Analyst Consensus ?
ConsensusBuy24 ratings
Bullish1458.3%
Neutral1041.7%
Bearish00.0%
Jack Henry & Associates, Inc. · JKHY · FY2026 Q1 · Calendar Q4 2025
Jack Henry raises FY2026 outlook as cloud and payments initiatives advance
The supplied analysis supports a constructive near-term operating thesis: Jack Henry paired record fiscal 2026 first-quarter performance with raised full-year guidance, cloud penetration, and new payments initiatives. The next test is whether migration, product adoption, and partnerships offset pricing and consolidation risks.
Reported After market closeNASDAQTechnology
$10.50B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$1.97
Consensus $1.71
EPS surprise
+15.2%
Reported versus consensus
Reported revenue
$644.7M
Consensus $636.0M
Revenue surprise
+1.4%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+4.9%
Event window
SPY move
+0.3%
Same window
Abnormal move
+4.5%
Stock minus SPY
Volume
1.5×
Versus trailing sessions
Subsequent drift
+12.8%
Up to 20 sessions
JKHYSPY benchmark
Ask FN2 about JKHY FY2026 Q1
Transcript, numbers and history already loaded
Why did JKHY rise 4.9% after beating EPS estimates in FY2026 Q1?What changed in JKHY's guidance and outlook in FY2026 Q1?Give me the bull and bear case for JKHY after FY2026 Q1 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Versus the prior quarter, the supplied analysis shows a higher bullish score, guidance sentiment moving from maintained to raised, and added emphasis on the Victor acquisition, payments-as-a-service, stablecoin capabilities, and early rollout of Tap2Local and Rapid Transfers.
Guidance delta
Management raised full-year fiscal 2026 revenue, EPS, and margin guidance, according to the supplied transcript analysis.
Key takeaways
- Management reported record first-quarter fiscal 2026 non-GAAP revenue and 227 basis points of non-GAAP margin expansion.
- Private-cloud migration reached 77% of core clients, with management citing roughly twice the revenue per client.
- The Victor Technologies acquisition adds payments-as-a-service and stablecoin capabilities.
- Tap2Local, Rapid Transfers, and a USDC proof of concept broaden the product pipeline.
Management priorities
- Continue private-cloud migration and pursue new core wins.
- Roll out Tap2Local and expand Rapid Transfers.
- Develop Victor's payments-as-a-service and stablecoin capabilities.
- Continue AI integration for back-office efficiency and RFP automation.
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$147.82Current
$161Low
$187.74Average
$215High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Sep 29, 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 16, 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 |
| Morgan Stanley | Equal Weight | Equal Weight | Maintain | Feb 5, 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 $147.82. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Seaport Global | Analyst unavailable | $193 | $147.79 | +30.6% | Sep 28, 2026 |
| Raymond James | Analyst unavailable | $199 | $158.38 | +34.6% | Sep 16, 2026 |
| Piper Sandler | Bill Carcache | $175 | $154.07 | +18.4% | Sep 16, 2026 |
| KeyBanc | Andrew Schmidt | $190 | $166.58 | +28.5% | Sep 14, 2026 |
| Piper Sandler | Analyst unavailable | $171 | $161.42 | +15.7% | Sep 10, 2026 |
| Wolfe Research | Darrin Peller | $215 | $170.51 | +45.4% | Aug 25, 2026 |
| RBC Capital | Analyst unavailable | $178 | $165.2 | +20.4% | Aug 20, 2026 |
| UBS | Timothy Chiodo | $170 | $163.06 | +15.0% | Aug 20, 2026 |
| Goldman Sachs | Analyst unavailable | $178 | $163.06 | +20.4% | Aug 20, 2026 |
| Barclays | Analyst unavailable | $185 | $163.06 | +25.2% | Aug 20, 2026 |
| D.A. Davidson | Peter Heckmann | $198 | $167.68 | +33.9% | Aug 19, 2026 |
