guidance assumes no additional acquisitions or dispositions will be made during fiscal year 2026.4Operating margin is calculated by dividing operating income by revenue.5See tables below on page 9 reconciling fiscal year 2026 GAAP to non-GAAP guidance.According to Greg Adelson, President and CEO, "We delivered very strong third-quarter financial results, reflecting our differentiated set of modern solutions, unwavering focus on helping banks and credit unions win in the markets they serve, and disciplined execution across our business. Sales momentum remained strong, highlighted by 17 competitive core wins in the quarter, our best third quarter for new core wins in the last seven years. The sales pipeline is increasing, fueled by increased technology spending and competitive uncertainty, positioning Jack Henry well for driving long-term growth and value creation."Operating ResultsRevenue, operating expenses, operating income, and net income for the fiscal three and nine months ended March 31, 2026, compared to the fiscal three and nine months ended March 31, 2025, were as follows:Revenue










(Unaudited, dollars in thousands)Three Months EndedMarch 31,
%
Change
Nine Months EndedMarch 31,
%
Change
2026
2025


2026
2025

Revenue










Services and Support$    365,149
$    330,792
10.4 %
$  1,087,808
$   1,010,498
7.7 %Percentage of Total Revenue57.4 %
56.5 %


57.2 %
57.4 %

Processing271,096
254,295
6.6 %
812,508
749,418
8.4 %Percentage of Total Revenue42.6 %
43.5 %


42.8 %
42.6 %

REVENUE$   636,245
$    585,087
8.7 %
$  1,900,316
$    1,759,916
8.0 %Services and support revenue increased for the fiscal three months ended March 31, 2026, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 9.4% and higher deconversion revenue by $9,021. Processing revenue increased for the fiscal three months ended March 31, 2026, primarily driven by growth in digital and transaction revenue of 9.9%, card revenue of 3.6%, and faster payments revenue of 46.4%.Services and support revenue increased for the fiscal nine months ended March 31, 2026, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 8.9% and higher deconversion revenue by $20,094. Processing revenue increased for the fiscal nine months ended March 31, 2026, primarily driven by growth in digital and transaction revenue of 12.8%, card revenue of 6.2%, and faster payments revenue of 50.5%.For the fiscal three months ended March 31, 2026, core segment revenue increased 9.2%, payments segment revenue increased 7.0%, complementary segment revenue increased 8.7%, and corporate services segment revenue increased 27.5%. For the fiscal three months ended March 31, 2026, core segment non-GAAP adjusted revenue increased 8.6%, payments segment non-GAAP adjusted revenue increased 4.7%, complementary segment non-GAAP adjusted revenue increased 7.2%, and corporate services non-GAAP adjusted segment revenue increased 27.1%. Total non-GAAP adjusted revenue increased 7.3% for the same period (see revenue lines of segment break-out tables on pages 5 and 6 below for a reconciliation of GAAP segment revenue to non-GAAP adjusted segment revenue).For the fiscal nine months ended March 31, 2026, core segment revenue increased 5.9%, payments segment revenue increased 8.0%, complementary segment revenue increased 9.5%, and corporate services segment revenue increased 14.5%. For the fiscal nine months ended March 31, 2026, core segment non-GAAP adjusted revenue increased 7.4%, payments segment non-GAAP adjusted revenue increased 6.5%, complementary segment non-GAAP adjusted revenue increased 8.4%, and corporate services non-GAAP adjusted segment revenue increased 14.2%. Total non-GAAP adjusted revenue increased 7.6% for the same period (see revenue lines of segment break-out tables on pages 7 and 8 below for a reconciliation of GAAP segment revenue to non-GAAP adjusted segment revenue).Operating Expenses and Operating Income








(Unaudited, dollars in thousands)Three Months EndedMarch 31,
% Change
Nine Months EndedMarch 31,
% Change

2026
2025


2026
2025


Cost of Revenue$   363,922
$   340,586
6.9 %
$ 1,063,476
$   1,016,868
4.6 %
Percentage of Total Revenue657.2 %
58.2 %


56.0 %
57.8 %


Research and Development45,110
39,411
14.5 %
126,615
120,192
5.3 %
Percentage of Total Revenue67.1 %
6.7 %


6.7 %
6.8 %


Selling, General, and Administrative72,166
66,350
8.8 %
211,965
209,839
1.0 %
Percentage of Total Revenue611.3 %
11.3 %


11.2 %
11.9 %


OPERATING EXPENSES481,198
446,347
7.8 %
1,402,056
1,346,899
4.1 %













OPERATING INCOME$   155,047
$     138,740
11.8 %
$   498,260
$     413,017
20.6 %
Operating Margin624.4 %
23.7 %


26.2 %
23.5 %


Cost of revenue increased for the fiscal three months ended March 31, 2026, compared to the fiscal three months ended March 31, 2025, primarily due to higher personnel costs, including compensation and benefit costs, partially related to a headcount increase in the trailing twelve months, higher direct costs generally consistent with increases in related lines of revenue, as well as increased amortization of intangible assets.Cost of revenue increased for the fiscal nine months ended March 31, 2026, compared to the fiscal nine months ended March 31, 2025, primarily due to higher personnel costs, including compensation and benefit costs, partially related to a headcount increase in the trailing twelve months, higher direct costs generally consistent with increases in related lines of revenue, and increased amortization of intangible assets. Personnel cost increases over the prior year period were tempered by lower than normal medical claims earlier in the fiscal year.Research and development expense increased for the fiscal three and nine months ended March 31, 2026, compared to the fiscal three and nine months ended March 31, 2025, primarily due to higher personnel costs (net of capitalization), including compensation and benefit costs, partially related to a headcount increase in the trailing twelve months.Selling, general, and administrative expense increased for the fiscal three months ended March 31, 2026, compared to the fiscal three months ended March 31, 2025, primarily due to higher personnel costs, including compensation and benefit costs, partially related to a headcount increase in the trailing twelve months.Selling, general, and administrative expense increased for the fiscal nine months ended March 31, 2026, compared to the fiscal nine months ended March 31, 2025, primarily due to higher personnel costs, including compensation and benefit costs, partially related to a headcount increase in the trailing twelve months and the higher gain on assets, net, in the current fiscal year period of $5,267 compared to the prior fiscal year period. Personnel cost increases over the prior year period were tempered by lower than normal medical claims earlier in the fiscal year.Net Income(Unaudited, in thousands, except per share data)Three Months EndedMarch 31,
% Change
Nine Months EndedMarch 31,
% Change
2026
2025


2026
2025

Income Before Income Taxes$      158,541
$       141,908
11.7 %
$      513,052
$      426,087
20.4 %Provision for Income Taxes35,647
30,800
15.7 %
121,503
97,943
24.1 %NET INCOME$      122,894
$         111,108
10.6 %
$      391,549
$      328,144
19.3 %Diluted earnings per share$            1.71
$           1.52
12.2 %
$          5.41
$          4.49
20.4 %Effective tax rates for the fiscal three and nine months ended March 31, 2026, and 2025, were 22.5% and 23.7% and 21.7% and 23.0%, respectively.According to Mimi Carsley, CFO and Treasurer, "During the third quarter, we delivered strong growth in several key revenue areas, including continued expansion in cloud revenue and solid performance from our faster payments products and digital offerings. We anticipate relative weakness to the year to date in fiscal Q4 non-GAAP revenue and margins consistent with previously stated expectations. Based on our positive outlook, we have increased our full year non-GAAP revenue, non-GAAP margin expansion, and GAAP EPS guidance."
6Operating margin is calculated by dividing operating income by revenue. Operating margin plus operating expense components as a percentage of total revenue may not equal 100% due to rounding.Impact of Non-GAAP AdjustmentsThe tables below show our revenue, operating income, and net income for the fiscal three and nine months ended March 31, 2026, compared to the fiscal three and nine months ended March 31, 2025, excluding the impacts of deconversions in the fiscal quarter and fiscal year-to-date periods ended March 31, 2026, and March 31, 2025, the acquisition in the current fiscal quarter and fiscal year-to-date period, the gain on assets, net, in the current fiscal year-to-date period, and the impact of a contract change in the prior fiscal quarter and fiscal year-to-date period.(Unaudited, dollars in thousands)Three Months Ended
March 31,
% Change
Nine Months Ended
March 31,
% Change
2026
2025


2026
2025













GAAP Revenue*$  636,245
$   585,087
8.7 %
$ 1,900,316
$  1,759,916
8.0 %











Adjustments:










Deconversion revenue(18,665)
(9,644)


(33,504)
(13,410)

Revenue related to a contract change—
(1,201)


—
(14,672)

Revenue from the acquisition(1,651)
—


(3,595)
—













NON-GAAP ADJUSTED REVENUE*$   615,929
$   574,242
7.3 %
$ 1,863,217
$ 1,731,834
7.6 %























GAAP Operating Income$   155,047
$   138,740
11.8 %
$  498,260
$    413,017
20.6 %











Adjustments:










Operating income from deconversions(14,635)
(6,851)


(25,337)
(9,724)

Operating income related to a contract change—
(209)


—
(2,178)

Gain on assets, net—
—


(6,829)
—

Operating loss from the acquisition833
—


1,817
—













NON-GAAP ADJUSTED OPERATING INCOME$   141,245
$    131,680
7.3 %
$   467,911
$    401,115
16.7 %Non-GAAP Adjusted Operating Margin**22.9 %
22.9 %


25.1 %
23.2 %













GAAP Net Income$   122,894
$     111,108
10.6 %
$  391,549
$   328,144
19.3 %











Adjustments:










Net income from deconversions(14,635)
(6,851)


(25,337)
(9,724)

Net income related to a contract change—
(209)


—
(2,178)

Gain on assets, net—
—


(6,829)
—

Net loss from the acquisition833
—


1,817
—

Tax impact of adjustments***3,313
1,694


7,284
2,857













NON-GAAP ADJUSTED NET INCOME$    112,405
$    105,742
6.3 %
$ 368,484
$   319,099
15.5 %
*GAAP revenue is comprised of services and support and processing revenues (see page 2). Services and support revenue less deconversion revenue for the three months ended March 31, 2026, and 2025, which was $18,665 for the current fiscal year quarter and $9,644 for the prior fiscal year quarter, and reducing the three months ended March 31, 2025, amount also for revenue related to a contractual change of $1,201, results in non-GAAP adjusted services and support revenue growth of 8.3% quarter over quarter. Processing revenue less revenue from the acquisition for the three months ended March 31, 2026, of $1,651, results in non-GAAP adjusted processing revenue growth of 6.0% quarter over quarter.
Services and support revenue less deconversion revenue for the nine months ended March 31, 2026, and 2025 which was $33,504 for the current fiscal year period and $13,410 for the prior fiscal year period, and reducing the nine months ended March 31, 2025, amount also for revenue related to a contractual change of $14,672, results in non-GAAP adjusted services and support revenue growth of 7.3% period over period. Processing revenue less revenue from the acquisition for the three months ended March 31, 2026, of $3,595, results in non-GAAP adjusted processing revenue growth of 7.9% period over period.
**Non-GAAP adjusted operating margin is calculated by dividing non-GAAP adjusted operating income by non-GAAP adjusted revenue.
***The tax impact of adjustments is calculated using a tax rate of 24% for the fiscal three and nine months ended March 31, 2026, and 2025. The tax rate for non-GAAP adjustment items takes a broad look at the Company's recurring tax adjustments and applies them to non-GAAP revenue that does not have its own specific tax impacts.The tables below show the segment break-out of revenue and cost of revenue for each period presented, as adjusted for the items above, and include a reconciliation to non-GAAP adjusted operating income presented above.
Three Months Ended March 31, 2026(Unaudited, dollars in thousands)Core
Payments
Complementary
Corporate
Services
TotalGAAP REVENUE$ 195,448
$ 232,720
$          187,489
$   20,588
$ 636,245Non-GAAP adjustments*(7,506)
(7,574)
(5,054)
(182)
(20,316)NON-GAAP ADJUSTED REVENUE187,942
225,146
182,435
20,406
615,929









