Analyst Consensus ?
ConsensusBuy24 ratings
Bullish1562.5%
Neutral937.5%
Bearish00.0%
Jack Henry & Associates, Inc. · JKHY · FY2027 Q1 · Calendar Q4 2026
Jack Henry Raises FY2027 Outlook as Core and Digital Demand Strengthens
The call suggests a firmer growth outlook, supported by stronger core wins and continued demand across digital banking, payments and security. The case depends on converting product momentum into growth while absorbing higher cyber, AI and infrastructure investment.
Reported After market closeNASDAQTechnology
$11.33B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$2.28
Consensus $2.07
EPS surprise
+10.1%
Reported versus consensus
Reported revenue
$701.5M
Consensus $685.5M
Revenue surprise
+2.3%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+10.8%
Event window
SPY move
+1.7%
Same window
Abnormal move
+9.2%
Stock minus SPY
Volume
1.8×
Versus trailing sessions
Subsequent drift
0.0%
Up to 20 sessions
JKHYSPY benchmark
Ask FN2 about JKHY FY2027 Q1
Transcript, numbers and history already loaded
Why did JKHY rise 10.8% after beating EPS estimates in FY2027 Q1?What changed in JKHY's guidance and outlook in FY2027 Q1?Give me the bull and bear case for JKHY after FY2027 Q1 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Management raised FY2027 guidance and pointed to more than doubled year-over-year core wins, with 63% of wins classified as trifecta deals. The update adds a more constructive outlook than the prior quarter, when guidance was maintained. Current guidance is stated on a non-GAAP basis, while the prior-quarter revenue-growth range supplied here was GAAP, so the ranges are not directly comparable.
Guidance delta
Raised FY2027 non-GAAP revenue-growth guidance to 6.6%–7.4% and EPS guidance to $7.47–$7.51. The prior-quarter analysis described 5.5%–6.5% GAAP revenue growth; the differing accounting bases limit direct comparison.
Key takeaways
- Management reported a record Q1 and expanding operating margin in its transcript analysis.
- Core wins more than doubled year over year; 63% were trifecta deals spanning core, digital and card offerings.
- Management highlighted demand across Banno, Gladiator and payment products, and expanded its AI portfolio and consulting plans.
Management priorities
- Expand AI-enabled products and launch AI consulting services.
- Increase adoption of the Jack Henry Platform and digital banking offerings in new core deals.
- Advance faster payments and planned Moov Money integration, alongside tokenized-deposit and stablecoin testing.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$179.16Current
$158Low
$186.5Average
$215High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Nov 4, 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 |
|---|---|---|---|---|
| Piper Sandler | Overweight | Neutral | Upgrade | Oct 9, 2026 |
| 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 |
| 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 $179.16. 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 | -11.8% | Sep 30, 2026 |
| Seaport Global | Analyst unavailable | $193 | $147.79 | +7.7% | Sep 28, 2026 |
| Raymond James | Analyst unavailable | $199 | $158.38 | +11.1% | Sep 16, 2026 |
| Piper Sandler | Bill Carcache | $175 | $154.07 | -2.3% | Sep 16, 2026 |
| KeyBanc | Andrew Schmidt | $190 | $166.58 | +6.1% | Sep 14, 2026 |
| Piper Sandler | Analyst unavailable | $171 | $161.42 | -4.6% | Sep 10, 2026 |
| Wolfe Research | Darrin Peller | $215 | $170.51 | +20.0% | Aug 25, 2026 |
| RBC Capital | Analyst unavailable | $178 | $165.2 | -0.6% | Aug 20, 2026 |
| UBS | Timothy Chiodo | $170 | $163.06 | -5.1% | Aug 20, 2026 |
| Goldman Sachs | Analyst unavailable | $178 | $163.06 | -0.6% | Aug 20, 2026 |
| Barclays | Analyst unavailable | $185 | $163.06 | +3.3% | Aug 20, 2026 |
| D.A. Davidson | Peter Heckmann | $198 | $167.68 | +10.5% | Aug 19, 2026 |
| Oppenheimer | Analyst unavailable | $209 | $153.12 | +16.7% | Aug 19, 2026 |
| Barclays | Analyst unavailable | $170 | $146.71 | -5.1% | Jul 8, 2026 |
| Wolfe Research | Analyst unavailable | $165 | $135 | -7.9% | Jun 29, 2026 |
| RBC Capital | Analyst unavailable | $173 | $124.22 | -3.4% | Jun 18, 2026 |
