Jun 2026 (Q4 FY26) — Aug 19, 2026
Jack Henry Q4 FY26 — Record Sales and Strong Margin Expansion
Read the full callJack Henry (JKHY) earnings
- Jun 2026
- Jun 2026 (Q4 FY26)
- Jun 2026
Jack Henry earnings: last reported Wed, 19 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 644 | +4.7% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | 21.2 | −4.1 pts YoY | Operating profit / revenue | Quarter to Jun 2026 | For the quarter; a change is in percentage points. |
| Net profit | 111 | −12.8% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$152.79 −0.26% · −$0.4
Performance −0.1% 1Y
1Y: $152.93 on 17 Oct 2025 → $152.79. High $192.6 (14 Jan 2026), low $123.42 (22 Jun 2026).
- Previous close
- $153.19
- 52-week range
- $123.42 – $192.6
- One year
- −1.47%
Overview
- Symbol
- JKHY
- Sector
- Information Technology
- Exchange
- US
- Currency
- USD
Call summaries
Mar 2026 (Q3 FY26) — May 6, 2026
Jack Henry Q3 FY26 — Record Core Wins and Strong Revenue Growth
Read the full callEvery analysed call
Jack Henry earnings calls (JKHY)
Financials
What the filings say
Net profit, year on year: −13% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 601 | 574 | 585 | 615 | 645 | 619 | 636 | 644 |
| Expenses | 450 | 451 | 446 | 460 | 461 | 460 | 481 | 507 |
| Operating profit | 151 | 123 | 139 | 156 | 184 | 159 | 155 | 137 |
| Operating margin | 25.2% | 21.4% | 23.7% | 25.3% | 28.6% | 25.7% | 24.4% | 21.2% |
| Profit before tax | 157 | 127 | 142 | 160 | 190 | 164 | 159 | 140 |
| Tax rate | 24.0% | 23.2% | 21.7% | 20.2% | 24.3% | 24.1% | 22.5% | 20.4% |
| Net profit | 119 | 98 | 111 | 128 | 144 | 125 | 123 | 111 |
| EPS ($ per share) | 1.63 | 1.34 | 1.53 | — | 1.98 | 1.73 | 1.71 | — |
| Line item | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 2,066 | 2,235 | 2,412 | 2,636 | 2,856 | 3,082 | 3,373 | 3,705 |
| Total liabilities | 756 | 879 | 1,017 | 1,074 | 1,165 | 1,082 | 913 | 1,094 |
| Fixed assets | 272 | 273 | 252 | 212 | 206 | 215 | 221 | 220 |
| Total assets | 2,185 | 2,428 | 2,336 | 2,456 | 2,774 | 2,924 | 3,044 | 3,146 |
| Line item | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 431 | 511 | 462 | 505 | 382 | 568 | 642 | 762 |
| Cash from investing | -191 | -198 | -162 | -196 | -410 | -240 | -232 | -278 |
| Cash from financing | -178 | -193 | -462 | -310 | -8 | -302 | -346 | -574 |
| Capital expenditure | -54 | -54 | -23 | -35 | -39 | -58 | -53 | -67 |
| Free cash flow | 378 | 457 | 439 | 470 | 342 | 510 | 588 | 695 |
JKHY revenue by segment
Core shrank from 33% to 31% of revenue over the last two years.
| Segment | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|---|
| Payments | 35% | 37% | 37% | 37% | 36% | 37% | 37% | 37% | +4.9% |
| Core | 33% | 30% | 31% | 31% | 30% | 30% | 31% | 30% | +1.0% |
| Complementary | 29% | 28% | 29% | 28% | 30% | 29% | 29% | 29% | +7.8% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
JKHY operating KPIs by quarter
| KPI | Mar 2026 Q3 FY26 | Jun 2026 Q4 FY26 | Change vs prior quarter |
|---|---|---|---|
| Competitive core wins | 17Our 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 | 15As 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 | 4In 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 | 13In 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 | 1In 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 | 7In 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 | 36In complementary, we signed 36 new financial crimes, Defender and faster payment modular contracts during the quarter.Source: earnings call transcript | 61In 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 | 168As of March 31, we have completed 168 financial crimes Defender installations and another 68 in various stages of implementation.Source: earnings call transcript | 189As 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 | 168We've also installed 168 faster payment modules with an additional 256 products.Source: earnings call transcript | 191We have also installed 191 faster payment modules with an additional 231 in progress.Source: earnings call transcript | +13.7% |
| Signings Banno Retail | 23The Banno Digital platform had another strong quarter with 23 retail and 34 Banno business signings.Source: earnings call transcript | 26The Banno Digital platform had another strong quarter with 26 retail and 34 Banno business signings.Source: earnings call transcript | +13% |
| Signings Banno Business | 34The Banno Digital platform had another strong quarter with 23 retail and 34 Banno business signings.Source: earnings call transcript | 34The 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.
Insider filings
66 filings between Nov 10, 2025 and Aug 27, 2026.