GAAP COST OF REVENUE81,208
119,602
72,192
90,920
363,922Non-GAAP adjustments*(1,971)
(1,577)
(482)
(166)
(4,196)NON-GAAP ADJUSTED COST OF REVENUE79,237
118,025
71,710
90,754
359,726









GAAP SEGMENT INCOME$  114,240
$    113,118
$           115,297
$  (70,332)

Segment Income Margin**58.5 %
48.6 %
61.5 %
(341.6) %











NON-GAAP ADJUSTED SEGMENT INCOME$ 108,705
$   107,121
$           110,725
$  (70,348)

Non-GAAP Adjusted Segment Income Margin**57.8 %
47.6 %
60.7 %
(344.7) %











Research and Development







45,110Selling, General, and Administrative







72,166Non-GAAP adjustments unassigned to a segment***






(2,318)NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES






474,684









NON-GAAP ADJUSTED OPERATING INCOME






$  141,245
*Revenue non-GAAP adjustments for the Payments segment were ($1,651) of acquisition revenue and ($5,923) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Payments segment were ($1,453) of acquisition costs and ($124) of deconversion costs. Cost of revenue non-GAAP adjustments for the Corporate Services segment were ($160) of acquisition costs and ($6) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.
**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.
***Non-GAAP adjustments unassigned to a segment were deconversion costs of $1,446, research and development costs related to the acquisition of $841, and selling, general, and administrative costs related to the acquisition of $31.

Three Months Ended March 31, 2025(Unaudited, dollars in thousands)Core
Payments
Complementary
Corporate
Services
TotalGAAP REVENUE$  179,052
$  217,449
$          172,442
$     16,144
$  585,087Non-GAAP adjustments*(6,039)
(2,394)
(2,324)
(88)
(10,845)NON-GAAP ADJUSTED REVENUE173,013
215,055
170,118
16,056
574,242









GAAP COST OF REVENUE74,713
116,266
69,077
80,530
340,586Non-GAAP adjustments*(2,232)
(109)
(519)
(5)
(2,865)NON-GAAP ADJUSTED COST OF REVENUE72,481
116,157
68,558
80,525
337,721









GAAP SEGMENT INCOME$ 104,339
$   101,183
$          103,365
$  (64,386)

Segment Income Margin**58.3 %
46.5 %
59.9 %
(398.8) %











NON-GAAP ADJUSTED SEGMENT INCOME$ 100,532
$  98,898
$           101,560
$  (64,469)

Non-GAAP Adjusted Segment Income Margin58.1 %
46.0 %
59.7 %
(401.5) %











Research and Development







39,411Selling, General, and Administrative







66,350Non-GAAP adjustments unassigned to a segment***






(920)NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES






442,562









NON-GAAP ADJUSTED OPERATING INCOME






$   131,680

*Revenue non-GAAP adjustments for the Core segment were ($1,201) of revenue related to the contractual change and ($4,838) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Core segment were cost of revenue related to a contractual change of ($992) and ($1,240) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.
***Non-GAAP adjustments unassigned to a segment were deconversion costs.

Nine Months Ended March 31, 2026(Unaudited, dollars in thousands)Core
Payments
Complementary
Corporate
Services
TotalGAAP REVENUE$ 576,841
$ 695,588
$          563,414
$   64,473
$ 1,900,316Non-GAAP adjustments*(13,775)
(14,399)
(8,632)
(293)
(37,099)NON-GAAP ADJUSTED REVENUE563,066
681,189
554,782
64,180
1,863,217









GAAP COST OF REVENUE229,130
358,306
213,717
262,323
1,063,476Non-GAAP adjustments*(3,117)
(4,276)
(1,078)
(260)
(8,731)NON-GAAP ADJUSTED COST OF REVENUE226,013
354,030
212,639
262,063
1,054,745









GAAP SEGMENT INCOME$   347,711
$ 337,282
$         349,697
$ (197,850)

Segment Income Margin**60.3 %
48.5 %
62.1 %
(306.9) %











NON-GAAP ADJUSTED SEGMENT INCOME$ 337,053
$  327,159
$          342,143
$ (197,883)

Non-GAAP Adjusted Segment Income Margin59.9 %
48.0 %
61.7 %
(308.3) %











Research and Development







126,615Selling, General, and Administrative







211,965Non-GAAP adjustments unassigned to a segment***






1,981NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES






1,395,306









NON-GAAP ADJUSTED OPERATING INCOME






$   467,911
*Revenue non-GAAP adjustments for the Payments segment were ($3,595) of acquisition revenue and ($10,804) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Payments segment were ($3,863) of acquisition costs and ($413) of deconversion costs. Cost of revenue non-GAAP adjustments for the Corporate Services segment were ($253) of acquisition costs and ($7) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.
**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.
***Non-GAAP adjustments unassigned to a segment were a gain on assets, net, of $6,829 less deconversion costs of $3,551, research and development costs related to the acquisition of $1,213, and selling, general, and administrative costs related to the acquisition of $84.
Nine Months Ended March 31, 2025(Unaudited, dollars in thousands)Core
Payments
Complementary
Corporate
Services
TotalGAAP REVENUE$ 544,948
$ 644,207
$          514,454
$   56,307
$  1,759,916Non-GAAP adjustments*(20,777)
(4,341)
(2,857)
(107)
(28,082)NON-GAAP ADJUSTED REVENUE524,171
639,866
511,597
56,200
1,731,834









GAAP COST OF REVENUE225,850
344,023
200,763
246,232
1,016,868Non-GAAP adjustments*(13,859)
(180)
(678)
(5)
(14,722)NON-GAAP ADJUSTED COST OF REVENUE211,991
343,843
200,085
246,227
1,002,146









GAAP SEGMENT INCOME$ 319,098
$ 300,184
$           313,691
$ (189,925)

Segment Income Margin**58.6 %
46.6 %
61.0 %
(337.3) %











NON-GAAP ADJUSTED SEGMENT INCOME$  312,180
$ 296,023
$            311,512
$ (190,027)

Non-GAAP Adjusted Segment Income Margin59.6 %
46.3 %
60.9 %
(338.1) %











Research and Development







120,192Selling, General, and Administrative







209,839Non-GAAP adjustments unassigned to a segment***






(1,458)NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES






1,330,719









NON-GAAP ADJUSTED OPERATING INCOME






$    401,115
*Revenue non-GAAP adjustments for the Core segment were ($14,672) of revenue related to the contractual change and ($6,105) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Core segment were cost of revenue related to a contractual change of ($12,494) and ($1,365) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.
**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.
***Non-GAAP adjustments unassigned to a segment were deconversion costs.The table below shows our GAAP to non-GAAP guidance for the fiscal year ending June 30, 2026. Fiscal year 2026 non-GAAP guidance excludes the impacts of deconversion revenue and related operating expenses, acquisition revenues and related operating expenses, the revenues and operating expenses related to a contractual change, and the gain on assets, net, and assumes no additional acquisitions or dispositions will be made during the fiscal year.
GAAP to Non-GAAP GUIDANCE (Dollars in
millions, except per share data)
Annual FY'26
Adjusted for
FY26
Comparison
Reported
Contractual
Change


Low
High
FY25
FY25
FY25
GAAP REVENUE
$  2,521
$ 2,533
$       2,375
$    2,375
$            —
     Growth
6.1 %
6.6 %






Deconversions*
37
37
34
34
—
Acquisition
5
5
—
—
—
Contractual change
—
—
16
—
16
NON-GAAP ADJUSTED REVENUE**
$  2,479
$  2,491
$       2,326
$    2,341
$           (16)
     Non-GAAP Adjusted Growth
6.6 %
7.1 %


















GAAP OPERATING EXPENSES
$  1,899
$  1,903
$       1,807
$    1,807
$            —
     Growth
5.1 %
5.3 %






Deconversion costs*
12
12
6
6
—
Acquisition costs
8
8
—
—
—
Contractual change
—
—
14
—
14
Gain on assets, net
(7)
(7)
—
—
—
NON-GAAP ADJUSTED OPERATING EXPENSES**
$  1,886
$  1,890
$       1,787
$    1,800
$           (14)
     Non-GAAP Adjusted Growth
5.6 %
5.8 %


















GAAP OPERATING INCOME
$    622
$   630
$        569
$     569
$            —
     Growth
9.3 %
10.7 %


















GAAP OPERATING MARGIN
24.7 %
24.9 %
23.9 %
23.9 %














NON-GAAP ADJUSTED OPERATING INCOME**
$   593
$    601
$         539
$      541
$            (2)
     Non-GAAP Adjusted Growth
10.1 %
11.5 %


















NON-GAAP ADJUSTED OPERATING MARGIN
23.9 %
24.1 %
23.2 %
23.1 %














GAAP EPS
$   6.78
$   6.87
$        6.24
$     6.24
$            —
     Growth
8.7 %
10.0 %

















