Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
JKHY delivered solid Q3 FY2026 results with revenue up 8.7% YoY to $636.2M and net income rising 10.6% to $122.9M, while year-to-date operating cash flow surged 46.1% to $459.3M, reflecting strong business momentum and disciplined execution.
Revenue
$636.25M
+8.74% YoY
EPS (Diluted)
$1.71
+12.50% YoY
Operating Income
$155.05M
+11.75% YoY
Source: SEC XBRL
Jack Henry & Associates (JKHY) reported Q3 FY2026 revenue of $636.25M, up 8.7% year over year. Operating margin was 24.4%, up 0.7 points from 23.7% a year earlier. JKHY's fiscal Q3 FY2026 corresponds to calendar Q1 2026.
Last 4 quarters: 4 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 1.57 | 1.49 | Beat +5.4% |
| Mar 2026This filing | 1.71 | 1.49 | Beat +14.9% |
| Dec 2025 | 1.72 | 1.46 | Beat +17.8% |
| Sep 2025 | 1.97 | 1.75 | Beat +12.9% |
Reported EPS of $1.71 versus the $1.49 analyst consensus — a +14.9% beat for Mar 2026.
Compiled by AI from this SEC filing
Revenue grew 8.7% YoY to $636.2M in Q3 FY2026 from $585.1M in the prior-year period, indicating sustained demand for JKHY's financial technology solutions across its customer base.
Source: 10-Q Income Statement
Operating income rose 11.8% YoY to $155.0M, with operating margin expanding approximately 65 basis points to 24.4% from 23.7%, demonstrating that revenue growth is outpacing cost increases and driving meaningful operating leverage.
Source: 10-Q Income Statement
R&D expense increased 14.5% YoY to $45.1M, growing faster than revenue, suggesting JKHY is investing aggressively in new product capabilities and technology innovation to sustain its competitive position.
Source: 10-Q Income Statement
Cumulative YTD operating cash flow reached $459.3M, up 46.1% from $314.4M in the same period last year, reflecting strong earnings quality and favorable working capital dynamics.
Source: 10-Q Cash Flow Statement
YTD share buybacks totaled $284.4M, a dramatic 711.4% increase from $35.1M in the prior-year period, alongside $127.5M in dividends paid, signaling management's confidence in the business and commitment to returning capital.
Source: 10-Q Cash Flow Statement
Compiled by AI from this SEC filing · 0 high, 3 medium, 2 low
YTD share buybacks surged 711.4% to $284.4M, contributing to a 48.4% decline in cash and equivalents to just $20.6M. This aggressive capital return strategy significantly reduces liquidity buffers and could constrain financial flexibility if business conditions deteriorate.
Source: 10-Q Balance Sheet & Cash Flow Statement
R&D expenses grew 14.5% YoY to $45.1M and SG&A rose 8.8% to $72.2M, both outpacing or matching revenue growth. Sustained cost inflation in these areas could compress margins if revenue growth moderates.
Source: 10-Q Income Statement
Long-term debt rose 12.5% YoY to $90.0M while cash fell 48.4% to $20.6M, tightening the net cash position. Although leverage remains modest with a debt-to-equity ratio of 0.43, the trend warrants monitoring.
Source: 10-Q Balance Sheet
YTD financing cash outflows reached -$320.5M, a 134.8% increase in outflows versus the prior-year period's -$136.5M, driven primarily by the surge in buybacks. This pace of capital return is unsustainable without continued strong operating cash generation.
Source: 10-Q Cash Flow Statement
ROE stands at 5.76% and ROA at 4.03% on a quarterly basis, which may reflect the capital-intensive nature of JKHY's business model and the large equity base. Investors should monitor whether returns on invested capital improve as growth investments mature.
Source: 10-Q Key Ratios
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $M | 636.25 $M | 585.09 $M | +8.74% |
Cost of Revenue $M | 363.92 $M | 340.59 $M | +6.85% |
Operating Income $M | 155.05 $M | 138.74 $M | +11.75% |
Net Income $M | 122.89 $M | 111.11 $M | +10.61% |
EPS (Basic) $ | 1.71 $ | 1.53 $ | +11.76% |
EPS (Diluted) $ | 1.71 $ | 1.52 $ | +12.50% |
R&D Expense $M | 45.11 $M | 39.41 $M | +14.46% |
SG&A Expense $M | 72.17 $M | 66.35 $M | +8.77% |
Answers draw on this SEC filing and the data on this page
Jack Henry & Associates grew fiscal 2026 revenue and earnings on cloud, card, digital, and faster-payments demand while sharply increasing share repurchases and taking on modest long-term debt.
JKHY delivered strong Q2 FY2026 results with revenue up 7.9% to $619.3M and operating income surging 29.4% to $159.1M, driven by significant margin expansion and disciplined cost management.
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