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Sentiment · FY2026 Q4
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Gross margin | Op margin | Net margin | FCF |
|---|---|---|---|---|---|---|---|---|
| FY2025 Q1 | $601M | +5.2% | $1.63 | +17.3% | 42.9% | 25.2% | 19.8% | $104M |
| FY2025 Q2 | $574M | +5.2% | $1.34 | +6.3% | 42.0% | 21.4% | 17.1% | $73M |
| FY2025 Q3 | $585M | +8.6% | $1.52 | +27.7% | 41.8% | 23.7% | 19.0% | $96M |
| FY2025 Q4 | $615M | +9.9% | $1.75 | +26.8% | 44.1% | 25.3% | 20.7% | $315M |
| FY2026 Q1 | $645M | +7.3% | $1.97 | +20.9% | 45.9% | 28.5% | 22.3% | $112M |
| FY2026 Q2 | $619M | +7.9% | $1.72 | +28.4% | 43.3% | 25.7% | 20.1% | $131M |
| FY2026 Q3 | $636M | +8.7% | $1.71 | +12.5% | 42.8% | 24.4% | 19.3% | $170M |
| FY2026 Q4 | $644M | +4.7% | $1.58 | -9.7% | 42.5% | 21.2% | 17.3% | $0 |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| James Faucette | Morgan Stanley | 14 (0%) |
| Kartik Mehta | Northcoast Research | 12 (0%) |
| Will Nance | Goldman Sachs |
| 11 (0%) |
| John Davis | Raymond James | 10 (20%) |
| Dominick Gabriele | Loop Capital | 10 (0%) |
| Ken Suchoski | Autonomous Research | 10 (0%) |
| Rayna Kumar | Oppenheimer | 10 (10%) |
| Jason Kupferberg | Wells Fargo | 10 (10%) |
| Vasu Govil | KBW | 10 (0%) |
| Dave Koning | Robert W. Baird | 9 (22%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Wells Fargo | 3 | 15 (7%) |
| Raymond James | 2 | 14 (14%) |
| Morgan Stanley | 1 | 14 (0%) |
| Northcoast Research | 1 | 12 (0%) |
| Oppenheimer | 2 | 12 (8%) |
| Goldman Sachs | 1 | 11 (0%) |
| Loop Capital | 1 | 10 (0%) |
| KBW | 1 | 10 (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 | Capital Allocation | |
|---|---|---|---|---|---|---|---|---|
| 2025Q1 | 7 | 4 | 4 | 2 | 4 | 4 | 2 | 3 |
| 2025Q2 | 11 | 5 | 4 | 3 | 2 | 1 | 2 | 2 |
| 2025Q3 | 8 | 8 | 7 | 3 | 3 | 2 | 3 | 1 |
| 2025Q4 | 8 | 1 | 5 | 6 | 2 | 2 | 2 | 3 |
| 2026Q1 | 4 | 5 | 3 | 2 | 1 | 2 | 2 | |
| 2026Q2 | 8 | 8 | 9 | 3 | 3 | 2 | 2 | 2 |
| 2026Q3 | 8 | 10 | 6 | 7 | 4 | 4 | 1 | 1 |
| '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 |
| Capital Allocation | 3 | 2 | 1 | 3 | 2 | 1 |
What JKHY and other companies said about each other on FY2026 Q3 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“we noticed one bank with over $25 billion in assets expanding its collaboration directly with OpenAI.”
An analyst noted a large bank collaborating directly with OpenAI, raising the question of AI-driven disintermediation risk to core processors like Jack Henry.
“which is why somebody like Wells Fargo can spend the money to build that out based on the Visa relationship that they have”
Wells Fargo's win for Pismo reflects a large bank building out its own core capabilities via its Visa relationship, a competitive datapoint cited by Jack Henry.
“But there isn't any true deposit capabilities or lending capabilities in Pismo today, and I validated that with Visa.”
Jack Henry downplays Visa-owned Pismo as a core-banking competitor, arguing it is a ledger without true deposit or lending functionality.
“I mean we obviously have a strong relationship with Visa, and I have validated that at very top levels.”
Jack Henry characterizes its relationship with Visa as strong, having validated Pismo's limits directly with Visa at senior levels.
“I also want to highlight early progress on our enhanced embedded payments capabilities following the acquisition of Victor Technologies last fall.”
Jack Henry acquired Victor Technologies last fall and rebranded its platform as Jack Henry Payments Orchestrator, an embedded-payments capability now signing banks and fintechs.
| 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 | 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% |