*Deconversion revenue and related operating expenses are based on actual results for fiscal nine months ended March 31, 2026, and estimates for the remainder of the fiscal year 2026. See the Company's Form 8-K filed with the Securities and Exchange Commission on April 28, 2026.
**GAAP to Non-GAAP revenue, operating expenses, and operating income may not foot due to rounding.Balance Sheet and Cash Flow ReviewCash and cash equivalents were $21 million at March 31, 2026, compared to $40 million at March 31, 2025.Trade receivables were $282 million at March 31, 2026, and March 31, 2025. The Company had $90 million of borrowings at March 31, 2026, compared to $170 million of borrowings at March 31, 2025.Deferred revenue was $209 million at March 31, 2026, compared to $222 million at March 31, 2025.Stockholders' equity increased to $2,135 million at March 31, 2026, compared to $2,036 million at March 31, 2025.*See table below for Net Cash Provided by Operating Activities and on page 14 for Return on Average Stockholders' Equity. Tables reconciling the non-GAAP measures Free Cash Flow and Net Operating Profit After Tax Return on Invested Capital (NOPAT ROIC) to GAAP measures are on pages 14 and 15. See the Use of Non-GAAP Financial Information section below for the definitions of Free Cash Flow and NOPAT ROIC.The following table summarizes net cash from operating activities:(Unaudited, in thousands)Nine Months Ended March 31,
2026
2025Net income$              391,549
$               328,144Depreciation31,238
33,125Amortization127,462
120,136Change in deferred income taxes100,347
(12,765)Other non-cash expenses21,512
22,411Change in receivables37,379
50,871Change in deferred revenue(154,631)
(167,104)Change in other assets and liabilities*(95,570)
(60,426)NET CASH FROM OPERATING ACTIVITIES$              459,286
$               314,392
*For the fiscal nine months ended March 31, 2026, the change in other assets and liabilities includes the change in prepaid expenses, deferred costs and other of $(61,680), accrued expenses of $(19,137), income taxes of $(8,383), and the change in accounts payable of $(6,370). For the fiscal nine months ended March 31, 2025, the change in other assets and liabilities includes the change in prepaid expenses, deferred costs and other of $(42,989), the change in accrued expenses of $(23,436), and the change in accounts payable of $(9,541) partially offset by the change in income taxes of $15,540.The following table summarizes net cash from investing activities:(Unaudited, in thousands)Nine Months Ended March 31,
2026
2025Payment for acquisitions$              (42,390)
$                      —Capital expenditures(46,616)
(41,186)Proceeds from sale of assets24,572
—Purchased software(2,998)
(3,833)Computer software developed(140,003)
(130,298)Purchase of investments(13,710)
(2,000)Proceeds from investments1,000
1,000NET CASH FROM INVESTING ACTIVITIES$             (220,145)
$               (176,317)The following table summarizes net cash from financing activities:(Unaudited, in thousands)Nine Months Ended March 31,
2026
2025Borrowings on credit facilities$            360,000
$             255,000Repayments on credit facilities(270,000)
(235,000)Purchase of treasury stock(284,414)
(35,052)Dividends paid(127,457)
(122,464)Net cash from issuance of stock and tax related to stock-based compensation1,350
1,027NET CASH FROM FINANCING ACTIVITIES$            (320,521)
$            (136,489)Use of Non-GAAP Financial InformationGenerally Accepted Accounting Principles (GAAP) is the term used to refer to the standard framework of guidelines for financial accounting in the United States. GAAP includes the standards, conventions, and rules accountants follow in recording and summarizing transactions in the preparation of financial statements. In addition to reporting financial results in accordance with GAAP, we have provided certain non-GAAP financial measures, including adjusted revenue, adjusted segment revenue, adjusted operating income, adjusted segment income, adjusted cost of revenue, adjusted segment cost of revenue, adjusted operating expenses, adjusted operating margin, adjusted segment income margin, non-GAAP earnings before interest, taxes, depreciation, and amortization (non-GAAP EBITDA), free cash flow, net operating profit after tax return on invested capital (NOPAT ROIC), and non-GAAP adjusted net income.We believe non-GAAP financial measures help investors better understand the underlying fundamentals and true operations of our business. Adjusted revenue, adjusted segment revenue, adjusted operating income, adjusted operating margin, adjusted segment income, adjusted segment income margin, adjusted cost of revenue, adjusted segment cost of revenue, adjusted operating expenses, and adjusted net income eliminate one-time deconversion revenue and associated costs, the gain on assets, net, an acquisition, and a contractual change, which management believes are not indicative of the Company's operating performance. Such adjustments give investors further insight into our performance. Non-GAAP EBITDA is defined as net income attributable to the Company before the effect of interest income, net, taxes, depreciation, and amortization, adjusted for net income before the effect of interest income, net, taxes, depreciation, and amortization attributable to eliminated one-time deconversions, the gain on assets, net, an acquisition, and a contractual change. Free cash flow is defined as net cash from operating activities, less capitalized expenditures, internal use software, and capitalized software, plus proceeds from the sale of assets. NOPAT ROIC is defined as operating income for the trailing four quarters multiplied by one minus the average effective tax rate (ETR) for the trailing four quarters, with the result divided by average invested capital (average of the beginning and ending period balances). Management believes that non-GAAP EBITDA is an important measure of the Company's overall operating performance and excludes certain costs and other transactions that management deems one time or non-operational in nature; free cash flow is useful to measure the funds generated in a given period that are available for debt service requirements and strategic capital decisions; and NOPAT ROIC is a measure of the Company's allocation efficiency and effectiveness of its invested capital. For these reasons, management also uses these non-GAAP financial measures in its assessment and management of the Company's performance.Non-GAAP financial measures used by the Company may not be comparable to similarly titled non-GAAP measures used by other companies. Non-GAAP financial measures have no standardized meaning prescribed by GAAP and therefore, are unlikely to be comparable with calculations of similar measures for other companies.Any non-GAAP financial measures should be considered in context with the GAAP financial presentation and should not be considered in isolation or as a substitute for GAAP measures. Reconciliations of the non-GAAP financial measures to related GAAP measures are included.About Jack Henry & Associates, Inc.®Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity — offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.Statements made in this news release that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors. Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.Quarterly Conference CallThe Company will hold a conference call on May 6, 2026, at 7:45 a.m. Central Time, and investors are invited to listen at www.jackhenry.com. A webcast replay will be available approximately one hour after the event at ir.jackhenry.com/corporate-events-and-presentations and will remain available for one year.Condensed Consolidated Statements of Income (Unaudited)(Dollars in thousands, except per share data)Three Months Ended March 31,
% Change
Nine Months Ended March 31,
% Change
2026
2025


2026
2025













REVENUE$       636,245
$       585,087
8.7 %
$     1,900,316
$      1,759,916
8.0 %











Cost of Revenue363,922
340,586
6.9 %
1,063,476
1,016,868
4.6 %Research and Development45,110
39,411
14.5 %
126,615
120,192
5.3 %Selling, General, and Administrative72,166
66,350
8.8 %
211,965
209,839
1.0 %EXPENSES481,198
446,347
7.8 %
1,402,056
1,346,899
4.1 %











OPERATING INCOME155,047
138,740
11.8 %
498,260
413,017
20.6 %











Interest income4,869
5,899
(17.5) %
18,194
21,406
(15.0) %Interest expense(1,375)
(2,731)
(49.7) %
(3,402)
(8,336)
(59.2) %Interest Income, net3,494
3,168
10.3 %
14,792
13,070
13.2 %











INCOME BEFORE INCOME TAXES158,541
141,908
11.7 %
513,052
426,087
20.4 %











Provision for Income Taxes35,647
30,800
15.7 %
121,503
97,943
24.1 %











NET INCOME$        122,894
$           111,108
10.6 %
$       391,549
$       328,144
19.3 %











Diluted net income per share$             1.71
$             1.52


$           5.41
$           4.49

Diluted weighted average shares outstanding71,978
73,013


72,433
73,058













Consolidated Balance Sheet Highlights (Unaudited)(In thousands)





March 31,
% Change






2026
2025

Cash and cash equivalents





$        20,573
$        39,870
(48.4) %Receivables





282,463
282,162
0.1 %Total assets





3,050,557
2,932,018
4.0 %











Accounts payable and accrued expenses




$        212,133
$       201,389
5.3 %Current and long-term debt





90,000
170,000
(47.1) %Deferred revenue





208,742
221,828
(5.9) %Stockholders' equity





2,134,811
2,036,431
4.8 %



































Calculation of Non-GAAP Earnings Before Interest Income, Net, Income Taxes, Depreciation and Amortization (Non-GAAP EBITDA)
Three Months Ended March 31,
% Change
Nine Months Ended March 31,
% Change(Dollars in thousands)2026
2025


2026
2025

Net income$        122,894
$           111,108


$       391,549
$       328,144

Net interest(3,494)
(3,168)


(14,792)
(13,070)

Taxes35,647
30,800


121,503
97,943

Depreciation and amortization53,653
51,013


158,700
153,261

Less: Net income before interest expense, taxes, depreciation and amortization attributable to eliminated one-time adjustments*(14,275)
(7,060)


(31,290)
(11,901)

NON-GAAP EBITDA$       194,425
$        182,693
6.4 %
$      625,670
$       554,377
12.9 %*The fiscal third quarter 2026 and 2025 adjustments for net income before interest expense, taxes, depreciation and amortization were for deconversions of ($14,636) and an acquisition of $361, and were for deconversions of $6,851 and a contract change of $209, respectively. The fiscal year-to-date 2026 and 2025 adjustments were for deconversions of ($25,337), a gain on assets, net, of ($6,829), and an acquisition of $876, and were for deconversions of ($9,723) and a contractual change of ($2,178), respectively.












Calculation of Free Cash Flow (Non-GAAP)




Nine Months Ended March 31,

(In thousands)





2026
2025

Net cash from operating activities




$      459,286
$       314,392

Capitalized expenditures





(46,616)
(41,186)

Internal use software





(2,998)
(3,833)

Proceeds from sale of assets





24,572
—

Capitalized software





(140,003)
(130,298)

FREE CASH FLOW





$       294,241
$       139,075













Net income





$       391,549
$       328,144

Operating cash conversion*





117.3 %
95.8 %

Free cash flow conversion (excluding proceeds from sale of assets)*




68.9 %
42.4 %

*Operating cash conversion is net cash from operating activities divided by net income. Free cash flow conversion is free cash flow less proceeds from sale of assets of $24,572 for fiscal 2026 and $0 for fiscal 2025 divided by net income.











Calculation of the Return on Average Stockholders' Equity


March 31,

(In thousands)





2026
2025

Net income (trailing four quarters)




$       519,153
$        429,217

Average stockholder's equity (period beginning and ending balances)


2,085,621
1,908,181

RETURN ON AVERAGE STOCKHOLDERS' EQUITY




24.9 %
22.5 %













Calculation of NOPAT ROIC (Non-GAAP)





March 31,

(In thousands)





2026
2025

Operating income (trailing four quarters)




$     653,957
$     538,644

Average Effective Tax Rate (trailing four quarters)


22.8 %
22.8 %

NOPAT operating income (trailing four quarters)*
504,855
415,833

Average invested capital (period beginning and ending balances)
2,215,621
2,118,181













NOPAT ROIC





22.8 %
19.6 %

*NOPAT operating income is calculated by multiplying the trailing four quarters operating income by one minus the average ETR. NOPAT ROIC is calculated by dividing NOPAT operating income by average invested capital (period beginning and ending balances).FAQ for Analysts / Investors1.)  Why does fiscal 2025 non-GAAP revenue used for growth calculation not match reported fiscal 2025 non-GAAP revenue?The restructuring of a third-party agreement has resulted in a $16 million fiscal year-over-year revenue headwind, with $12 million of that coming in the first quarter and $3 million additional in the second and third quarters.The remaining $1 million is expected to impact the fourth quarter.This restructuring has also resulted in a decrease in the related costs and the impact on margins is expected to be minimal.This has been adjusted for a consistent fiscal year-over-year comparison and is included in our fiscal year 2026 guidance (see page 9).2.) What are some key elements of the outlook for the fourth quarter of fiscal 2026?We expect the year-over-year revenue growth rates to slow slightly as we face overall tougher prior year comparables from the fourth quarter of fiscal 2025.We expect some contraction in margins in the fourth quarter of fiscal 2026 compared to the fiscal year-to-date period margins that positively benefited from lower than normal expense for medical claims under our self-insured employee healthcare plan, especially during the first and second quarters. View original content to download multimedia:https://www.prnewswire.com/news-releases/jack-henry--associates-inc-reports-third-quarter-fiscal-2026-results-302763219.htmlSOURCE Jack Henry & Associates, Inc. Original: Jack Henry & Associates, Inc. Reports Third Quarter Fiscal 2026 Results

Jack Henry Announces Fiscal 2026 Third Quarter Deconversion Revenue ResultsApril 28, 2026 4:30 PM
PR Newswire (US)

MONETT, Mo., April 28, 2026 /PRNewswire/ -- Jack Henry & Associates, Inc.® (Nasdaq: JKHY) announced today that deconversion revenue for the fiscal third quarter, ended Mar. 31, 2026, was $18.7 million. Based on these results, the deconversion revenue estimate has been increased to $37 million for full year fiscal 2026 guidance. For more information about how guidance is developed for deconversion revenue estimates, please see Jack Henry's Current Report on Form 8-K filed with the Securities and Exchange Commission on Aug. 3, 2023.







