Analyst Consensus ?
ConsensusBuy24 ratings
Bullish1458.3%
Neutral1041.7%
Bearish00.0%
Jack Henry & Associates, Inc. · JKHY · FY2025 Q4 · Calendar Q3 2025
Cloud migration and new products support Jack Henry’s growth case
The supplied evidence is supportive, but not conclusive, for a durable-growth thesis: recurring cloud migration, core wins, and new SMB products indicate resilient demand, while merger timing, pricing pressure, hardware weakness, and slower account growth could limit the pace of improvement.
Reported After market closeNASDAQTechnology
$10.13B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$1.75
Consensus $1.58
EPS surprise
+10.8%
Reported versus consensus
Reported revenue
$615.4M
Consensus $604.5M
Revenue surprise
+1.8%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+2.0%
Event window
SPY move
-0.3%
Same window
Abnormal move
+2.2%
Stock minus SPY
Volume
2.5×
Versus trailing sessions
Subsequent drift
-5.7%
Up to 20 sessions
JKHYSPY benchmark
Ask FN2 about JKHY FY2025 Q4
Transcript, numbers and history already loaded
Why did JKHY rise 2.0% after beating EPS estimates in FY2025 Q4?What changed in JKHY's guidance and outlook in FY2025 Q4?Give me the bull and bear case for JKHY after FY2025 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The current analysis adds stronger evidence of execution: core wins remained robust, private-cloud penetration increased, and Tap2Local and Rapid Transfers reached rollout ahead of schedule. The framing also shifts toward FY26 uncertainty, with maintained guidance but a wider range and clearer attention to merger timing, pricing, and account-growth risks.
Guidance delta
Maintained overall, with FY26 revenue-growth guidance presented in a wider range to accommodate macro uncertainty.
Key takeaways
- Management described continued private- and public-cloud migration as a recurring-revenue driver.
- Core sales momentum and broader up-market wins support the demand case.
- Tap2Local and Rapid Transfers are being rolled out ahead of schedule, expanding the SMB opportunity.
- The main counterweights are merger-related timing, pricing pressure, hardware weakness, and slower account growth.
Management priorities
- Continue cloud-modernization rollouts and add platform components.
- Scale Tap2Local and Rapid Transfers across the Banno client base and begin external sales.
- Advance stablecoin capabilities through JHA PayCenter and third-party integrations.
- Maintain technology modernization and consider capital returns with excess cash and no debt.
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$142.54Current
$158Low
$186.5Average
$215High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 3, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| RBC Capital | Outperform | Outperform | Maintain | Sep 30, 2026 |
| Morgan Stanley | Equal Weight | Equal Weight | Maintain | Sep 30, 2026 |
| Raymond James | Strong Buy | Strong Buy | Maintain | Sep 16, 2026 |
| Piper Sandler | Neutral | Neutral | Maintain | Sep 16, 2026 |
| DA Davidson | Buy | Buy | Maintain | Sep 2, 2026 |
| Wolfe Research | Outperform | Outperform | Maintain | Aug 25, 2026 |
| UBS | Neutral | Neutral | Maintain | Aug 20, 2026 |
