Jack Henry (JKHY) Q3 FY26 earnings call

Earnings call· Mar 2026 (Q3 FY26)· Information Technology· May 6, 2026

Source: earnings call transcript

Jack Henry delivered record third-quarter results driven by strong sales momentum in core wins, particularly with integrated "trifecta" solutions, and robust growth in cloud and payment processing. While the company raised its full-year guidance, Q4 is anticipated to see lower revenue growth and margin pressure from specific expense items and revenue mix shifts, though management maintains a positive outlook for the full fiscal year and beyond.

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JKHY operating KPIs by quarter

JKHY operating KPIs stated on its earnings calls, by fiscal quarter
KPI	This call Mar 2026 Q3 FY26	Jun 2026 Q4 FY26	Change vs prior quarter
Competitive core wins	17 Our sales and marketing team delivered an outstanding quarter with 17 competitive core wins, including 5 institutions with more than $1 billion in assets. Source: earnings call transcript	15 As we briefly mentioned in our Q3 call, we signed the largest new bank client in our company's history in Q4, Woodforest National Bank with $9.2 billion in assets Woodforest was 1 of 15 competitive core deals we won in the fourth quarter. Source: earnings call transcript	-11.8%
On-premise to private cloud contracts signed Core	4 In core, in addition to the 17 competitive wins I mentioned earlier, we also secured 4 on-premise to private cloud contracts, including 1 institution over $1 billion. Source: earnings call transcript	13 In Core, in addition to the 15 competitive core wins in Q4, we also secured 13 on-premise to private cloud contracts, including 7 institutions over $1 billion. Source: earnings call transcript	+225%
On-premise to private cloud contracts signed Core - Institutions over $1 billion	1 In core, in addition to the 17 competitive wins I mentioned earlier, we also secured 4 on-premise to private cloud contracts, including 1 institution over $1 billion. Source: earnings call transcript	7 In Core, in addition to the 15 competitive core wins in Q4, we also secured 13 on-premise to private cloud contracts, including 7 institutions over $1 billion. Source: earnings call transcript	+600%
Contracts signed Financial Crimes Defender and Faster Payment Modular	36 In complementary, we signed 36 new financial crimes, Defender and faster payment modular contracts during the quarter. Source: earnings call transcript	61 In complementary, we signed 61 new Financial Crimes Defender and faster payment module contracts in the fourth quarter and 183 for the full year. Source: earnings call transcript	+69.4%
Completed installations Financial Crimes Defender	168 As of March 31, we have completed 168 financial crimes Defender installations and another 68 in various stages of implementation. Source: earnings call transcript	189 As of June 30, we completed 189 Financial Crimes Defender installations and another 57 are in various stages of implementation. Source: earnings call transcript	+12.5%
Installed modules Faster payment modules	168 We've also installed 168 faster payment modules with an additional 256 products. Source: earnings call transcript	191 We have also installed 191 faster payment modules with an additional 231 in progress. Source: earnings call transcript	+13.7%
Signings Banno Retail	23 The Banno Digital platform had another strong quarter with 23 retail and 34 Banno business signings. Source: earnings call transcript	26 The Banno Digital platform had another strong quarter with 26 retail and 34 Banno business signings. Source: earnings call transcript	+13%
Signings Banno Business	34 The Banno Digital platform had another strong quarter with 23 retail and 34 Banno business signings. Source: earnings call transcript	34 The Banno Digital platform had another strong quarter with 26 retail and 34 Banno business signings. Source: earnings call transcript	0%
Registered users Banno	15.5M+ platform now serves more than 15.5 million registered users, up 13% from a year ago. Source: earnings call transcript	15.8M+ The platform now serves more than 15.8 million registered users, up 11% from a year ago. Source: earnings call transcript	—

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.