The majority of deconversion revenue is generated when one of Jack Henry's clients agrees to be acquired by another financial institution, resulting in the termination of the client's contract with Jack Henry. In these circumstances, Jack Henry's recognition of deconversion revenue is driven by factors outside Jack Henry's control, and this revenue does not represent the true operations of Jack Henry's ongoing business of providing services to clients. As a result, Jack Henry excludes deconversion revenue from non-GAAP revenue reported in its quarterly and annual earnings releases.Statements made in this press release that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in Jack Henry's Securities and Exchange Commission filings, including Jack Henry's most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors. Any forward-looking statement made in this current report speaks only as of the date of the current report, and Jack Henry's expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.About Jack Henry & Associates, Inc.®
Jack HenryTM (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For nearly 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.



View original content to download multimedia:https://www.prnewswire.com/news-releases/jack-henry-announces-fiscal-2026-third-quarter-deconversion-revenue-results-302755703.htmlSOURCE Jack Henry & Associates, Inc.

Original: Jack Henry Announces Fiscal 2026 Third Quarter Deconversion Revenue Results

Jack Henry's Annual Survey of Financial Institutions Highlights Priorities Amid Economic Uncertainty and a New Hybrid Monetary EraApril 28, 2026 1:00 PM
PR Newswire (US)

Banks and credit unions plan to increase technology spending, led by investments in AI, digital banking, and data analyticsMONETT, Mo., April 28, 2026 /PRNewswire/ -- Banks and credit unions are prioritizing operational efficiency, deposit growth, and new payment capabilities as they navigate economic uncertainty and increasing technological complexity, according to findings from Jack Henry's eighth annual Strategy Benchmark.







Jack Henry® (Nasdaq: JKHY) surveyed 193 executives from financial institutions using Jack Henry solutions. The survey highlights the industry's most pressing strategic priorities, top concerns, and technology investment plans for the next two years."Banks and credit unions have finally recognized their biggest competitive threat in Big Fintech and Big Crypto," says Lee Wetherington, Senior Director of Corporate Strategy and lead author of the benchmark. "As we enter a new hybrid monetary era, the game is changing and charter franchises are under attack. The goal of strategy is no longer simply to win but to ensure you're competing to win the right game."The vast majority of financial institutions plan to increase technology spending, with 88% expecting to raise their tech budgets over the next two years, up from 76% last year. Four in 10 institutions (41%) plan increases of 6% to 10%, compared with 33% a year ago. Artificial intelligence (48%) is the top planned technology investment for the first time, followed by digital banking (38%) and data analytics (32%). While banks remain focused on growing deposits (64%) as their top strategic priority in 2026-2027, credit unions (40%) continue to place outsized emphasis on acquiring younger accountholders (Gen Z/Alpha)."Financial institutions are in a high-stakes race for Gen Z and small business," says Jennifer Geis, Senior Strategic Advisor of Corporate Strategy at Jack Henry and Managing Editor of the study. "Given Gen Z now drives most small-business formation—and given small-business deposits are 4-5X larger than retail—understanding and meeting the unique needs of "bizumers" is key to growth, whether you frame it in terms of deposits or demographics."Among the highlights from the survey:PaymentsMore than nine out of 10 CEOs (94%) plan to add new payment services within the next two years, yet only 36% have a formal payments strategy in place.More than four out of five (82%) financial institutions plan to incorporate tap-to-pay as part of their strategy to add younger accountholders.Nearly half (47%) of CEOs plan to embed payments into their digital banking experience over the next two years.Small Business FocusThree out of four CEOs say they plan to expand services for small- and medium-sized businesses (SMBs).The most common planned addition is payment services, including FedNow®, request for payment, and tap-to-pay. 
 Cryptocurrency18% of CEOs plan to support stablecoins, tokenized money, and/or cryptocurrency by the end of 2027. This includes:Tokenized deposits/deposit tokensSupport for on-chain wallets for accountholdersAbility to orchestrate, exchange, and settle dollars to and from stablecoins/crypto.However, only 3% of CEOs report having a formal stablecoin strategy in place.
 Getting YoungerThe second most important strategic priority for credit unions (and fourth overall) is adding younger accountholders. It is also one of the top three concerns for CEOs.More than 40% of credit unions have a formal strategy, compared to just 10% of banks.Fintechs and neobanks are considered the biggest competitive threat in this area.Data analytics and AILeveraging data is the 5th most important strategic priority overall among banks and credit unionsPlans to implement AI grew double digits compared to last year1/3 of FIs plan to embed data collection/analysis tools within digital bankingThe study's results are based on an online survey conducted in January and February 2026 of a diverse sample of Jack Henry clients with assets ranging from less than $500 million to more than $5 billion. Download the eBook to learn more.About Jack Henry & Associates, Inc.®
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.Statements made in this news release that are not historical facts are "forward-looking statements." Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading "Risk Factors." Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.



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Original: Jack Henry's Annual Survey of Financial Institutions Highlights Priorities Amid Economic Uncertainty and a New Hybrid Monetary Era

Jack Henry Tap2Local™ Named "Small Business Payments Solution of the Year" in 2026 FinTech Breakthrough Awards ProgramMarch 19, 2026 10:15 AM
PR Newswire (US)

Prestigious annual awards program recognizes outstanding financial technology products and companies around the world.MONETT, Mo., March 19, 2026 /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) today announced that its Tap2Local™ solution has received the "Small Business Payments Solution of the Year" award in the 10th annual FinTech Breakthrough Awards program. The program is conducted by FinTech Breakthrough, an independent market intelligence organization that recognizes top companies, technologies, and products in today's global FinTech market.







Jack Henry's Tap2Local™ is a modern, cloud-native digital payments solution that enables banks and credit unions to meet the evolving needs of their small and medium-sized business (SMB) customers. Developed in collaboration with Moov, Tap2Local is seamlessly delivered through the Banno Digital Platform™ to provide a fast, intuitive, and consolidated experience.Tap2Local offers merchants many distinguishing features, including easy enrollment, the ability to accept debit and credit card payments directly through tap-to-pay on both iOS and Android devices, eliminating the need for additional hardware, as well as continuous account reconciliation to the accounting platform of their choice. "Tap2Local is a key part of our broader SMB strategy to help banks and credit unions win with small businesses, and we're honored to see it recognized by FinTech Breakthrough," said Jack Henry President and CEO Greg Adelson. "By enabling financial institutions to become the central operating hub for business accountholders, Tap2Local helps recapture deposits while freeing business owners to focus on what they love, not payment operations.""Jack Henry's Tap2Local is redefining small business payments by equipping financial institutions with a modern, frictionless experience through an easy, hardware-free payment solution," said Steve Johansson, Managing Director, FinTech Breakthrough. "Traditional point-of-sale systems impose cost, operational complexity, and slow onboarding. These fragmented third-party tools also often call for external hardware, lengthy paperwork, or delays. Tap2Local's consolidation of payments, banking, insights, and accounting into one unified experience simplifies business financial management and strengthens the bond between SMBs and their financial institutions."About Jack Henry & Associates, Inc.®
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.About FinTech Breakthrough
Part of Tech Breakthrough, a leading market intelligence and recognition platform for technology innovation and leadership around the globe, the FinTech Breakthrough Awards program is devoted to honoring breakthrough innovation in Financial Technologies and Services companies and products. The FinTech Breakthrough Awards provide public recognition for the standout achievements of FinTech companies and products in categories that include Payments, Personal Finance, Cryptocurrency, Wealth Management, Fraud Protection, Banking, Lending, RegTech, InsurTech and more. For more information visit FinTechBreakthrough.com.Statements made in this news release that are not historical facts are "forward-looking statements." Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading "Risk Factors." Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.



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Original: Jack Henry Tap2Local™ Named "Small Business Payments Solution of the Year" in 2026 FinTech Breakthrough Awards Program

ICBA Adds Jack Henry's Financial Crimes Defender to Preferred Service Provider ProgramMarch 6, 2026 11:00 AM
PR Newswire (US)

AI-enabled, real-time fraud and BSA compliance platform helps community banks better protect customers, reduce risk, and operate more efficientlyMONETT, Mo., March 6, 2026 /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) announced today that Jack Henry Financial Crimes Defender™ has been added to the Independent Community Bankers of America® (ICBA) Preferred Service Provider (PSP) program.







Financial Crimes Defender is a next-generation financial crimes platform that unifies fraud and BSA/AML efforts into a single, modern platform. It centralizes alerts, data, and investigations so community banks can detect and stop fraud before funds ever enter or leave the organization. By strengthening fraud prevention while supporting regulatory compliance, Defender helps banks better protect customers, reduce risk, and operate more efficiently.Built from the ground up with true real-time analytics, the cloud-native solution is a key part of Jack Henry's technology modernization strategy. Designed for scale and performance, Defender's modern, intuitive user interface is paired with advanced analytics that leverage AI and behavioral modeling to learn accountholder behavior and surface emerging fraud and BSA trends. By automating repetitive investigative tasks and significantly reducing false positives, the platform delivers higher-quality alerts allowing teams to focus only on the activity that truly requires review."Community banks need modern, real-time tools to keep pace with today's fraud and compliance challenges," said Kevin Tweddle, senior executive vice president of ICBA Innovation. "Financial Crimes Defender gives our members greater visibility, faster detection, and more efficient investigations helping them better protect customers and their institutions."ICBA Preferred Service Providers have earned the highest level of ICBA affiliation through an established due-diligence process designed to ensure that they are dedicated to the community banking industry, have national distribution ability, sound financials, and offer unique value to ICBA members.Jack Henry has been part of the ICBA PSP program for more than 15 years. Many Jack Henry digital banking, payments, lending, commercial banking, information security and technology, and operations solutions are included in the PSP program."Our continued partnership with ICBA reflects our shared mission to strengthen community banking," said Rene Perez, National Director of Financial Crimes Sales at Jack Henry. "Adding Defender to the PSP program helps community banks modernize financial crime operations in a way that supports both customer relationships and compliance."About Jack Henry & Associates, Inc.®Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.About ICBA
The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation's community banks through effective advocacy, education, and innovation.As local and trusted sources of credit, America's community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers' financial goals and dreams. For more information, visit ICBA's website at icba.org.



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Original: ICBA Adds Jack Henry's Financial Crimes Defender to Preferred Service Provider Program

SELCO Community Credit Union Strengthens Fraud Mitigation Strategy with Jack HenryFebruary 23, 2026 9:00 AM
PR Newswire (US)

Real-time financial crimes platform improves risk visibility, accelerates fraud investigations, strengthens member protectionMONETT, Mo., Feb. 23, 2026 /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) announced today that SELCO Community Credit Union (SELCO) is leveraging Jack Henry Financial Crimes Defender™, the company's fraud and anti-money laundering (AML) solution designed with real-time capabilities, to modernize its defense strategy with greater efficiency across the organization.