Open market
decisions to buy or sellPurchases
$317.1K
2 purchases by 2 insiders
Sales
$3.53M
2 sales by 2 insiders
Compensation
not trading decisions- 12
- Award — granted as compensation
- 22
- Option exercise — converted options into shares
- 26
- Tax withheld — shares kept back by the company to cover tax
Also filed: 2 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Foss David B | — | $3.50M | Dec 1, 2025 |
| Adelson Gregory R. | $266.8K | — | May 14, 2026 |
| Carsley Mimi | $50.3K | — | May 14, 2026 |
| McLachlan Shanon G. | — | $36.5K | Nov 10, 2025 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 27, 2026 | McLachlan Shanon G. COO | Tax withheld | 73 | $12.6K |
| Aug 27, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Award | 355 | $0 |
| Aug 27, 2026 | McLachlan Shanon G. COO | Tax withheld | 68 | $11.7K |
| Aug 27, 2026 | Morgan Craig Keith CLO & Secretary | Award | 1,206 | $0 |
| Aug 27, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Award | 378 | $0 |
| Aug 27, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Award | 161 | $0 |
| Aug 27, 2026 | Morgan Craig Keith CLO & Secretary | Award | 513 | $0 |
| Aug 27, 2026 | Adelson Gregory R. President & CEO | Tax withheld | 495 | $85.3K |
| Aug 27, 2026 | McLachlan Shanon G. COO | Tax withheld | 31 | $5.3K |
| Aug 27, 2026 | Morgan Craig Keith CLO & Secretary | Tax withheld | 226 | $39.0K |
| Aug 27, 2026 | Adelson Gregory R. President & CEO | Award | 1,114 | $0 |
| Aug 27, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Tax withheld | 157 | $27.1K |
| Aug 27, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Tax withheld | 167 | $28.8K |
| Aug 27, 2026 | Adelson Gregory R. President & CEO | Award | 2,456 | $0 |
| Aug 27, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Tax withheld | 71 | $12.2K |
| Aug 27, 2026 | Morgan Craig Keith CLO & Secretary | Award | 1,130 | $0 |
| Aug 27, 2026 | Morgan Craig Keith CLO & Secretary | Tax withheld | 498 | $85.9K |
| Aug 27, 2026 | Morgan Craig Keith CLO & Secretary | Tax withheld | 532 | $91.7K |
| Aug 27, 2026 | Adelson Gregory R. President & CEO | Award | 2,620 | $0 |
| Aug 27, 2026 | Adelson Gregory R. President & CEO | Tax withheld | 1,162 | $200.3K |
| Aug 27, 2026 | McLachlan Shanon G. COO | Award | 196 | $0 |
| Aug 27, 2026 | McLachlan Shanon G. COO | Award | 183 | $0 |
| Aug 27, 2026 | Adelson Gregory R. President & CEO | Tax withheld | 1,090 | $187.9K |
| Aug 27, 2026 | McLachlan Shanon G. COO | Award | 83 | $0 |
| Aug 4, 2026 | McLachlan Shanon G. COO | Option exercise | 969 | — |
| Aug 4, 2026 | Morgan Craig Keith CLO & Secretary | Option exercise | 669 | — |
| Aug 4, 2026 | McLachlan Shanon G. COO | Tax withheld | 289 | $45.2K |
| Aug 4, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Tax withheld | 103 | $16.1K |
| Aug 4, 2026 | McLachlan Shanon G. COO | Option exercise | 783 | — |
| Aug 4, 2026 | Adelson Gregory R. President & CEO | Tax withheld | 2,122 | $332.2K |
| Aug 4, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Tax withheld | 93 | $14.6K |
| Aug 4, 2026 | Adelson Gregory R. President & CEO | Option exercise | 4,783 | — |
| Aug 4, 2026 | McLachlan Shanon G. COO | Tax withheld | 80 | $12.5K |
| Aug 4, 2026 | Adelson Gregory R. President & CEO | Tax withheld | 1,738 | $272.0K |
| Aug 4, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Tax withheld | 98 | $15.3K |
| Aug 4, 2026 | Adelson Gregory R. President & CEO | Option exercise | 3,917 | — |
| Aug 4, 2026 | McLachlan Shanon G. COO | Option exercise | 217 | — |
| Aug 4, 2026 | Adelson Gregory R. President & CEO | Tax withheld | 646 | $101.1K |
| Aug 4, 2026 | Adelson Gregory R. President & CEO | Option exercise | 1,455 | — |
| Aug 4, 2026 | Morgan Craig Keith CLO & Secretary | Tax withheld | 262 | $41.0K |
| Aug 4, 2026 | Carsley Mimi CFO and Treasurer | Tax withheld | 769 | $120.4K |
| Aug 4, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Option exercise | 210 | — |
| Aug 4, 2026 | Carsley Mimi CFO and Treasurer | Option exercise | 1,751 | — |
| Aug 4, 2026 | Morgan Craig Keith CLO & Secretary | Option exercise | 594 | — |
| Aug 4, 2026 | Carsley Mimi CFO and Treasurer | Tax withheld | 642 | $100.5K |
| Aug 4, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Option exercise | 222 | — |
| Aug 4, 2026 | Carsley Mimi CFO and Treasurer | Option exercise | 1,462 | — |
| Aug 4, 2026 | Morgan Craig Keith CLO & Secretary | Tax withheld | 295 | $46.2K |
| Aug 4, 2026 | McLachlan Shanon G. COO | Tax withheld | 358 | $56.0K |
| Aug 4, 2026 | Swearingen Renee Ann Sr VP & Chief Accounting Offic | Option exercise | 233 | — |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
Your own record
Start an Inve Case for JACK HENRY & ASSOCIATES INC
Free account. Everything above stays public.
Write why you follow JACK HENRY & ASSOCIATES INC and the condition you want checked. Inve compares your numeric conditions with available results and management guidance; your own conditions remain yours to review.
Keep reading