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Mar 31, 2025
Jack Henry Q3 2025 Earnings Report
Jack Henry reported solid revenue and income growth in Q3 2025.
Key Takeaways
Jack Henry & Associates delivered a strong third quarter, with GAAP revenue up 8.6% and net income rising 27.6%, driven by continued growth in cloud and processing services.
Revenue grew 8.6% YoY to $585.1M, with notable strength in cloud and processing segments.
Net income reached $111.1M, up 27.6% YoY.
EPS improved to $1.52 per share from $1.19 in the prior-year quarter.
GAAP operating income increased 23.8% YoY to $138.74M.
Revenue by Segment
Forward Guidance
Jack Henry projects continued growth in FY25, despite a cautious outlook on hardware and non-recurring project delays.
Positive Outlook
- FY25 GAAP revenue expected between $2.353B and $2.370B.
- GAAP EPS guidance raised to $6.00–$6.09.
- Strong growth forecasted in cloud and processing revenues.
- Operating margin expected to remain above 23%.
- Stable performance from core financial services business.
Challenges Ahead
- Lower expectations for hardware revenue due to delayed purchases.
- Delayed starts for signed non-recurring projects.
- Potential decrease in transaction volumes tied to consumer sentiment.
- Non-GAAP adjusted revenue guidance reflects tempered expectations.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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