Founded in 1936, SELCO is one of the largest and most trusted Oregon-based credit unions, serving more than 150,000 members with $2.8 billion in assets. For nearly a century, SELCO has prioritized the safety and security of its members. Facing increasingly sophisticated fraud schemes in the era of real-time payments, SELCO chose Financial Crimes Defender for a powerful, unified approach across its fraud and BSA/AML teams, transforming alerts into actionable intelligence.Defender is Jack Henry's next-generation financial crimes platform built from the ground up. It integrates fraud and BSA/AML tools, offering a single environment for alerts, data, and investigations. Through centralized monitoring, teams can eliminate duplicate work while more easily identifying hard-to-spot patterns, such as elder financial abuse.SELCO collaborated closely with Jack Henry's development teams and user groups to help shape the platform. Stephanie Ziegler, Director of Financial Investigations at SELCO, said, "We wanted a solution that would help us protect members while also giving us the confidence to introduce new and faster services. Defender provides a clearer view of our fraud and compliance universe, which makes it possible to alert other departments sooner, conduct investigations more efficiently, and engage members earlier. All of which helps us stay competitive and keep our members safe." "Financial crimes and fraud are evolving faster than ever, and institutions can no longer rely on disconnected tools or manual processes to keep up," said Liz Abbott, Senior Managing Director of Financial Crimes Solutions at Jack Henry. "SELCO understands this shift. With a single solution that features real-time capabilities, they can spot patterns earlier and stay ahead of increasingly complex threats, while supporting and continuing to modernize the digital experiences their members expect."About SELCO Community Credit UnionFounded in 1936 by a group of fiscally minded teachers, Springfield-based SELCO Community Credit Union today serves more than 150,000 members as one of the largest and longest-standing Oregon-based credit unions. A not-for-profit, federally insured, member-driven financial cooperative with more than $2.8 billion in assets, SELCO provides exceptional rates and low fees on a full range of financial products and services, including banking, mortgages, personal and business loans, investments, and insurance. Membership is available to anyone who lives or works in one of the 27 Oregon or eight Washington counties SELCO serves.About Jack Henry & Associates, Inc.®Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.



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Original: SELCO Community Credit Union Strengthens Fraud Mitigation Strategy with Jack Henry

Pyramid Consulting Joins the Jack Henry™ Fintech Integration NetworkFebruary 20, 2026 12:28 PM
PR Newswire (US)

FIN enables Celsior Technologies to integrate with [jXchange™]ATLANTA, Feb. 20, 2026 /PRNewswire/ -- Celsior Technologies, a global technology and workforce solutions provider specializing in digital transformation for regulated industries, today announced that it has joined the Jack Henry™ Fintech Integration Network (FIN). Participation in the program will provide Celsior with access to Jack Henry's technical resources to enable Celsior's solutions to integrate with Jack Henry core platforms. The Fintech Integration Network is designed to help ensure that Jack Henry's customers can easily deploy third-party products.







Celsior's solution integrates with Jack Henry core platform through [jXchange™] – services-based programming interfaces that enable third-party fintechs and financial institutions to securely access core data and business rules. These integrations maintain data integrity by managing access through a service layer that governs all interactions, ensuring consistent and secure data exchange across platforms.Through participation in FIN, Celsior supports banks by helping them modernize digital workflows, enhance operational efficiency, and accelerate technology initiatives aligned with regulatory and security requirements. Celsior's experience in financial services technology, combined with direct integration access through FIN, enables financial institutions to deploy solutions with reduced complexity and faster time to value."Joining the Jack Henry Fintech Integration Network strengthens our ability to support financial institutions with secure, scalable, and integration-ready technology solutions," said Vishak Mallya, Chief Executive at Celsior (Technology Division of Pyramid Consulting). "This collaboration allows us to work more closely with Jack Henry customers as they modernize their platforms and enhance customer and operational experiences."Jack Henry's FIN takes the customer out of the middle, providing fintechs with direct access to Jack Henry's technical resources and test systems. FIN inclusion is not an endorsement of the fintech's product.About Jack Henry & Associates, Inc.®Jack Henry™ (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For nearly 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.About Celsior TechnologiesCelsior is the Consulting and IT services arm of Pyramid Consulting Inc., and it delivers customized, outcome-driven technology solutions, ensuring each client receives tailored solution and dedicated attention. Celsior delivers comprehensive technology solutions that empower organizations to optimize operations, enhance decision-making, and drive digital transformation. Our expertise spans data strategy, AI-driven insights, digital solutions, automation, and IT operations, ensuring seamless integration and sustained business value. Our solutions are designed to drive efficiency, innovation, and resilience, enabling organizations to modernize their IT landscape, enhance data-driven decision-making, and achieve sustainable digital transformation. For more information, please visit https://celsiortech.com/Copyright © 2026 Celsior Technologies. All rights reserved.










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Original: Pyramid Consulting Joins the Jack Henry™ Fintech Integration Network

Blue Sky Bank Turns to Jack Henry to Drive Innovation, Elevate Customer Service and Support GrowthFebruary 11, 2026 8:30 AM
PR Newswire (US)

$1.3 billion-asset bank enhances commercial and retail banking capabilitiesMONETT, Mo., Feb. 11, 2026 /PRNewswire/ -- Jack Henry™ (Nasdaq: JKHY) announced today that Blue Sky Bank selected Jack Henry to provide customers with modern, competitive offerings through a blend of self-service and personal banking experiences. Jack Henry's commitment to research and development, along with its vision for the future, significantly influenced the bank's decision.







Blue Sky Bank was originally chartered in Pawhuska, Oklahoma, in 1905. Since then, it has grown its 15-branch network across Oklahoma and Texas. Approximately 80% of the bank's business is commercial, serving sophisticated clients in metropolitan areas such as Tulsa, Dallas, and Fort Worth. These clients want both the extensive capabilities of megabanks and the personalized service Blue Sky Bank provides.In addition to its commercial focus, Blue Sky Bank serves retail clients and recently launched a private banking division offering high-net-worth customers a more personalized, concierge-level banking experience. The bank has grown rapidly through both organic expansion and acquisitions, increasing assets from just over $200 million in 2018 to $1.3 billion today.To remain competitive and better serve clients while preparing for acquisitions, Blue Sky Bank selected Jack Henry's modern core processing platform along with integrated digital and commercial solutions. The Banno Digital Platform™ will give retail customers full control over their accounts and financial data, offering a scalable, self-service solution that works for all generations while still providing access to personal guidance. For commercial clients, the bank chose LoanVantage™ to consolidate lending platforms and Treasury Management to deliver a seamless, unified system for both customers and staff."This technology plan is a big move for the future of our bank – one that will position us to meet the local community's needs as we expand into new territories with a holistic, personalized approach to banking," said Hayden Blackford, Senior Vice President of Information Technology at Blue Sky Bank. "We chose Jack Henry for their open technology modernization strategy as well as their service and support. They will allow us to serve our communities faster and deliver better, constantly evolving experiences. Two years ago, we focused on building strong IT fundamentals around efficiency, regulatory compliance, and cybersecurity. With that foundation in place, Jack Henry's technology will help us execute our new goal of meeting customers where they are."Jack Henry's strategy of delivering a steady stream of modern service components in the public cloud also stood out to Blue Sky Bank. "Their ongoing investment in research and development impressed us," Blackford added. "As a high-growth bank, we want to scale our offerings and stay innovative while keeping relationship banking at the heart of everything we do. We trust that Jack Henry will help us do both.""Blue Sky Bank has grown significantly in recent years and continues to grow because it is meeting clients' evolving financial needs with the personal attention of a community bank; it's what the market wants," said Jonathan Baltzell, President of Bank Solutions at Jack Henry. "Our platform supports commercial, small business, and retail banking clients with an integrated approach. It helps the bank compete with larger institutions, build on its long-standing history, and enter a new era of growth."About Jack Henry & Associates, Inc.®Jack Henry™ (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For nearly 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.



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Original: Blue Sky Bank Turns to Jack Henry to Drive Innovation, Elevate Customer Service and Support Growth

Jack Henry & Associates, Inc. Reports Second Quarter Fiscal 2026 ResultsFebruary 3, 2026 4:15 PM
PR Newswire (US)

Second quarter summary:GAAP revenue increased 7.9% and GAAP operating income increased 29.4% for the fiscal three months ended December 31, 2025, compared to the prior fiscal year quarter.Non-GAAP adjusted revenue increased 6.7% and non-GAAP adjusted operating income increased 24.3% for the fiscal three months ended December 31, 2025, compared to the prior fiscal year quarter.1GAAP EPS was $1.72 per diluted share for the fiscal three months ended December 31, 2025, compared to $1.34 per diluted share in the prior fiscal year quarter representing growth of 28.6%.Fiscal year-to-date summary:GAAP revenue increased 7.6% and GAAP operating income increased 25.1% for the fiscal year-to-date period ended December 31, 2025, compared to the prior fiscal year-to-date period.Non-GAAP adjusted revenue increased 7.7% and non-GAAP adjusted operating income increased 21.2% for the fiscal year-to-date period ended December 31, 2025, compared to the prior fiscal year-to-date period.1GAAP EPS was $3.70 per diluted share for the fiscal year-to-date period ended December 31, 2025, compared to $2.97 per diluted share in the prior fiscal year-to-date period representing growth of 24.5%.Cash and cash equivalents were $28.2 million at December 31, 2025, and $25.7 million at December 31, 2024.Debt outstanding related to credit facilities was $20 million at December 31, 2025, and $150 million at December 31, 2024.Full year fiscal 2026 guidance (Dollars in millions):3
CurrentGAAPLowHighRevenue$2,508$2,525Operating margin424.3 %24.5 %EPS$6.61$6.72


Non-GAAP5

Adjusted revenue$2,474$2,491Adjusted operating margin23.7 %23.9 %MONETT, Mo., Feb. 3, 2026 /PRNewswire/ -- Jack Henry & Associates, Inc. (Nasdaq: JKHY), a leading financial technology provider, today announced results for fiscal second quarter ended December 31, 2025.1 See tables below on page 4 reconciling non-GAAP financial measures to GAAP.2See table below on page 14 reconciling net income to non-GAAP EBITDA.3 The full fiscal year guidance assumes no additional acquisitions or dispositions will be made during fiscal year 2026.4Operating margin is calculated by dividing operating income by revenue.5 See tables below on page 9 reconciling fiscal year 2026 GAAP to non-GAAP guidance.According to Greg Adelson, President and CEO, "We are pleased to report very strong financial results for the second quarter of our fiscal year. Our sales teams delivered outstanding results across all areas, including our core segment where we won 22 competitive core deals in the quarter while maintaining a robust pipeline fueled by a growing demand environment. Our new public cloud-native solutions – including the Jack Henry Platform™, Tap2Local™ and Rapid Transfers – are experiencing strong momentum and providing meaningful competitive advantages for our bank and credit union clients. We are extremely well-positioned in the market and remain laser-focused on our key differentiators of culture, service, innovation, strategy, and execution."Operating ResultsRevenue, operating expenses, operating income, and net income for the fiscal three and six months ended December 31, 2025, compared to the fiscal three and six months ended December 31, 2024, were as follows:Revenue










(Unaudited, dollars in thousands)Three Months EndedDecember 31,
% Change
Six Months EndedDecember 31,
% Change
2025
2024


2025
2024

Revenue










Services and Support$    345,809
$       323,027
7.1 %
$      722,659
$       679,706
6.3 %Percentage of Total Revenue55.8 %
56.3 %


57.2 %
57.9 %

Processing273,525
250,821
9.1 %
541,412
495,123
9.3 %Percentage of Total Revenue44.2 %
43.7 %


