Company file · JKHY

Jack Henry & Associates

Jack Henry & Associates' revenue rose 7.1% in FY2026, to $2.5B, and net income rose 10.3% to $503M

Revenue rose 7.1% to $2.5B in FY2026, from $2.4B in FY2025. Net income rose 10.3% to $503M. License and Service was the largest product or service, at 57% of revenue.

Prepared from SEC filings · Latest annual report: 10-K for FY2026 (filed Aug 28, 2026) · Latest quarter: 10-Q for the quarter ended Sep 30, 2026 (filed Nov 6, 2026) · Data pulled Nov 11, 2026

Key facts

In fiscal 2026, which ended Jun 30, 2026, Jack Henry & Associates (Nasdaq: JKHY) took in $2.5B of revenue (up 7.1% on fiscal 2025); net income was $503M (up 10.3%). The most recent quarter, ended Sep 30, 2026, brought revenue of $702M, up 8.8% year over year, with net income of $160M. License and Service was the biggest single line by product or service: 57% of fiscal 2026 revenue. Sources: 10-K for fiscal 2026 (filed Aug 28, 2026) and 10-Q for the quarter ended Sep 30, 2026 (filed Nov 6, 2026).

Revenue$2.5BFY2026 · +7.1% vs FY2025

Net income$503MFY2026 · +10.3% vs FY2025

Revenue and net income, three fiscal yearsBy fiscal year, $bn

RevenueNet income

Source: 10-K FY2026, filed Aug 28, 2026

Quarterly revenue: fiscal 2027 vs a year earlierFiscal Q1, $bn (each quarter from that quarter's 10-Q)

FY2026FY2027

Source: 10-Q filed Nov 6, 2026

How it makes money

By product or service, FY2026

LineAmountSharevs FY2025
License and Service$1.4B57%+6.3%
Processing$1.1B43%+8.2%

Source: 10-K FY2026, XBRL breakdown

By product or service in FY2026: License and Service (57%) and Processing (43%), as shares of total revenue. Total revenue was $2.5B.

By product or service: three-year mixShare of the total each fiscal year

FY2024

58%42%

FY2025

57%43%

FY2026

57%43%

License and ServiceProcessing

Source: 10-K FY2026

By segment, FY2026

Payments$936M37%+7.2%

Core$768M30%+4.8%

Complementary$752M30%+8.3%

Share is of FY2026 revenue; the items listed don't cover all of it. The last column is the change from FY2025.

Learn more: Revenue vs. net income · Gross, operating and net margin

What changed last quarter

How the quarter compared with a year earlier

Comparing Q1 FY2027 (Jul to Sep 2026) compared with Q1 FY2026 (Jul to Sep 2025)

Each pair of bars shows the dollar amount for both quarters. Longer bar, more money. Bars in a group share one scale.

Q1 FY2027Q1 FY2026

Company

Revenue

$702M Q1 FY2027

$645M Q1 FY2026

8.8% increase

Net income

$160M Q1 FY2027

$144M Q1 FY2026

11.4% increase

Source: Jack Henry & Associates 10-Q for the quarter ended Sep 30, 2026, filed Nov 6, 2026

By product or service

License and Service

$405M Q1 FY2027

$377M Q1 FY2026

7.5% increase

Processing

$297M Q1 FY2027

$268M Q1 FY2026

10.7% increase

Source: Jack Henry & Associates 10-Q for the quarter ended Sep 30, 2026, filed Nov 6, 2026

The bull case and the bear case

The bull case

Revenue rose 7.1% in FY2026 to $2.5B, from $2.4B a year earlier. 10-K, FY2026
Net income rose 10.3% in FY2026 to $503M, from $456M. 10-K, FY2026
Diluted shares fell 1.4% in FY2026, so each share represents a larger slice of profit. 10-K, FY2026
Revenue in the quarter ended Sep 30, 2026 was $702M, up 8.8% on a year earlier. 10-Q, quarter ended Sep 30, 2026

The bear case

The company's own risk factors are in Item 1A of its 10-K. Risks common in this industry include markets and rates; credit and claims; regulation. 10-K, Item 1A

What optimists and skeptics tend to point to, each tied to a filing. Ticker Sage doesn't pick a side, and neither list is a reason to buy or sell.

What the company does

Jack Henry & Associates is in the transaction & payment processing services industry, part of the financials sector. The SEC files it under Services-Computer Integrated Systems Design.

Jack Henry & Associates reports 3 segments: Payments, Core and Complementary.

Its fiscal year ends in June; the latest, FY2026, ended Jun 30, 2026.

Source: 10-K, Item 1 Business

Risks common in this industry

These are general risks for companies in the transaction & payment processing services industry. They are not a summary of Jack Henry & Associates’s own risk factors; for those, read Item 1A of its latest 10-K, linked below.

Markets and ratesInterest rates, credit conditions and market levels move its revenue and results.
Credit and claimsLosses on loans, claims or investments can reduce earnings.
RegulationCapital, liquidity and conduct rules affect what it can do and what it costs.
CompetitionBanks, insurers, asset managers and technology firms compete for the same customers.
Cyber and operationsSecurity incidents and operational failures can cause losses and harm trust.

Source: 10-K, Item 1A Risk Factors (the company's own list, in the company's words)

Three years of key numbers

Every number links to its filing; hover for the XBRL tag. A dash means the number isn't cleanly available, and we don't estimate it.

