Jack Henry earnings: guidance and results
MyStockButler's October 2026 analysis: Jack Henry's next results are expected on November 3, 2026. Watch whether Jack Henry turns signed core wins into completed conversions while protecting margins and cash.
What has Jack Henry guided for fiscal 2027?
Management guides fiscal 2027 to GAAP revenue of $2,684–$2,709 million and GAAP EPS of $7.33–$7.38. Adjusted revenue growth is guided at 6.3%–7.3%, with adjusted operating margin of 24.1%–24.3%. The plan assumes $23 million of deconversion revenue, fiscal 2027 free cash flow of $410–$520 million and a $250 million share-repurchase framework.
| Period guided | Low | High | Date given | |
|---|---|---|---|---|
| GAAP REVENUE | Year to Jun 2027 | 2,684 | 2,709 | Aug 18, 2026 |
| Growth — GAAP revenue | Year to Jun 2027 | 5.5% | 6.5% | Aug 18, 2026 |
| NON-GAAP ADJUSTED REVENUE | Year to Jun 2027 | 2,659 | 2,684 | Aug 18, 2026 |
| Non-GAAP Adjusted Growth — revenue | Year to Jun 2027 | 6.3% | 7.3% | Aug 18, 2026 |
| GAAP EPS | Year to Jun 2027 | 7.33 | 7.38 | Aug 18, 2026 |
What this means. The company's standard revenue is higher than its adjusted revenue because adjusted revenue leaves out revenue from ended contracts and acquisitions, making comparisons more consistent.
Has Jack Henry kept its past promises?
Management’s record is encouraging but uneven: EPS exceeded its initial range in four of five checked years, while revenue did so twice. Guidance was cut during FY2023 and FY2025, showing why earnings strength alone cannot prove that the original sales forecast was sound.
| What management forecast | Checked | Above | Within | Below |
|---|---|---|---|---|
| GAAP revenue | 5 years | 2 | 2 | 1 |
| GAAP EPS | 5 years | 4 | 0 | 1 |
| Non-GAAP adjusted revenue | 5 years | 2 | 2 | 1 |
What is Jack Henry's recent revenue and profit trend?
Revenue rose from $1.94 billion in FY2022 to $2.54 billion in FY2026. After FY2022, annual growth stayed between 6.6% and 7.2%, which describes steady expansion rather than acceleration. All three segments expanded, and Complementary recently grew fastest.
Jack Henry keeps more of each sales dollar than it did several years ago, but the improvement is not entirely ordinary. Gross margin rose from 41.9% in FY2022 to 43.7% in FY2026. Operating margin, after research, selling, and administrative costs, rose from 22.1% in FY2024 to 25.0% in FY2026. Net margin recovered from 17.2% to 19.8% over the same comparison.
| Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | 644,023 | 636,245 | 619,334 | 644,738 | 615,372 | 585,087 | 573,848 | 600,982 |
| Gross margin | 42.5% | 42.8% | 43.3% | 45.9% | 44.1% | 41.8% | 42.0% | 42.9% |
| Operating income | 136,773 | 155,047 | 159,148 | 184,065 | 155,697 | 138,740 | 123,002 | 151,276 |
| Net income | 111,228 | 122,894 | 124,668 | 143,986 | 127,604 | 111,108 | 97,845 | 119,191 |
| EPS, diluted | 1.57 | 1.71 | 1.72 | 1.97 | 1.75 | 1.52 | 1.34 | 1.63 |
What this means. Free cash flow is not profit: it is the cash left after buying equipment, so it can be very different from net income.
What should investors watch in Jack Henry's next results?
The decisive evidence is whether installations, margins and cash develop as promised without new damage to customer trust.