| Goldman Sachs | Neutral | Neutral | Maintain | Aug 20, 2026 |
| Barclays | Overweight | Overweight | Maintain | Aug 20, 2026 |
| Oppenheimer | Outperform | Outperform | Maintain | Aug 19, 2026 |
| Wells Fargo | Overweight | Equal Weight | Upgrade | Feb 17, 2026 |
| Baird | Neutral | Neutral | Maintain | Dec 15, 2025 |
| Keefe, Bruyette & Woods | Outperform | Market Perform | Upgrade | Dec 8, 2025 |
| Compass Point | Buy | Neutral | Upgrade | Nov 6, 2025 |
| Stephens & Co. | Equal Weight | Equal Weight | Maintain | Nov 6, 2024 |
| Evercore ISI Group | In Line | In Line | Maintain | Jun 25, 2024 |
| B of A Securities | Buy | Neutral | Upgrade | Dec 6, 2023 |
| Northcoast Research | Buy | Neutral | Upgrade | Sep 18, 2023 |
| BTIG | Buy | Buy | Maintain | Aug 17, 2023 |
| William Blair | Outperform | Outperform | Maintain | Jan 11, 2023 |
| Credit Suisse | Neutral | Neutral | Maintain | Aug 18, 2022 |
| Atlantic Equities | Neutral | Neutral | Maintain | Sep 3, 2019 |
| Keefe Bruyette & Woods | Perform | Market Perform | Maintain | Apr 9, 2019 |
| Cantor Fitzgerald | Overweight | Overweight | Maintain | Aug 23, 2018 |
Named analyst price targets
Upside is calculated against the persisted current price $142.54. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Morgan Stanley | James Faucette | $158 | $146.22 | +10.8% | Sep 30, 2026 |
| Seaport Global | Analyst unavailable | $193 | $147.79 | +35.4% | Sep 28, 2026 |
| Raymond James | Analyst unavailable | $199 | $158.38 | +39.6% | Sep 16, 2026 |
| Piper Sandler | Bill Carcache | $175 | $154.07 | +22.8% | Sep 16, 2026 |
| KeyBanc | Andrew Schmidt | $190 | $166.58 | +33.3% | Sep 14, 2026 |
| Piper Sandler | Analyst unavailable | $171 | $161.42 | +20.0% | Sep 10, 2026 |
| Wolfe Research | Darrin Peller | $215 | $170.51 | +50.8% | Aug 25, 2026 |
| RBC Capital | Analyst unavailable | $178 | $165.2 | +24.9% | Aug 20, 2026 |
| UBS | Timothy Chiodo | $170 | $163.06 | +19.3% | Aug 20, 2026 |
| Goldman Sachs | Analyst unavailable | $178 | $163.06 | +24.9% | Aug 20, 2026 |
| Barclays | Analyst unavailable | $185 | $163.06 | +29.8% | Aug 20, 2026 |
| D.A. Davidson | Peter Heckmann | $198 | $167.68 | +38.9% | Aug 19, 2026 |
| Oppenheimer | Analyst unavailable | $209 | $153.12 | +46.6% | Aug 19, 2026 |
| Barclays | Analyst unavailable | $170 | $146.71 | +19.3% | Jul 8, 2026 |
| Wolfe Research | Analyst unavailable | $165 | $135 | +15.8% | Jun 29, 2026 |
| RBC Capital | Analyst unavailable | $173 | $124.22 | +21.4% | Jun 18, 2026 |
| Morgan Stanley | Analyst unavailable | $170 | $146.33 | +19.3% | May 8, 2026 |
| RBC Capital | Analyst unavailable | $180 | $145.51 | +26.3% | May 7, 2026 |
| UBS | Analyst unavailable | $165 | $143.95 | +15.8% | May 7, 2026 |
| Wells Fargo | Analyst unavailable | $196 | $156.76 | +37.5% | Feb 17, 2026 |
| Morgan Stanley | Analyst unavailable | $183 | $173.78 | +28.4% | Feb 5, 2026 |
| Stephens | Analyst unavailable | $205 | $173.78 | +43.8% | Feb 5, 2026 |
| Robert W. Baird | David Koning | $205 | $173.78 | +43.8% | Feb 5, 2026 |
| Wells Fargo | Analyst unavailable | $181 | $177.94 | +27.0% | Jan 30, 2026 |
| D.A. Davidson | Peter Heckmann | $216 | $178.27 | +51.5% | Jan 29, 2026 |
| Stephens | Analyst unavailable | $200 | $189.54 | +40.3% | Jan 16, 2026 |