| Morgan Stanley | Analyst unavailable | $170 | $146.33 | -5.1% | May 8, 2026 |
| RBC Capital | Analyst unavailable | $180 | $145.51 | +0.5% | May 7, 2026 |
| UBS | Analyst unavailable | $165 | $143.95 | -7.9% | May 7, 2026 |
| Wells Fargo | Analyst unavailable | $196 | $156.76 | +9.4% | Feb 17, 2026 |
| Morgan Stanley | Analyst unavailable | $183 | $173.78 | +2.1% | Feb 5, 2026 |
| Stephens | Analyst unavailable | $205 | $173.78 | +14.4% | Feb 5, 2026 |
| Robert W. Baird | David Koning | $205 | $173.78 | +14.4% | Feb 5, 2026 |
| Wells Fargo | Analyst unavailable | $181 | $177.94 | +1.0% | Jan 30, 2026 |
| D.A. Davidson | Peter Heckmann | $216 | $178.27 | +20.6% | Jan 29, 2026 |
| Stephens | Analyst unavailable | $200 | $189.54 | +11.6% | Jan 16, 2026 |
| UBS | Analyst unavailable | $195 | $188.65 | +8.8% | Jan 8, 2026 |
| Wolfe Research | Darrin Peller | $220 | $185.97 | +22.8% | Jan 8, 2026 |
| RBC Capital | Analyst unavailable | $210 | $187.62 | +17.2% | Dec 16, 2025 |
| Robert W. Baird | Analyst unavailable | $200 | $185.8 | +11.6% | Dec 15, 2025 |
| D.A. Davidson | Peter Heckmann | $190 | $154.3 | +6.1% | Oct 29, 2025 |
| Wells Fargo | Jason Kupferberg | $161 | $156.92 | -10.1% | Oct 21, 2025 |
| Robert W. Baird | David Koning | $172 | $152.22 | -4.0% | Oct 17, 2025 |
| D.A. Davidson | Analyst unavailable | $204 | $165.56 | +13.9% | Aug 22, 2025 |
| Robert W. Baird | David Koning | $195 | $185.67 | +8.8% | Oct 17, 2024 |
| Oppenheimer | Rayna Kumar | $206 | $176.54 | +15.0% | Sep 30, 2024 |
| Robert W. Baird | David Koning | $186 | $163.75 | +3.8% | Apr 17, 2024 |
| RBC Capital | Analyst unavailable | $193 | $176.64 | +7.7% | Nov 10, 2022 |
| Morgan Stanley | Analyst unavailable | $185 | $197.43 | +3.3% | Aug 18, 2022 |
| Credit Suisse | Analyst unavailable | $180 | $197.3 | +0.5% | Aug 18, 2022 |
| RBC Capital | Analyst unavailable | $199 | $197.3 | +11.1% | Aug 18, 2022 |
| Oppenheimer | Analyst unavailable | $214 | $199.69 | +19.4% | Jul 25, 2022 |
| Morgan Stanley | Analyst unavailable | $190 | $177.11 | +6.1% | 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 |
|---|---|---|---|---|
| UBER Uber Technologies, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +4.9% | Uber reports strong Q3 bookings and cash flow, with driver supply a constraint |
| GFS GLOBALFOUNDRIES Inc. | FY2026 Q3 · Calendar Q4 2026 | — | -7.3% | GlobalFoundries shifts further toward photonics and advanced packaging |
| Q Qnity Electronics, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | -0.3% | Qnity raises FY2026 outlook as AI and advanced-node demand drive growth |
| TRMB Trimble Inc. | FY2026 Q3 · Calendar Q4 2026 | — | -17.6% | Trimble Holds FY Revenue Outlook as AI Push Expands; Shares Fall |
| TOST Toast, Inc. | FY2026 Q3 · Calendar Q4 2026 | -20.1% | +5.9% | Toast lifts outlook as recurring profit growth holds at 27% |
| SMCI Super Micro Computer, Inc. | FY2027 Q1 · Calendar Q4 2026 | +47.2% | -4.2% | Super Micro Raises FY27 Revenue Outlook After Record Q1 |
Latest beats and misses
Who reports nextBeat on EPS
- IFFFY2026 Q3 · November 3, 2026+2.1% EPS-4.9% move
- HL-PBFY2026 Q3 · November 3, 2026+54.0% EPS— move
- SUFY2026 Q3 · November 3, 2026+20.9% EPS-4.5% move
- AFGFY2026 Q3 · November 3, 2026+4.5% EPS+1.0% move
- WTRGFY2026 Q3 · November 3, 2026+13.7% EPS+2.5% move
- LTMFY2026 Q3 · November 3, 2026+25.2% EPS+9.5% move
Missed on EPS
- OHIFY2026 Q3 · November 3, 2026-42.5% EPS+3.5% move
- MOSFY2026 Q3 · November 3, 2026-1656.0% EPS+17.4% move
- OVVFY2026 Q3 · November 3, 2026-2.0% EPS-5.1% move
- BSACFY2026 Q3 · October 30, 2026-20.0% EPS-3.0% move
- TXFY2026 Q3 · November 3, 2026-24.9% EPS-0.0% move
- CHTFY2026 Q3 · November 4, 2026-55.7% EPS+0.9% 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 · 2026-11-04T18:10:52.451774+00:00
- FN2 earnings calendar · 2026-11-04T01:23:13.345574+00:00
- Polygon adjusted daily market bars · 2026-11-04T22:20:45.601915+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-11-04T22:20:45.599287+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 2026-11-04. For educational purposes only; not investment advice.