Jack Henry & Associates, Inc. · JKHY · Next earnings

Jack Henry & Associates, Inc. reports Tuesday, Nov 3, 2026

JKHY reports after market close with consensus EPS at $2.07 and revenue at $685.1M. Last quarter: JKHY Beats on EPS and Revenue, Raises FY26 Guidance, but Shares Drop on Margin Concerns

Reports After market close44 days awayDate estimated Technology

What the street expects

Consensus for the coming report
Consensus EPS $2.07 Calendar consensus
Consensus revenue $685.1M Calendar consensus
Report date Nov 3, 2026 Tuesday, date estimated
Session After market close 44 days away

Where JKHY left off: FY2026 Q3

Full report

JKHY Beats on EPS and Revenue, Raises FY26 Guidance, but Shares Drop on Margin Concerns

EPS surprise +19.6% Reported $1.71 vs $1.43
Revenue surprise +2.7% Reported $636.2M vs $619.7M
Stock move -4.3% Event window
Subsequent drift -8.5% Up to 20 sessions

Jack Henry raised full-year FY2026 guidance for both revenue and non-GAAP margin expansion, marking the second consecutive quarter of raised guidance. Non-GAAP revenue growth is now expected at 6.6% to 7.1%, up modestly from the prior quarter's 6.4% to 7.1% range. The company did not provide explicit capex guidance in Q3, whereas the prior quarter characterized the capex outlook as stable. Free cash flow conversion was previously targeted at 90% to 100%; the Q3 print showed a 137% YoY surge, well ahead of that pace.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Q4 margin pressure from normalizing medical-benefit costs and commission timing
  • Softer network incentive revenue weighing on payments growth
  • Macro-economic sensitivity of the card processing business
  • Regulatory uncertainty around stablecoin processing and federal fintech initiatives
  • Competitive pressure from emerging cloud-native core providers such as Pismo, Finxact, and Thought Machine

Questions analysts left open

  • Whether Q4 margin contraction from medical-benefit normalization and commission timing is one-off or recurring
  • Impact of lower network incentive revenue on the payments growth trajectory
  • Cost implications of AI-related cybersecurity initiatives (Mythos) and whether they scale materially
  • Effect of M&A activity on RFP volume and pipeline stability
  • Sensitivity of card processing revenue to macroeconomic conditions

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Recent JKHY quarters

All JKHY earnings
-4.3%FY2026 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.