42.8 %
42.1 %

REVENUE$      619,334
$      573,848
7.9 %
$    1,264,071
$      1,174,829
7.6 %Services and support revenue increased for the fiscal three months ended December 31, 2025, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 9.2% and higher deconversion revenue by $6,143. Processing revenue increased for the fiscal three months ended December 31, 2025, primarily driven by growth in digital and transaction revenue of 14.8%, card revenue of 6.1%, and faster payments products revenue, of 52.1%.Services and support revenue increased for the fiscal six months ended December 31, 2025, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 8.6% and higher deconversion revenue by $11,072. Processing revenue increased for the fiscal six months ended December 31, 2025, primarily driven by growth in card revenue of 7.5%, digital and transaction revenue of 14.3%, and faster payments products revenue of 53.9%.For the fiscal three months ended December 31, 2025, core segment revenue increased 8.4%, payments segment revenue increased 8.0%, complementary segment revenue increased 9.6%, and corporate and other segment revenue decreased 9.8%. For the fiscal three months ended December 31, 2025, core segment non-GAAP adjusted revenue increased 7.4%, payments segment non-GAAP adjusted revenue increased 6.4%, complementary segment non-GAAP adjusted revenue increased 8.7%, and corporate and other non-GAAP adjusted segment revenue decreased 10.1%. Total non-GAAP adjusted revenue increased 6.7% for the same period (see revenue lines of segment break-out tables on pages 5 and 6 below for a reconciliation of GAAP segment revenue to non-GAAP adjusted segment revenue).For the fiscal six months ended December 31, 2025, core segment revenue increased 4.2%, payments segment revenue increased 8.5%, complementary segment revenue increased 9.9%, and corporate and other segment revenue increased 9.3%. For the fiscal six months ended December 31, 2025, core segment non-GAAP adjusted revenue increased 6.8%, payments segment non-GAAP adjusted revenue increased 7.4%, complementary segment non-GAAP adjusted revenue increased 9.0%, and corporate and other non-GAAP adjusted segment revenue increased 9.0%. Total non-GAAP adjusted revenue increased 7.7% for the same period (see revenue lines of segment break-out tables on pages 7 and 8 below for a reconciliation of GAAP segment revenue to non-GAAP adjusted segment revenue).Operating Expenses and Operating Income








(Unaudited, dollars in thousands)Three Months EndedDecember 31,
% Change
Six Months EndedDecember 31,
% Change

2025
2024


2025
2024


Cost of Revenue$     350,989
$      332,850
5.4 %
$     699,554
$       676,282
3.4 %
Percentage of Total Revenue656.7 %
58.0 %


55.3 %
57.6 %


Research and Development42,228
41,095
2.8 %
81,505
80,780
0.9 %
Percentage of Total Revenue66.8 %
7.2 %


6.4 %
6.9 %


Selling, General, and Administrative66,969
76,901
(12.9) %
139,799
143,489
(2.6) %
Percentage of Total Revenue610.8 %
13.4 %


11.1 %
12.2 %


OPERATING EXPENSES460,186
450,846
2.1 %
920,858
900,551
2.3 %













OPERATING INCOME$       159,148
$       123,002
29.4 %
$      343,213
$       274,278
25.1 %
Operating Margin625.7 %
21.4 %


27.2 %
23.3 %


Cost of revenue increased for the fiscal three months ended December 31, 2025, compared to the fiscal three months ended December 31, 2024, primarily due to higher direct costs generally consistent with increases in related lines of revenue and higher personnel costs tempered by lower than normal medical claims, quarter-over-quarter.Cost of revenue increased for the fiscal six months ended December 31, 2025, compared to the fiscal six months ended December 31, 2024, primarily due to higher direct costs generally consistent with increases in related lines of revenue, higher personnel costs tempered by lower than normal medical claims, and increased amortization of intangible assets, period over period.Research and development expense increased for the fiscal three and six months ended December 31, 2025, compared to the fiscal three and six months ended December 31, 2024.Selling, general, and administrative expense decreased for the fiscal three months ended December 31, 2025, compared to the fiscal three months ended December 31, 2024, primarily due to the decrease in travel and entertainment and meeting expenses related to the timing of our Connect conference and the higher gain on sale of assets, net, in the current fiscal year quarter of $3,032 compared to the prior fiscal year quarter.Selling, general, and administrative expense decreased for the fiscal six months ended December 31, 2025, compared to the fiscal six months ended December 31, 2024, primarily due to higher personnel costs partially related to a limited increase in employee headcount in the trailing twelve months and higher professional service costs that were more than offset by lower than normal medical claims and the higher gain on sale of assets, net, in the current fiscal year period of $6,829 compared to the prior fiscal year period.Net Income(Unaudited, in thousands, except per share data)Three Months EndedDecember 31,
% Change
Six Months EndedDecember 31,
% Change
2025
2024


2025
2024

Income Before Income Taxes$          164,193
$            127,381
28.9 %
$          354,511
$          284,179
24.7 %Provision for Income Taxes39,525
29,536
33.8 %
85,856
67,143
27.9 %NET INCOME$         124,668
$           97,845
27.4 %
$        268,655
$           217,036
23.8 %Diluted earnings per share$                 1.72
$                 1.34
28.6 %
$                3.70
$                 2.97
24.5 %Effective tax rates for the fiscal three and six months ended December 31, 2025, and 2024, were 24.1% and 24.2% and 23.2% and 23.6%, respectively.According to Mimi Carsley, CFO and Treasurer, "Our second quarter results included continuing robust growth in key areas of our revenue that include solid growth in cloud revenue, demand momentum from our faster payments products, card and digital. Overall, revenue grew 8% on a GAAP basis and 7% on a non-GAAP basis. Revenue growth contributed to non-GAAP operating income growth of over 24%, benefitting from our disciplined approach to costs and lower than normal medical claims experience on our self-insured healthcare plan."6Operating margin is calculated by dividing operating income by revenue. Operating margin plus operating expense components as a percentage of total revenue may not equal 100% due to rounding.Impact of Non-GAAP AdjustmentsThe tables below show our revenue, operating income, and net income for the fiscal three and six months ended December 31, 2025, compared to the fiscal three and six months ended December 31, 2024, excluding the impacts of deconversions in the fiscal quarters and fiscal year-to-date periods ended December 31, 2025, and December 31, 2024, the gain on sale of assets, net, in the current fiscal quarter and fiscal year-to-date period, the impact of a contract change in the prior fiscal quarter and fiscal year-to-date period, and the acquisition in the current fiscal quarter and fiscal year-to-date period.(Unaudited, dollars in thousands)Three Months Ended
December 31,
%
Change
Six Months Ended
December 31,
%
Change
2025
2024


2025
2024













GAAP Revenue*$     619,334
$     573,848
7.9 %
$   1,264,071
$    1,174,829
7.6 %











Adjustments:










Deconversion revenue(6,212)
(69)


(14,838)
(3,766)

Revenue related to a contract
change—
(1,223)


—
(13,471)

Revenue from the acquisition(1,945)
—


(1,945)
—













NON-GAAP ADJUSTED REVENUE*$        611,177
$     572,556
6.7 %
$  1,247,288
$    1,157,592
7.7 %























GAAP Operating Income$      159,148
$      123,002
29.4 %
$     343,213
$      274,278
25.1 %











Adjustments:










Operating (income) loss from
deconversions(3,600)
622


(10,701)
(2,873)

Operating income related to a
contract change—
(164)


—
(1,970)

Gain on sale of assets, net(3,032)
—


(6,829)
—

Operating (income) loss from the
acquisition984
—


984
—













NON-GAAP ADJUSTED OPERATING
INCOME$     153,500
$      123,460
24.3 %
$     326,667
$     269,435
21.2 %Non-GAAP Adjusted Operating
Margin**25.1 %
21.6 %


26.2 %
23.3 %













GAAP Net Income$     124,668
$       97,845
27.4 %
$    268,655
$       217,036
23.8 %











Adjustments:










Net (income) loss from deconversions(3,600)
622


(10,701)
(2,873)

Net income related to a contract
change—
(164)




(1,970)

Gain on sale of assets, net(3,032)
—


(6,829)
—

Net loss from the acquisition984
—


984
—

Tax impact of adjustments***1,356
(110)


3,971
1,162













NON-GAAP ADJUSTED NET INCOME$      120,376
$         98,193
22.6 %
$    256,080
$      213,355
20.0 %*GAAP revenue is comprised of services and support and processing revenues (see page 2). Services and support revenue less deconversion revenue for the three months ended December 31, 2025, and 2024 which was $6,212 for the current fiscal year quarter and $69 for the prior fiscal year quarter, and reducing the three months ended December 31, 2024, amount also for revenue related to a contractual change of $1,223, results in non-GAAP adjusted services and support revenue growth of 5.6% quarter over quarter. Processing revenue less revenue from the acquisition for the three months ended December 31, 2025, of $1,945, results in non-GAAP adjusted processing revenue growth of 8.3% quarter over quarter.Services and support revenue less deconversion revenue for the six months ended December 31, 2025, and 2024 which was $14,838 for the current fiscal year period and $3,766 for the prior fiscal year period, and reducing the six months ended December 31, 2024, amount also for revenue related to a contractual change of $13,471, results in non-GAAP adjusted services and support revenue growth of 6.8% period over period. Processing revenue less revenue from the acquisition for the three months ended December 31, 2025, of $1,945, results in non-GAAP adjusted processing revenue growth of 9.0% period over period.**Non-GAAP adjusted operating margin is calculated by dividing non-GAAP adjusted operating income by non-GAAP adjusted revenue.***The tax impact of adjustments is calculated using a tax rate of 24% for the fiscal three and  six months ended December 31, 2025, and 2024. The tax rate for non-GAAP adjustment items takes a broad look at the Company's recurring tax adjustments and applies them to non-GAAP revenue that does not have its own specific tax impacts.The tables below show the segment break-out of revenue and cost of revenue for each period presented, as adjusted for the items above, and include a reconciliation to non-GAAP adjusted operating income presented above.
Three Months Ended December 31, 2025(Unaudited, dollars in thousands)Core
Payments
Complementary
Corporate
and Other
TotalGAAP REVENUE$  186,100
$   231,975
$                 181,708
$       19,551
$  619,334Non-GAAP adjustments*(3,050)
(3,342)
(1,702)
(63)
(8,157)NON-GAAP ADJUSTED REVENUE183,050
228,633
180,006
19,488
611,177









GAAP COST OF REVENUE74,930
120,044
69,265
86,750
350,989Non-GAAP adjustments*(703)
(2,547)
(288)
(94)
(3,632)NON-GAAP ADJUSTED COST OF REVENUE74,227
117,497
68,977
86,656
347,357









GAAP SEGMENT INCOME$      111,170
$      111,931
$                 112,443
$    (67,199)

Segment Income Margin**59.7 %
48.3 %
61.9 %
(343.7) %











NON-GAAP ADJUSTED SEGMENT INCOME$ 108,823
$      111,136
$                  111,029
$    (67,168)

Non-GAAP Adjusted Segment Income Margin**59.4 %
48.6 %
61.7 %
(344.7) %











Research and Development







42,228Selling, General, and Administrative







66,969Non-GAAP adjustments unassigned to a segment***






1,123NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES






457,677









NON-GAAP ADJUSTED OPERATING INCOME






$  153,500*Revenue non-GAAP adjustments for the Payments segment were ($1,945) of acquisition revenue and ($1,397) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Payments segment were ($2,409) of acquisition costs and ($138) of deconversion costs. Cost of revenue non-GAAP adjustment for the Corporate and Other segment was acquisition costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.***Non-GAAP adjustments unassigned to a segment were a gain on sale of assets of $3,032 less deconversion costs of $1,484, research and development costs related to the acquisition of $371, and selling, general, and administrative costs related to the acquisition of $54.
Three Months Ended December 31, 2024(Unaudited, dollars in thousands)Core
Payments
Complementary
Corporate
and Other
TotalGAAP REVENUE$    171,607
$  214,836
$                165,732
$       21,673
$   573,848Non-GAAP adjustments*(1,203)
(34)
(60)
5
(1,292)NON-GAAP ADJUSTED REVENUE170,404
214,802
165,672
21,678
572,556









GAAP COST OF REVENUE70,324
114,738
64,542
83,246
332,850Non-GAAP adjustments*(1,147)
(53)
(99)
—
(1,299)NON-GAAP ADJUSTED COST OF REVENUE69,177
114,685
64,443
83,246
331,551









GAAP SEGMENT INCOME$   101,283
$  100,098
$                  101,190
$     (61,573)

Segment Income Margin**59.0 %
46.6 %
61.1 %
(284.1) %











NON-GAAP ADJUSTED SEGMENT INCOME$    101,227
$     100,117
$                 101,229
$    (61,568)

Non-GAAP Adjusted Segment Income Margin59.4 %
46.6 %
61.1 %
(284.0) %











Research and Development







41,095Selling, General, and Administrative







76,901Non-GAAP adjustments unassigned to a segment***






(451)NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES






449,096









NON-GAAP ADJUSTED OPERATING INCOME






$    123,460*Revenue non-GAAP adjustments for the Core segment were ($1,223) of revenue related to the contractual change and $20 of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Core segment were cost of revenue related to a contractual change of ($1,059) and ($88) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.***Non-GAAP adjustments unassigned to a segment were deconversion costs.










