Revenue Growth Momentum
Revenue grew 7.9% year-over-year to $619.3M in Q2 FY2026, up from $573.8M in the prior-year period, reflecting continued demand for JKHY's financial technology solutions.
来源: 10-Q Income Statement
该报告暂无中文版，以下为英文版分析。
按公开的固定规则计算，不是模型的主观判断——但其中一项输入（高等级风险的条数）取自下方的 AI 分析。
非投资建议，也不是目标价——评的是本季基本面，不是股价。 完整方法论 →
AI核心结论
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.
营收
6.19亿美元
同比 +7.93%
每股收益（稀释）
1.72美元
同比 +28.36%
营业利润
1.59亿美元
同比 +29.39%
SEC XBRL 原值
Jack Henry & Associates (JKHY) Q2 FY2026 营收 6.19亿美元，同比增长 7.9%。 营业利润率 25.7%，较去年同期的 21.4% 扩大 4.3 个百分点。 JKHY 的财年 Q2 FY2026 对应日历 Q4 2025。
近 4 个季度：4 次超预期
| 季度 | 实际 EPS（美元） | 市场预期（美元） | 结果 |
|---|---|---|---|
| 2026年6月 | 1.57 | 1.49 | 超预期 +5.4% |
| 2026年3月 | 1.71 | 1.49 | 超预期 +14.9% |
| 2025年12月本次财报 | 1.72 | 1.46 | 超预期 +17.8% |
| 2025年9月 | 1.97 | 1.75 | 超预期 +12.9% |
2025年12月 实际 EPS 1.72美元，分析师一致预期 1.46美元，超预期 +17.8%。
由 AI 基于本次 SEC 报告整理
Revenue grew 7.9% year-over-year to $619.3M in Q2 FY2026, up from $573.8M in the prior-year period, reflecting continued demand for JKHY's financial technology solutions.
来源: 10-Q Income Statement
Operating income jumped 29.4% to $159.1M, with operating margin expanding approximately 426 basis points to 25.7% from 21.4%, demonstrating strong operating leverage as revenue growth outpaced cost growth.
来源: 10-Q Income Statement
SG&A expenses declined 12.9% year-over-year to $67.0M from $76.9M, a key driver of margin expansion and suggesting improved operational efficiency or reduced discretionary spending.
来源: 10-Q Income Statement
On a fiscal year-to-date basis, share buybacks surged 634.5% to $125.2M compared to $17.1M in the prior-year period, while dividends paid increased 4.7% to $84.0M, reflecting strong capital return commitment.
来源: 10-Q Cash Flow Statement
Fiscal year-to-date operating cash flow increased 32.3% to $273.3M from $206.5M, significantly outpacing net income growth and underscoring high earnings quality and cash conversion.
来源: 10-Q Cash Flow Statement
由 AI 基于本次 SEC 报告整理 · 高 1 中 3 低 1
Cash and equivalents stood at only $28.2M as of Q2 FY2026, a modest level relative to the company's revenue base of over $619M per quarter. While operating cash flow is strong, limited cash on hand could constrain flexibility in the event of unexpected disruptions.
来源: 10-Q Balance Sheet
Share buybacks surged 634.5% year-to-date to $125.2M, combined with $84.0M in dividends, resulting in total financing outflows of $191.2M. Sustaining this pace of capital return could limit the company's ability to invest in acquisitions or weather economic downturns.
来源: 10-Q Cash Flow Statement
R&D expense grew only 2.8% year-over-year to $42.2M, well below revenue growth of 7.9%. In a competitive fintech environment, underinvestment in product development could erode JKHY's competitive positioning over time.
来源: 10-Q Income Statement
JKHY's business is heavily dependent on community and mid-tier banks and credit unions, making it vulnerable to consolidation trends in the banking sector. A wave of bank mergers or failures could reduce the addressable customer base and pressure revenue growth.
来源: 10-Q, general business context
Long-term debt declined 66.7% to $20.0M from $60.0M, reflecting significant deleveraging. While this strengthens the balance sheet, it also means the company has limited use of low-cost debt financing for future strategic investments or acquisitions.
来源: 10-Q Balance Sheet
| 指标 | 当期 | 上期 | 同比变化 |
|---|---|---|---|
营收 亿美元 | 6.19 亿美元 | 5.74 亿美元 | +7.93% |
营业成本 亿美元 | 3.51 亿美元 | 3.33 亿美元 | +5.45% |
营业利润 亿美元 | 1.59 亿美元 | 1.23 亿美元 | +29.39% |
净利润 亿美元 | 1.25 亿美元 | 0.98 亿美元 | +27.41% |
每股收益（基本） 美元 | 1.73 美元 | 1.34 美元 | +29.10% |
每股收益（稀释） 美元 | 1.72 美元 | 1.34 美元 | +28.36% |
研发费用 万美元 | 4222.80 万美元 | 4109.50 万美元 | +2.76% |
销售及管理费用 万美元 | 6696.90 万美元 | 7690.10 万美元 | -12.92% |
答案基于本次 SEC 报告与本页数据
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