US$	FY2024	FY2025	FY2026
Revenue	$2.2B	$2.4B	$2.5B
Net income	$382M	$456M	$503M
Diluted shares	73M	73M	72M

Revenue: Total revenue for the fiscal year, as the company reports it on its income statement.
Net income: Net income attributable to the company's shareholders, after all costs, interest and taxes.
Diluted shares: Weighted average shares outstanding for the year, including the effect of options and stock awards.

Learn more: How to read an income statement · Earnings per share, basic and diluted · Free cash flow · How to read a balance sheet · Growth rate calculator · P/E calculator · Market cap calculator · Free cash flow calculator · Return on equity and assets calculator

Explainers for this page

Plain-English guides to terms this file uses, with real numbers from filings.

About these numbers

Jack Henry & Associates names its fiscal year by the calendar year in which it ends, so FY2026 is the year that ended Jun 30, 2026.
Jack Henry & Associates' revenue is the total revenue figure in its filings. For financial companies it can combine interest, fees, premiums and other income, so it isn't directly comparable with revenue at companies that sell products.
The segment chart covers only part of revenue: the company reports other lines that aren't part of this breakdown.

What we left out

Operating cash flow, total debt and cash are left out: for this kind of financial company they mostly reflect lending, trading or investing flows and say little about the business, and they aren't comparable with other companies'.

Recent filings

Form	Filed	Period
10-Q	Nov 6, 2026	Sep 30, 2026
DEF 14A	Oct 2, 2026	Jun 30, 2026
10-K	Aug 28, 2026	Jun 30, 2026

Learn more: 10-K vs. 10-Q vs. 8-K · Form 4 insider filings · Fiscal years and quarters

Common questions about Jack Henry & Associates

How does Jack Henry & Associates make money?

In fiscal 2026, revenue totaled $2.5B. By product or service in FY2026: License and Service (57%) and Processing (43%), as shares of total revenue. Total revenue was $2.5B. Source: 10-K for fiscal 2026, filed Aug 28, 2026.

What was Jack Henry & Associates's revenue in fiscal 2026?

Revenue came to $2.5B in the year ended Jun 30, 2026. Going back two years, it was $2.2B in fiscal 2024 and $2.4B in fiscal 2025, so the latest year was up 7.1%. Source: 10-K for fiscal 2026, filed Aug 28, 2026.

Is Jack Henry & Associates profitable?

Yes, by US accounting rules (GAAP): net income was $503M in fiscal 2026, up 10.3% from $456M a year earlier. For the quarter ended Sep 30, 2026, net income was $160M. The page's About these numbers section explains what is included. Source: 10-K for fiscal 2026, filed Aug 28, 2026.

What did Jack Henry & Associates report in its latest quarterly filing?

The 10-Q for the quarter ended Sep 30, 2026 shows revenue of $702M, against $645M in the same quarter a year before (up 8.8%), and net income of $160M, against $144M (up 11.4%). Source: 10-Q for the quarter ended Sep 30, 2026, filed Nov 6, 2026.

What are the main risks Jack Henry & Associates faces?

Jack Henry & Associates's own risk factors are in Item 1A of its 10-K for fiscal 2026, filed Aug 28, 2026. Risks that are common among companies in the transaction & payment processing services industry include Markets and rates; credit and claims; regulation; competition; cyber and operations. The first: Interest rates, credit conditions and market levels move its revenue and results. Source: 10-K, Item 1A Risk Factors.

Where do these Jack Henry & Associates numbers come from?

Two filings Jack Henry & Associates made with the SEC: its fiscal 2026 10-K, filed Aug 28, 2026, and its 10-Q for the quarter ended Sep 30, 2026, filed Nov 6, 2026. The figures are taken from the XBRL data the SEC publishes, and every one links back to its source. Methodology explains how fiscal years and missing numbers are handled.

Tracked funds that report owning Jack Henry & Associates

Baillie Gifford: 456,856 shares, reported value $65.4M at Sep 30, 2026 (−1.7% in shares since the filing for Jun 30, 2026). Form 13F filed Nov 9, 2026.

From each fund’s latest Form 13F, which is filed up to 45 days after quarter end and lists long positions in US-listed stocks only. A listing here is a fact about a filing, not a view on the stock. What a 13F does and doesn’t show.

Disclosures

Editor holdings in JKHY: The editor holds no position in Jack Henry & Associates (JKHY). As of Nov 11, 2026.
Trading rule: The editor does not buy or sell JKHY from 3 days before to 3 days after this page is published or substantively updated.
Compensation: Nobody paid for this page. No affiliate links on this page.
Sources: The company's SEC filings, linked next to each number or, for charts, in the source line under them.
Last updated: Nov 10, 2026

General education, the same for every reader. Not a recommendation to buy, sell or hold JKHY, and it doesn't consider your situation.

Compare with peers

Company	Fiscal year	Revenue	Revenue growth	Net income
Jack Henry & AssociatesJKHY	FY2026	$2.5B	+7.1%	$503M
VisaV	FY2026	$45.9B	+14.8%	$23.5B
MastercardMA	FY2025	$32.8B	+16.4%	$15.0B
PayPalPYPL	FY2025	$33.2B	+4.3%	$5.2B
BlockXYZ	FY2025	$24.2B	+0.3%	$1.3B

Each row is that company’s latest fiscal year from its own 10-K, using its own revenue and net income lines. Fiscal years end in different months, and line definitions differ (banks, insurers and oil companies count revenue differently), so this is a rough side-by-side, not a like-for-like comparison.

More company files

New to filings? Learn has plain-English explainers and Tools has calculators. Methodology & Disclosures covers where every number comes from.