Six Months Ended December 31, 2025(Unaudited, dollars in thousands)Core
Payments
Complementary
Corporate
and Other
TotalGAAP REVENUE$  381,393
$ 462,868
$               375,926
$     43,884
$  1,264,071Non-GAAP adjustments*(6,269)
(6,825)
(3,578)
(111)
(16,783)NON-GAAP ADJUSTED REVENUE375,124
456,043
372,348
43,773
1,247,288









GAAP COST OF REVENUE148,067
238,703
141,526
171,258
699,554Non-GAAP adjustments*(1,146)
(2,698)
(596)
(95)
(4,535)NON-GAAP ADJUSTED COST OF REVENUE146,921
236,005
140,930
171,163
695,019









GAAP SEGMENT INCOME$ 233,326
$   224,165
$              234,400
$   (127,374)

Segment Income Margin**61.2 %
48.4 %
62.4 %
(290.3) %











NON-GAAP ADJUSTED SEGMENT INCOME$ 228,203
$ 220,038
$                 231,418
$  (127,390)

Non-GAAP Adjusted Segment Income Margin60.8 %
48.2 %
62.2 %
(291.0) %











Research and Development







81,505Selling, General, and Administrative







139,799Non-GAAP adjustments unassigned to a segment***






4,298NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES






920,621









NON-GAAP ADJUSTED OPERATING INCOME






$   326,667*Revenue non-GAAP adjustments for the Payments segment were ($1,945) of acquisition revenue and ($4,880) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Payments segment were ($2,409) of acquisition costs and ($289) of deconversion costs. Cost of revenue non-GAAP adjustments for the Corporate and Other segment were ($94) of acquisition costs and ($1) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.***Non-GAAP adjustments unassigned to a segment were a gain on sale of assets of $6,829 less deconversion costs of $2,106, research and development costs related to the acquisition of $371, and selling, general, and administrative costs related to the acquisition of $54.










Six Months Ended December 31, 2024(Unaudited, dollars in thousands)Core
Payments
Complementary
Corporate
and Other
TotalGAAP REVENUE$ 365,896
$ 426,758
$                342,012
$      40,163
$   1,174,829Non-GAAP adjustments*(14,738)
(1,948)
(533)
(18)
(17,237)NON-GAAP ADJUSTED REVENUE351,158
424,810
341,479
40,145
1,157,592









GAAP COST OF REVENUE151,271
227,757
131,686
165,568
676,282Non-GAAP adjustments*(11,626)
(71)
(159)
—
(11,856)NON-GAAP ADJUSTED COST OF REVENUE139,645
227,686
131,527
165,568
664,426









GAAP SEGMENT INCOME$  214,625
$   199,001
$                210,326
$  (125,405)

Segment Income Margin**58.7 %
46.6 %
61.5 %
(312.2) %











NON-GAAP ADJUSTED SEGMENT INCOME$     211,513
$    197,124
$              209,952
$  (125,423)

Non-GAAP Adjusted Segment Income Margin60.2 %
46.4 %
61.5 %
(312.4) %











Research and Development







80,780Selling, General, and Administrative







143,489Non-GAAP adjustments unassigned to a segment***






(538)NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES






888,157









NON-GAAP ADJUSTED OPERATING INCOME






$   269,435*Revenue non-GAAP adjustments for the Core segment were ($13,471) of revenue related to the contractual change and ($1,267) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Core segment were cost of revenue related to a contractual change of ($11,501) and ($125) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.***Non-GAAP adjustments unassigned to a segment were deconversion costs.The table below shows our GAAP to non-GAAP guidance for the fiscal year ending June 30, 2026. Fiscal year 2026 non-GAAP guidance excludes the impacts of deconversion revenue and related operating expenses, acquisition revenues and related operating expenses, the revenues and operating expenses related to a contractual change, and the gain on sale of assets, and assumes no additional acquisitions or dispositions will be made during the fiscal year.
GAAP to Non-GAAP GUIDANCE (Dollars in
millions, except per share data)
Annual FY'26
Adjusted for
FY26
Comparison
Reported
Contractual
Change


Low
High
FY25
FY25
FY25
GAAP REVENUE
$  2,508
$  2,525
$          2,375
$      2,375
$                   —
     Growth
5.6 %
6.3 %






Deconversions*
28
28
34
34
—
Acquisition
6
6
—
—
—
Contractual change
—
—
16
—
16
NON-GAAP ADJUSTED REVENUE**
$  2,474
$   2,491
$          2,326
$      2,341
$                 (16)
     Non-GAAP Adjusted Growth
6.4 %
7.1 %


















GAAP OPERATING EXPENSES
$   1,900
$   1,906
$           1,807
$      1,807
$                   —
     Growth
5.2 %
5.5 %






Deconversion costs*
7
7
6
6
—
Acquisition costs
11
11
—
—
—
Contractual change
—
—
14
—
14
Gain on sale of assets
(7)
(7)
—
—
—
NON-GAAP ADJUSTED OPERATING EXPENSES**
$   1,889
$   1,895
$            1,787
$      1,800
$                 (14)
     Non-GAAP Adjusted Growth
5.7 %
6.1 %


















GAAP OPERATING INCOME
$     609
$      619
$             569
$         569
$                   —
     Growth
7.0 %
8.8 %


















GAAP OPERATING MARGIN
24.3 %
24.5 %
23.9 %
23.9 %














NON-GAAP ADJUSTED OPERATING INCOME**
$     586
$     596
$             539
$         541
$                   (2)
     Non-GAAP Adjusted Growth
8.7 %
10.6 %


















NON-GAAP ADJUSTED OPERATING MARGIN
23.7 %
23.9 %
23.2 %
23.1 %














GAAP EPS
$     6.61
$     6.72
$            6.24
$        6.24
$                   —
     Growth
6.0 %
7.7 %

















*Deconversion revenue and related operating expenses are based on actual results for fiscal six months ended December 31, 2025, and estimates for the remainder of the fiscal year 2026. See the Company's Form 8-K filed with the Securities and Exchange Commission on January 27, 2026.**GAAP to Non-GAAP revenue, operating expenses, and operating income may not foot due to rounding.Balance Sheet and Cash Flow ReviewCash and cash equivalents were $28 million at December 31, 2025, compared to $26 million at December 31, 2024.Trade receivables were $298 million at December 31, 2025, compared to $283 million at December 31, 2024.The Company had $20 million of borrowings at December 31, 2025, compared to $150 million of borrowings at December 31, 2024.Deferred revenue was $271 million at December 31, 2025, compared to $269 million at December 31, 2024.Stockholders' equity increased to $2,203 million at December 31, 2025, compared to $1,976 million at December 31, 2024.*See table below for Net Cash Provided by Operating Activities and on page 14 for Return on Average Shareholders' Equity. Tables reconciling the non-GAAP measures Free Cash Flow and Net Operating Profit After Tax Return on Invested Capital (NOPAT ROIC) to GAAP measures are on pages 14 and 15. See the Use of Non-GAAP Financial Information section below for the definitions of Free Cash Flow and NOPAT ROIC.The following table summarizes net cash from operating activities:(Unaudited, in thousands)Six Months Ended December 31,
2025
2024Net income$                     268,655
$                        217,036Depreciation20,743
22,731Amortization84,304
79,517Change in deferred income taxes69,734
(8,745)Other non-cash expenses9,416
15,535Change in receivables21,385
49,811Change in deferred revenue(92,379)
(119,463)Change in other assets and liabilities*(108,603)
(49,879)NET CASH FROM OPERATING ACTIVITIES$                      273,255
$                      206,543*For the fiscal six months ended December 31, 2025, the change in other assets and liabilities includes the change in prepaid expenses, deferred costs and other of $(56,056), accrued expenses of $(34,863), income taxes of $(9,345), and the change in accounts payable of $(8,339). For the fiscal six months ended December 31, 2024, the change in other assets and liabilities includes the change in prepaid expenses, deferred costs and other of $(34,384), the change in accrued expenses of $(19,450), the change in accounts payable of $(5,583) partially offset by the change in income taxes of $9,538.The following table summarizes net cash from investing activities:(Unaudited, in thousands)Six Months Ended December 31,
2025
2024Payment for acquisitions$                       (42,391)
$                                  —Capital expenditures(30,096)
(29,469)Proceeds from sale of assets24,572
—Purchased software(2,908)
(3,528)Computer software developed(92,484)
(85,803)Purchase of investments(13,500)
(2,000)Proceeds from investments1,000
1,000NET CASH FROM INVESTING ACTIVITIES$                    (155,807)
$                       (119,800)The following table summarizes net cash from financing activities:(Unaudited, in thousands)Six Months Ended December 31,
2025
2024Borrowings on credit facilities$                    125,000
$                     165,000Repayments on credit facilities(105,000)
(165,000)Purchase of treasury stock(125,237)
(17,050)Dividends paid(83,979)
(80,193)Net cash from issuance of stock and tax related to stock-based compensation(1,969)
(2,131)NET CASH FROM FINANCING ACTIVITIES$                    (191,185)
$                     (99,374)Use of Non-GAAP Financial InformationGenerally Accepted Accounting Principles (GAAP) is the term used to refer to the standard framework of guidelines for financial accounting in the United States. GAAP includes the standards, conventions, and rules accountants follow in recording and summarizing transactions in the preparation of financial statements. In addition to reporting financial results in accordance with GAAP, we have provided certain non-GAAP financial measures, including adjusted revenue, adjusted segment revenue, adjusted operating income, adjusted segment income, adjusted cost of revenue, adjusted segment cost of revenue, adjusted operating expenses, adjusted operating margin, adjusted segment income margin, non-GAAP earnings before interest, taxes, depreciation, and amortization (non-GAAP EBITDA), free cash flow, net operating profit after tax return on invested capital (NOPAT ROIC), and non-GAAP adjusted net income.We believe non-GAAP financial measures help investors better understand the underlying fundamentals and true operations of our business. Adjusted revenue, adjusted segment revenue, adjusted operating income, adjusted operating margin, adjusted  segment income, adjusted segment income margin, adjusted cost of revenue, adjusted segment cost of revenue, adjusted operating expenses, and adjusted net income eliminate one-time deconversion revenue and associated costs, the gain on sale of assets, net, an acquisition, and a contractual change, which management believes are not indicative of the Company's operating performance. Such adjustments give investors further insight into our performance. Non-GAAP EBITDA is defined as net income attributable to the Company before the effect of interest expense, taxes, depreciation, and amortization, adjusted for net income before the effect of interest expense, taxes, depreciation, and amortization attributable to eliminated one-time deconversions, the gain on sale of assets, net, an acquisition, and a contractual change. Free cash flow is defined as net cash from operating activities, less capitalized expenditures, internal use software, and capitalized software, plus proceeds from the sale of assets. NOPAT ROIC is defined as operating income for the trailing four quarters multiplied by one minus the average effective tax rate (ETR) for the trailing four quarters, with the result divided by average invested capital (average of the beginning and ending period balances). Management believes that non-GAAP EBITDA is an important measure of the Company's overall operating performance and excludes certain costs and other transactions that management deems one time or non-operational in nature; free cash flow is useful to measure the funds generated in a given period that are available for debt service requirements and strategic capital decisions; and NOPAT ROIC is a measure of the Company's allocation efficiency and effectiveness of its invested capital. For these reasons, management also uses these non-GAAP financial measures in its assessment and management of the Company's performance.Non-GAAP financial measures used by the Company may not be comparable to similarly titled non-GAAP measures used by other companies. Non-GAAP financial measures have no standardized meaning prescribed by GAAP and therefore, are unlikely to be comparable with calculations of similar measures for other companies.Any non-GAAP financial measures should be considered in context with the GAAP financial presentation and should not be considered in isolation or as a substitute for GAAP measures. Reconciliations of the non-GAAP financial measures to related GAAP measures are included.About Jack Henry & Associates, Inc.®Jack HenryTM (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity — offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For nearly 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.Statements made in this news release that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors. Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.Quarterly Conference CallThe Company will hold a conference call on February 4, 2026, at 7:45 a.m. Central Time, and investors are invited to listen at www.jackhenry.com. A webcast replay will be available approximately one hour after the event at ir.jackhenry.com/corporate-events-and-presentations and will remain available for one year.Condensed Consolidated Statements of Income (Unaudited)(Dollars in thousands, except per
share data)Three Months Ended
December 31,
%
Change
Six Months Ended
December 31,
%
Change
2025
2024