| UBS | Analyst unavailable | $195 | $188.65 | +36.8% | Jan 8, 2026 |
| Wolfe Research | Darrin Peller | $220 | $185.97 | +54.3% | Jan 8, 2026 |
| RBC Capital | Analyst unavailable | $210 | $187.62 | +47.3% | Dec 16, 2025 |
| Robert W. Baird | Analyst unavailable | $200 | $185.8 | +40.3% | Dec 15, 2025 |
| D.A. Davidson | Peter Heckmann | $190 | $154.3 | +33.3% | Oct 29, 2025 |
| Wells Fargo | Jason Kupferberg | $161 | $156.92 | +13.0% | Oct 21, 2025 |
| Robert W. Baird | David Koning | $172 | $152.22 | +20.7% | Oct 17, 2025 |
| D.A. Davidson | Analyst unavailable | $204 | $165.56 | +43.1% | Aug 22, 2025 |
| Robert W. Baird | David Koning | $195 | $185.67 | +36.8% | Oct 17, 2024 |
| Oppenheimer | Rayna Kumar | $206 | $176.54 | +44.5% | Sep 30, 2024 |
| Robert W. Baird | David Koning | $186 | $163.75 | +30.5% | Apr 17, 2024 |
| RBC Capital | Analyst unavailable | $193 | $176.64 | +35.4% | Nov 10, 2022 |
| Morgan Stanley | Analyst unavailable | $185 | $197.43 | +29.8% | Aug 18, 2022 |
| Credit Suisse | Analyst unavailable | $180 | $197.3 | +26.3% | Aug 18, 2022 |
| RBC Capital | Analyst unavailable | $199 | $197.3 | +39.6% | Aug 18, 2022 |
| Oppenheimer | Analyst unavailable | $214 | $199.69 | +50.1% | Jul 25, 2022 |
| Morgan Stanley | Analyst unavailable | $190 | $177.11 | +33.3% | Jun 15, 2022 |
Track every rating change on JKHY the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationJack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, automated clearing house origination and remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions.…
Historical context
All JKHY earningsTechnology peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| ACN Accenture plc | FY2026 Q4 · Calendar Q4 2026 | +3.5% | +15.8% | Accenture: AI demand supports strong Q4, while pricing and geopolitics remain risks |
| JBL Jabil Inc. | FY2026 Q4 · Calendar Q3 2026 | +8.1% | -10.0% | Jabil enters FY2027 with AI-led growth and capacity risks |
| MU Micron Technology, Inc. | FY2026 Q4 · Calendar Q3 2026 | +5.4% | +0.0% | Micron: Strong AI Memory Demand, Higher Capex, and HBM4E Ahead |
| SNX TD Synnex Corp | FY2026 Q3 · Calendar Q3 2026 | +20.9% | -9.9% | TD SYNNEX: AI-led growth accelerates, but mix and cash flow matter |
| ADBE Adobe Inc. | FY2026 Q3 · Calendar Q3 2026 | +0.8% | +1.4% | Adobe raises FY26 outlook as AI strategy broadens |
| ORCL Oracle Corporation | FY2027 Q1 · Calendar Q3 2026 | +10.3% | -1.7% | Oracle raises FY27 outlook as AI demand accelerates cloud growth |
Latest beats and misses
Who reports nextBeat on EPS
- ACNFY2026 Q4 · October 1, 2026+3.5% EPS+15.8% move
- MKCFY2026 Q3 · October 1, 2026+13.9% EPS-4.9% move
- NKEFY2027 Q1 · October 1, 2026+10.0% EPS-0.7% move
- CAGFY2027 Q1 · September 30, 2026+44.4% EPS-4.9% move
- FDSFY2026 Q4 · September 30, 2026+3.9% EPS+3.8% move
- JBLFY2026 Q4 · September 30, 2026+8.1% EPS-10.0% move
Get the JKHY recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:36:15.940040+00:00
- Polygon adjusted daily market bars · 2026-10-03T14:16:08.521682+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-03T14:16:08.518811+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-03. For educational purposes only; not investment advice.