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Sentiment · FY2026 Q3
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Jim Faucette | Morgan Stanley | 13 | 0% |
| Ken Suchoski | Autonomous Research | 10 | 0% |
| Rayna Kumar | Oppenheimer | 10 | 10% |
| John Davis | Raymond James | 10 | 20% |
| Vasu Govil | KBW | 10 | 0% |
| Kartik Mehta | Northcoast Research | 10 | 0% |
| Will Nance | Goldman Sachs | 9 | 0% |
| Dave Koning | Robert W. Baird | 9 | 22% |
| Dominick Gabriele | Compass Point | 8 | 0% |
| Darrin Peller | Wolfe Research | 8 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Raymond James | 2 | 14 | 14% |
| Morgan Stanley | 1 | 13 | 0% |
| Wells Fargo | 3 | 13 | 8% |
| Oppenheimer | 1 |
| 10 |
| 10% |
| KBW | 1 | 10 | 0% |
| Northcoast Research | 1 | 10 | 0% |
| Autonomous Research | 1 | 10 | 0% |
| Goldman Sachs | 1 | 9 | 0% |
Jack Henry delivered Q3 FY2026 with GAAP revenue up 9% and GAAP EPS of $1.71, up 12%, extending the streak with 43 year-to-date core wins and a 58% trifecta win rate demonstrating integrated platform strength. Non-GAAP revenue growth guidance was tightened to 6.6-7.1%, and FY2026 guidance was raised for the third consecutive quarter with year-to-date non-GAAP margin improvement of 195 basis points. SMB products gained traction with 700+ Tap2Local clients and 110+ Rapid Transfers, while the AI strategy advanced with 500+ internal use cases and 14 product proofs of concept. Technology spending commitment increased to 88% of clients.
Revenue Growth | Demand | Competitive Dynamics | Guidance Reliability | Innovation & R&D | Margin | M&A | Macroeconomic | |
|---|---|---|---|---|---|---|---|---|
| 2025Q1 | 7 | 4 | 4 | 2 | 4 | 4 | 2 | 2 |
| 2025Q2 | 11 | 5 | 4 | 3 | 2 | 1 | 2 | 2 |
| 2025Q3 | 8 | 8 | 7 | 3 | 3 | 2 | 3 | 2 |
| 2025Q4 | 8 | 1 | 5 | 6 | 2 | 2 | 2 | 2 |
| 2026Q1 | 4 | 5 | 3 | 2 | 1 | 2 | 2 | 1 |
| 2026Q2 | 8 | 8 | 9 | 3 | 3 | 2 | 2 | 1 |
| 2026Q3 | 8 | 10 | 6 | 7 | 4 | 4 | 1 | 2 |
| '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | '26Q2 | '26Q3 | |
|---|---|---|---|---|---|---|---|
| Revenue Growth | 7 | 11 | 8 | 8 | 4 | 8 | 8 |
| Demand | 4 | 5 | 8 | 1 | 5 | 8 | 10 |
| Competitive Dynamics | 4 | 4 | 7 | 5 | 3 | 9 | 6 |
| Guidance Reliability | 2 | 3 | 3 | 6 | 2 | 3 | 7 |
| Innovation & R&D | 4 | 2 | 3 | 2 | 1 | 3 | 4 |
| Margin | 4 | 1 | 2 | 2 | 2 | 2 | 4 |
| M&A | 2 | 2 | 3 | 2 | 2 | 2 | 1 |
| Macroeconomic | 2 | 2 | 2 | 2 | 1 | 1 | 2 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
JKHY Jack Henry & Associates | 8 | +8.7% | |
| ACN Accenture | 8 | +8.3% | |
| BR Broadridge Financial Solutions | 8 | +7.8% | |
| CDW CDW | 8 | +9.3% | |
| CTSH Cognizant | 8 | +5.8% | |
| EPAM EPAM Systems | 8 | +7.6% | |
| FIS Fidelity National Information Services | 8 | +8.2% | |
| FISV Fiserv, Inc. | 3 | -2.0% | |
| IBM International Business Machines Corporation | 8 | +9.5% | |
| IT Gartner | 8 | +2.0% | |
| LDOS Leidos | 7 | +3.6% |