Jack Henry & Associates, Inc. (JKHY) Earnings Call Transcripts

Jack Henry & Associates, Inc.'s Latest Earnings Call - September 15, 2026

In the fiscal year 2026 earnings call held on September 15, 2026, Jack Henry & Associates, Inc. (JKHY) reported a strong performance with 7.3% organic growth, exceeding the prior guidance of 5.8% to 7%. The company achieved a GAAP EPS growth of double digits for the third consecutive year and maintained a 99% client retention rate. Management provided guidance for fiscal year 2027, projecting non-GAAP revenue growth of 6.3% to 7.3%, with operating margin expansion expected to be between 20 to 40 basis points, indicating a solid outlook despite ongoing investments in innovation and cloud transition.

Reported metrics

Guidance from management

Management expects FY 2027 non-GAAP revenue growth of 6.3% to 7.3% and operating margin expansion of 20 to 40 basis points, indicating confidence in continued growth despite ongoing investments in innovation.

What management said

So we're running about 15 minutes ahead, but let's take a 20-minute break and come back at about 10 till, and that will give Ben a little bit of extra time, and we'll just start a little bit early. If you're looking for the restrooms, they're going to be to your left as you exit the room, and then we're going to have some refreshments down to the right as well. Thanks. [Break]

[indiscernible] those two points together, too, because there's a point of -- we are building the velocity of development. We're building the velocity of deployment. We're building the velocity of scaling and supporting within our organizations, using AI, et cetera. But part of this is the capacity of digestion from customers. right? So you can get newer better things in hands, but how do we help them be ready? How d...

What analysts pressed on

Analysts expressed concerns about the competitive landscape, particularly regarding fintech firms and digital banks encroaching on market share. There were also questions about the pace of AI adoption and its impact on revenue growth in the near term.

Main topics on the call

• Revenue Growth Acceleration — Jack Henry achieved 7.3% organic growth in FY 2026, surpassing the guidance of 5.8% to 7%. Management stated, 'This was a historic year, both from a financial results and sales results perspective.'
• Client Retention and Market Share — The company maintained a 99% client retention rate, which management highlighted as a key differentiator. 'We are in business to make our clients successful,' said CEO Greg Adelson.
• Guidance for FY 2027 — Management provided guidance for FY 2027, projecting non-GAAP revenue growth of 6.3% to 7.3% and operating margin expansion of 20 to 40 basis points. They emphasized, 'We are confident in our ability to deliver on these ...
• Trifecta Wins — Trifecta wins (core, payments, and complementary products) increased to 59% of total wins, up from 39% the previous year. 'This relationship is deeper, sticky, and materially more valuable,' noted management.

Read the full Jack Henry & Associates, Inc. transcript (September 15, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 106 Jack Henry & Associates, Inc. earnings call transcripts on record, spanning February 5, 2020 to September 15, 2026. Based on this history, Jack Henry & Associates, Inc. reports quarterly. The most recent call on file is dated September 15, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

JKHY

Exchange

NasdaqGS

Country

US

Sector

Financials

Industry

Financial Services

Calls on record

106

First call

February 5, 2020

Most recent

September 15, 2026

Reporting cadence

quarterly