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Jun 30, 2025
Jack Henry Q4 2025 Earnings Report
Jack Henry reported solid fourth quarter results with strong revenue and net income growth.
Key Takeaways
Jack Henry delivered a strong Q4 with increased revenue and improved profitability, driven by growth in processing and core services.
GAAP revenue rose to $615,372,000 for Q4.
Net income reached $127,604,000, a 26.2% increase YoY.
Operating income increased by 23.9% to $155,697,000.
Core, complementary, and processing segments all posted double-digit revenue growth.
Revenue by Segment
Forward Guidance
FY26 guidance reflects steady revenue growth with minimal margin pressure and strong cash flow expectations.
Positive Outlook
- Guided GAAP revenue growth of 4.2% to 5.4%.
- Strong start expected in Q1 FY26 with ~100 bps above midpoint.
- Increased cloud and processing demand expected to continue.
- Expected free cash flow conversion between 85% to 100%.
- Ongoing momentum from 51 new core customer wins in FY25.
Challenges Ahead
- Price compression on large contract renewals impacting revenue.
- Slight decline in deconversion revenue due to lower industry consolidation.
- Payment segment facing headwinds from third-party revenue drop.
- Lower account growth in banks and credit unions weighing on contracts.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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