2025
2024













REVENUE$            619,334
$            573,848
7.9 %
$    1,264,071
$      1,174,829
7.6 %











Cost of Revenue350,989
332,850
5.4 %
699,554
676,282
3.4 %Research and Development42,228
41,095
2.8 %
81,505
80,780
0.9 %Selling, General, and
Administrative66,969
76,901
(12.9) %
139,799
143,489
(2.6) %EXPENSES460,186
450,846
2.1 %
920,858
900,551
2.3 %











OPERATING INCOME159,148
123,002
29.4 %
343,213
274,278
25.1 %











Interest income6,187
7,159
(13.6) %
13,326
15,506
(14.1) %Interest expense(1,142)
(2,780)
(58.9) %
(2,028)
(5,605)
(63.8) %Interest Income, net5,045
4,379
15.2 %
11,298
9,901
14.1 %











INCOME BEFORE INCOME TAXES164,193
127,381
28.9 %
354,511
284,179
24.7 %











Provision for Income Taxes39,525
29,536
33.8 %
85,856
67,143
27.9 %











NET INCOME$            124,668
$              97,845
27.4 %
$     268,655
$        217,036
23.8 %











Diluted net income per share$                    1.72
$                    1.34


$            3.70
$              2.97

Diluted weighted average shares
outstanding72,413
73,082


72,661
73,080













Consolidated Balance Sheet Highlights (Unaudited)(In thousands)





December 31,
%
Change






2025
2024

Cash and cash equivalents





$        28,216
$         25,653
10.0 %Receivables





298,458
283,223
5.4 %Total assets





3,060,044
2,911,770
5.1 %











Accounts payable and accrued expenses




$       191,905
$      209,926
(8.6) %Current and long-term debt





20,000
150,000
(86.7) %Deferred revenue





270,994
269,469
0.6 %Stockholders' equity





2,203,058
1,975,565
11.5 %
Calculation of Non-GAAP Earnings Before Income Taxes, Depreciation and Amortization (Non-GAAP EBITDA)
Three Months Ended
December 31,
% Change
Six Months Ended
December 31,
%
Change(Dollars in thousands)2025
2024


2025
2024

Net income$            124,668
$              97,845


$     268,655
$        217,036

Net interest(5,045)
(4,379)


(11,298)
(9,901)

Taxes39,525
29,536


85,856
67,143

Depreciation and amortization53,155
51,754


105,047
102,248

Less: Net income before interest
expense, taxes, depreciation and
amortization attributable to
eliminated one-time
adjustments*(6,118)
458


(17,015)
(4,842)

NON-GAAP EBITDA$            206,185
$              175,214
17.7 %
$     431,245
$        371,684
16.0 %*The fiscal second quarter 2026 and 2025 adjustments for net income before interest expense, taxes, depreciation and amortization were for deconversions of ($3,600), a gain on sale of assets, net, of ($3,032), and an acquisition of $514, and were for deconversions of $622 and a contract change of ($164), respectively. The fiscal year-to-date 2026 and 2025 adjustments were for deconversions of ($10,701), a gain on sale of assets, net, of ($6,828), and an acquisition of $514, and were for deconversions of ($2,873) and a contractual change of ($1,969), respectively.











Calculation of Free Cash Flow (Non-GAAP)




Six Months Ended December 31,

(In thousands)





2025
2024

Net cash from operating activities




$     273,255
$      206,543

Capitalized expenditures





(30,096)
(29,469)

Internal use software





(2,908)
(3,528)

Proceeds from sale of assets





24,572
—

Capitalized software





(92,484)
(85,803)

FREE CASH FLOW





$       172,339
$         87,743













Net income





$     268,655
$        217,036

Operating cash conversion*





101.7 %
95.2 %

Free cash flow conversion (excluding proceeds
from sale of assets)*




55.0 %
40.4 %

*Operating cash conversion is net cash from operating activities divided by net income. Free cash flow conversion is free cash flow less proceeds from sale of assets of $24,572 for fiscal 2026 and $0 for fiscal 2025 divided by net income.











Calculation of the Return on Average Shareholders' Equity


December 31,

(In thousands)





2025
2024

Net income (trailing four quarters)




$     507,367
$      405,208

Average stockholder's equity (period beginning and ending
balances)


2,089,312
1,849,976

RETURN ON AVERAGE SHAREHOLDERS' EQUITY




24.3 %
21.9 %













Calculation of NOPAT  ROIC (Non-GAAP)





December 31,

(In thousands)





2025
2024

Operating income (trailing four quarters)




$   637,650
$      512,003

Average Effective Tax Rate (trailing four quarters)


22.6 %
23.3 %

NOPAT operating income (trailing four quarters)*
493,541
392,706

Average invested capital (period beginning and ending balances)
2,174,312
2,052,476













NOPAT ROIC





22.7 %
19.1 %

*NOPAT operating income is calculated by multiplying the trailing four quarters operating income by one minus the average ETR. NOPAT ROIC is calculated by dividing NOPAT operating income by average invested capital (period beginning and ending balances).FAQ for Analysts / Investors1.)     Why does fiscal 2025 non-GAAP revenue used for growth calculation not match reported fiscal 2025 non-GAAP revenue?The restructuring of a third-party agreement has resulted in a $16 million fiscal year-over-year revenue headwind, with $12 million of that coming in the first quarter.The remaining $4 million will impact the rest of the fiscal year.This restructuring has also resulted in a decrease in the related costs and the impact on margins is expected to be minimal.This has been adjusted for a consistent fiscal year-over-year comparison and is included in our fiscal year 2026 guidance (see page 9).2.) What are some key elements of the outlook for the second half of fiscal 2026?We expect the year-over-year revenue growth rates to slow slightly as we face overall tougher prior year comparables from the second half of fiscal 2025.We expect some contraction in margins in the second half of fiscal 2026 compared to the first half where we experienced lower than normal expense for medical claims under our self-insured employee healthcare plan.





View original content to download multimedia:https://www.prnewswire.com/news-releases/jack-henry--associates-inc-reports-second-quarter-fiscal-2026-results-302678177.htmlSOURCE Jack Henry & Associates, Inc.

Original: Jack Henry & Associates, Inc. Reports Second Quarter Fiscal 2026 Results

Jack Henry Announces Fiscal 2026 Second Quarter Deconversion Revenue ResultsJanuary 27, 2026 9:30 PM
PR Newswire (US)

MONETT, Mo., Jan. 27, 2026 /PRNewswire/ -- Jack Henry & Associates, Inc.® (Nasdaq: JKHY) announced today that deconversion revenue for the fiscal second quarter, ended Dec. 31, 2025, was $6.2 million. Based on these results, deconversion revenue estimates have been increased to $28 million for full year fiscal 2026 guidance. For more information about how guidance is developed for deconversion revenue estimates, please see Jack Henry's Current Report on Form 8-K filed with the Securities and Exchange Commission on Aug. 3, 2023.







The majority of deconversion revenue is generated when one of Jack Henry's clients agrees to be acquired by another financial institution, resulting in the termination of the client's contract with Jack Henry. In these circumstances, Jack Henry's recognition of deconversion revenue is driven by factors outside Jack Henry's control, and this revenue does not represent the true operations of Jack Henry's ongoing business of providing services to clients. As a result, Jack Henry excludes deconversion revenue from non-GAAP revenue reported in its quarterly and annual earnings releases.Statements made in this press release that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in Jack Henry's Securities and Exchange Commission filings, including Jack Henry's most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors. Any forward-looking statement made in this current report speaks only as of the date of the current report, and Jack Henry's expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.About Jack Henry & Associates, Inc.®
Jack Henry™ (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For nearly 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.??



View original content to download multimedia:https://www.prnewswire.com/news-releases/jack-henry-announces-fiscal-2026-second-quarter-deconversion-revenue-results-302671563.htmlSOURCE Jack Henry & Associates, Inc.

Original: Jack Henry Announces Fiscal 2026 Second Quarter Deconversion Revenue Results

Nothing to see here...

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EPIC

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~ Tuesday! $JKHY ~ Q1 Earnings posted, pending or coming soon! In Charts and Links Below!

~ $JKHY ~ Earnings expected on Tuesday *
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One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.








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*If the earnings date is in error please ignore error. I do my best.

Jack Henry & Associates, Inc. (JHA) is a provider of core information processing solutions for community banks. As of June 30, 2011, the Company’s products and services includes processing transactions, automating business processes, and managing information for more than 11,300 financial institutions and diverse corporate entities. JHA provides its products and services through four marketed brands: Jack Henry Banking, Symitar, ProfitStarr and iPay Technologies. The Company has two business segments: bank systems and services and credit union systems and services. JHA provides integrated computer systems for in-house and outsourced data processing to commercial banks, credit unions and other financial institutions. The Company has developed and acquired banking and credit union application software systems. The Company also performs data conversion and software implementation services for its systems and provide continuing customer support services after the systems are implemented.

http://www.google.com/finance?q=JKHY