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Mar 31
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.
Jack Henry
Jack Henry
Jack Henry Revenue by Segment
Revenue by Segment
Core Revenue
CapyFin.comComplementary Revenue
CapyFin.comCorporate and Other Revenue
CapyFin.com 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.
- Implementation delays in post-core product areas.