| Oppenheimer | Analyst unavailable | $209 | $153.12 | +41.4% | Aug 19, 2026 |
| Barclays | Analyst unavailable | $170 | $146.71 | +15.0% | Jul 8, 2026 |
| Wolfe Research | Analyst unavailable | $165 | $135 | +11.6% | Jun 29, 2026 |
| RBC Capital | Analyst unavailable | $173 | $124.22 | +17.0% | Jun 18, 2026 |
| Morgan Stanley | Analyst unavailable | $170 | $146.33 | +15.0% | May 8, 2026 |
| RBC Capital | Analyst unavailable | $180 | $145.51 | +21.8% | May 7, 2026 |
| UBS | Analyst unavailable | $165 | $143.95 | +11.6% | May 7, 2026 |
| Wells Fargo | Analyst unavailable | $196 | $156.76 | +32.6% | Feb 17, 2026 |
| Morgan Stanley | Analyst unavailable | $183 | $173.78 | +23.8% | Feb 5, 2026 |
| Stephens | Analyst unavailable | $205 | $173.78 | +38.7% | Feb 5, 2026 |
| Robert W. Baird | David Koning | $205 | $173.78 | +38.7% | Feb 5, 2026 |
| Wells Fargo | Analyst unavailable | $181 | $177.94 | +22.4% | Jan 30, 2026 |
| D.A. Davidson | Peter Heckmann | $216 | $178.27 | +46.1% | Jan 29, 2026 |
| Stephens | Analyst unavailable | $200 | $189.54 | +35.3% | Jan 16, 2026 |
| UBS | Analyst unavailable | $195 | $188.65 | +31.9% | Jan 8, 2026 |
| Wolfe Research | Darrin Peller | $220 | $185.97 | +48.8% | Jan 8, 2026 |
| RBC Capital | Analyst unavailable | $210 | $187.62 | +42.1% | Dec 16, 2025 |
| Robert W. Baird | Analyst unavailable | $200 | $185.8 | +35.3% | Dec 15, 2025 |
| D.A. Davidson | Peter Heckmann | $190 | $154.3 | +28.5% | Oct 29, 2025 |
| Wells Fargo | Jason Kupferberg | $161 | $156.92 | +8.9% | Oct 21, 2025 |
| Robert W. Baird | David Koning | $172 | $152.22 | +16.4% | Oct 17, 2025 |
| D.A. Davidson | Analyst unavailable | $204 | $165.56 | +38.0% | Aug 22, 2025 |
| Robert W. Baird | David Koning | $195 | $185.67 | +31.9% | Oct 17, 2024 |
| Oppenheimer | Rayna Kumar | $206 | $176.54 | +39.4% | Sep 30, 2024 |
| Robert W. Baird | David Koning | $186 | $163.75 | +25.8% | Apr 17, 2024 |
| RBC Capital | Analyst unavailable | $193 | $176.64 | +30.6% | Nov 10, 2022 |
| Morgan Stanley | Analyst unavailable | $185 | $197.43 | +25.2% | Aug 18, 2022 |
| Credit Suisse | Analyst unavailable | $180 | $197.3 | +21.8% | Aug 18, 2022 |
| RBC Capital | Analyst unavailable | $199 | $197.3 | +34.6% | Aug 18, 2022 |
| Oppenheimer | Analyst unavailable | $214 | $199.69 | +44.8% | Jul 25, 2022 |
| Morgan Stanley | Analyst unavailable | $190 | $177.11 | +28.5% | 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
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|---|---|---|---|---|
| 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 |
| SAIL SailPoint, Inc. | FY2027 Q2 · Calendar Q3 2026 | +13.8% | -1.2% | SailPoint pairs 25% ARR growth with accelerating AI-driven adoption |
| CIEN Ciena Corporation | FY2026 Q3 · Calendar Q3 2026 | +22.0% | -10.4% | Ciena raises outlook as AI networking demand lifts backlog |
| DOCU DocuSign, Inc. | FY2027 Q2 · Calendar Q3 2026 | +6.4% | +3.7% | DocuSign Q2 FY27: IAM momentum supports a raised outlook |
Latest beats and misses
Who reports nextBeat on EPS
- SNXFY2026 Q3 · September 24, 2026+20.9% EPS-9.9% move
- DRIFY2027 Q1 · September 24, 20260.0% EPS-3.0% move
- CTASFY2027 Q1 · September 23, 2026+3.0% EPS-3.4% move
- PAYXFY2027 Q1 · September 23, 2026+1.5% EPS-8.8% move
- GISFY2027 Q1 · September 23, 2026+4.6% EPS+1.0% move
- AZOFY2026 Q4 · September 22, 2026+3.6% EPS+3.3% 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 · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-09-29T04:10:59.716414+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-09-29T04:10:59.713603+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 2026-09-29. For educational purposes only; not investment advice.