Jack Henry & Associates, Inc. earnings overview

JKHY FY2026 Q3 · Calendar Q2 2026

Jack Henry & Associates, Inc.

Jack Henry posted a record fiscal Q3, beating consensus on both lines -- non-GAAP EPS of $1.71 versus $1.43 estimated (a 19.6% surprise) and revenue of $636.2M versus $619.7M estimated (a 2.7% surprise). Non-GAAP revenue reached $616M, up 7.3% YoY, with operating margin holding at 22.9%. The company raised full-year FY2026 guidance for both revenue (6.6% to 7.1% non-GAAP growth) and margin expansion. The quarter featured 17 core wins including a record number of $1B+ institutions, with 58% of wins bundling digital banking and card solutions. AI adoption accelerated, with roughly 100 approved tools supporting 500+ use cases and up to 90% coding productivity gains. Free cash flow surged 137% YoY, supporting aggressive share repurchases and a new $1B revolving credit facility. Despite the beat-and-raise, shares fell 5.7% on an abnormal basis the next session and drifted an additional…