The strong beat and guidance raise should drive positive analyst revisions. Monitor Q4 for potential margin contraction as guided, but the long-term growth story in core banking conversions and payments remains intact.
Price Chart
Executive Summary
Jack Henry & Associates reported strong fiscal Q3 2026 results with GAAP revenue up 8.7% YoY to $636.2M and GAAP EPS of $1.71, beating consensus of $1.43 by 20%. The company raised full-year GAAP and non-GAAP guidance, citing strength in cloud, faster payments, and digital offerings.
Key Financial Metrics
Key Facts
- GAAP revenue $636.2M (+8.7% YoY), GAAP EPS $1.71 (+12.2% YoY)
- Non-GAAP adjusted revenue $615.9M (+7.3% YoY)
- Non-GAAP adjusted operating income $141.2M (+7.3% YoY)
- Raised FY26 GAAP revenue guidance to $2,521M-$2,533M (6.1-6.6% growth)
- Raised FY26 GAAP EPS guidance to $6.78-$6.87 (8.7-10.0% growth)
- 17 competitive core wins in the quarter, best Q3 in seven years
Financial Impact
EPS beat consensus by ~$0.28 (20%), revenue beat by an estimated ~$17M (3%) vs. consensus of $619M
Risk Factors
- Q4 margin contraction expected due to tougher prior-year comparables and normalization of medical claims
- Revenue growth may slow in Q4 as guided
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000779152-26-000021 |
| Document: jkhy-20260505.htm | 0000779152-26-000021 |
| Document: 0000779152-26-000021-index-headers.html | 0000779152-26-000021 |
| Document: 0000779152-26-000021-index.html | 0000779152-26-000021 |
| Document: 0000779152-26-000021.txt | 0000779152-26-000021 |
| 8-K Data (Synthetic) | 0000779152-26-000021 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 24, 2026 7w ago | 8-K | $173.62 $148.33 | ▼ −14.57% | ▼ −15.54% | $153.19 (−11.77%) |
Aug 11, 2026 9w ago | Press Release | $152.31 $161.42 | ▲ +5.98% | ▲ +7.88% | $153.19 (+0.58%) |
Jul 28, 2026 11w ago | Press Release | $157.43 $173.62 | ▲ +10.28% | ▲ +6.90% | $153.19 (−2.69%) |
Jun 4, 2026 19w ago | 8-K | $130.37 $146.87 | ▲ +12.65% | ▲ +14.28% | $153.19 (+17.50%) |
May 14, 2026 22w ago | Insider Cluster | $134.00 $128.23 | ▼ −4.31% | ▼ −3.45% | $153.19 (+14.32%) |
May 12, 2026 22w ago | 8-K | $144.52 $127.59 | ▼ −11.72% | ▼ −9.99% | $153.19 (+6.00%) |
May 5, 2026 23w ago | 8-K | $142.42 $133.13 | ▼ −6.52% | ▼ −9.31% | $153.19 (+7.56%) |
Apr 28, 2026 24w ago | 8-K | $153.74 $135.74 | ▼ −11.71% | ▼ −17.76% | $153.19 (−0.36%) |
Mar 26, 2026 29w ago | 8-K | $157.03 $151.15 | ▼ −3.75% | ▼ −14.41% | $153.19 (−2.45%) |
US Market Status
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