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Sentiment · FY2026 Q3
What companies say about each other on earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“this quarter we signed an important deal with Jack Henry to offer Visa Direct through their digital applications to facilitate rapid transfers among bank accounts and enable their community and regional financial institution clients to offer Visa Direct to their consumer account holders and SMBs.”
Visa signed a deal with Jack Henry to distribute Visa Direct through Jack Henry's digital banking applications, extending real-time money movement to community and regional bank clients.
“we were pleased to extend our contract with Jack Henry, a long-standing partner for issuer processing via Valero.”
Fiserv extended its long-standing issuer processing contract with Jack Henry.
“For example, in the disbursement space, we partnered with Jack Henry to distribute Mastercard move to thousands of community banks through their rapid transfer solution.”
Jack Henry is distributing Mastercard Move disbursement capability to thousands of community banks through its rapid transfer solution.
“First of all, Stripe and Square are taking deposits away from our institutions, and they're not getting them back because then they're lending to them or they're doing other things.”
Jack Henry frames Square (Block) as a competitor pulling SMB deposits away from its bank/credit-union clients.
“First of all, Stripe and Square are taking deposits away from our institutions, and they're not getting them back because then they're lending to them or they're doing other things.”
Jack Henry frames Stripe as a competitor pulling SMB deposits away from its bank/credit-union clients, positioning Tap2Local as a defense.
“Our integration of Victor Technologies, which we acquired on September 30, is progressing extremely well.”
Jack Henry's Sept 30 acquisition of embedded-payments platform Victor Technologies is integrating well and extending to Symitar credit union clients.
“Built in partnership with Moov, Tap2Local delivers differentiated capabilities for SMBs, including easy enrollment, tap to pay on both iOS and Android devices without additional hardware and continuous account reconciliation to the accounting platform of their choice.”
Jack Henry built its new Tap2Local merchant-acquiring solution in partnership with fintech Moov.
“Over the past year, the number of financial institutions using Zelle has grown by 20%, the Clearing House's RTP network by 25% and FedNow by 32%.”
Jack Henry reports 20% growth in financial institutions using Zelle among its client base, a positive adoption read-through for the Zelle network.
“We are collaborating with both Visa and Mastercard to facilitate these transactions through their respective debit rails.”
Jack Henry's Rapid Transfers uses Mastercard debit rails to move funds, positioning Mastercard as a transaction-enablement partner.
“We are collaborating with both Visa and Mastercard to facilitate these transactions through their respective debit rails.”
Jack Henry's Rapid Transfers uses Visa debit rails to move funds, positioning Visa as a transaction-enablement partner.
“Built in partnership with Moov, Tap2Local delivers differentiated capabilities for SMBs, including easy enrollment, tap to pay on both iOS and Android devices without additional hardware”
Jack Henry built its Tap2Local and Rapid Transfers merchant-acquiring solutions in partnership with Moov, a positive read-through for the fintech infrastructure provider.
“I'll start with our acquisition of Victor Technologies, which closed on September 30.”
Jack Henry acquired Victor Technologies, an embedded-payments platform, to strengthen its payments-as-a-service and banking-as-a-service capabilities.
“what's going out to the stripes and the squares and into the chimes and others to be able to stay within our financial institutions.”
Jack Henry cites deposits and accounts leaving its community-bank clients for fintechs like Stripe, framing them as share-gaining competitors to traditional FIs.
“what's going out to the stripes and the squares and into the chimes and others to be able to stay within our financial institutions.”
Jack Henry cites deposits and accounts leaving its community-bank clients for neobanks like Chime, framing them as share-gaining competitors to traditional FIs.
“what's going out to the stripes and the squares and into the chimes and others to be able to stay within our financial institutions.”
Jack Henry cites deposits and accounts leaving its community-bank clients for fintechs like Square, framing them as share-gaining competitors to traditional FIs.
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Jim Faucette | Morgan Stanley | 13 (0%) |
| Rayna Kumar | Oppenheimer | 10 (10%) |
| John Davis | Raymond James | 10 (20%) |
| Kartik Mehta | Northcoast Research | 10 (0%) |
| Ken Suchoski | Autonomous Research | 10 (0%) |
| Vasu Govil | KBW | 10 (0%) |
| Dave Koning | Robert W. Baird | 9 (22%) |
| Will Nance | Goldman Sachs | 9 (0%) |
| Chris Kennedy | William Blair | 8 (0%) |
| Darrin Peller | Wolfe Research | 8 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage 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 posted a record Q2 FY2026 with GAAP revenue up 8% and GAAP EPS of $1.72, up 29%, featuring an exceptional 355 basis points of non-GAAP margin expansion. Twenty-two competitive core wins with a 68% trifecta rate demonstrated the integrated platform's strength in gaining market share despite industry consolidation. FY2026 guidance was raised for the second consecutive quarter with GAAP EPS to $6.56-$6.72, and SMB solutions scaled with 400 Tap2Local and 75 Rapid Transfers clients. The Victor Technologies integration was accelerating the embedded payments strategy.
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 | 6 | +5.6% | |
| 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 | 7 | +30.1% | |
| FISV Fiserv, Inc. | 3 | -2.0% | |
| IBM International Business Machines Corporation | 8 | +9.5% | |
| IT Gartner | 8 | +2.0% | |
| LDOS Leidos | 7 | +3.6% |